INGIAFAM Hong Leong Gold MasterCard credit card

INGIAFAM Hong Leong Gold MasterCard

Enter a world of privileges INGIAFAM-Hong Leong Credit Card. Enjoy 2% cash back on ING Life Annual premium transactions and 0.5% cash back on everything else

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.5% cashback
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Enjoy 2% cash back when you change your ING Life Annual premium transactions and 0.5% cash back on other retail transactions.
Discover how much you can save when you shop with your new INGIAFAM Hong Leong Gold MasterCard
Cashback CategoryCashback RateMonthly CapSpend
 Spendany amount0.5%uncappedany amount
Rewards
Irresistible merchandise awaits you! Get Bonus Plus Points whenever you use your Hong Leong credit card. You'll be rewarded with 1X Bonus Plus Point for every Ringgit charged to your card.
Balance Transfer
Hong Leong offer balance transfers from as low as 0.40% per month on a 3 month payment plan.
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)
Hong Leong Bank EPP offers payment terms from 3 to 36 months at 0% interest on retail purchases from approved merchants. No penalty fee for early payment.
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
Travel
Travel with peace of mind via the Hong Leong Travel Protection Plan. Just charge your holiday tickets to your credit card and enjoy complimentary coverage.
Travel CoverageSum Insured
Travel InsuranceUp to RM750000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1500
Delayed LuggageUp to RM600

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM159.00
  • First year free
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
RM79.50
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM21.20 or 4.77% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
RM8000

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM32000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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.
Cash Advance / Cash Loan
Hong Leong Bank Call For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Hong Leong Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.