• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    6.99% p.a.

  • Annual Fee


Feature Highlights
  • 1% cashback on retail spending
  • Low cash advance interest rate starting at 10.8% per annum


  • 1% cashback every month


  • 1% cashback every month


  • 1% cashback every month


  • 1% cashback every month


  • 1% cashback every month

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

Card Information

Annual Fee RM100 (Free with minimum of 12 card swipes or retail spending of RM8,000 per annum)
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder RM40
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

Goods & Services Tax (GST)

6% 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

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

Cashback Limit


Rewards points expiry


Product Review by iMoney Malaysia

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 and AmBank True Visa 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!