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HLB’s overseas spend campaign: how to win 200,000 Enrich Points

HLB’s overseas spending campaign runs from 1 November 2026 to 31 January 2027. Before moving purchases to an eligible card, separate the competition prize from the rewards your card normally earns.

Spend overseas on an eligible HLB card and you collect entries towards 200,000 Enrich Points. It sounds like a points bonus, but it works more like a competition: spending only earns entries, and entries only earn a place on a shortlist.

At a glance

Campaign Details
Campaign period 1 November 2026 to 31 January 2027
Eligible cards HLB opus, Infinite P, Infinite and Infinite Doctor’s Edition
What counts Foreign-currency transactions, converted into ringgit by HLB
Prize 200,000 Enrich Points each
Winners 6, chosen from the 15 cardholders with the most entries

Accounts must remain active and in good standing throughout.

How entries add up

Entries are counted per transaction. Purchases are not combined, so the same total spend can earn very different numbers of entries:

  • Below RM1,000: each RM250 equivalent earns one entry.
  • RM1,000 or more: each complete RM1,000 earns ten entries.
Entries earned from overseas spendingSame rules, different ways to split a purchase
  • One RM2,000 purchase20 entries
  • One RM1,000 purchase10 entries
  • Two RM500 purchases (RM1,000 total)4 entries
  • Four RM250 purchases (RM1,000 total)4 entries

One RM1,000 purchase earns ten entries. Spend the same RM1,000 in smaller amounts and you get four. These are competition entries, not Enrich Points.

Winning takes more than spending

The 15 cardholders with the highest entry totals are shortlisted. The first six to answer the campaign question correctly within the stipulated response period win 200,000 Enrich Points each.

Entries only get you onto a shortlist. Even in the top 15, you still need to be one of the first six to answer correctly.

The prize is points, not issued flight tickets. Availability and airline conditions apply, and winners bear airport taxes and incidental costs.

What does not count

Transactions must post within five days. These are excluded:

  • Balance transfers and Quick Cash
  • Flexi Payment Plan purchases
  • Reversed transactions
  • Bank fees

Is it worth switching cards?

Treat the prize as a possible bonus, not a reason to change cards. Compare the rewards your card normally earns overseas with its foreign-currency charges and any annual fee. Do not increase your budget to chase entries.

Sources

See what your own spending earns.

Open the calculator