Hong Leong Infinite Credit Card
Enjoy earning Enrich Points for every Ringgit spent locally and overseas, 4X access to Plaza Premium Lounge in Malaysia and Singapore plus free travel insurance!
Earn Enrich PointsProduct summary
- Min. Income
- RM8,333.33/month
- Annual Fee
- Free
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 1.88% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
Hear from our users
Rewards
With Hong Leong Infinite Credit Card, you automatically earn unlimited Enrich Points on every eligible spend. The earn rates are based on your spending category: you'll get 1 point for every RM1 spent on dining, 1 point for every RM4 on travel and retail shopping, and 1 point for every RM6 on other transactions. Please note that the Retail Transactions (both local and international) EXCLUDE all Government/JomPay/ FPX transactions, QR Pay transactions via HLB Connect App, Cash Advances, Quasi Cash (betting and gaming related transactions), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers and any fees, and charges.
| Earn | Spend |
|---|---|
| 1 point on every RM1 | dining expenses locally and overseas |
| 1 point on every RM4 | travel expenses locally and overseas |
| 1 point on every RM4 | retail shopping locally and overseas |
| 1 point on every RM6 | other spending locally and overseas |
Travel
Principal cardholder(s) will have complimentary 4x access to the Plaza Premium Lounge in airports in both Malaysia and Singapore simply by presenting this card and a valid boarding pass. Your accompanying guest(s) can also enjoy up to 20% discount on the published rate. Additionally, enjoy complimentary travel insurance coverage worth up to RM2 million, Hong Leong Premium Card Services and Visa Infinite Concierge Services to help you with any bookings or reservations at any time of the day.
| Travel Coverage | Sum Insured |
|---|---|
| Personal Accident | Up to RM2,000,000 |
| Delayed Flight | Up to RM2,000 |
| Missed Flight | Up to RM2,000 |
| Lost Luggage | Up to RM8,000 |
| Delayed Luggage | Up to RM4,000 |
Balance Transfer
Existing Hong Leong credit cardholders, enjoy 0% interest and low one-time upfront fees of either 3% or 5% for 6 or 12 months. Alternatively, you can also opt for a fixed monthly interest of 7.99% p.a. or 8.99% p.a. for repayment periods of 6 or 12 months.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 3% one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 5% one-time upfront handling fee | from RM1,000 |
| 6 months | 7.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 12 months | 8.99% p.a. and no one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Shop for big-ticket items and enjoy low interest rates for up to 36 months of repayment tenure at participating merchants.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 3 months | 1.88% p.a.and no one-time upfront handling fee | RM500 |
| 6 months | 3.18% p.a.and no one-time upfront handling fee | RM500 |
| 12 months | 3.58% p.a.and no one-time upfront handling fee | RM500 |
| 18 months | 3.99% p.a.and no one-time upfront handling fee | RM500 |
| 24 months | 3.99% p.a.and no one-time upfront handling fee | RM2,000 |
| 36 months | 3.99% p.a.and no one-time upfront handling fee | RM2,000 |
Fees & Charges
- Annual Fee
- RM0 primary card
Free for life
- RM0 supplementary card
- RM0 primary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation and anniversary date
- Minimum Monthly Payment
- RM50 or 5% of outstanding amount, whichever is higher
- Late Payment Fee
- RM10 or 1% of outstanding amount, up to a maximum of RM100
- Cash withdrawal Fee
- RM20 or 5% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
- 18%
- Contact-less Payment Methods
- Visa payWave
Requirements
- Minimum Annual Income
- RM100,000
- Minimum Age
- 21 to 70 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- Easy Payment Plan
- Hong Leong Flexi Payment Plan
- Make your retail purchases anywhere and anytime with a flexible instalment of up to 36 months. Take the heat off paying for that hot ticket item!
- Balance Transfer Plans
- Hong Leong Balance Transfer
- Consolidate all your credit card outstanding debts! Open to new and existing credit cardholders, transfer a minimum of RM1,000 with low-interest rates!
Review
Hong Leong Infinite Credit Card
- Min. Income
- RM8,333.33/month
- Annual Fee
- Free
- Cashback
- No
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- Min. Income
- RM2,000/month
- Annual Fee
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- Cashback
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- Annual Fee
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- Cashback
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- Annual Fee
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- Cashback
- No
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- Min. Income
- RM2,000/month
- Annual Fee
- RM150
- Cashback
- No
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- Min. Income
- RM3,000/month
- Annual Fee
- RM120
- Cashback
- No
Hong Leong Essential Credit Card
- Min. Income
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- Annual Fee
- RM100
- Cashback
- up to 1%
Hong Leong Infinite P Credit Card
- Min. Income
- N/A
- Annual Fee
- Free
- Cashback
- No
Hong Leong Visa Infinite Doctor's Edition
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- No
