In today's society, credit cards have become one of the indispensable payment tools in people's daily consumption. They can not only provide convenient payment methods but also bring many benefits and value-added services to cardholders. As a leading financial institution in Malaysia, Hong Leong Bank has launched a series of credit card products with distinct features to meet the needs of different customer groups. This article will deeply analyze Hong Leong Bank's credit card series, revealing its diverse rights, interests, and advantages to you.

I. InfiniteP Credit Card: A High-End Choice for Exclusive Invited Customers

(I) Basic Information

The InfiniteP credit card is a high-end credit card product carefully created by Hong Leong Bank for invited customers. Its main features are as follows:

• Eligibility for Application: Only invited customers are eligible to apply, ensuring the exclusivity of the cardholder group.
• Age Requirement: The primary card applicant must be at least 21 years old, and the supplementary card applicant must be at least 18 years old, meeting the card usage needs of customers of different age groups.
• Annual Fee Policy: This card offers the benefit of lifetime exemption from the annual fee. Cardholders do not need to worry about the annual fee expenditure and can enjoy a worry-free card usage experience.

(II) Rewards Points Policy

• Rewards Points for Local Consumption: When making local purchases, cardholders can earn 1 Enrich Miles for every RM3.50 spent. The easy accumulation of rewards points lays the foundation for cardholders to redeem a variety of rich rewards in the future.
• Rewards Points for Overseas Consumption: Overseas consumption also brings generous returns. Cardholders can earn 1 Enrich Miles for every RM2.20 spent, encouraging them to fully enjoy the fun of global shopping.
• Transaction Types Not Eligible for Rewards Points: It should be noted that some transaction types are not eligible for earning rewards points, including all government / JomPay/FPX transactions, QR Pay transactions made through the HLB Connect application, cash advances, etc. Cardholders should plan their consumption types reasonably to maximize the rewards points they can obtain.

(III) Exclusive Services and Featured Benefits

• Visa Digital Concierge Service: Cardholders can enjoy the Visa Digital Concierge management service around the clock throughout the year. No matter where they are, they can easily obtain comprehensive assistance through websites, chat applications, phone calls, and emails, meeting their diverse travel and life needs.
• Access to Airport Lounges: The primary cardholder can use the Priority Pass airport lounges 4 times a year. This benefit is valid within 1 month after the credit card is issued and on each anniversary of the credit card issuance. Before a long-distance trip or a business trip, cardholders can enjoy convenient services in a comfortable environment, enhancing their travel experience.
• Travel Insurance Coverage: When cardholders use this card to fully pay for air tickets, they can automatically obtain travel insurance coverage of up to RM2 million, covering travel accidents and related incidents, providing protection for every trip and allowing cardholders to enjoy the journey with peace of mind.
• Foreign Currency Exchange Offers: At the Hong Leong exchange counters in klia2 or Penang International Airport, cardholders can enjoy preferential foreign currency exchange rates when using this card, which greatly facilitates cardholders' travel planning abroad and saves currency exchange costs.
• 24-Hour Service Hotline: The exclusive 24-hour service hotline is always on standby. Cardholders can call 1800 - 18 - 8988 locally and 03 76268988 overseas to obtain timely and efficient assistance, ensuring a smooth and worry-free card usage process.
• Visa Infinite Concierge Service: If cardholders need it, they can call 1800 - 80 - 3006 to obtain the Visa Infinite concierge service. Whether it is booking a dinner, theater tickets, or other life services, the concierge team will wholeheartedly provide high-quality services to cardholders, meeting their diverse high-end life needs.

II. Infinite Credit Card: A High-Quality Choice for Customers with High Annual Incomes

(I) Basic Information

The Infinite credit card is open for application to specific customers with high annual incomes. It is a credit card product carefully created by Hong Leong Bank for customers who pursue a high-quality life and excellent financial services. The following is a specific introduction:

• Eligibility for Application: The primary card applicant should be between 21 and 70 years old, and the supplementary card applicant should be at least 18 years old. At the same time, the primary card applicant must meet the requirement of a minimum annual income of RM100,000, ensuring that cardholders have a certain economic strength and consumption ability to make full use of the various high-end rights and interests of the credit card.
• Annual Fee Policy: It also provides cardholders with the benefit of lifetime exemption from the annual fee, reducing the card usage cost for cardholders and enabling them to more easily enjoy the rich rights, interests, and services brought by the credit card.

