The Store Pacific Hong Leong Gold MasterCard credit card

The Store Pacific Hong Leong Gold MasterCard

Enjoy up to 6% cashback when you spend at The Store and Pacific and 0.5% cashback on all other retail transactions.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 6% cashback
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Apply online now for The Store Pacific Hong Leong Gold MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 6% cashback at The Store and Pacific, capped at RM30 per month. 0.5% uncapped cashback on any other retail purchases.
Discover how much you can save when you shop with your new The Store Pacific Hong Leong Gold MasterCard
Cashback CategoryCashback RateMonthly CapSpend
The Store and PacificSpendfrom RM1 up to RM1500 monthly3%RM45from RM1 up to RM1500 monthly
The Store and PacificSpendfrom RM1501 and above monthly6%RM30from RM1501 and above monthly
Other RetailSpendfrom RM1 and above in a single receipt0.5%uncappedfrom RM1 and above in a single receipt
Rewards
Get special members price on selected items to help you save more while you shop at any of The Store and Pacific outlets. Get an exclusive invitation to enjoy more discounts, benefits, special promotions and activities during our special events.
Balance Transfer
Hong Leong offers 6 or 12 months balance transfers at 6.99% p.a.
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. For all other purchases, you can opt to Hong Leong Flexi Payment Plan for instalment period of up to 36 months at 8.99% p.a.. 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
Pay OverWith Interest Rate AtWhen You Spend
6 months8.99% p.a. and no one-time upfront handling feefrom RM500 
12 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
24 months8.99% p.a. and no one-time upfront handling feefrom RM2000 
36 months8.99% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about Hong Leong Flexi Payment Plan
Travel
Travel with peace of mind with 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
  • Waived when Minimum 1 swipe within 45 days from card issuance date
  • 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 RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 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
Hong Leong Flexi 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.

The Store Pacific Hong Leong Gold MasterCard review

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

If you love shopping at the Store Pacific – with its special offers and discounts on retail goods – you’re going to love this cashback credit card. With cashback rates of up to 6%, you simply get more for your money when you shop at the Store Pacific with Hong Leong Gold MasterCard.

More Cashback!

The Store Pacific Hong Leong Gold MasterCard makes shopping even more rewarding with bigger cash back rates. Swipe this card at The Store Pacific and you’ll get 3% cashback when you’ve spent RM1500 and below; spend above RM1500 and your cashback rates are 6%!

The caps of RM45 for 3% cashback and RM30 for 6% cashback mean that as long as you’ve spent RM2000 in a single month, you’ll be entitled for the maximum monthly cashback of RM75 for shopping at The Store Pacific.

There’s no cashback cap for shopping at other retail outlets, but the cashback rates are much lower at 0.5%.

Special Discounts

It’s not just cashback rewards. As a cardholder of The Store Pacific Hong Leong Gold MasterCard, you’re entitled to special member prices on select items.

And if The Store & Pacific has any special credit card sales, you’ll be the first one invited! This means more discounts, promotions and benefits during these in-house events.

Exclusive Hong Leong Services

Owning a Hong Leong credit card comes with extra perks including special rates on your balance transfer and flexi pay, complimentary travel insurance protection and more:

Balance Transfer

Hong Leong Balance Transfer offers low rates of 6.99% interest p.a. whenever you transfer your outstanding credit balance from another bank to your Hong Leong credit card. You’ll get more breathing space to repay these balances in monthly instalments between 6 and 12 months. What’s more there is no upfront handling fee!

Easy Payment Plans

If your eyes are set on a purchase which you can’t afford, you can still get it with the Easy Payment Plan, a flexi pay service by Hong Leong. You’ll be given the option of repaying your purchase in monthly instalments between 3 – 36 months. What’s more you pay 0% interest! Only for participating merchants.

Travel Protection Plan

And yes. You can travel at peace of mind when with Hong Leong’s Travel Protection Plan whenever you fly. Just charge your tickets to your Hong Leong credit card and enjoy this complimentary travel coverage, exclusive for Hong Leong customers.

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