Hong Leong Infinite Credit Card
RM1 = 1 Enrich Point on dining · RM4 = 1 Enrich Point on travel/retail
Apply for Hong Leong Infinite Credit Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Hong Leong Infinite Credit Card overview
The Hong Leong Bank Hong Leong Infinite Credit Card is a Infinite-tier Visa miles card built around air miles. RM1 = 1 Enrich Point on dining · RM4 = 1 Enrich Point on travel/retail. It best suits high-income earners, with a minimum income requirement of RM100,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓RM1 = 1 Enrich Point on dining (local & overseas)
- ✓RM4 = 1 Enrich Point on travel/retail spend (local & overseas)
- ✓RM6 = 1 Enrich Point on all other spend (local & overseas)
- ✓4 complimentary Plaza Premium lounge visits/yr (+1 after each card anniversary)
- ✓Automatic travel insurance up to RM2 million when full flight fare is charged to the card
- ✓Annual fee waived for life
Is the Hong Leong Infinite Credit Card worth it?
The Hong Leong Infinite Credit Card is best suited to high-income earners — its minimum income requirement is RM100,000 a year (about RM8,333 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Free for life — no annual fee
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −Higher income requirement — RM100k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — Hong Leong Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Hong Leong Infinite Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Government/JomPay/FPX transactions, QR Pay transactions via the HLB Connect App, Cash Advances, Quasi Cash (betting/gaming), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers, and any fees & charges are excluded from earning Enrich Points.
- Min spend to earn
- None stated — Enrich Points are earned on eligible spend from RM1, no minimum threshold found.
- How the cap works
- No monthly/annual cap on Enrich Points stated for any spend category (Dining, Travel/Retail, Others) on the official product page.
- Foreign transaction fee
- 1% transaction fee imposed by Visa International, plus a 1% foreign exchange conversion mark-up imposed by Hong Leong Bank on the converted Ringgit amount.
Verified 22 August 2026. Summarised in our own words from Hong Leong Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Hong Leong Infinite Credit Cardterms & product disclosure →Hong Leong Infinite Credit Card FAQ
You need a minimum annual income of RM100,000 (about RM8,333 a month). Hong Leong Bank also considers your overall credit standing.
No — the Hong Leong Infinite Credit Card is free for life with no annual fee.
It earns air miles. RM1 = 1 Enrich Point on dining · RM4 = 1 Enrich Point on travel/retail.
No — the Hong Leong Infinite Credit Card is a conventional credit card. Check with Hong Leong Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "RM1 = 1 Enrich Point on dining · RM4 = 1 Enrich Point on travel/retail". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Hong Leong Infinite Credit Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with Hong Leong Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Hong Leong Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.