(II) Rewards Points Policy

• Rewards Points for Local Consumption: When making local purchases, cardholders can earn 1 Enrich Point for every RM3.50 spent. The simple and convenient accumulation of rewards points allows cardholders to easily accumulate points through daily consumption and prepare for redeeming various rewards in the future.
• Rewards Points for Overseas Consumption: Overseas consumption is also attractive. Cardholders can earn 1 Enrich Point for every RM2.20 spent, encouraging them to fully enjoy shopping and traveling globally and enjoy the generous returns brought by overseas consumption.
• Transaction Types Not Eligible for Rewards Points: Similar to the InfiniteP credit card, some specific types of transactions are not eligible for earning rewards points, such as government / JomPay/FPX transactions, QR Pay transactions made through the HLB Connect application, cash advances, etc. Cardholders should arrange their consumption reasonably to avoid affecting the rewards points they can obtain.

(III) Exclusive Services and Featured Benefits

• Visa Digital Concierge Service: Cardholders can enjoy the Visa Digital Concierge management service around the clock throughout the year. Through a variety of convenient contact methods, such as websites, chat applications, phone calls, and emails, cardholders can obtain professional assistance at any time, solve various problems encountered in travel, shopping, life, etc., and enjoy comprehensive and convenient services.
• Access to Airport Lounges: Cardholders can use the Plaza Premium Lounges in Malaysia and Singapore for free 4 times a year. Within 1 month after the credit card is issued and on each anniversary of the credit card issuance, cardholders can enter the lounges with a valid credit card and boarding pass, enjoy a comfortable waiting environment and high-quality services, and enhance their travel quality.
• Travel Insurance Coverage: When cardholders use this card to fully pay for air tickets, they can automatically obtain travel insurance coverage of up to RM2 million, covering travel accidents and related incidents. This coverage provides a solid safety backup for cardholders' every trip, allowing them to travel with peace of mind and fully enjoy the wonderful moments during the journey.
• Airport Foreign Currency Exchange Offers: At the Hong Leong Bank exchange counters in KLIA2 or Penang International Airport, cardholders can enjoy preferential airport foreign currency exchange rates when using this card, meeting their currency exchange needs when traveling abroad or on business trips, saving exchange costs, and improving travel efficiency.
• 24-Hour Premium Service Hotline: The exclusive 24-hour premium service hotline provides all-weather attentive services for cardholders. Local customers can call 1800 - 18 - 8988, and overseas customers can call 03 76268988 to obtain professional consultation and help at any time, ensuring that they can enjoy timely support at any time and place.
• Visa Infinite Concierge Service: If cardholders need it, they can call 1800 - 80 - 3006 to obtain the Visa Infinite concierge service. Whether it is booking a high-end restaurant, theater performance tickets, or other special service needs, the professional concierge team will fully provide high-quality and efficient services for cardholders to meet their pursuit of a high-quality life.

III. Infinite Doctor’s Edition Credit Card: Exclusive Benefits for Medical Practitioners

(I) Basic Information

The Infinite Doctor’s Edition credit card is an exclusive credit card tailored by Hong Leong Bank for doctors registered with the Malaysian Medical Council (MMC) and dentists registered with the Malaysian Dental Council (MDC). It fully takes into account the special needs and professional characteristics of medical practitioners and provides them with a series of exclusive rights and interests. The following is a detailed introduction to this card:

• Eligibility for Application: The primary card applicant should be between 21 and 70 years old and must be a doctor registered with the Malaysian Medical Council (MMC) or a dentist registered with the Malaysian Dental Council (MDC), ensuring that the cardholder's professional identity meets the requirements and enabling them to enjoy the exclusive customized high-quality services.
• Application for Supplementary Card: The supplementary card applicant must be at least 18 years old. Cardholders can apply for a supplementary card for eligible relatives or relevant personnel according to their own needs, so that they can also enjoy some of the rights and interests of the credit card and meet the card usage needs of the family or team.
• Annual Fee Policy: This card also provides cardholders with the preferential policy of lifetime exemption from the annual fee, reducing the economic burden on cardholders and enabling them to use the credit card more easily and enjoy rich exclusive rights and interests.

