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
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.
Rates from Hong Leong Bank's official product page, verified 7 Oct 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.