Hong Leong Junior Debit Card

Teach Financial Independence Early with the Hong Leong Junior Debit Card

The Hong Leong Junior Debit Card (Reloadable) is Malaysia’s first debit card designed specially for children and teens below 18 years old. A perfect tool to help them learn the value of money, spending responsibly, and saving smartly.

Issued under the Hong Leong 3-in-1 Junior Account, this card is held by the parent or legal guardian on behalf of the child. It functions like a regular debit card, allowing your child to make purchases and cash withdrawals but with parental oversight and spending control.

What Makes This Card Special?

With the Hong Leong Junior Debit Card, your child gets hands-on experience managing money in a safe, supervised way. Parents can monitor spending, set reload limits, and ensure that every Ringgit is well managed. The card also helps children become familiar with digital banking and cashless payments early on.

Here’s why parents love it:

Cashless Convenience: Allow your child to shop or dine using a card instead of cash.
Easy Reloads: Funds are automatically reloaded from the Junior Savings Account, or parents can top up via HLB Connect, ATM, or Cash Deposit Machine (CDM).
Full Parental Control: Parents remain the main account holders, ensuring transactions and balances stay secure.
Visa Worldwide Access: The card can be used wherever Visa is accepted, both locally and internationally.

How Safe Is It for Kids?

Safety comes first with the Hong Leong Junior Debit Card.

PIN and payWave Protection: Transactions require a PIN, and tap-to-pay is limited to small purchases.
Account Monitoring: Parents can track all transactions through the HLB Connect app.
Reload Controls: Only the parent or guardian can authorise reloading and manage spending limits.

What Are the Fees and Charges?

Managing your child’s card is affordable and straightforward:

Issuance Fee: RM8 (one-time)
Annual Fee: RM8 per year
Replacement Fee (Lost/Stolen/Damaged): RM18 per card
Reload Fees:
- Free reloads via Junior Savings Account auto-transfer, HLB Connect, ATM, or CDM
- RM2 for over-the-counter reloads
Overseas ATM Withdrawal: RM12 per transaction via Visa PLUS

Who Can Apply for the Junior Debit Card?

This card is open to children below 18 years old under the Hong Leong 3-in-1 Junior Account.

The parent or legal guardian must be the primary account holder.
The card is issued in the child’s name but fully managed by the adult.

What Documents Do I Need?

Child: Birth Certificate and MyKid
Parent/Guardian: MyKad or Passport

Why Choose the Hong Leong Junior Debit Card?

It’s more than just a payment card; it’s your child’s first step toward financial literacy. From budgeting pocket money to managing small expenses, this card builds confidence and discipline for future financial independence.