Hong Leong Infinite P Credit Card

Min. annual incomeBy invitation

Principal annual feeRM0

Card networkVisaConventional card

View with bank ↗← All HLB cards

Apple PaySupported

Google PaySupported

4 visits per membership yearPriority Pass

BEFORE YOU FLY

Airport lounge access

Priority Pass

4 visits per membership year

Priority Pass

Use viaPriority Pass membership / app; follow the bank’s enrolment instructions.

Qualifying spend & allocation: No separate retail-spend threshold stated in the linked programme.
Principal / supplementary: Principal cardholder only.
Guests: Guests are separately charged; complimentary guest admission is not included.
Where it works: Participating worldwide Priority Pass lounges.

Principal allowance available on issue, then renewed one month after each card anniversary.

Entry steps & validity

Active eligible card, matching valid boarding pass and required identity / programme QR code. Admission remains subject to lounge capacity.

Principal allowance available on issue, then renewed one month after each card anniversary.

Official Priority Pass lounge directory ↗Issuer programme ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Automatic Enrich Points

Automatic Enrich Points
Eligible local / overseas spend	Earning
Dining	1 Enrich Point per RM1
Travel and retail shopping	1 Enrich Point per RM3
Other eligible spending	1 Enrich Point per RM5

Uncapped eligible points; automatically credited to the principal holder’s Enrich account. Government, JomPAY, FPX, HLB Connect QR, cash / portfolio products and fees are excluded. Opus country bonus uses merchant country code, not transaction currency.

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: RM0; applicable first-year / subsequent waiver conditions remain separate.
Annual-fee waiver: No annual fee.
Retail interest / effective profit rate: 15% / 17% / 18% p.a., based on prompt-payment history.
Cash advance interest / profit: 18% p.a., normally calculated daily without a retail grace period.
Service tax: RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
Cash advance fee: 5% or RM20, whichever is higher; applicable tax extra.
Minimum monthly payment: 5% of outstanding balance or RM50, plus monthly payment-plan / balance-transfer / ABC instalments where applicable.
Late payment: 1% of outstanding balance, minimum RM10 and maximum RM100.
Foreign exchange: Visa / Mastercard conversion rate plus 1% network transaction fee and 1% bank conversion markup.
Replacement card: RM50 per replacement card.

Requirements

Principal age: At least 21 years
Supplementary age: At least 18 years
Application conditions: Available by invitation only; no public general salary threshold.

Product features

Income documents: NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
Travel insurance: Up to RM2 million when the full eligible airfare is charged to the card; the policy separately limits travel inconvenience and insured persons.

Product disclosure·Card terms·Fees & charges·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.