Hong Leong Bank Visa Infinite

^{Another quality and comprehensive tutorial by www.GenXGenYGenZ.com}

The first thing you must know about this card is that it is FREE FOR LIFE!!! You do not need to spend a sen for annual fee waiver!

The second most important thing you must know about the Hong Leong Bank Visa Infinite is that it earns you UNLIMITED 1 Enrich Point for every RM1 spent on Dinning locally or overseas!

Remember in the previous page, I assumed that 1 Air Miles is worth RM0.05 when you redeem for a Biz Class Saver ticket? So with 1 EP with every RM1 spent for dining, it means we are getting equivalent 5% cash back!

Below is a table from HLB showing you how much you need to spend to earn 1 Enrich Point for different categories. I tell you, the MCC Codes are giving me a headache, haha.

If you refer to the above, other than Dining, we need to spend minimum RM4 to earn 1 Enrich Point. Compared to Maybank Singapore Airlines KrisFlyer AMEX, we only need to spend RM2.50 or RM2 to earn 1 KrisFlyer Mile.

The Pro about the HLB VI is that the Enrich Points earned will be automatically credited into our Enrich Account which is super good as makes our lives easier. However, this can also be a Con because we will then not earn any Bonus Enrich Points mentioned in Page 2!!!

Click here to Page 5 for Alliance Bank Credit Cards to earn you Enrich Points