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  • Hong Leong Flexi Payment Plan

    Hong Leong Bank’s Flexi Payment Plan (FPP) allows you to split large retail spends done with your credit card into smaller, affordable monthly payments. You can even enjoy flexible repayment tenures that go up to 36 months.

    Features of Hong Leong Flexi Payment Plan

    Repayment Period Interest Rate Minimum Purchase Amount Effective Interest Rate
    6 months 8.99% p.a. RM500 15.25%
    12 months RM1,000 16.20%
    18 months RM1,000 16.40%
    24 months RM2,000 16.41%
    36 months RM2,000 16.23%

    Benefits

    • Convert big retail purchases into easy-to-pay monthly instalments.
    • Convenient, flexible repayment periods that start from six months and go up to 36 months.
    • Fixed interest rate for all tenure options.

    Eligibility

    • All principal cardholders of Hong Leong credit cards can apply for this option.
    • Your credit card account should be in good standing at the time of the application.
    • There should be sufficient available credit limit at the time of conversion.

    List of Credit Cards Featuring Hong Leong’s Flexi Payment Plan

    Credit Card
    Key Benefits
    Interest Rates
    Annual Fee
    Know More

      Earn Enrich Miles for every RM1 spent.

    Enjoy access to Priority Pass airport lounges all over the world.

    15% p.a. - 18% p.a.

    None

    Enjoy 4x access to Plaza Premium Lounges.

    Get automatic insurance coverage worth up to RM3 million when you charge your full flight fare to this card.

    15% p.a. - 18% p.a.

    None

    For every Ringgit you spend, you automatically earn Enrich Miles.

    Get automatic insurance coverage worth up to RM3 million when you charge your full flight fare to this card.

    15% p.a. to 18% p.a.

    None

    Enjoy special forex rates.

    Enjoy complimentary access to Plaza Premium lounges in Singapore and Malaysia.

    12.85% p.a.

    RM424 for principal card and RM212 for supplementary card (waived with a minimum of 12 swipes in a year).

    Earn 10% cashback up to RM100 on select spending categories.

    Switch categories according to your needs.

    15% p.a. to 18% p.a.

    RM318 for principal card and RM150 for supplementary card.

    Get 0.6% cashback on your first RM5,000 spend on insurance or other retail transactions.

    Get 1% unlimited cashback once you complete the first spending tier.

    15% p.a. to 18% p.a.

    RM106 for principal card and RM53 for supplementary card. Get an automatic annual fee waiver with a minimum of 12 swipes p.a.

    You can personalise this card.

    You can enjoy savings when you spend in foreign currencies.

    This card will auto-enrol you for e-statements.

    15% p.a. to 18% p.a.

    None

    Earn 1% in cash for every Ringgit you spend on shopping, dining, petrol, etc.

    15% p.a. to 18% p.a.

    RM169.60 is charged for the principal card and RM 84.80 is charged for the supplementary card. (Waived with a minimum of 12 swipes p.a.)

    Enjoy a cash rebate of 3% on spends of RM1,500 and below at The Store & Pacific and many more.

    Enjoy cash rebates in the form of gift vouchers that will come through the monthly statements.

    15% p.a. to 18% p.a.

    Swipe this card at least 12 times a year for the annual fee waiver.

    Get up to RM1.7 million in travel Insurance coverage.

    Enjoy complimentary access to Plaza Premium lounges.

    15% p.a. to 18% p.a.

    RM424 for principal and RM212 for supplementary card.

    Get 24/7 access to cash if you head to more than 500,000 Express Cash Network and Visa PLUS ATMs all over the world.

    Transfer your outstanding balance from other credit cards to this card and save RM2,700 and more in interest.

    15% p.a. to 18% p.a.

    RM169.60 for principal card and RM84.80 for supplementary card.

    Enjoy 15% discount at GSC Food & Beverage outlets.

    Get 10% off on regular-priced movie tickets when you use your cards at GSC outlets.

    15% p.a. to 18% p.a.

    GSC Platinum (Visa) principal card – RM318

    GSC Platinum (Visa) supplementary card -RM159.

    GSC Gold (Visa) principal card – RM159

    GSC Gold (Visa) supplementary card - RM79.50.

    The annual fee is waived for the first year if you swipe once within 45 days from card issuance date. Subsequently, you can enjoy annual fee waiver when you use the card at least 12 times in a year.

    How Does Hong Leong Flexi Payment Plan Work?

    Make a retail purchase worth a minimum of RM500 with your Hong Leong credit card. Select the transaction you wish to convert on your Connect Internet Banking platform. Select your preferred repayment tenure. Once your request is approved, your purchase amount along with the interest will be divided into equal monthly instalments. The first instalment will be due the following month.

    How Do You Apply for Hong Leong Flexi Payment Plan?

    You can apply online through Connect Online banking or Connect App if you are a Connect user. It’s as simple as choosing the transaction you wish to convert and filling out the application form.

    With Hong Leong’s FPP facility, you won’t have to make sacrifices on your retail spends. You can continue buying everything you need and pay for it all later as affordable monthly instalments. What’s more? You can even decide the repayment tenure depending on the transaction amount and your individual needs.

    FAQs on Hong Leong Flexi Payment Plan

    Q. Does the FPP apply to all kinds of transactions?

    A. No. This plan does not apply to balance transfers, cash advances, Extended Payment Plans, Cash-on-Call, Call-for-Cash, annual fees, and card forward balance.

    Q. Will this plan give me any reward points or cash rebates?

    A. No. You cannot get any reward points or cash rebates under this plan.

    Q. Is my application subject to any conditions?

    A. Yes. Your application is subject to the following conditions:

    • The current standing of your account.
    • The available credit limit that you have at the time of conversion.
    • Your credit account should not be in default.

    Q. What happens if I default on any of the repayments?

    A. In case of a payment default, your entire outstanding balance will become due and payable. In case of delayed payments, you’ll be charged a late payment fee along with the prevailing finance charge.

    Q. How will I know if my application has been approved or not?

    A. The bank will notify you in writing within 10 working days from the date of application whether your FPP conversion application has been rejected or approved. If you don’t hear from the bank after 10 days, then you can call the Hong Leong Contact Centre at 03-76268899 for further assistance.

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