Transfer your debt now to enjoy special low interest fees each month!
| Instalment Period | Interest Rate | Minimum Amount |
|---|---|---|
| 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 |
Get help with making your expensive shopping habits affordable with Hong Leong Flexi Payment Plan.
You can simply sign up for this flexi payment plan either via Hong Leong Connect Internet Banking or the Hong Leong Connect App.
Log in, and go to 'Apply' > select 'Credit Card Services' > select 'Flexi Payment Plan'.
If you are not a user of Hong Leong Connect, you can register at the bank's website!
Tired of paying incredibly high-interest rates on your credit cards? Ditch the stress on your next retail purchase and convert it via the Hong Leong Flexi Payment Plan, subject to terms and conditions.
Yep, that’s right! Instead of paying that 18% per annum interest rate, you will only have to pay a flat interest rate of as low as 1.88% per annum or 8.99% p.a. for up to 36 months on your retail purchase of minimum RM500.
You can also convert your credit card outstanding retail balance or specific retail transactions and split the payments into smaller monthly instalments for a maximum tenure of 36 months.
| Tenure | Interest Rate | Minimum Conversion Amount |
| 6 months | 8.99% p.a. | RM500 |
| 12 months | 8.99% p.a. | RM1,000 |
| 18 months | 8.99% p.a. | RM1,000 |
| 24 months | 8.99% p.a. | RM2,000 |
| 36 months | 8.99% p.a. | RM2,000 |
Conversion is only available for transactions from the following Merchant Category Codes (MCCs):
| Spend Category | Merchant Category Code (MCC) |
| Insurance | 5960, 6300 |
| Airlines and Travel | 3000 – 3300, 3501 – 3838, 4511, 4582, 4722, 7011 |
| Utilities | 4821, 4899, 4900, 9399 |
| Retail Services | 5200 – 5399, 5611 – 5950, 5712 – 5732, 5944, 5970 – 5999, 7622 – 7641 |
| Medical Services | 8011 – 8099 |
| Automobile & Automotive Services | 3351 – 3412, 5531 -5599, 7512 - 7549 |
| E-wallet top-ups | 6540 |
| Miscellaneous Services | 2741-2842, 4829, 5013-5199, 5963 – 5969, 6010 – 6533, 7012 – 7299 |
| Business to Business | 7311 - 7399 |
| School, College & Universities | 8211 - 8299 |
| Government Services | 9211 – 9405 |
There are a few points you might want to take note of. First of all, please be sure to make your payments on time once your FPP conversion is approved. That way, you can avoid paying additional fees or finance charges.
Secondly, your application for the FPP conversion may be subject to your credit score and credit limit at the time of the application. Therefore, keep in mind that prompt repayment histories are a weighing factor. Other than that, shop smart and live debt free!
