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Hong Leong · Visa Infinite · Miles

HLB Infinite Doctor's Edition By invitation

Earns
Up to 1 Enrich mile per RM Dining
Lounge
4 visits a year Plaza Premium
Applications
By invitation
Annual fee
Free for life
See it on Hong Leong's site

Good for

  • Heavy dining spend. 1 Enrich mile per RM1, no cap, overseas too.
  • No annual fee, and the income bar is RM48,000 a year.
  • 4 free Plaza Premium lounge visits a year in Malaysia and Singapore.

Watch out

  • Only for doctors registered with the MMC and dentists registered with the MDC.
  • Groceries, petrol and online earn only 1 Enrich mile per RM6.
  • Spend in a foreign currency costs 2% in fees.

What it earns

Miles go straight into your Enrich account. There is nothing to transfer.

SpendingEarns
Dining1 mile per RM
Airlines (direct), Hotels (direct), OTAs (Agoda, Booking, Expedia) and more0.25 miles per RM
Everything else0.17 miles per RM
Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billersNothing

Using your miles

Where they go
Enrich miles Credited straight to your account.

Travel

Airport lounges
4 free visits a year Plaza Premium. Malaysia and Singapore airports. Main cardholder only. Guests get up to 20% off.
Overseas spending fee
2% 1% Visa plus 1% Hong Leong
Paying in ringgit abroad
1% When a shop abroad charges you in ringgit.

Insurance

Free. The cover starts once you pay the full air fare with this card. Trips abroad of up to 30 days.

Travel accident
Up to RM2 million Plus up to RM2 million in total for your family. A child under 18 gets 10% of the sum.
Travel inconvenience
Lost luggage up to RM8,000 Missed connection, missed departure or flight delay up to RM2,000, one claim only. Luggage delay RM200 for every 6 hours, up to RM4,000. Higher limits for the family.
Shopping and fraud cover
Not listed Hong Leong does not list this cover for this card.
Insurer
MSIG Insurance (Malaysia) Claims go to MSIG, not Hong Leong. Call 1-800-88-6744.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free for life
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus all instalments, the tax, any amount over your limit and any unpaid past minimum.
Late payment
1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM20 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out.
Replacement card
RM50

Who can apply

Income
By invitation
Who
Doctors registered with the MMC and dentists registered with the MDC only
Age
21 to 70 Extra cardholders from 18.
Documents
  • MyKad copy (both sides). Non-Malaysians: a passport valid for at least 6 more months
  • Employees: latest EPF statement with at least 6 months of contributions, or latest 3 months' computer-printed payslips
  • Employees outside a multinational company also need one of: latest BE form with tax receipt, latest EA form, or 3 months of bank statements showing your salary
  • Self-employed: latest business registration form, plus your latest B form with tax receipt or 6 months of company bank statements
  • Expatriates: latest 3 months' payslips, plus a work permit valid for at least 6 months or an employment letter dated in the last 3 months
You send these once the bank approves your application in principle.

Other perks

Concierge
Visa Digital Concierge Travel and lifestyle requests, all day, all year. Or call 1800-80-3006 for dinner and theater bookings.
Pay by phone
Apple Pay, Google Pay, Samsung Pay Add it in the HLB Connect app.
Card network
Visa Infinite

Where this comes from