Hong Leong I'm Card

Enjoy zero annual fees with seamless 24-hour online banking with Hong Leong Connect, plus zero foreign exchange conversion markup when you're travelling!

Hong Leong I'm CardZero Annual Fees
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0.88% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Travel

Enjoy zero conversion markup when you exchange foreign currencies while travelling.

Balance Transfer

Existing Hong Leong credit cardholders, enjoy 0% interest and low one-time upfront fees of either 3% or 5% for 6 or 12 months. Alternatively, you can also opt for a fixed monthly interest of 7.99% p.a. or 8.99% p.a. for repayment periods of 6 or 12 months. As for new Hong Leong credit cardholders, you get 4.99% p.a. interest with no fixed repayment period. Terms apply!

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
6 months7.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months8.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Hong Leong Balance Transfer

Easy Payment Plans

From 1 January 2024 to 30 April 2024, enjoy promotional rates as low as 0.88% p.a. for up to 18 months of repayment tenure. Alternatively, you can opt for a fixed 8.99% p.a. interest for up to 36 months. Terms apply!

Hong Leong Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0.88% p.a.and no one-time upfront handling feeRM500
6 months2.18% p.a.and no one-time upfront handling feeRM500
12 months3.18% p.a.and no one-time upfront handling feeRM500
18 months3.88% p.a.and no one-time upfront handling feeRM500
6 months8.99% p.a.and no one-time upfront handling feeRM500
12 months8.99% p.a.and no one-time upfront handling feeRM1,000
18 months8.99% p.a.and no one-time upfront handling feeRM1,000
24 months8.99% p.a.and no one-time upfront handling feeRM2,000
36 months8.99% p.a.and no one-time upfront handling feeRM2,000
Learn more about Hong Leong Flexi Payment Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Hong Leong Flexi Payment Plan
Make your retail purchases anywhere and anytime with a flexible instalment of up to 36 months. Take the heat off paying for that hot ticket item!
Balance Transfer Plans
Hong Leong Balance Transfer
Consolidate all your credit card outstanding debts! Open to new and existing credit cardholders, transfer a minimum of RM1,000 with low-interest rates!

Review

Annual Fee Waiver For Life

Never pay unnecessary annual fees ever again - there's no catch, you don't have to pay a fee!

However, there's a joining fee that you'd need to take care of. 

The joining fee of RM20 is a one-time fee you pay once you've been approved for the Hong Leong Bank I'm Card and is subjected to 6% GST.

Hong Leong Bank I'm Card Balance Transfer Plan

If you want to transfer your credit card outstanding balances to Hong Leong Bank, you can settle it either via a one-time upfront fee plan of 3% or 5% for a 6-month or 12-month repayment period or via a monthly interest plan of 7.99% p.a. or 8.99% p.a. for the same repayment periods.

New Hong Leong credit cardholders get 4.99% p.a. interest with no fixed repayment period.

Have the option to settle the balance in full or partial!

If you're on a tight monthly budget, do consider this low-interest balance transfer plan - it'll give you room to breathe and allow you to settle any outstanding bills you've accumulated.

Hong Leong Flexi Payment Plan

They say patience is a virtue -  but what if you just have to buy that shiny new laptop right now? 

Even if you don't have the cash to pay for it, you can certainly bring it home with Hong Leong Bank's flexible instalment plan of as low as 0.88% interest.

Overseas Savings with Hong Leong I'm Card

The Hong Leong I'm Card doesn't charge overseas transaction markup. What does that mean?

For overseas transactions, you'd most likely have to pay a high processing fee when swiping your credit card.

But with Hong Leong I'm Card, even though your bank statement shows the spending amount inclusive of overseas transaction fees, the markup will be reversed by the end of the following month. 

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