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Hong Leong Kad Essential

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2000
  • icon Kadar Faedah
    Kadar Faedah
    15% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    Tanpa Had
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 100

Ciri Utama

  • 1% cashback on retail spending
  • Low cash advance interest rate starting at 10.8% per annum
  • 1% cashback every month
Shopping
4.8/10
Petrol
5.33/10
Groceries
4.8/10
Dining
4.8/10
  • icon petrol Petrol

    Pulangan tunai 1% setiap bulan
  • icon dining Makan

    Pulangan tunai 1% setiap bulan
  • icon entertainment Hiburan

    Pulangan tunai 1% setiap bulan
  • icon groceries Barangan Runcit

    Pulangan tunai 1% setiap bulan
  • icon shopping Beli-Belah

    Pulangan tunai 1% setiap bulan

icon tag Other Features

  • Pemindahan Baki: 6.99% setahun untuk tempoh sehingga 12 bulan
  • Pelan Ansuran: Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian
  • Had Cashback: Sehingga 1% tanpa had

icon shopping Card Information

Yuran Tahunan Percuma dengan pengunaan minimum kad sebanyak 12 kali atau perbelanjaan runcit sebanyak RM8,000 setiap tahun
Gaji Minimum Bulanan RM 2000
Min. age for principal holder 21
Fee for principal holder RM 100
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder RM40
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount Sehingga 70% dari had kredit
Cash advance charge 2% dari jumlah pendahuluan tunai
Cash advance interest charge 10.8% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada

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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](https://www.imoney.my/credit-card/hong-leong/gold-card "Apply for Hong Leong Gold Credit Card") and [AmBank True Visa Card](https://www.imoney.my/credit-card/ambank/true-visa-card "Apply for AmBank True Visa Card"), which may match your requirements.

If you prefer to broaden your credit card search, review more [Hong Leong credit cards](https://www.imoney.my/credit-card/hong-leong "Hong Leong credit cards in Malaysia") and start comparing today!