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Hong Leong · Visa Infinite · Miles

HLB Infinite P By invitation

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

Good for

  • Dining earns 1 Enrich mile per RM1, no cap, overseas too.
  • Other spend earns 1 Enrich mile per RM5, and travel and fashion 1 per RM3.
  • 4 free Priority Pass lounge visits a year, at airports worldwide.

Watch out

  • By invitation only.
  • Lounge visits are for the main cardholder only. Guests pay.
  • 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 more0.33 miles per RM
Everything else0.2 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 Priority Pass. Lounges worldwide. Main cardholder only. Guests and supplementary cardholders pay.
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 By invitation only.
Age
21 or older Extra cardholders from 18.

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