Flexi Payment Plan

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  • Consumer Services >
  • Flexi Payment Plan
 Flexi Payment Plan

Flexi Payment Plan (FPP)

Apply Now
Apply on Connect

Features & Benefits

  • Features & Benefits
  • How to Apply
  • Plans & Rates
  • Terms & Conditions
  • Product Disclosure Sheet
Credit Card Benefits

 

 

Option 1
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

Option 2
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
Click here for Campaign Rates!

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

 

 

Flexi Payment Plan (FPP) Board Rate Terms & Conditions

Flexi Payment Plan (FPP) Board Rate Product Disclosure Sheet

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