Hong Leong Emirates HLB World Card

Designed for wanderlusts, Hong Leong Emirates HLB World Card offers a free return flight ticket to Europe, WiFi, global airport membership and Skywards Miles.

Hong Leong Emirates HLB World CardFree Airport Lounge
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 Skyward Miles Welcome Bonus and Anniversary Bonus of 5,000 Miles each. Enjoy free economy class flight to Europe, 2x Emirates KLIA lounge access and overseas medical, travel & retail insurance.

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 golf privileges, airport transfer, airport lounges membership, WiFi and travel & lifestyle services worldwide.

Easy Payment Plans

Exclusively for Hong Leong Emirates HLB World cardholders, Flexi Payment Plan (FPP) offers an installment period of 12 months at 0% p.a with min. retail spend of RM1,000.

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
  • RM800 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RM20 or 5% of withdrawn amount, whichever is higher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


Minimum Annual Income
Minimum Age
  • 21 to 65 years old  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 traveling, 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 spend as well.

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

 Amazing Emirates Skywards Miles Bonuses

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

Welcome Bonus 5,000 Miles

Spend minimum 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 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 75,000 Miles bonus as well when you spend RM200,000 in a year.

That's equivalent with 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 & travel insurance by MSIG up to RM3 million
  • Purchase protection (online and wallet guard) by AIG up to USD200
  • 2x Emirates KLIA Lounge Access
  • 1x Grab ride airport transfer worth RM88
  • 2x Green Fee per month at selected golf clubs in Malaysia
  • Membership to more than 1,000 lounges in over 500 airports worldwide (including dining, spa, retail offers)
  • Personal travel & lifestyle services