Hong Leong I'm Card credit card

Hong Leong I'm Card

Got a motivational quote that you live and breathe by? Have it printed on your card! Enjoy zero annual fees with seamless 24-hour online banking.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for Hong Leong I'm Card

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Because you should be rewarded for giving the bank your business

Balance Transfer
Consolidate your credit card oustanding balance to a low interest Hong Leong Bank credit card and enjoy 6.99% p.a. for 6 or 12 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Hong Leong Balance Transfer
Easy Payment Plan (EPP)
Get what you want, when you want it! Stretch your payments on all your shopping at 0% for up to 36 months, subject to participating merchants. For all the other purchases, you can go for the tHong Leong Flexi Payment Plan with interest rate at 8.99% p.a.. Need over a year to pay for that new luxury bag? Sure thing!
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Hong Leong Extended Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM265.00 or 5.30% of withdrawn amount, whichever is higher

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Hong Leong Extended Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Hong Leong Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Hong Leong I'm Card review

What's so good (or not so good) about it?

You may own a credit card, but do you feel like you really OWN it? How about being reminded that "If you can dream it, you can do it." or "expect problems and eat them for breakfast!" everytime you swipe your card? 

Now you can with the Hong Leong Bank I'm Card - you get the freedom to personalise your card, get seamless 24-hour online banking, low balance transfer rates, and 0% Extended Payment Plan!

Annual Fee Waiver

Never pay for unnecessary annual fees every again - there's no catch, you don't have to pay a fee, and that includes the 6% GST attached to it!

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.

Card Personalisation

So you've got your I'm Card - but it doesn't come with the ideal personalised card face that you imagined. So how do you actually go about customising your Hong Leong Bank card?

For the time being, you can bring along your card and make the free of charge personalisation at Sunway Giza Mach Hong Leong Bank during business hours. If the branch is further from your place, you can check out the roadshow list at Hong Leong Bank's website where personalization service will be offered.

Of course you'd have to becareful wheen choosing what you want imprinted on your card - you won't get pass if there's vulgarities!

Overseas Savings

Hong Leong I'm Card doesn't charge overseas transaction mark-up. 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 mark-up will be reversed by the end of following month. 

Balance Transfer

If you want to transfer your credit card outstanding balances to Hong Leong Bank, you can settle it in either 6 or 12 months at rates as low as 6.99% p.a.. 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 breath and allows you to settle any outstanding bills you've accumulated.

0% Easy Payment Plan ( EPP)

They say patience is a virtue -  but what if you just have to buy that shiny new laptop like 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 flexibile 0% interest instalment plan of up to 12 months.

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