Hong Leong Essential Credit Card
Hong Leong Bank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,000.00
- Minimum annual income
- RM24,000.00
- Qualifying spend
- Category and transaction conditions apply. See the source rows and bank terms below.
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM100.00
- Fee waiver
- No verified waiver rule recorded. Confirm with the bank.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Min income RM24k OR RM2000 pledged FD; 21-65 principal.
- First-year promo waiver requires at least one retail swipe within 60 days; recurring automatic waiver not assumed.
- Insurance0.5%; eligible retail shopping/travel0.5% up to RM3000,1% above RM3000; other0.2%; all uncapped.
- RM3000 is inclusive lower tier; RM3000.01 higher tier, not RM3001 threshold.
- RM100 recurring annual fee.
- Excluded govt/JomPay/FPX/HLB QR/BT/cash/fees etc.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Insurance Transactions | 0.5% | RM3,000.00+ | Not specified / uncapped in listing |
| Insurance Transactions | 0.5% | RM3,001.00+ | Not specified / uncapped in listing |
| Retail Shopping | 0.5% | RM3,000.00+ | Not specified / uncapped in listing |
| Retail Shopping | 1% | RM3,001.00+ | Not specified / uncapped in listing |
| Travel | 0.5% | RM3,000.00+ | Not specified / uncapped in listing |
| Travel | 1% | RM3,001.00+ | Not specified / uncapped in listing |
| Other Spending | 0.2% | RM3,000.00+ | Not specified / uncapped in listing |
| Other Spending | 0.2% | RM3,001.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.