Overview of Hong Leong Bank Credit Card in Malaysia
Hong Leong Bank Berhad is a technology-focused bank that emphasizes the development of financial capabilities to serve its customers.
The bank is based in Malaysia and is present in neighbouring countries such as Singapore, Hong Kong, Vietnam, Cambodia, and China.
Features and Benefits of Hong Leong Credit Card
Hong Leong credit cards offer different benefits depending on the card.
Plaza Premium Lounge Access (Visa Infinite Cards)
The Hong Leong Visa Infinite, Visa Infinite P, and Visa Infinite Doctor's Edition all include complimentary Plaza Premium Lounge access:
Standard Infinite: 4 visits per year, Infinite P (by invitation): Unlimited visits worldwide
Lounges include:
- KLIA Main Terminal: Plaza Premium Lounge (Satellite & Contact Pier)
- KLIA2: Plaza Premium Lounge
- Singapore Changi: Multiple Plaza Premium locations
Each visit provides:
- Food and beverages (hot meals, snacks, coffee, soft drinks, alcohol)
- Comfortable seating and workstations
- High-speed Wi-Fi
- Shower facilities
- Newspapers and magazines
- TV and entertainment
Lounge access typically costs RM150-200 per visit when purchased directly. The 4 annual visits on the standard Infinite provide RM600-800 value, significantly exceeding the card's free annual fee.
Travel Insurance Coverage
Visa Infinite cards include automatic travel insurance when you charge your full airfare (or tour package) to the card. Coverage applies to trips up to 90 days:
Medical Coverage:
- Emergency medical expenses: Up to RM2 million
- Emergency medical evacuation: Up to RM2 million
- Hospital daily allowance: RM300/day (max 30 days)
Trip Protection:
- Trip cancellation/interruption: Up to RM10,000
- Lost, damaged, or delayed baggage: Up to RM5,000
- Travel delay: RM500 per 6-hour delay (max RM1,500)
- Flight delay: RM500 per 6-hour delay (max RM1,500)
Personal Protection:
- Accidental death/permanent disability: Up to RM500,000
- Personal liability: Up to RM500,000
Insurance is underwritten by MSIG Insurance (Malaysia), and claims must be reported within 30 days. Keep all receipts and medical documentation for reimbursement.
Malaysia Airlines Enrich Miles
All three Visa Infinite cards automatically convert spending to Malaysia Airlines Enrich Miles:
Local spending: RM3.50 = 1 Enrich Mile Overseas spending: RM2.20 = 1 Enrich Mile
Miles credit to your Enrich account within 7 working days of transaction posting. You'll need to provide your Enrich membership number when applying for the card or registering later through HLB Connect.
Example: Spend RM10,000 monthly on the card:
- Local: RM8,000 = 2,286 miles
- Overseas: RM2,000 = 909 miles
- Total: 3,195 miles/month = 38,340 miles/year
A return economy ticket from Kuala Lumpur to Singapore requires about 9,000 miles, meaning you could redeem 4 such flights annually with regular card usage.
Hong Leong Flexi Payment Plan
Convert purchases above RM500 into monthly instalments of 6, 12, 18, 24, or 36 months. Interest rates start from 1.88% p.a., depending on tenure and your credit profile.
How it works:
- Make any retail purchase above RM500
- Call HLB contact centre or apply through the HLB Connect app within 30 days
- Choose your instalment tenure
- Hong Leong converts the transaction into fixed monthly payments
Available at: Over 4,000 participating merchants nationwide, or convert any retail purchase after the fact.
Hong Leong Balance Transfer
Transfer outstanding balances from other banks' credit cards or charge cards to your Hong Leong credit card at preferential rates. This consolidates multiple bills into one monthly payment and potentially saves on interest.
Current offers:
- 0% one-time fee for 3-month tenure
- Longer tenures available with competitive rates
- Minimum transfer: RM1,000
- Maximum: Up to 80% of available credit limit
How it works:
- Apply through HLB Connect, branches, or the contact centre
- Provide details of credit cards you want to pay off
- Hong Leong pays those cards directly
- You repay Hong Leong over your chosen tenure
HLB Reward Points: Earning & Redemption Guide
Hong Leong's reward points programme applies to the Sutera Platinum card and selected other cards. Understanding how to earn and redeem maximizes the value.
How You Earn Reward Points
Most Hong Leong cards earn 1 point per RM1 on retail purchases, excluding government transactions, JomPay, and balance transfers.
