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Hong Leong Essential Card

Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum! 

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    Unlimited
  • icon Annual Fee
    Annual Fee
    RM 100

Key Features

  • 1% cashback on retail spending
  • Low cash advance interest rate starting at 10.8% per annum
  • 1% cashback every month
Shopping
4.8/10
Petrol
5.33/10
Groceries
4.8/10
Dining
4.8/10

  • icon petrol Petrol

    1% cashback every month

  • icon dining Dining

    1% cashback every month

  • icon entertainment Entertainment

    1% cashback every month

  • icon groceries Groceries

    1% cashback every month

  • icon shopping Shopping

    1% cashback every month

icon tag Other Features

  • Balance Transfer: 6.99% per annum for a tenure of up to 12 months
  • Instalment Plan: 0% interest Instalment Payment Plan at all participating merchants
  • Cashback Limit: Up to 1% unlimited

icon shopping Card Information

Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder RM 100
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder RM50
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount Up to 70% of credit limit
Cash advance charge higher of 2% of cash advance amount or RM5
Cash advance interest charge 10.8% per annum on cash advance amount
Rewards points expiry N/A

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Product Review by

Unlimited Cashback And Low Cash Advance Fee!

Spending with Hong Leong Essential Card gives you unlimited 1% cashback on every retail purchases. You will never have to fret over not having enough cash as this card provides you instant access to cash out from any Visa ATM with a fee of just 2% per withdrawal. With every cash advance transaction you make, you are entitled to a low rate of 10.8% p.a. Apart from that, Hong Leong Essential Card is accepted anywhere around the world.

Fees and Charges

There is no annual fee if you make at least 12 swipes a year or retail spending of RM8,000 per annum, otherwise, it is RM106. For supplementary card, a fee of RM42.40 will be incurred. There is no cashback limit. 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 Essential Card

To apply for Hong Leong Essential Card, 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 Gold Credit Card](https://www.imoney.my/credit-card/hong-leong/gold-card "Apply for Hong Leong Gold Credit Card") and [AmBank True Visa Card](https://www.imoney.my/credit-card/ambank/true-visa-card "Apply for AmBank True Visa Card"), which may match your requirements.

If you prefer to broaden your credit card search, review more [Hong Leong credit cards](https://www.imoney.my/credit-card/hong-leong "Hong Leong credit cards in Malaysia") and start comparing today!