• 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

  • Bonus cashback

    • Total annual retail spending of RM38,000 – RM67,999: RM280 bonus cashback
    • Total annual retail spending of RM68,000 – RM107,999: RM880 bonus cashback
    • Total annual retail spending of RM108,000 and above: RM1,800 bonus cashback

  • 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 RM160 (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 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

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

RM7,500 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

RM50 per month

Rewards points expiry


Product Review by iMoney Malaysia

Spend More, Earn More!

Hong Leong Fortune Credit Card offers 1% cashback on all retail spending and bonus cashback up to RM1,800 if you make a total annual retail spending of RM 108,000 and above. With every cash advance transaction you make, you are entitled to interest rate starting at 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 RM169.60. For supplementary card, a fee of RM84.80 will be incurred. There is a cashback limit of RM50 per month. 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 Fortune Credit Card

To apply for Hong Leong Fortune Credit Card, you need a minimum ince 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 Classic Credit Card and AffinBank 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!