(II) Rewards Points Policy

• Rewards Points for Local Consumption: Cardholders can earn 1 Enrich Miles for every RM3.50 spent. The efficient and convenient accumulation of rewards points allows cardholders to easily accumulate points through daily consumption, creating conditions for redeeming various rewards such as flight miles in the future and meeting their needs in aspects such as travel.
• Rewards Points for Overseas Consumption: Overseas consumption is also attractive. Cardholders can earn 1 Enrich Miles for every RM2.20 spent, encouraging them to consume globally, enjoy the fun of overseas shopping and traveling, and also accumulate generous rewards points.
• Transaction Types Not Eligible for Rewards Points: Some specific types of transactions are not eligible for earning rewards points, including government / JomPay/FPX transactions, QR Pay transactions made through the HLB Connect application, cash advances, etc. Cardholders should plan their consumption types reasonably to ensure the maximum acquisition of rewards points.

(III) Exclusive Services and Featured Benefits

• Visa Digital Concierge Service: Cardholders can enjoy the Visa Digital Concierge management service around the clock throughout the year. Through a variety of convenient access methods, such as websites, chat applications, phone calls, and emails, cardholders can obtain professional assistance anytime and anywhere, solve various problems encountered in life, work, travel, etc., and experience comprehensive high-quality services.
• Access to Airport Lounges: Cardholders can use the Plaza Premium Lounges in Malaysia and Singapore for free 4 times a year. Within 1 month after the credit card is issued and on each anniversary of the credit card issuance, cardholders can enter the lounges with a valid credit card and boarding pass, enjoy a comfortable waiting environment and high-quality services, enhance their travel quality, and demonstrate the cardholder's distinguished status.
• Travel Insurance Coverage: When cardholders use this card to fully pay for full-price air tickets, they can automatically obtain travel insurance coverage of up to RM2 million, covering travel accidents and related incidents, such as missed connections, luggage delays, losses, and flight delays. This comprehensive insurance coverage provides a solid safety guarantee for cardholders' every trip, allowing them to enjoy the journey with peace of mind without worrying about the troubles and losses caused by various unexpected situations.
• Airport Foreign Currency Exchange Offers: At the Hong Leong Bank exchange counters in KLIA2 or Penang International Airport, cardholders can enjoy preferential foreign currency exchange rates when using this card, meeting their currency exchange needs when traveling abroad or on business trips, saving exchange costs, improving travel efficiency, and providing convenience for cardholders' overseas trips.
• 24-Hour Premium Service Hotline: The exclusive 24-hour premium service hotline provides all-weather attentive services for cardholders. Local customers can call 1800 - 18 - 8988, and overseas customers can call 03 76268988 to obtain professional consultation and help at any time, ensuring that they can enjoy timely support and care at any time and place.
• Visa Infinite Concierge Service: If cardholders need it, they can call 1800 - 80 - 3006 to obtain the Visa Infinite concierge service. Whether it is booking a high-end restaurant, theater performance tickets, or other special service needs, the professional concierge team will fully provide high-quality and efficient services for cardholders to meet their pursuit of a high-quality life and demonstrate the cardholder's distinguished status and unique taste.

IV. GSC Credit Card: A Great Choice for Movie Fans to Enjoy Cinema Experiences

(I) New Card Opening Offers

• New platinum credit cardholders can receive a promo code, with which they can obtain 10 GSC adult movie tickets, fully enjoying the movie-watching feast and satisfying the movie-watching enthusiasm of movie fan customers.
• New gold credit cardholders can also receive a promo code to obtain 5 GSC adult movie tickets, providing rich movie-watching opportunities for customers who love movies.

