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.

Hong Leong I'm CardPersonalised for YOU
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 8.99% p.a.
Interest Rate
15% p.a.
20 days


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

Balance Transfer

Consolidate your credit card outstanding 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 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
Learn more about Hong Leong Balance Transfer

Easy Payment Plans

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 Hong Leong Flexi Payment Plan with an interest rate of 8.99% p.a. Need over a year to pay for that new luxury bag? Sure thing!

Hong Leong Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
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RM20 or 5% of withdrawn amount, whichever is higher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


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


Easy Payment Plan
Hong Leong Flexi Payment Plan
Make your purchases anywhere and anytime with an 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 debt! Open to new and existing credit cardholders, transfer a minimum of RM1,000 from up to 3 other banks!


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!" every time 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 a 0% Extended Payment Plan!

Personalise Your Credit Card with Hong Leong I'm Card

So you've got your Hong Leong 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 Mach Branch Mid Valley Shopping Mall during business hours.

If the branch is further from your place, you can check out the roadshow list on Hong Leong Bank's website where personalization services will be offered.

Of course, you'd have to be careful when choosing what you want to be imprinted on your card - you won't get past if there are vulgarities!

Annual Fee Waiver

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 I'm Card 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 breathe and allows you to settle any outstanding bills you've accumulated.

0% Extended Payment Plan (EPP)

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 0% interest instalment plan of up to 12 months.

Overseas Savings with Hong Leong I'm Card

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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