Hong Leong Fortune Card

Hong Leong Fortune Card


  • No annual fee with 12 swipes p.a. or RM8,000 retail spend p.a.
  • 1% Real Cash Earnings on monthly spend
  • Up to RM1,800 Bonus Real Cash Earnings every anniversary
  • RM100 x 1% = RM1
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

6.99% p.a for 12 months

Annual Fee
Annual Fee

RM 160.00

Credit Card's Promotion


Earn 1% in cash for every Ringgit spent on shopping, dining, petrol or just about anything else.


*Real Cash Earnings will only be credited upon meeting the minimum threshold of RM20 and capped at a maximum of RM50 calculated on a monthly basis.

Balance Transfer
BT Repayment Period BT Interest Rate Eligibility
Lifetime (No fixed repayment period) 4.99%p.a. New Cardholder (Never own a Hong Leong Credit Card before)
6 or 12 months 6.99%p.a. HLB Credit Card Holder
Low Interest
Cardholder’s payment behavior Retail interest rate
Cardholders who promptly settle their minimum payment due for 12 consecutive months 15% p.a.
Cardholders who promptly settle their minimum payment due for 10 months or more in a 12-month cycle; and 17% p.a.
Cardholders who do not fall within the above categories 18% p.a.

Up to RM1,800 extra Real Cash Earnings on anniversary spend

Extra earnings are based on you total annual spend:

Total annual spend
Equal or more than RM38,000
Equal or more than RM68,000
Equal or more than RM108,000
Annual fee RM 160.00
Annual fee condition Waived with minimum 12 swipes or RM8,000 retail spend p.a.
Annual fee for suplementary card RM 80.00
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the amount advanced or a minimum of RM20, whichever is higher. This is imposed for each cash advance transaction
Cash withdrawal interest rate 18% per annum calculated on a daily basis
Balance transfer interest rate 6.99% p.a for 12 months
Balance transfer max valid duration Up to 12 months
Balance transfer early settlement penalty RM70.00

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