(II) Daily Consumption Offers

• Movie Ticket Discounts: Except for movie tickets on Wednesdays and those at Aurum Theatre, cardholders can enjoy a promotional discount of RM6 when purchasing adult movie tickets daily at all GSC branches. The affordable price allows customers to watch movies more frequently and fully enjoy the fun of film and television entertainment.
• Snack and Beverage Discounts: When purchasing popcorn buckets, snacks, and beverages through the GSC website or application, a 30% discount can be enjoyed; when purchasing at the GSC counter, a 10% discount (except on Wednesdays) can be obtained. This offer provides customers with a more affordable consumption experience for movie-related supporting items, enhancing the overall movie-watching enjoyment.

(III) Rewards Points Policy

• Multiples of Rewards Points in Various Consumption Scenarios: In consumption scenarios such as spending at GSC, overseas consumption, and online shopping, cardholders can receive 3 times the rewards points, accelerating the process of rewards points accumulation and enabling them to redeem a variety of rich gifts and rewards more quickly.
• Rewards Points for Other Retail Consumption: In other retail consumption scenarios, cardholders can also earn 1 time the rewards points, ensuring that daily consumption can also bring certain rewards points returns to cardholders.
• Additional Rewards Points Incentives: When other retail consumption accumulates to RM1,000 or more per month, cardholders can receive an additional 1 time the rewards points on the first day of the next month. This additional incentive mechanism further encourages cardholders to increase their consumption and obtain higher rewards points returns.
• Transaction Types Not Eligible for Rewards Points: It should be noted that some transaction types are not eligible for rewards points calculation, including government / JomPay/FPX transactions in retail transactions (both local and overseas), QR Pay transactions made through the HLB Connect application, cash advances, quasi-cash (betting and gaming-related transactions), Quick Cash, flexible payment plans, automatic balance conversion (ABC), balance transfers, and any fees and charges, etc. Cardholders should try to avoid these transaction types that are not eligible for rewards points when consuming to ensure the maximization of rewards points returns.

V. Sutera Platinum Credit Card: Both Consumption Cashback and Rewards Points Incentives

(I) Eligibility for Application

• The primary card applicant should be between 21 and 65 years old, and the supplementary card applicant should be at least 18 years old, ensuring that cardholders have the corresponding civil capacity to use the credit card reasonably and enjoy the relevant rights and interests.
• The primary card applicant's minimum annual income is RM36,000, or they can provide a fixed deposit guarantee of at least RM3,000, providing a certain economic foundation guarantee for the cardholder's credit, ensuring their repayment ability. At the same time, it also provides cardholders with flexible application conditions to meet the application needs of customers with different income levels.

(II) Rewards Points Policy

• Rewards Points Offers for Online and Offline Consumption: In consumption scenarios such as spending at well-known online merchants (such as e-wallet top-ups and food delivery transactions on Lazada, Shopee, etc.), purchasing groceries (at specific supermarkets), pharmacies and essential items (at specific drugstores and convenience stores), dining (at restaurants with specific MCC codes), and overseas non-Malaysian Ringgit retail expenditures, cardholders can earn up to 8 times the HLB rewards points, accelerating the accumulation of rewards points and enjoying more redemption options.
• Rewards Points for Other Retail Consumption: In other eligible retail consumption scenarios, cardholders can also earn 1 time the rewards points, ensuring that daily consumption can also bring certain rewards points returns to cardholders.
• Transaction Types Not Eligible for Rewards Points: Similar to the above-mentioned other credit cards, some transaction types are not eligible for rewards points calculation, including government / JomPay/FPX transactions in retail transactions (both local and overseas), QR Pay transactions made through the HLB Connect application, cash advances, quasi-cash (betting and gaming-related transactions), Quick Cash, flexible payment plans, automatic balance conversion (ABC), balance transfers, and any fees and charges, etc. Cardholders should try to avoid these transaction types that are not eligible for rewards points when consuming to ensure the maximization of rewards points returns.

