Pay with Credit or Debit Card

No new apps. Enter your card once at checkout and your policy is issued instantly.

Why Card Payments

Already in your wallet.

If you carry a Visa, Mastercard, or American Express card, you're already ready. Enter your card details at HOI's secure checkout: no extra registration, no waiting, and your policy is issued the moment payment clears.

How it works

Complete your renewal details
Fill in your vehicle and policy details on HOI as usual.
Select 'Card' at checkout
Choose Credit/Debit Card as your payment method.
Enter your card details
Enter your card number, expiry date, and CVV.
Confirm via 3D Secure / OTP
Authorize the payment with the OTP or 3D Secure prompt from your bank.
Get instant confirmation
Receive instant payment confirmation and an email receipt. Your policy is issued immediately.

Pro Tip

Already paid by card and wish you'd used 0% installment? Many Malaysian banks let you convert a recent purchase into an installment plan after the fact. Just call the number on the back of your card and ask for a "0% EPP / installment conversion" on your HOI payment. Not many people know this option exists.

Frequently asked questions

Card Payments with HOI

HOI accepts Visa, Mastercard, and American Express, both credit and debit cards issued by Malaysian and international banks.

Yes. Card payments are processed through a secure, PCI-DSS compliant payment gateway with 3D Secure / OTP verification from your bank. HOI never sees or stores your full card number.

No extra fees: the price you see at checkout is the price you pay, whether you use a credit or debit card.

Yes. Many Malaysian banks let you convert a recent card transaction into a 0% installment plan after the fact. Call the number on the back of your card and ask for "0% EPP" or "installment conversion" on your HOI payment. If you'd rather choose installment upfront, see Maybank EzyPay 0% Installment.