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- Annual FeeRM100 (Principal); RM50 (Supplementary)
- Cashbackup to 1%
- Balance TransferOne-time fee & monthly interest plans*
- Easy Payment Plan0% interest rate*
- Interest Rate15% p.a.
- Interest-free20 days
- Min. IncomeRM2,000/month
- Overview
Specially designed to give you greater financial freedom and flexibility - up to 1% unlimited cashback all the time.
- Cashback
With your Hong Leong Essential Credit Card, you always get something back. Whenever you use it for shopping or dining, you'll enjoy up to 1% unlimited cashback on your purchases.
- Balance Transfer
One time fee plans and monthly interest plans* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/balance-transfer.html
- Flexible Payments
Convert your purchases as min as RM500 into an affordable payment plan* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/flexi-payment-plan.html
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 15 Prompt Repayment 10 out of 12 months 17 Prompt Repayment of less than 10 out of 12 months 18 Interest rate on cash withdrawal 18
- Cashback Tiers
Applicability Minimum Spend (RM) Maximum Spend (RM) Monthly Cap (RM) Cashback Percentage (%) Other Condition(s) Insurance Transactions Total monthly spend: RM3,000 and below Total monthly spend: Above RM3,000 No Capping 0.50% Merchants within MCC 5960, 6300 Retail Shopping Total monthly spend: RM3,000 and below Total monthly spend: Above RM3,000 No Capping RM3,000 and below: 0.5% Above RM3,000: 1% Merchants within MCC 5309, 5311, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5977 only Travel Total monthly spend: RM3,000 and below Total monthly spend: Above RM3,000 No Capping RM3,000 and below: 0.5% Above RM3,000: 1% Merchants within MCC 3000 to 3299, 3501 to 3999, 4511, 4722, 4723, 7011 only Others (Any MCC or merchants not defined above) Total monthly spend: RM3,000 and below Total monthly spend: Above RM3,000 No Capping 0.20% -
- Eligibility
Criteria Details Minimum Age 21 Maximum Age 65 Who Can Apply Anybody
- Features
Criteria Details Card Type Visa Interest Free Period (Days) 20
- Fee
Criteria Details Min Cash Withdrawal Fee 5% of the amount advanced or a minimum of RM20 per transaction, whichever is higher Annual Fee (RM) 100 Min Late Payment RM10 or 1% of the total outstanding balance as at statement date whichever is higher, subject to a maximum of RM100
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Supplementary Card
Criteria Details Annual Fee RM50 Minimum Age (Years) 18