Hong Leong Bank
Hong Leong Essential Credit Card
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 — reduces net cashback benefit
- 1% cashback with an annual fee makes break-even calculation unfavourable unless spending is high
- No premium features
Full specifications
| Annual Fee | RM 100 |
| Min Income | RM 2,000/month |
| Apply Online | Yes |
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Rates from Hong Leong Bank, verified 11 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.