Broadband Coverage Check
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Min. Monthly Income
RM2,000.00
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Interest Rate
15% p.a.
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Balance Transfer
6.99% p.a.
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Annual Fee
RM160.00
Feature Highlights
- Up to 2x Reward Points from retail spending
- American Express exclusive travel privileges and preferential foreign exchange rate on outward remittances
Dining
- 2 Reward Points for every RM1 spent overseas
- 1 Reward Point for every RM1 spent locally
Entertainment
- 2 Reward Points for every RM1 spent overseas
- 1 Reward Point for every RM1 spent locally
Groceries
- 2 Reward Points for every RM1 spent overseas
- 1 Reward Point for every RM1 spent locally
Petrol
- 1 Reward Point for every RM1 spent
Shopping
- 2 Reward Points for every RM1 spent overseas
- 1 Reward Point for every RM1 spent
Other Features
American Express exclusive travel privileges and preferential foreign exchange rate on outward remittances
Protection Plan
- Travel Accident Insurance with coverage of up to RM500,000
Travel Inconvenience Insurance with coverage of up to RM3,000
Balance Transfer
6.99% per annum for a tenure of up to 12 months
Instalment Plan
- 0% Instalment Payment Plan at all participating merchants
Card Information
| Annual Fee | RM160.00 |
| Min. Monthly Income | RM2,000.00 |
| Min. age for principal holder | 21 and above |
| Min. age for supplementary holder | 18 and above |
| Fee for supplementary holder | RM80 |
| Finance charges | 15% p.a. – prompt payment for 12 consecutive months |
17% p.a. – prompt payment for at least 10 out of 12 months |
|
18% p.a. – if the above are not met |
| Sales and Services Tax (SST) | 0% on annual fee and other charges |
| Late payment charge | Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100 |
| Cash advance amount | RM8,000 per day |
| Cash advance charge | Higher of RM20 or 5% of cash advance amount |
| Cash advance interest charge | 18% per annum on cash advance amount |
| Cashback Limit | N/A |
| Rewards points expiry | Dec 31, 2015 |
Product Review by 
Feel Special With American Express!
Apart from giving away 1 Reward Point for every RM 1 spent on all retail purchases, Hong Leong American Express Gold awards 2 Reward Points for all overseas bargains. With attractive discounts from extraordinary dining experience to free hotel stays, Hong Leong American Express Gold is definitely the best deal you can ever get. This card also comes with Travel Accident and Inconvenience Insurance coverage.
Fees and Charges
The annual fee for principal card is RM169.60 and RM84.80 for supplementary card. The Rewards Points will expire on the 31st of December 2015. Goods and Services Tax (GST) is included in the annual fee. Other than that, by settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 15% per annum.
Are You Eligible For The Hong Leong American Express Gold
To apply for Hong Leong American Express Gold, you need a minimum income of RM2,000 and to be at least 21 years old.
Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Hong Leong American Express Platinum and Maybank American Express Gold Card, which may match your requirements.
If you prefer to broaden your credit card search, review more Hong Leong credit cards and start comparing today!