Hong Leong Emirates HLB World Card

Designed for wanderlusts, this premium credit card offers a free return flight ticket to Europe, global LoungeKey membership, attractive Skywards Miles and more.

Hong Leong Emirates HLB World CardFree Emirates Lounge Access
Min. Income
Annual Fee
Easy Payment Plan
From 8.99% p.a.
Interest Rate
15% p.a.
20 days


Earn 75,000 Skywards Miles + 5,000 Skywards Miles (Anniversary Bonus) when you spend RM200,000 in a year. Get extra 5,000 Skywards Miles as Welcome Bonus for your first retail transaction (within 45 days from the card approval date).

Skywards Miles
2 points on every RM4for Emirates transaction
1.5 points on every RM4for overseas transaction
1 point on every RM4for local transaction


Get a Skyward Miles Welcome Bonus and Anniversary Bonus of 5,000 Miles each. Enjoy a free economy class flight to Europe, 2x free access to Emirates KLIA lounge and overseas medical, travel and retail insurance. Plus, earn 1x complimentary Grab ride when you spend a minimum of RM2,000 on Emirates and/or Overseas within Card Anniversary. All are subject to terms and conditions.

Travel CoverageSum Insured
Personal AccidentUp to RM85,000
Travel InsuranceUp to RM3,000,000
Delayed FlightUp to RM24,000
Missed FlightUp to RM24,000
Lost LuggageUp to RM24,000
Delayed LuggageUp to RM24,000


Free 2x green fees every month at selected golf clubs in Malaysia with a minimum balance of RM2,000 in the preceding month's statement, LoungeKey membership, and more exclusive travel and lifestyle services worldwide for you to enjoy. Plus, get your purchases covered via the E-Commerce Purchase Protection for up to US$200 and Wallet Guard for up to US$100 while travelling.

Easy Payment Plans

Exclusively for Hong Leong Emirates HLB World cardholders, Flexi Payment Plan (FPP) offers an instalment period of 12 months at 0% p.a with a minimum retail spend of RM1,000. If you wish for other tenure choices, choose from the following months with fixed interest rates and no upfront fees.

Hong Leong Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months8.99% p.a.and no one-time upfront handling feeRM500
12 months8.99% p.a.and no one-time upfront handling feeRM1,000
18 months8.99% p.a.and no one-time upfront handling feeRM1,000
24 months8.99% p.a.and no one-time upfront handling feeRM2,000
36 months8.99% p.a.and no one-time upfront handling feeRM2,000
Learn more about Hong Leong Flexi Payment Plan

Fees & Charges

Annual Fee
  • RM1,200 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Hong Leong Flexi Payment Plan
Make your purchases anywhere and anytime with an instalment of up to 36 months. Take the heat off paying for that hot ticket item!


With Hong Leong Emirates HLB World Card, the world is in your hand. 

Enjoy the best the world can offer - from huge air miles bonuses, free return flights to Europe, medical and travel insurance to complimentary LoungeKey membership in over 500 airports worldwide.

 Earn Skywards Miles on Daily Spend with Hong Leong Emirates HLB World Card

If you can't be separated from travelling, either for business or vacation, then Hong Leong Emirates HLB World Card is for you. 

The Hong Leong Emirates card is full of air miles surprises that will help you fly for free - even land you a free return flight to Europe!

Every Emirates and retail spend paid by your Hong Leong credit card will automatically be converted into Skywards Miles. This includes local spending as well.

Hong Leong Emirates World Card Skywards Miles
Emirates spending RM4 = 2 Skywards Miles
Overseas spending (non-MYR) RM4 = 1.5 Skywards Miles
Local spending (MYR) RM4 = 1 Skywards Miles

 Amazing Emirates Skywards Miles Bonuses

Imagine getting THREE Skywards Miles bonuses when you pay your daily spending with a Hong Leong Emirates card. Yes, you read that right!

  • Welcome Bonus 5,000 Miles

Spend a minimum of 1 retail transaction within 45 days from the Hong Leong Emirates card approval date to get the 5,000 Miles bonus.

  • Anniversary Bonus 5,000 Miles

With a total spend of RM200,000 (including JomPAY and Government transactions) in a year, this credit card will give you a 5,000 Miles bonus.

  • Bonus 75,000 Miles / Return Economy Class Flight Ticket to Europe

On top of the Anniversary Bonus, this credit card will give you a 75,000 Miles bonus as well when you spend RM200,000 in a year.

That's equivalent to a return economy class flight ticket to Europe!

Enjoy VIP Travel Experience with Hong Leong Emirates Card

You deserve the finer things in life. Hong Leong Emirates World Card lets you enjoy some of the benefits, such as:

  • Global medical and travel insurance by MSIG up to RM3 million
  • Purchase protection (online and wallet guard) by AIG up to USD200
  • 2x complimentary access to Emirates Lounge in participating airports in Malaysia with no spending criteria
  • 1x Grab ride airport transfer worth RM88
  • 2x Green Fee per month at selected golf clubs in Malaysia
  • Membership in more than 1,000 lounges in over 500 airports worldwide (including dining, spa, and retail offers)
  • Personal travel and lifestyle services
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