Eat Carbs, Earn Carbs. One of the best Dining cards for serious miles chasers.

Overview

Version	HLB VI	HLB VI Privilege
BolehMiles Rating	Boleh / Macam Boleh / Tak Boleh	Boleh / Macam Boleh / Tak Boleh
Miles Per Ringgit (MPR)	1.0 MPR (Dining) 0.25 MPR (Travel) 0.25 MPR (Retail Shopping) 0.16 MPR (Others)	1.0 MPR (Dining) 0.33 MPR (Travel) 0.33 MPR (Retail Shopping) 0.2 MPR (Others)
Lounge Access	4x per Year at Plaza Premium Lounge (Malaysia and Singapore)	4x Priority Pass Worldwide
Income Requirement	RM100,000 p.a	By invitation only
Annual Fee	Free for Primary and Supplementary Cardholders
Payment Network	Visa Infinite	Visa Infinite
Other Perks	Travel insurance coverage up to RM2 Million by MSIG
Terms and Conditions	See HLB official T&C.
Welcome Bonus	Get RM200 or win a PlayStation 5 Digital Edition with referral code ZYPE8NNP4H Apply Now

We’ve never recommended any Hong Leong Bank credit cards on this site, mainly because the earning rates were nothing to shout about. The HLB VI card was just another general spending card, earning 0.285 MPR for local spend and 0.45 MPR for overseas spend.

But from 22 May 2025, that changes.

The Hong Leong Bank Visa Infinite will earn 1.0 MPR on Dining, uncapped, with no minimum spend. That makes it the highest earning rate card for Dining in Malaysia right now. In return, the local spend rate drops to 0.16 MPR.

Honestly, that’s a fair tradeoff. We’d rather have a top-tier Dining card than yet another so-so general spending card—especially when there are already stronger options out there for that.

You can read the official announcement from Hong Leong Bank here.

Who is this card for?

Dining out is a regular habit —so a card that gives 1.0 MPR on Dining is going to appeal to almost everyone.

This card earns only Enrich (carbs) though—but even if you’ve abandoned the Enrich program altogether, this might just be the reason to come back.

How does this card stack up against its peers for Dining?

When it comes to Dining, there are quite a few cards to choose from, but most come with conditions. The HLB VI / Privilege has no minimum spend requirements and offers the highest MPR, making it an easy pick.

Here’s how the dining earning rates stack up across different miles cards in the Malaysian market.

Card	Local Dining	Overseas Dining
HLB VI / Privilege	1.00 MPR	1.00 MPR
UOB Visa Infinite Metal^	1.00 MPR	2.00 MPR
CIMB Preferred VI**	0.76 MPR*	0.76 MPR*
Maybank Platinum Charge	0.71 MPR	0.71 MPR
SCB Journey	0.50 MPR	0.50 MPR

What are the Dining MCCs?

Hong Leong Bank defines Dining MCCs as 5811, 5812, and 5814, that covers most physical F&B outlets. So as long as you’re dining at a restaurant, food court, or coffee shop, you should be earning 1.0 MPR.

Just keep in mind: MCC 5813 (bars, clubs, nightlife spots) won’t earn miles, and online food deliveries are excluded too.

A New Combo to Earn Loads of Enrich?

In our post on the Best Miles Cards in Malaysia for 2025 (which now ranks nicely on Google, thank you very much), we recommended a few local categorised cards based on different spending habits.

Now with HLB Visa throwing its gauntlet into the miles scene, it quickly becomes the best card for local categorised spend, because Dining is a category everyone spends on.

If your income is at the RM100,000 range, having the 4 cards below in your portfolio should easily cover most of your lifestyle spend. Use them right (through categorised spending), you can realistically rack up loads of Enrich per month.

Card	Category	Miles per Ringgit (MPR)
HLB VI	Dining	1.00 Enrich
Public Bank Visa Signature Read Review	Pharmacy Public Transport Education EV Charging Gym Green Spends	1.00 Enrich
Alliance Bank Visa Platinum/VI/Virtual	E-wallet Online Spend (including Insurance Utilities Food Delivery)	0.53^ Enrich
CIMB e-Card	PayWave Utilities Online	0.96* Enrich 0.82* Alt Miles

Should You Use the Hong Leong Bank VI for Overseas Dining?

We recommend using Overseas Spend cards like the UOB Priv Miles Elite, UOB Visa Infinite, or CIMB Travel World Elite when dining abroad, unless you don’t have them of course. Since you’re already overseas, don’t waste the chance to rack up some Meat and Seafood Miles.

Should You Use the Hong Leong Bank VI for Non-Dining Spends?

Short answer: no.

The earning rates for Travel and Clothing/Department Store spend at 0.25 MPR on the HLB VI and 0.33 MPR on the HLB VI Privilege are just too low to be worth it.

For travel spend, you’re better off with cards like the UOB PRVI Miles Elite or UOB Visa Infinite. For clothing and department stores, consider the UOB Lady’s Card, or stick with the Maybank Platinum Amex or Maybank KrisFlyer Amex instead.

Lounge Access

The HLB VI offers 4x access per year to Plaza Premium Lounges in Kuala Lumpur and Singapore. We’ve also written a guide on KLIA lounges. You can check it out here

The HLB VI Privilege gives you 4x Priority Pass access per year, which unlocks more lounges worldwide.

Travel Insurance

When you charge the full fare of your flight ticket to the Hong Leong Infinite P Card, you’ll be automatically insured for up to RM2 million. The coverage includes travel accidents and common travel inconveniences like missed connections, flight delays, luggage delay, and luggage loss.

You can view the full insurance wording by MSIG [here].

Annual Fee

Both the HLB VI and HLB VI Privilege come with no annual fee which is pretty puzzling, considering they offer the highest MPR for Dining and solid lounge access.

But hey, we’re not complaining.

Conclusion

The Hong Leong Bank VI now ranks high on our list of Local Categorised Spend cards. With no annual fee, it’s a no-brainer—and we highly recommend adding this card to your portfolio.

One question does remain though: With such a high MPR, how long can it last?

In a time when the Malaysian miles scene feels a bit stagnant, this card is a breath of fresh air. 

Great job, Hong Leong Bank. We hope the other banks are paying attention.