Hong Leong Emirates HLB World Elite Card

Live like a king with the Hong Leong Emirates HLB World Elite Card! Enjoy complimentary access to the Emirates Business Class Lounge in Dubai, golf privileges and travel plus medical and retail insurance.

Hong Leong Emirates HLB World Elite CardAir Miles and Travel Perks
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn 150,000 Skywards Miles (equivalent to a return business class flight to Europe) plus 10,000 Skywards Miles (Anniversary Bonus) when you spend RM300,000 in a year. Get an extra 10,000 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 too!

Skywards Miles
2.5 points on every RM4for Emirates transaction
1.75 points on every RM4for overseas transaction
1 point on every RM4for local transaction


Get automatic global Travel Medical and Travel Accident coverage worth up to USD500,000, including Trip Inconvenience coverage of up to USD7,500 by AIG Malaysia. Additionally, enjoy complimentary access to the Emirates Business Class Lounge in Dubai within your card anniversary without spending criteria, a free 1x Grab ride as an airport transfer in Malaysia, and automatic purchase protection of up to USD20,000.


Complimentary golf privileges at selected golf clubs in Malaysia and overseas, automatic upgrade to Emirates Skywards Silver membership, personalised travel and lifestyle services by Mastercard Concierge, including complimentary LoungeKey membership with 1x free airport lounge access per year.

Fees & Charges

Annual Fee
  • RM2,500 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RM20 or 5% of withdrawn amount, whichever is higher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



Jet-setters, go-getters, wanderlusts - the ultimate travel credit card that treats you like a king is here! 

Let Hong Leong Emirates HLB World Elite Card pampers you with free business class return flights to Europe, limo service worldwide, Skywards Miles bonuses and many more.

 Free Business Class Flight to Europe with Hong Leong Emirates Card - World Elite

The Hong Leong Emirates Card - World Elite understands that shopping and travelling make a perfect duo. 

Big spenders who swipe their credit card on RM300,000 spent in a year are entitled to 150,000 Skywards Miles, the equivalent of a return business class flight to Europe. 

Make sure that you utilise your Hong Leong Emirates Card for every retail spend in Malaysia and overseas (including JomPAY and Government transactions) for a bigger chance of flying to Europe in style for free!

 Free 20,000 Skywards Miles

As a Welcome Bonus, your first retail spend within 45 days of your Hong Leong credit card approval will give you 10,000 Skywards Miles.

On top of that, you'll also get another 10,000 Skyward Miles as an Anniversary Bonus when you spend RM300,000 in a year with the Hong Leong Emirates HLB World Elite Card.

 Convert Daily Spend to Air Miles

Imagine converting every spending into air miles - that's how Hong Leong Emirates cards work! Your daily retail spending on Emirates locally or overseas will automatically be converted into Skywards Miles.

Hong Leong Emirates World Elite Card Skywards Miles
Emirates Spending RM4 = 2.5 Skywards Miles
Overseas Spending (non-MYR) RM4 = 1.75 Skywards Miles
Local Spending (MYR) RM4 = 1 Skyward Miles

Enjoy the Best Travel Privileges with Hong Leong Emirates Card

Hong Leong Emirates HLB World Elite Card doesn't only lavish you with air miles but also provides the best travel privileges the world can offer, such as:

  • Complimentary access to the Emirates Business Class Lounge in Dubai within your Card Anniversary (no minimum spend required)
  • 2x Green Fee and a buggy fee (limited to the first 200 eligible cardholders at selected golf clubs in Malaysia) per month at selected golf clubs in Malaysia and overseas, if you maintain a balance of RM2,000 in the preceding month's statement
  • 1x Grab ride worth RM100 for airport transfer when you spend RM2,000 on Emirates and overseas retail
  • Medical and travel insurance by AIG Malaysia up to USD500,000
  • Purchase protection by AIG Malaysia up to USD20,000
  • 0% flexi payment plan for 12 months with a minimum retail spend of RM1,000 at participating merchants
  • MasterCard Concierge Travel and Lifestyle Services for dinner reservations, ticket bookings, etc.
  • Complimentary LoungeKey membership and free 1x airport lounge access per year

Skywards Silver Status Upgrade

You'll be automatically upgraded to Skywards Silver Status after one year. That means you're entitled to:

  • Access to Emirates Lounge at Dubai International Airports
  • 25% bonus Skywards Miles on Emirates Flights
  • Extra 12kg check-in luggage allowance
  • Priority check-in
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