Unlimited Cashback on All Spend
Hong Leong Essential Credit Card
Hong Leong Essential Credit Card
RM 2,000Min. Monthly Income
RM 100Annual Fee
15% p.aInterest Rate
Everyday unlimited cashback with the Hong Leong Essential Card
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3-6 months salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
- Latest 1 year official tax receipt
- Latest 3 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 100
Annual Fee Waiver
Yes
Waived with a minimum of 12 retail transactions p.a. or RM8,000 retail spend p.a.
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback
0.6% Cashback for the first RM5,000 spend & 1% on subsequent spend. 0.6% Cashback for Insurance spend. Unlimited Cashback. Exclusive low rate of 10.8% p.a. for Cash advance.