Points post to your account within 3 to 5 working days of transaction settlement. Check your balance through the HLB Connect app or online banking.
Reward Points Never Expire
Unlike many loyalty programmes, HLB Reward Points never expire as long as your card account remains active and in good standing. Closing your card account triggers a 30-day redemption window, after which all unredeemed points are forfeited.
Redemption Options
1. Pay-with-Points at Merchants: Use points as payment at participating restaurants, retail outlets, and service providers. Conversion rate: 500 points = RM1.
2. Hong Leong Club Rewards Catalogue: Redeem for physical products (electronics, appliances, fashion items), shopping vouchers, or travel bookings. Catalogue items change quarterly. Access through HLB Connect.
3. Air Miles Conversion: Transfer points to Malaysia Airlines Enrich or AirAsia BIG Points programmes. Conversion rates vary, typically 2,000-3,000 HLB points = 1 air mile.
4. Annual Fee Waiver: Redeem points to offset your card's annual fee within 3 months of the fee posting to your account. Rate varies by card; check your specific terms.
Fast Track Redemption
Some catalogue items offer "Fast Track" redemption, combining reward points with a cash portion. For example, an RM500 item might cost 150,000 points OR 100,000 points + RM100 cash. This helps you redeem faster if you haven't accumulated enough points for full redemption.
Top Hong Leong Bank Credit Cards in Malaysia 2026
1. Hong Leong Wise Credit Card
Best for weekend spending
The Wise Card underwent major changes on 1 January 2025 to offer Malaysia's highest weekend cashback rates. Dining earns 15% cashback on Saturdays and Sundays, whilst petrol, groceries, and online spending at selected merchants earn 10% on weekends. Weekday spending on these categories drops to 0.5%, and everything else earns 0.2% unlimited cashback.
You must spend at least RM1,000 monthly to unlock the higher rates. Below that threshold, all spending earns only 0.2% cashback. The card also caps weekend cashback at RM20/month for dining and RM15/month each for petrol, groceries, and online categories.
Key Features:
- 15% weekend dining cashback (capped at RM20/month)
- 10% weekend petrol/groceries/online cashback (capped RM15/month per category)
- 0.5% weekday cashback on main categories
- 0.2% unlimited cashback on all other retail spending
- Minimum RM1,000 monthly spend required
Eligibility:
- Minimum income: RM24,000/year (RM2,000/month)
- Annual fee: RM98 (no waiver available)
- Credit limit: From RM2,000
2. GSC - Hong Leong Gold Visa Credit Card
Best for cinema lovers
Receive 5 free movie tickets upon card approval, then enjoy permanent discounts at all Golden Screen Cinemas nationwide. You'll save 10% on regular movie tickets (around RM1.70 per ticket) and 30% on popcorn, snacks, and drinks every visit.
The card also earns GSC Reward Points: 1 point per RM1 spent at GSC, 3x points on all other spending, and 5x points on overseas transactions. You can redeem these points for movie tickets and concessions at a rate of 200 points = RM1 value.
Key Features:
- 5 free movie tickets upon approval
- 10% discount on regular movie tickets (ongoing)
- 30% discount on popcorn, snacks, drinks (ongoing)
- Priority lane access at GSC counters
- Up to 20% dining discounts at GSC F&B outlets
Eligibility:
- Minimum income: RM24,000/year (RM2,000/month)
- Annual fee: RM150
- Credit limit: From RM2,000
3. Hong Leong Visa Infinite Credit Card
Best for premium travel
Hong Leong's flagship travel card offers 4x complimentary Plaza Premium Lounge access annually at Malaysian and Singapore airports, eliminating RM150-200 lounge fees per visit. The card also provides RM2 million travel insurance coverage when you charge your full airfare to it, covering medical emergencies, trip cancellations, lost luggage, and travel delays.
Every RM3.50 spent locally converts to 1 Malaysia Airlines Enrich Mile automatically, whilst overseas spending converts at RM2.20 = 1 mile. The card comes with a 24/7 concierge service for travel bookings and reservations.
Key Features:
- 4x Plaza Premium Lounge access (Malaysia & Singapore airports)
- RM2 million travel insurance coverage
- Automatic Enrich Miles: RM3.50 local = 1 mile, RM2.20 overseas = 1 mile
- 24/7 Visa Infinite concierge service
- Free annual fee for life
Eligibility:
- Minimum income: RM100,000/year (RM8,333/month)
- Annual fee: Free for life
- Credit limit: From RM45,000
4. Hong Leong Sutera Platinum Credit Card
Best for reward points
Earn up to 8x HLB Reward Points on online spending, groceries, essentials, dining, and travel. Base spending earns 1 point per RM1, whilst the 8x categories multiply your earnings significantly. Points never expire as long as your card remains active.
