• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    6.99% p.a.

  • Annual Fee

    RM150.00

Feature Highlights
  • Up to 6% cashback on retail spending at The Store and Pacific
  • Shopping and travel privileges
Dining
5.33/10
Entertainment
5.33/10
Groceries
5.33/10
Petrol
5.33/10
Shopping
5.33/10

Dining

  • 0.5% cashback every month

Entertainment

  • 0.5% cashback every month

Groceries

  • 6% cashback on The Store and Pacific spending above RM1,500 per month
  • 3% cashback on The Store and Pacific spending up to RM1,500 per month
  • 0.5% cashback on spending at other merchants per month

Petrol

  • 0.5% cashback every month

Shopping

  • 6% cashback on The Store and Pacific spending above RM1,500 per month
  • 3% cashback on The Store and Pacific spending up to RM1,500 per month
  • 0.5% cashback on spending at other merchants per month

Other Features

  • Shopping

    • Member’s price on selected items at any The Store and Pacific outlets
    • By-invitation discounts, benefits, special promotions and activities, and events by The Store and Pacific

  • Protection Plan

    • Travel Accident Insurance and Travel Inconvenience Coverage

  • 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 RM150.00 (Free with minimum 1 swipe within 45 days from card issuance date. Free with 12 swipes per year)
Min. Monthly Income RM2,000.00
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM75
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

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

6% cashback capped at RM75 per month; unlimited for 0.5% cashback

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Better Shopping Experience At The Store and Pacific, Now!

Hong Leong The Store and Pacific Gold helps you save up with the maximum 6% cashback it offers on the purchases at The Store and Pacific. Apart from that, it provides a variety of benefits ranging from gift vouchers to member price on seleted items while shopping at other merchants gives you a 0.5% cashback. This card comes with complimentary Travel Insurance and Inconvenience Coverage and a Touch 'n Go Zing Card.

Fees and Charges

With a minimum of 1 swipe within 45 days from the date of card approval, annual fee is waived. It is also free for subsequent years if you make at least 12 swipes a year, otherwise, it is RM159. For supplementary card, a fee of RM79.50 will be incurred. There is unlimited amount for 0.5% cashback but as for the 6% cashback, it is limited at RM75 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 The Store and Pacific Gold

To apply for Hong Leong The Store and Pacific 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 Store and Pacific Platinum Credit Card and Citibank Giant Citi 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!