HLB Opus By invitation
- Earns
- Up to 2.5 Enrich miles per RM Spending in Singapore dollars or Thai baht
- Lounge
- Unlimited visits Plaza Premium
- Applications
- By invitation
- Annual fee
- RM3,000
Good for
- Unlimited Plaza Premium lounge visits worldwide, for you and your supplementary cardholders.
- Dining earns 1 Enrich mile per RM1, and spend in Singapore, the UK, Japan, Thailand and South Korea 2.5 per RM1.
- 60,000 Enrich miles each time you pay the annual fee.
Watch out
- By invitation only.
- RM3,000 annual fee, never waived. A replacement card costs RM1,900.
- Other spend earns only 1 Enrich mile per RM5.
What it earns
Miles go straight into your Enrich account. There is nothing to transfer.
| Spending | Earns |
|---|---|
| Spending in Singapore dollars or Thai baht | 2.5 miles per RM |
| Dining | 1 mile per RM |
| Airlines (direct), Hotels (direct), OTAs (Agoda, Booking, Expedia) and more | 0.33 miles per RM |
| Everything else | 0.2 miles per RM |
| Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers | Nothing |
Using your miles
- Where they go
- Enrich miles Credited straight to your account.
Travel
- Airport lounges
- Unlimited visits Plaza Premium. Plaza Premium and Plaza Premium First lounges worldwide. Every cardholder, supplementary included. Show the card and a boarding pass.
- 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 air fare with this card.
- Travel accident
- Up to RM2 million Travel accident and inconvenience cover, plus up to RM2 million in total for your family.
- Travel inconvenience
- Not listed Hong Leong does not list this cover for this card.
- 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 or 1-800-88-6163.
Fees and charges
What it costs if you don't pay in full, or use it for cash.
- Annual fee
- RM3,000
- Extra (supplementary) cards
- RM2,000 a year Never waived. The RM25 service tax still applies.
- 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
- RM1,900
Who can apply
- Income
- By invitation By invitation only.
Other perks
- Concierge
- Visa Concierge Through the Visa Concierge website, or WhatsApp +60 1800 805 572.
- Pay by phone
- Apple Pay, Google Pay, Samsung Pay Add it in the HLB Connect app.
- Card network
- Visa Infinite Privilege
Where this comes from
- Product page. Its description reads 'HLB Opus is an invitation-only credit card.' Checked 20 Oct 2026
- Hong Leong Bank Opus Credit Card T&C (last updated 3 September 2026), Table 1 Updated by the bank 3 Sep 2026
- HLB Fees and Charges, Credit Cards Checked 20 Oct 2026
- HLB Cardholder Agreement (January 2026) Checked 20 Oct 2026
- HLB Apple Pay page (FAQ 4 lists the cards that cannot be added) Checked 20 Oct 2026
- HLB Google Pay page Checked 20 Oct 2026
- HLB Samsung Pay page Checked 20 Oct 2026