(III) Uses of Rewards Points

• Diverse Redemption Options: Cardholders can use the accumulated HLB rewards points to redeem a variety of rich gifts, such as electronic products, household items, fashion accessories, etc., meeting the different life needs and interests of customers.
• Redemption of Hotel and Dining Vouchers: They can also redeem various hotel accommodation vouchers, dining vouchers, etc., providing convenience and benefits for cardholders' leisure travel and daily dining out, and enhancing the quality of life.
• Redemption of Frequent Flyer Miles: For cardholders who love to travel, the rewards points can also be used to redeem frequent flyer miles, helping them achieve their dreams of traveling longer distances and accumulating more flight miles to redeem free air tickets or upgrade services.
• Payment of Annual Fees: The rewards points can also be used to pay the credit card annual fee, further reducing the card usage cost for cardholders and maximizing the utilization value of the rewards points.
• On-Site Rewards Points Redemption: Through the on-site rewards points redemption function, cardholders can directly use the rewards points to pay for part or all of the shopping expenses when shopping at participating stores, enjoying immediate consumption discounts and a convenient payment experience.

VI. Essential Credit Card: Both Cashback and Children's Dining Benefits

(I) Eligibility for Application

• The primary card applicant should be between 21 and 65 years old, and the supplementary card applicant should be at least 18 years old, ensuring that cardholders have the corresponding civil capacity to use the credit card reasonably and enjoy the relevant rights and interests.
• The primary card applicant's minimum annual income is RM24,000, ensuring that cardholders have basic economic strength and repayment ability. At the same time, it also provides cardholders with a certain consumption guarantee, enabling them to smoothly enjoy the various discounts and services of the credit card.

(II) Cashback Policy

Differences in Cashback Ratios for Different Consumption Categories: When the monthly consumption is RM3,000 or less, consumption categories such as insurance, retail shopping, and travel each enjoy a 0.50% cashback; when the monthly consumption exceeds RM3,000, the cashback ratio for insurance consumption remains at 0.50%, but the cashback ratios for retail shopping and travel consumption increase to 1.00%. Other consumption, regardless of the amount, enjoys a 0.20% cashback, and there is no upper limit to the monthly cashback, providing cardholders with a stable cash return, encouraging them to consume actively and plan the consumption amount reasonably to obtain higher cashback returns.

(III) Other Benefits

Children's Free Dining Benefit: When cardholders consume at designated partner restaurants, they can enjoy the preferential treatment of children's free dining, reducing the dining burden for families with children and adding fun to parent-child dining out.

VII. Wise Credit Card: A Choice for High Cashback in Daily Consumption

(I) Eligibility for Application

• The primary card applicant should be between 21 and 65 years old, and the supplementary card applicant should be at least 18 years old, ensuring that cardholders have the corresponding civil capacity to use the credit card reasonably and enjoy the relevant rights and interests.
• The primary card applicant's minimum annual income is RM24,000, or they can provide a fixed deposit guarantee of at least RM2,000, providing a certain economic foundation guarantee for the cardholder's credit, ensuring their repayment ability. At the same time, it also provides cardholders with flexible application conditions to meet the application needs of customers with different income levels.

