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Hong Leong Bank
Hong Leong Bank

Hong Leong Essential Credit Card

2.0
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 FeeRM 100
Min IncomeRM 2,000/month
Apply OnlineYes
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