Hong Leong Infinite Credit Card
5x HLB Rewards Points per RM1 overseas spend
Apply for Hong Leong Infinite Credit Card →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Hong Leong Bank 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. 5x HLB Rewards Points per RM1 overseas spend. 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
- ✓5x HLB Rewards Points per RM1 overseas spend
- ✓2x HLB Rewards Points per RM1 local spend
- ✓6 complimentary Plaza Premium lounge visits/yr
- ✓Travel insurance up to USD1,000,000
- ✓Annual fee waived for life for Premier customers
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
- −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
Before you apply, read Hong Leong Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 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. 5x HLB Rewards Points per RM1 overseas spend.
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 "5x HLB Rewards Points per RM1 overseas spend". 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
This card features in our ranked shortlists — compare it against the best in each category:
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.