Visa · Conventional
HLB · MALAYSIA
GSC–Hong Leong Gold Visa
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM150
Card networkVisaConventional card
Google PaySupported
THE DETAILS
Benefit breakdown
GSC privileges
| Benefit | Published offer |
|---|---|
| Eligible adult movie ticket via GSC app / website | RM6 off; excluded films / halls / payment methods apply |
| Cinema-counter adult ticket | RM1 off under the current product terms |
| Concessions online | Up to 30% off eligible items |
| New-to-HLB principal promotion | 10 adult ticket codes for Platinum; 5 for Gold |
New-card ticket codes are for qualifying normal 2D adult screenings; Wednesday, special screenings, e-kiosks and Click to Pay exclusions apply.
GSC Reward Points
| Eligible category | Multiplier |
|---|---|
| GSC purchases | 3X |
| Foreign-currency retail | 3X |
| E-commerce | 3X |
| Other eligible retail | 1X |
| Other-retail monthly posted spend of at least RM1,000 | Extra 1X on that category |
Petrol, government, JomPAY / FPX, HLB Connect QR / DuitNow AutoDebit, cash / portfolio products and fees are excluded. Extra 1X is credited the following month. These are GSC programme points, not airline miles.
Fees & charges
- Principal annual fee
- RM150
- Supplementary annual fee
- RM75; applicable first-year / subsequent waiver conditions remain separate.
- Annual-fee waiver
- First-year waiver subject to the bank’s current offer; subsequent annual fee RM150.
- Retail interest / effective profit rate
- 15% / 17% / 18% p.a., based on prompt-payment history.
- Cash advance interest / profit
- 18% p.a., normally calculated daily without a retail grace period.
- Service tax
- RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
- Cash advance fee
- 5% or RM20, whichever is higher; applicable tax extra.
- Minimum monthly payment
- 5% of outstanding balance or RM50, plus monthly payment-plan / balance-transfer / ABC instalments where applicable.
- Late payment
- 1% of outstanding balance, minimum RM10 and maximum RM100.
- Foreign exchange
- Visa / Mastercard conversion rate plus 1% network transaction fee and 1% bank conversion markup.
- Replacement card
- RM50 per replacement card.
Requirements
- Minimum annual income
- RM24,000
- Principal age
- 21–65 years
- Supplementary age
- At least 18 years
- Application conditions
- Published income threshold; residency, income documents and bank credit assessment also apply.
Product features
- Income documents
- NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
- Mobile payment exception
- HLB’s current Apple Pay FAQ expressly excludes GSC Gold and Platinum. Google Pay eligibility is separately confirmed; only the supported logo is displayed.
- Fixed-deposit application route
- Minimum pledged HLB fixed deposit for this card: RM2,000 for Malaysian citizens / PRs; RM10,000 for foreigners. Available to new-to-card applicants with an eligible sole-name, auto-renewing FD; credit limit is 1:1 with the pledged deposit, subject to approval.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.