- Annual FeeFree
- Balance TransferOne-time fee & monthly interest plans*
- Easy Payment Plan0% interest rate*
- Interest Rate15% p.a.
- Interest-free20 days
- Min. IncomeRM8,333/month
- Overview
Expand your horizons. Enjoy unlimited Enrich Points for every spend with direct conversion.
- Rewards
Earn Enrich Points for every retail spend with Visa Infinite credit card, it's automatic and unlimited.
- Travel
You will have complimentary 4x access to the participating Plaza Premium Lounges in airports in Malaysia and Singapore, comprehensive travel insurance plus benefits, and Visa Infinite Concierge Services to help you with any bookings or reservations at any time of the day.
- Balance Transfer
One time fee plans and monthly interest plans* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/balance-transfer.html
- Flexible Payments
Convert your purchases as min as RM500 into an affordable payment plan* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/flexi-payment-plan.html
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 15 Prompt Repayment 10 out of 12 months 17 Prompt Repayment of less than 10 out of 12 months 18 Interest rate on cash withdrawal 18
- Eligibility
Criteria Details Minimum Age 21 Maximum Age 70 Who Can Apply Anybody
- Features
Criteria Details Card Type Visa Interest Free Period (Days) 20 Airport Lounge Access Yes Enrich Points Yes
- Fee
Criteria Details Min Cash Withdrawal Fee 5% of the amount advanced or a minimum of RM20 per transaction, whichever is higher Min Late Payment RM10 or 1% of the total outstanding balance as at statement date whichever is higher, subject to a maximum of RM100
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Rewards Points Tiers
Applicability Points Per Ringgit Validity (Years) Dining 1 1.00 - Travel 1 4.00 - Retail Shopping 1 4.00 - Other Spend 1 6.00 -
- Supplementary Card
Criteria Details Minimum Age (Years) 18
- Travel Insurance
Criteria Amount (RM) Lost Luggage Compensation 8,000 Travel Insurance Coverage 2,000,000 Delayed Luggage Coverage 200, max 4,000 Delayed Flight Compensation 2,000 Personal Accident Coverage 2,000,000 Missed Flight Connection Compensation 2,000