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Min. Monthly Income
RM2,000.00
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Interest Rate
15% p.a.
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Balance Transfer
6.99% p.a.
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Annual Fee
RM150.00
Feature Highlights
- Up to 6% cashback on retail spending at The Store and Pacific
- Shopping and travel privileges
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 |
Sales and Services Tax (SST) | 0% 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 
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!