Redeem points through the Hong Leong Club Rewards catalogue for shopping vouchers, electronics, travel bookings, or convert to Malaysia Airlines Enrich Miles or AirAsia BIG Points. The conversion rate for pay-with-points redemption is 500 points = RM1.
Key Features:
- 8x reward points on online, groceries, essentials, dining, travel
- 1 point per RM1 on other retail spending
- Points never expire (whilst card is active)
- 500 points = RM1 redemption value
- Convert to Enrich Miles or BIG Points
Eligibility:
- Minimum income: RM36,000/year (RM3,000/month)
- Annual fee: RM120
- Credit limit: From RM12,000
5. Hong Leong I'm Credit Card
Best for no annual fee
The I'm Card charges an RM0 annual fee for life with no minimum spending requirements to maintain the waiver. It applies 0% foreign exchange conversion markup on overseas transactions, saving you the standard 1% fee that most banks charge when you spend in foreign currencies.
Whilst this card doesn't offer cashback or reward points, it's the simplest option in Hong Leong's portfolio. Perfect for occasional credit card users, students, or as a backup card for international travel.
Key Features:
- RM0 annual fee for life (no conditions)
- 0% foreign exchange conversion markup
- Up to 60 days interest-free period
- HLB Connect app management
Eligibility:
- Minimum income: RM24,000/year (RM2,000/month)
- Annual fee: Free for life
- Credit limit: From RM2,000
Eligibility Criteria
In general, the cardholders must be a minimum of 21 years old, and the Hong Leong Bank credit card minimum income differs for each card.
| APPLY FOR HONG LEONG BANK CREDIT CARD - ELIGIBILITY | |
|---|---|
| Age of Principal Cardholders | 21 - 65 years old |
| Age of Supplementary Cardholders | Minimum 18 years old |
| Nationality | Malaysian & Permanent Residents |
| Minimum Income (monthly)* |
|
*Please note that the minimum income requirement for expatriates might be different.
Required Documents to Apply
Here are the general documents that you have to prepare when you apply for a Hong Leong credit card:
SALARIED EMPLOYEE
- Latest 3 months' salary slips
- Latest EPF statement (at least 6 months' contribution)
- Latest Form BE (supported with tax payment receipt)
- Latest 3 months' bank statements or savings passbook
- Letter of employment
SELF-EMPLOYED
- Latest EPF statement (at least 6 months' contribution)
- Latest Form B (supported with tax payment receipt)
- Latest 6 months' bank statements or savings passbook
Frequently Asked Questions (FAQs)
1. What is the minimum credit limit of the Hong Leong Bank cards?
Entry-level cards (Wise, I'm, Essential, GSC Gold) start at a RM2,000 credit limit. Mid-tier cards like Sutera Platinum start at RM12,000. Visa Infinite cards start at RM45,000. The highest tier Visa Infinite P starts at RM100,000. Your actual limit depends on income and credit assessment.
2. How to increase the Hong Leong credit card limit?
Apply through the HLB Connect app or online banking after 6 months of consistent on-time payments. Hong Leong typically reviews limits annually and may increase automatically for responsible users. You can also request temporary limit increases for large purchases (travel, renovations) by calling the contact centre.
3. Do HLB Reward Points expire?
No. HLB Reward Points never expire as long as your credit card account remains active and in good standing. This differs from Malaysia Airlines Enrich Miles (18 months expiry) and many other loyalty programmes. Points forfeit 30 days after card closure.
4. Does the Hong Leong Wise Card have an annual fee waiver?
No. The Wise Card charges an RM98 annual fee with no waiver option, even with high spending. This differs from many competing cashback cards that waive fees with minimum annual spending. However, the 15% weekend dining cashback typically generates more than RM98 value for regular restaurant-goers.
5. Does Hong Leong accept balance transfers?
Yes. Transfer outstanding balances from other banks' credit cards to your Hong Leong card at preferential rates. Current offer: 0% one-time fee for 3-month tenure. Minimum transfer of RM1,000, maximum up to 80% of the available credit limit. Apply through HLB Connect or the contact centre.
Apply for a Hong Leong Credit Card
Credit card applications can be made online on RinggitPlus!
All you have to do is compare all the Hong Leong credit cards and apply online.
