This review if part of my Best Top Credit Cards in Malaysia Review 2025 AND is only for those who have very high spending (more than RM3K per month) PLUS only wants Enrich Points.

The main reason why I decided to published this article is because I had to tell my readers who are into Enrich Points what credit card to get if they have spending of above RM3K per month especially if they need a credit card for insurance premiums including for auto-debit purposes. And I can only think of the Hong Leong Bank Visa Infinite.

The first thing you must know is that the Hong Leong Bank Visa Infinite is FREE FOR LIFE without any condition. This excellent feature itself tells you that you must have this credit card regardless if you need it or not for now (only my long time die hard followers will understand this statement as to why they must have this said credit card).

But before I proceed, the Hong Leong Bank VI is useless for transactions related 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 and any fees, and charges.

With the above said paragraph, I am now going to tell you why the Hong Leong Bank Visa Infinite today is one card you should seriously consider holding for LOCAL transactions IF AND ONLY IF you are into Enrich Points.

1. you will earn 1 Enrich Point for every RM3.50 paid for Insurance Premiums including auto-debit; and
2. you can top up Shopee Pay after you finish your Alliance Bank Visa Infinite RM3K quota (some people just must use Shopee Pay, haha).
3. You need to pay for a transaction where you cannot benefit from Alliance Bank credit card, e.g. over the counter.

Well, above are the only three reasons I can think off, hahaha. Only a fool will use the HLB VI for petrol, more hahahaha.

Guess what? This is the end of my HLB VI Review.