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 In Dubai
Min. Income
RM7,500/month
Annual Fee
RM1,200
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

Earn 75,000 Skywards Miles plus 5,000 Skywards Miles (Anniversary Bonus) when you spend RM200,000 in a year. Get an extra 5,000 Skywards Miles as a Welcome Bonus for your first retail transaction (within 45 days from the card approval date). Additionally, you earn Skywards Miles on eligible spending such as overseas (using non-MYR), local (using MYR) and Emirates transactions too.

Skywards Miles
EarnSpend
2 points on every RM4on Emirates transaction
1.5 points on every RM4on overseas transaction (using foreign currencies)
1 point on every RM4on local transaction (using Malaysia Ringgit)

Travel

Get a Skywards Miles Welcome Bonus and Anniversary Bonus of 5,000 Miles each. In addition, enjoy a free economy class flight to Europe, and complimentary access to the Emirates Business Class Lounge in Dubai (within your Card Anniversary), including 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 RM3,000,000
Travel InsuranceUp to RM3,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM12,000
Delayed LuggageUp to RM8,000

Premium

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, complimentary 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 USD200 and Wallet Guard for up to USD100 while travelling.

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RM20 or 5% of withdrawn amount, whichever is higher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
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM90,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Review

With the Hong Leong Emirates HLB World Card, the world is in your hands!

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 a VIP Travel Experience with a 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
  • 1x Grab ride airport transfer worth RM88
  • Complimentary access to the Emirates Business Class Lounge in Dubai (within your Card Anniversary, no minimum spend required)
  • 2x Green Fee per month at selected golf clubs in Malaysia
  • Complimentary LoungeKey membership in more than 1,000 lounges in over 500 airports worldwide (including dining, spa, and retail offers)
  • Automatic upgrade to Emirates Skywards Silver membership without minimum spend criteria
  • Personal travel and lifestyle services
  • 0% flexi payment plan for 12 months with a minimum retail spending of RM1,000 at participating merchants
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