Products · Credit Cards · Hong Leong Essential Credit Card
Best for
Entry-level earners (RM2,000+/month) who want a basic Hong Leong card with modest cashback
Annual Fee
RM 100
Min. Income
RM 2,000/mo
Check the earn rate with Hong Leong Bank. Hong Leong Bank's own page disagrees with our data on this card's cashback rate on other spend, and we have not corrected it yet. Any cashback or points figure on this page may be out of date, so this card is listed but not ranked in our best-of lists until it is fixed.
Pros
- Up to 1% cashback on qualifying spend
- RM2,000/month income — accessible entry point
- Basic card for first-time credit card users
Cons
- RM100 annual fee, waived with RM8,000 retail spend in a card year
- No premium features
Full specifications
| Annual Fee | RM 100 |
| Fee Waiver | Waived with RM8,000 retail spend in a card year |
| Min Income | RM 2,000/month |
| Apply Online | Yes |
How does Hong Leong Essential Credit Card compare?
See how it stacks up against other credit cards from Malaysian banks.
Source: Hong Leong Bank's official product page. Annual fee checked against it on 7 Oct 2026; its fee waiver, minimum income and cashback or points figures were not all confirmed, so check them on that page. Product details and rates are subject to change — always confirm directly with the bank before applying.