• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    6.99% p.a.

  • Annual Fee


Feature Highlights
  • Earn Reward Points from retail spending
  • 6 or 12 months 0% interest instalment plan


  • 1 Reward Point for every RM1 spent


  • 1 Reward Point for every RM1 spent


  • 1 Reward Point for every RM1 spent


  • 1 Reward Point for every RM1 spent


  • 1 Reward Point for every RM1 spent

Other Features

  • Balance Transfer

    • 6.99% per annum for a tenure of up to 12 months

  • Instalment Plan

    • 6 or 12 months 0% interest Easy Payment Plan (EPP)
    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM160
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


Rewards points expiry

Dec 31, 2015

Product Review by iMoney Malaysia

The Gymnast Of Credit Cards, It's Flexible

Besides granting you Reward Points on all retail spending, the Extended Payment Plan (EPP) allows you to purchase your dream items by lengthening your payment tenure with Hong Leong Bank's 0% interest installment plan for 6-month or 12-month. You can also transfer your outstanding balance from other higher-rate credit card to Hong Leong Gold Card and enjoy a low annual interest of 6.99% which is applicable for all first-time balance transfers.

Fees and Charges

The annual fee for principal card is RM169.60 and RM84.80 for supplemantary 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 Gold Card?

To apply for Hong Leong Gold 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 Essential Credit Card and Alliance bank Gold Credit 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!