Features & Benefits
| Spend Category | Merchant Name | Transaction Amount (RM) |
|---|---|---|
| Retail Outlet Services | ZYX clothing store | 300 |
| Insurance Services | Insurance X | 2,000 |
| Transportation Services | Rapid Y | 500 |
Total: 2,800 Eligible as total credit card outstanding retail balance is higher than RM500 |
| Spend Category | Merchant Name | Transaction Amount (RM) |
|---|---|---|
| Retail Outlet Services | ZYX clothing store | 200 |
| Travel and entertainment | Cinema X | 30 |
| Transportation Services | Rapid Y | 100 |
Total: 330 Not eligible as total credit card outstanding retail balance is lower than RM500 |
| Spend Category | Merchant Name | Transaction Amount (RM) | Eligible to convert by transaction | Reason for eligibility |
|---|---|---|---|---|
| Travel and Entertainment | Airline XYZ | 5,000 | Eligible | Transaction Amount higher than RM500 |
| Retail Outlet Services | ZYX clothing store |
300 | Not Eligible | Transaction amount lower than RM500 |
Note:
Retail transactions must not have passed their payment due date at the point of FPP conversion.
FPP conversion by specific retail transactions can only be done on HLB Connect Online.
Please refer to the Terms & Conditions for the full list of eligible card spend and merchant category code (MCC) to convert by retail transaction.
You may apply online via Connect Internet Banking or Connect App.
Simply log in and go to Apply > Credit Card Services > Flexi Payment Plan.
Not yet a Connect user? Register now.
Note:
Retail transactions must not have passed their payment due date at the point of FPP conversion.
FPP conversion by specific retail transactions can only be done on HLB Connect Online.
Please refer to the Terms & Conditions for the full list of eligible card spend and merchant category code (MCC) to convert by retail transaction.
| Min. Conversion Amount (RM) |
Interest Rate |
Tenure (Months) |
|---|---|---|
| 500 |
1.88% p.a. | 3 |
| 500 |
3.18% p.a. | 6 |
| 500 |
3.58% p.a. | 12 |
| 500 |
3.99% p.a. | 18 |
| 2000 | 3.99% p.a. | 24, 36 |
Or convert your credit card outstanding retail balance or specific retail transactions and split the payments into smaller monthly instalments up to 36 months.
| Min. Conversion Amount (RM) |
Interest Rate |
Tenure (Months) |
|---|---|---|
| 500 | 8.99% p.a. |
6 |
| 1,000 | 12, 18 | |
| 2,000 | 24, 36 |
Only selected Merchant Category Code (MCC) as listed below are available for conversion by specific retail transaction:
| Spend Category | Merchant Category Code (MCC) |
|---|---|
Insurance |
5960, 6300 |
Airlines and Travel |
3000 – 3300, 3501 – 3838, 4511, 4582, 4722, 7011 |
Utilities |
4821, 4899, 4900, 9399 |
Retail Services |
5200 – 5399, 5611 – 5950, 5712 – 5732, 5944, 5970 – 5999, 7622 – 7641 |
Medical Services |
8011 – 8099 |
Automobile & Automotive Services |
3351 – 3412, 5531 -5599, 7512 - 7549 |
E-wallet top-ups |
6540 |
Miscellaneous Services |
2741-2842, 4829, 5013-5199, 5963 – 5969, 6010 – 6533, 7012 – 7299 |
Business to Business |
7311 - 7399 |
School, College & Universities |
8211 - 8299 |
Government Services |
9211 – 9405 |
1. Where can I get assistance and redress?
If you have difficulties in making repayments, you should contact us earliest possible to discuss repayment alternatives. You may contact us at:
HLB Consumer Collections Department at Hong Leong Bank Berhad,
Level 2, Tower A, PJ City Development, 15A, Jalan 219, Section 51A, Petaling Jaya, 46100 Selangor
Tel: 03-7959 1888
Fax: 03-7873 5555
Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counselling, financial education and debt restructuring for individuals. You can contact AKPK at:
Level 5 and 6, Menara Aras Raya (formerly known as Menara Bumiputera Commerce), Jalan Raja Laut, 50350 Kuala Lumpur.
Tel: +603-2616 7766
Website: akpk.org.my/contact-us
POWER! (Pengurusan Wang Ringgit Anda) Programme, offered by AKPK, promotes prudent money management and financial discipline to individual borrowers.
To register and for further information, kindly call 03-2616 7766 or visit the website at www.akpk.org.my.
To make a complaint on products or services offered, you may contact us at:
HLB Customer Advocacy at Level 13A, Menara Hong Leong,
No. 6, Jalan Damanlela, Bukit Damansara, 50490 Kuala Lumpur.
Tel: 03-7626 8821 / 03-7626 8802 / 03-7626 8812.
- If your query or complaint is not satisfactorily resolved by us, you may contact BNMLINK at:
4th Floor, Podium Bangunan AICB, No. 10, Jalan Dato’ Onn, 50480 Kuala Lumpur.
Tel: 1-300-88-5465 or +603-2174 1717 (for overseas calls)
Fax: 03-2174 1515.
Web form: bnm.gov.my/BNMLINK
2. What are the other Credit Card products available to me?
(i) Auto Balance Conversion (ABC)
(ii) Balance Transfer Monthly Interest
(iii) Balance Transfer One-Time Fee
(iv) Extended Payment Plan (EPP)
(v) Quick Cash Monthly Interest
(vi) Quick Cash One-Time Fee