Hong Leong Visa Infinite Credit Card offers exclusive benefits and converts purchases charged to it directly into Enrich Miles without the need for applying for a conversion. The card is also packed with other value added services such as dedicated help desk and concierge services.
The card has a lifetime annual fee waiver on both, principal and supplementary cards.
The card earns air miles directly in the form of Enrich Miles removing the need for applying for conversion.
The card has a dedicated travel help desk wherein cardholders can get assistance in making travel bookings, visa applications, and even booking hotel accommodations.
Cardholders can get preferential rates on foreign currency when they exchange currency at Hong Leong Bank Bureau de Change in Penang International Airport or at KLIA2.
Cardholders can get up to 4 free access passes to Plaza Premium Lounges located at KLIA, KLIA2, Senai Johor, Penang, Langkawi, Kota Kinabalu, and The Green Market at Changi Singapore. For subsequent years, cardholders will receive the complimentary passes when they charge a minimum of RM100,000 to the card in the preceding year.
The cardholder can also get a free travel accident insurance with a cover of up to RM3 million when they charge the entire cost of the flight tickets to the card. The policy also provides cover for travel inconveniences such as loss or delay of baggage, delayed flights, and missed flight connections among others.
The card earns Enrich Miles for expenses charged to it at the rate of 1 Enrich Mile for every RM2.8 charged to the card locally and 1 Enrich Miles for every RM1.8 charged to it on overseas retail expenses. The card has an Enrich Miles conversion facility which works automatically where conversions are carried out on a monthly basis.
The cardholder gets access to a Visa Infinite Concierge service that assists in making dinner reservations, travel reservations, and entertainment reservations among others.
You will have to meet the following 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 minimum annual income required for this card is RM150,000.
Fees and charges
Types of Fees
Annual fees – Principal card
Free for life
Annual fees – Supplementary card
Free for life
Minimum monthly repayment
The higher of 5% of the outstanding balance or RM50
Finance charge on purchases
Rates range from 15% p.a. to 18% p.a. based on payment record of cardholder
Finance charge on cash advance
Late payment charges
1% of the outstanding balance with a minimum fee of RM10 with the maximum fee being capped at RM100
Cash advance fee
RM20 or 5% of the amount withdrawn, whichever is higher
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.