HLB VISA Infinite Credit Cards Revisions effective 22 May 2025
Kuala Lumpur, 30 April 2025
Dear Valued Cardholders,
Please be informed that effective 22 May 2025, there will be revisions to the Enrich Points Earn Rate for the following HLB VISA Infinite Credit Card Products:
HLB VISA Infinite P Credit Card
HLB VISA Infinite Credit Card
- HLB VISA Infinite Doctor’s Edition Credit Card
- Revision of Enrich Points Earn Rate
(a) HLB VISA Infinite P Credit Card
Table 1
| Eligible Transactions* | Eligible Merchant Category Codes (MCC), Merchants and/or Transactions | Local Spend |
Overseas Spend |
|---|---|---|---|
Dining |
|
RM1 = 1 Enrich Point |
RM1 = 1 Enrich Point |
Travel |
|
RM3 = 1 Enrich Point |
RM3 = 1 Enrich Point |
Retail Shopping |
|
RM3 = 1 Enrich Point |
RM3 = 1 Enrich Point |
Others Spend |
|
RM5 = 1 Enrich Point |
RM5 = 1 Enrich Point |
*Eligible transactions EXCLUDE all Government/JomPay/ FPX transactions, QR Pay transactions via HLB Connect App, Cash Advances, Quasi Cash (betting and gaming related transactions), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers, DuitNow AutoDebit and any fees, and charges.
(b) HLB VISA Infinite and Infinite Doctor’s Edition Credit Card
Table 2
| Eligible Transactions* | Eligible Merchant Category Codes (MCC), Merchants and/or Transactions | Local Spend |
Overseas Spend |
|---|---|---|---|
Dining |
|
RM1 = 1 Enrich Point |
RM1 = 1 Enrich Point |
Travel |
|
RM4 = 1 Enrich Point |
RM4 = 1 Enrich Point |
Retail Shopping |
|
RM4 = 1 Enrich Point |
RM4 = 1 Enrich Point |
Others Spend |
|
RM6 = 1 Enrich Point |
RM6 = 1 Enrich Point |
*Eligible transactions EXCLUDE all Government/JomPay/ FPX transactions, QR Pay transactions via HLB Connect App, Cash Advances, Quasi Cash (betting and gaming related transactions), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers, DuitNow AutoDebit and any fees, and charges.
Frequently Asked Questions (FAQ)
- Are there any changes in the annual fees for HLB VISA Infinite Credit Cards?
No, HLB VISA Infinite Credit Cards will remain free for life for cardholders.
- Will cardholders continue to earn Enrich Points at the current earn rate for local & overseas transactions?
All retail transactions made with HLB VISA Infinite Credit Cards and are posted to the cardholders’ credit card account before 22 May 2025 will continue to earn Enrich Points at the current earn rate as per Table 3 below.
Table 3
| Spend Categories | Current Earn Rate (Before 22 May 2025) |
|---|---|
Local Transactions |
RM3.50 = 1 Enrich Point |
Overseas Transactions |
RM2.20 = 1 Enrich Point |
All retail transactions made with HLB VISA Infinite Credit Cards and are posted to the cardholders’ credit card account from 22 May 2025 onwards will earn Enrich Points at the revised earn rate as per Tables 1 and 2 (subject to the card type).
Thank you.