(II) Cashback Policy

• High Cashback for Meeting the Minimum Consumption: When cardholders meet the minimum monthly retail consumption of RM1,000, they can enjoy high cashback in different consumption categories and time periods. Specifically, it includes:
  • For dining consumption, a 0.50% cashback is available on weekdays, and it is as high as 15% on weekends, with a maximum monthly cashback of RM20, meeting the cardholders' needs for enjoying delicious food. Whether it is a daily lunch or a weekend dinner gathering, corresponding cashback rewards can be obtained.
  • For the consumption of groceries and daily necessities (including shopping at designated supermarkets, drugstores, and convenience stores), a 0.50% cashback is available on weekdays, and it increases to 10% on weekends, with a maximum monthly cashback of RM15, helping cardholders save expenses when purchasing daily necessities.
  • For gasoline consumption, a 0.50% cashback is also available on weekdays, and it is 10% on weekends, with a maximum monthly cashback of RM15, providing affordable cashback for cardholders' travel refueling and reducing the fuel cost burden.
  • For online consumption (only at designated merchants such as Lazada, Shopee, etc., including e-wallet top-ups and food delivery transactions), a 1% cashback is available, with a maximum monthly cashback of RM15, facilitating cardholders to obtain corresponding cash returns while enjoying convenient online shopping and food delivery services.
• Uniform Low Cashback for Not Meeting the Minimum Consumption: If cardholders' monthly consumption is less than RM1,000, all eligible transactions will uniformly enjoy a 0.2% cashback, with a maximum monthly cashback of RM2, providing cardholders with a certain basic cashback guarantee, motivating them to continue using the credit card for consumption and gradually accumulate the consumption amount to reach a higher cashback level.

VIII. I’m Card: An Affordable Choice for a Basic Credit Card

(I) Eligibility for Application

• The primary card applicant should be between 21 and 65 years old, and the supplementary card applicant should be at least 18 years old, ensuring that cardholders have the corresponding civil capacity to use the credit card reasonably and enjoy the relevant rights and interests.
• The primary card applicant's minimum annual income is RM24,000, ensuring that cardholders have basic economic strength and repayment ability. At the same time, it also provides cardholders with a certain consumption guarantee, enabling them to smoothly enjoy the various discounts and services of the credit card.

(II) Card Offers

Lifetime Exemption from Annual Fee: The I’m card provides cardholders with the preferential policy of lifetime exemption from the annual fee without any additional conditions, truly achieving free card usage, reducing the long-term card usage cost for cardholders, enabling them to easily own and use the credit card without worrying about the annual fee expenditure problem.

(III) Advantages in Foreign Currency Transactions

No Foreign Currency Transaction Surcharge: The I’m card does not charge a 1% foreign currency transaction surcharge for overseas transaction consumption. Compared with other credit cards, it can save cardholders an additional fee when consuming overseas, improving the competitiveness and affordability of cardholders' overseas consumption. It is especially suitable for customers who often travel abroad, study abroad, or have overseas business dealings, helping them better control costs during overseas consumption and achieving a more economical and affordable consumption experience.

(IV) Additional Services

• Electronic Banking Services: Cardholders can enjoy the online and telephone banking services provided by Hong Leong Bank, managing the credit card account anytime and anywhere, including operations such as checking statements, making repayments, and transferring funds, which is convenient and efficient and improves the efficiency of financial management.
• Electronic Monthly Statements: The I’m card automatically provides cardholders with electronic monthly statements, which is in line with the environmental protection concept, reduces paper waste, and is also convenient for cardholders to view detailed statement information, timely understand the consumption situation and repayment amount, and better plan personal finances.

With a rich variety of products and distinctive rights and interests, Hong Leong Bank's credit card series meets the needs of different customer groups in aspects such as consumption, travel, and financial management. Whether it is the cardholders of InfiniteP and Infinite credit cards who pursue high-end services, the users of Infinite Doctor’s Edition credit cards who enjoy exclusive benefits as medical practitioners, the cardholders of GSC credit cards who are enthusiastic about movie-watching, or the cardholders of Sutera Platinum Card, Essential Card, Wise Card, and I’m Card who focus on rewards points incentives and cashback, they can all find a suitable credit card product in Hong Leong Bank. Choose a Hong Leong Bank credit card to start a new experience of convenient, preferential, and high-quality consumption life.

[Related reading] Malaysia Hong Leong Bank Savings Account Explained

[Related reading] Guide to Time Deposit and Multi-Currency Accounts at Hong Leong Bank, Malaysia

[Related reading] A Complete Guide to Opening a Bank Account in Malaysia: Comparison of All Banks + Tips to Avoid Pitfalls When Opening an Account

[Related reading] Malaysia 2025 Top 5 Bank Account Opening Tips