Hong Leong Visa Infinite P Credit Card is an exclusive credit card that is offered to customers by invitation only. The card offers a host of exclusive benefits such as the ability to earn Enrich Miles directly without the need for conversion and no annual fees.
The card is an air miles credit card which earns Enrich Miles on every expense charged to it.
The card comes with a waiver on annual fees.
The cardholder can enjoy competitive and preferential foreign exchange rates when converting currency at Hong Leong Bank Bureau de Change at KLIA2 or Penang International Airport.
The cardholder gets access to the Hong Leong Premium Travel Desk which offers assistance for travel needs such as visa applications.
The card provides 4 complimentary access passes to Priority Pass Airport Lounges across the globe. For subsequent years, cardholders must charge a minimum of RM300,000 to the card in the preceding year.
The card offers a complimentary travel insurance policy when the entire cost of the flight ticket is charged to the card. The policy provides a high cover for up to RM3 million.
The card earns miles on every expense charged to the card which is automatically converted into Enrich Miles on a monthly basis. The cardholder can earn 1 Enrich Mile for every RM2.8 charged to the card locally and can earn 1 Enrich Miles for every RM1.8 charged to the card overseas.
The cardholder can enjoy a Visa Infinite Concierge service which provides assistance in making dinner reservations, entertainment reservations, and travel reservations among others.
You will have to meet the following eligibility criteria to avail this card:
Principal cardholders must be 21 years. The maximum age of the cardholder cannot exceed 65 years of age.
18 years of age for supplementary cardholders.
The card can be acquired by invitation only.
Fees and charges
Types of Fees
Annual fees – Principal card
Free for life
Annual fees – Supplementary card
Free for life
Minimum monthly repayment
5% of the outstanding balance or RM50, whichever is the higher amount
Finance charge on purchases
Cardholders who are good paymasters can enjoy interest rates 15% p.a. Cardholders who settle minimum payments on time for 10 months or more in a 12-month period are charged 17% p.a. Cardholders who do not belong to either category will be charged 18% p.a.
Finance charge on cash advance
Late payment charges
1% of the outstanding balance. The minimum fee is RM10 with the maximum being RM100
Cash advance fee
RM20 or 5% of the amount withdrawn, whichever is the higher amount
Overseas transaction conversion fee
Transactions carried out overseas are converted into Ringgit Malaysia using an exchange rate as set forth by Visa International/MasterCard International. The transactions converted will also have a 1% mark-up imposed by Hong Leong.