The Store Pacific Hong Leong Platinum MasterCard credit card

The Store Pacific Hong Leong Platinum MasterCard

Enjoy up to 6% cashback when you spend at The Store and Pacific and 0.5% cash back 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)
  • RM318.00 annual fee

Apply online now for The Store Pacific Hong Leong Platinum 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 Platinum 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
Enjoy lower 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. Not only that, just show your credit card at The Store & Pacific outlets to redeem your gift voucher and offset your purchases!
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
Personal AccidentUp to RM300000
Travel InsuranceUp to RM1700000
Delayed FlightUp to RM1200
Missed FlightUp to RM1200
Lost LuggageUp to RM2500
Delayed LuggageUp to RM1200

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM318.00
  • Waived when Minimum 1 swipe within 45 days from card issuance date
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
RM159.00
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
RM60000
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 Platinum MasterCard review

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

What’s better than 6% cash back rates, member prices and discounts? We can’t think of anything, that’s why The Store Pacific Hong Leong Platinum MasterCard is our recommended credit card for even more savings for the frequent The Store Pacific shopper!

More Cashback Savings!

Cashback tiers can get complicated, so let’s break down nice and simple for you. Whenever you shop at The Store and Pacific this credit card gives you 3% cash back when your total spending in a single month is RM1500 and below. So spend exactly RM1500 and you’ll the RM45 cash back.

For all following spending above RM1500, you’ll get 6% cash back. In other words, charge another RM500 to your credit card and you’ll max out the remaining RM30 cashback on your monthly cap.

That’s simple math – spend RM2000 in a month and get RM75 total cashback for all shopping at The Store and Pacific! For all other purchases at other retail outlets you’ll get a flat rate 0.5% cashback with no monthly cap.

More For Members!

Enjoy exclusive member discounts on select items with The Store Pacific Hong Leong Platinum MasterCard, and that not’s all! You’ll also be entitled to even more discounts and special promotions during festive events at The Store and Pacific!

What’s more, the RM318 annual fee for this Hong Leong Platinum card will be waived in your first year if you swipe once within 45 days of approval. For all subsequent years, just swipe 12 times each year to enjoy this waiver – that’s like a lifetime waiver!

Hong Leong Bank Services

If you’re on the lookout for a balance transfer, Hong Leong bank offers 6.99% balance transfer rates for 6 and 12 month tenures. All it takes is a phone call or walk-in to any Hong Leong Bank branch near you to consolidate your debt from multiple credit cards with a minimum transfer of RM1000.

For a little flexibility on purchases at select merchants which you can’t afford to pay for upfront, you can always opt to get it through Hong Leong’s Extended Payment Plan. Choose to repay your monthly instalments between 3 and 36 months at 0% interest and no upfront handling fees!

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