Hong Leong Bank, a Malaysian bank focused on technology with a history dating back to 1905, offers a wide range of credit cards with global acceptance, low rates, and limits ranging from RM2,000 to RM100,000, designed to cater to modern Malaysians by offering convenience, rewards, and privileges such as AirAsia BIG Points, Enrich Points, cashback, and various discounts. Whether you want cashback on petrol, movie tickets, lounge access or endless cashback, Hong Leong Bank Credit Cards provide a choice to suit your lifestyle and demands.
Table of Contents
Best Hong Leong Bank Credit Cards Annual Fee Comparison
| Hong Leong Bank Credit Card | Min. annual income required | Annual fee of principal card | Annual fee of Supplementary card |
| Essential Credit Card | RM24,000 | RM100 | RM50 |
| Wise Gold Credit Card | RM24,000 | RM98 | RM80 |
| Sutera Platinum Credit Card | RM36,000 | RM120 | RM60 |
| Emirates HLB Platinum Credit Card | RM60,000 | RM128 | Waived |
| GSC Platinum Credit Card | RM60,000 | RM300 | RM150 |
| Visa Infinite Credit Card | RM150,000 | Waived | Waived |
Top Hong Leong Bank Credit Cards in 2023
1. Wise Gold Credit Card
Features & Benefits
- Enjoy an 8% rebate on Mobile, Pharmacies, Groceries, Petrol, Dining, Departmental, Book Stores, Utilities, Entertainment, or Travel.
- The ability to switch reward categories at any moment and still receive the same 8% rebate payout on new purchases.
Eligibility
- RM24,000 is the minimum annual income.
- The principal cardholder must be a minimum of 21 years old.
- The supplementary cardholder must be a minimum of 18 years old.
Fees & Charges
- The annual fee is RM98 for the primary card and RM80 for the supplementary card.
- There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
- The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
- A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
- The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
- Interest rate charges range from 15 to 18% yearly.
Cash Back Rates
| Petrol (Weekends) | Petrol (Weekdays) | Online Spend (Weekends) | Groceries (Weekends) | Groceries (Weekdays) | Dining (Weekends) | Dining (Weekdays) | Other Merchants | |
| Spend RM500 and above monthly | 8% | 1% | 8% | 8% | 1% | 8% | 1& | 0.25% |
| Cash back capped by monthly (RM) | RM15 | RM15 | RM15 | RM15 | RM15 | RM15 | RM15 | Uncapped |
2. Emirates HLB Platinum Credit Card
Features & Benefits
- Enjoy 1X free access to selected golf clubs.
- Earn 1.5X Skywards Miles with Emirates spend for every RM4.
- Earn 1.25X Skywards Miles with global spend for every RM4.
- Earn 0.5X Skywards Miles with local spend for every RM4.
- Enjoy a 1X Grab ride worth RM88.
- Enjoy travel insurance protection up to RM1,500,000.
Eligibility
- RM60,000 is the minimum annual income.
- The principal cardholder must be a minimum of 21 years old.
- The supplementary cardholder must be a minimum of 18 years old.
Fees & Charges
- The annual fee is RM128 for the primary card and waived for the supplementary card.
- The annual fee will waived if you spend RM50,000 in the preceding year.
- There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
- The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
- A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
- The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
- Interest rate charges range from 15 to 18% yearly.
3. Sutera Platinum Credit Card
Features & Benefits
- Earn 8X reward points on online spending, groceries, dining and global.
- Earn 1X reward points for other spending.
- Enjoy travel insurance protection up to RM1,700,000.
Eligibility
- RM36,000 is the minimum annual income.
- The principal cardholder must be a minimum of 21 years old.
- The supplementary cardholder must be a minimum of 18 years old.
Fees & Charges
- The annual fee is RM120 for the primary card and RM60 for the supplementary card.
- The annual fee for the first year is free, and the following years are eliminated if you spend a minimum of RM15,000 every year.
- There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
- The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
- A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
- The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
- Interest rate charges range from 15 to 18% yearly.
Hong Leong Bank Credit Card Promotion and Bonuses
Hong Leong Bank offers a variety of promotions and bonuses regularly to recruit new customers and reward existing ones. These promotions, which include a variety of rewards, are a fundamental element of the Hong Leong Bank credit card programme.
Cashback Rewards
The cashback rewards are a crucial aspect of the Hong Leong credit card campaign. Cardholders can receive rewards on various purchases, including restaurants, groceries and fuel. This means that the more you spend, the more cashback you will receive, allowing you to save money on ordinary purchases.
