Hong Leong Emirates HLB World Elite Card

Live like a king with Hong Leong Emirates HLB World Elite Card! Enjoy free limousine service, golf privileges and travel, plus medical and retail insurance.

Hong Leong Emirates HLB World Elite CardAir Miles and Travel
Min. Income
Annual Fee
Easy Payment Plan
From 8.99% p.a.
Interest Rate
15% p.a.
20 days


Earn 150,000 Skywards Miles (equivalent to a return business class flight to Europe) + 10,000 Skywards Miles (Anniversary Bonus) when you spend RM300,000 in a year. Get extra 10,000 Skywards Miles as Welcome Bonus for your first retail transaction (within 45 days from the card approval date).

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 a Skyward Miles Welcome Bonus and Anniversary Bonus of 10,000 Miles each. Enjoy complimentary 4x access to Emirates KLIA Lounge within the card anniversary and with no spending criteria, airport transfer, overseas medical and travel insurance, plus automatic purchase protection.

Travel CoverageSum Insured
Personal AccidentUp to RM2,000,000
Travel InsuranceUp to RM2,000,000
Delayed FlightUp to RM30,000
Missed FlightUp to RM30,000
Lost LuggageUp to RM30,000
Delayed LuggageUp to RM30,000


Complimentary golf privileges, airport lounges membership, limo and WiFi services worldwide. Enjoy an annual fee of RM488 (the normal annual fee is RM2,500) per Card Anniversary until 31 Dec 2022.

Easy Payment Plans

Exclusively for Hong Leong Emirates HLB World Elite cardholders, Flexi Payment Plan (FPP) offers an instalment period of 12 months at 0% p.a with a minimum 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
  • RM488 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!


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, an 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 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 Anniversary Bonus when you spend RM300,000 in a year with 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:

  • 4x complimentary access to Emirates Lounge KLIA Access per card anniversary (with no spending criteria)
  • 1x limo service worldwide, without spending condition
  • 2x Green Fee and a buggy fee per month worldwide (at selected golf clubs), 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
  • Access to >1 million Boingo Wi-Fi hotspots worldwide
  • Medical and travel insurance by AIG Malaysia up to US$500,000
  • Purchase protection by AIG Malaysia up to US$20,000
  • MasterCard Concierge Travel & Lifestyle Services for dinner reservations, ticket bookings, etc
  • Get MasterCard Airport Experiences LoungeKey membership and free 1x airport lounge access

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
Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product