Features & Benefits
| Spend Category | Merchant Name | Transaction Amount (RM) |
|---|---|---|
| Retail Outlet Services | ZYX clothing store | 300 |
| Insurance Services | Insurance X | 2,000 |
| Transportation Services | Rapid Y | 500 |
Total: 2,800 Eligible as total credit card outstanding retail balance is higher than RM500 |
| Spend Category | Merchant Name | Transaction Amount (RM) |
|---|---|---|
| Retail Outlet Services | ZYX clothing store | 200 |
| Travel and entertainment | Cinema X | 30 |
| Transportation Services | Rapid Y | 100 |
Total: 330 Not eligible as total credit card outstanding retail balance is lower than RM500 |
| Spend Category | Merchant Name | Transaction Amount (RM) | Eligible to convert by transaction | Reason for eligibility |
|---|---|---|---|---|
| Travel and Entertainment | Airline XYZ | 5,000 | Eligible | Transaction Amount higher than RM500 |
| Retail Outlet Services | ZYX clothing store |
300 | Not Eligible | Transaction amount lower than RM500 |
Note:
Retail transactions must not have passed their payment due date at the point of FPP conversion.
FPP conversion by specific retail transactions can only be done on HLB Connect Online.
Please refer to the Terms & Conditions for the full list of eligible card spend and merchant category code (MCC) to convert by retail transaction.
You may apply online via Connect Internet Banking or Connect App.
Simply log in and go to Apply > Credit Card Services > Flexi Payment Plan.
Not yet a Connect user? Register now.
Note:
Retail transactions must not have passed their payment due date at the point of FPP conversion.
FPP conversion by specific retail transactions can only be done on HLB Connect Online.
Please refer to the Terms & Conditions for the full list of eligible card spend and merchant category code (MCC) to convert by retail transaction.
The following special rates are in conjunction with our Promotional Campaign from 1 October 2024 - 31 January 2025. Click here to find out more.
| Min. Conversion Amount (RM) |
Interest Rate |
Tenure (Months) |
|---|---|---|
| 500 |
1.88% p.a. | 3 |
| 500 |
3.18% p.a. | 6 |
| 500 |
3.58% p.a. | 12 |
| 500 |
3.99% p.a. | 18 |
| 2000 | 3.99% p.a. | 24, 36 |
Or convert your credit card outstanding retail balance or specific retail transactions and split the payments into smaller monthly instalments up to 36 months.
| Min. Conversion Amount (RM) |
Interest Rate |
Tenure (Months) |
|---|---|---|
| 500 | 8.99% p.a. |
6 |
| 1,000 | 12, 18 | |
| 2,000 | 24, 36 |
Only selected Merchant Category Code (MCC) as listed below are available for conversion by specific retail transaction:
| Spend Category | Merchant Category Code (MCC) |
|---|---|
Insurance |
5960, 6300 |
Airlines and Travel |
3000 – 3300, 3501 – 3838, 4511, 4582, 4722, 7011 |
Utilities |
4821, 4899, 4900, 9399 |
Retail Services |
5200 – 5399, 5611 – 5950, 5712 – 5732, 5944, 5970 – 5999, 7622 – 7641 |
Medical Services |
8011 – 8099 |
Automobile & Automotive Services |
3351 – 3412, 5531 -5599, 7512 - 7549 |
E-wallet top-ups |
6540 |
Miscellaneous Services |
2741-2842, 4829, 5013-5199, 5963 – 5969, 6010 – 6533, 7012 – 7299 |
Business to Business |
7311 - 7399 |
School, College & Universities |
8211 - 8299 |
Government Services |
9211 – 9405 |