Bonus Points
The Hong Leong Bank credit card also provides purchase bonus points. Over time, these points can be accrued and redeemed for various incentives, such as certificates, electronics, and air miles. This bonus point programme encourages Hong Leong Bank credit cardholders to utilise their cards for everyday purchases, resulting in more rewards and savings.
Travel Benefits
Certain Hong Leong Bank credit cards, such as Visa Infinite and Visa Infinite P, offer MAS Enrich Miles for transactions. In contrast, the AirAsia Gold Visa and AirAsia Platinum Visa offer BIG Points for AirAsia and retail purchases. These travel perks make the Hong Leong Bank credit card more appealing to frequent travellers.
Minimum credit limit of the Hong Leong Bank credit card
The Hong Leong Bank credit card’s minimum credit limit varies depending on the type of card and the cardholder’s income. Hong Leong Bank credit cards include credit limits ranging from RM2,000 to RM100,000. Specific cards, such as the AirAsia Platinum Visa and GSC Platinum Visa, demand an RM5,000 minimum income, whilst the Essential and Wise Platinum only RM2,000. Premium choices, such as Visa Infinite and Platinum, have greater limitations of RM12,000 and RM100,000, respectively.
How to Apply for a Hong Leong Bank Credit Card?
Choosing the right Hong Leong Bank credit card for your needs is crucial, but once you’ve made that decision, the application procedure is simple. We will walk you through the Hong Leong Bank credit card application procedure.
Eligibility Criteria: What You Need to Know Before Applying
| Eligibility | |
| Age | The minimum age required is 21 years for primary cardholders and 18 years for secondary cardholders. |
| Residency Status | Malaysian and PR |
| Income Requirement for Monthly |
Essential Credit Card – RM2,000 Wise Gold Credit Card – RM2,000 Sutera Platinum Credit Card – RM3,000 Emirates HLB Platinum Credit Card – RM7,500 GSC Platinum Credit Card – RM5,000 Visa Infinite Credit Card – RM2,500 |
Step-by-Step Guide to the Application Process
Prepare the general documents wanted for the Hong Leong Bank credit card application, such as the ones listed below, to speed up your Hong Leong Bank credit card application.
| Documents to Apply for Hong Leong Bank Credit Card | |
| Salaried Employee | Self-Employed |
|
✅Copy of IC for both slides ✅Latest 3 months’ salary slips or latest 6 months EPF statement ✅The most recent BE Form, along with an official tax receipt ✅Latest 3 months bank statements ✅Letter of employment |
✅Copy of IC for both slides ✅Bank statements for the previous 6 months of the company ✅Latest 6 months EPF statements ✅Latest Form B |
After Your Application: Approval Process and Receiving Your Card
After applying for a Hong Leong credit card, the process that follows is critical to ensuring that you receive your card and may begin using it. What occurs after you apply for a Hong Leong bank credit card is detailed below:
Application Review: After you submit your application, the bank will review all of the documents and information you have given. This phase entails determining your creditworthiness by reviewing your credit score, income, and other financial data. Hong Leong Bank may also check to see if you have signed up for Hong Leong Connect.
Approval or Rejection: Hong Leong Bank will either approve or deny your application based on the assessment. If you are approved, your credit limit will be decided by your financial situation and the type of card you have applied for.
Card Issuance: Hong Leong Bank will prepare your credit card for issuance after your application is approved. This procedure entails producing the card, incorporating your information, and creating your account.
Card Delivery: Your Hong Leong Bank credit card will be mailed or delivered to your registered address.
Activation: Upon receiving your card, you must activate it before use. This usually involves calling the Hong Leong credit card hotline or activating it online via the Hong Leong Bank website or mobile app.
Conclusion: Choosing the Right Credit Card for Your Needs
Choosing the correct credit card is critical for good financial management. Consider your spending habits, the incentives you value the most, and any card fees. Hong Leong Bank has several credit cards with various incentives, ranging from cashback to AirAsia BIG Points and movie ticket discounts. When applying, make sure to look for any Hong Leong credit card promotions that are currently running, as they might provide additional value. If you need help, the Hong Leong credit card hotline is always open.
If you’re interested on finding other best credit cards, you can visit our Best Credit Card in Malaysia 2023 page.
Disclaimer
This content is given for general informational purposes only and should not be construed as financial or legal advice. While we make every effort to deliver accurate and up-to-date information, we make no guarantees or representations on the completeness, accuracy, or reliability of any material supplied. Hong Leong Bank credit card terms and conditions, including any incentives, are subject to change at the bank’s discretion. As a result, for the most current and personalised financial advice, it is best to speak directly with Hong Leong Bank or a trained financial counsellor. Any information supplied here is used entirely at your own risk.
