Best Hong Leong Bank Credit Cards in Malaysia 2025

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 a Hong Leong Credit Card

Hong Leong Bank offers a variety of credit cards in Malaysia to suit different needs — from high cashback and attractive rewards to travel perks and zero annual fees.

Here are the most common features and benefits of Hong Leong credit cards:

Up to 15% Cashback

The Hong Leong Wise Credit Card offers up to 15% cashback on your chosen categories, including petrol, groceries, dining, utilities, online spend, and eWallet reloads.

Plus, enjoy 0.2% unlimited cashback on all other retail purchases — including insurance and overseas transactions.

Travel Perks with Lounge Access

The Hong Leong Visa Infinite Card and Hong Leong Visa Infinite P Card are ideal for travellers. You’ll earn Enrich Points (Malaysia Airlines loyalty points) and enjoy up to 4X complimentary access to participating Plaza Premium Lounges in Malaysia and Singapore.

These cards also offer travel insurance coverage up to RM2 million when you charge your full airfare to the card, covering travel mishaps like lost luggage or missed connections

Earn Rewards Points

The Hong Leong Sutera Platinum Credit Card gives you up to 8X HLB Reward Points, which can be redeemed for travel, shopping vouchers, gadgets, and more.

Other cards like the GSC - Hong Leong Platinum Visa Card also reward you with discounts and benefits tailored to lifestyle needs — such as movie ticket perks and priority bookings.

Flexible Instalment Plans

Don’t let big purchases overwhelm your budget. With the Hong Leong Flexi Payment Plan, you can convert transactions above RM500 into monthly instalments of up to 36 months.

Rates start from as low as 1.88% p.a., and you can apply easily via HLB Connect online banking.

Balance Transfer Plan

Enjoy 0% one-time fee for a 3-month tenure if you need to manage high-interest credit card debt. Hong Leong Balance Transfer Plan allows you to transfer outstanding balances from other banks to your HLB credit card.

It’s an easy way to reduce your financial burden and take control of your repayments — especially if you're looking for a lower monthly commitment and a cleaner financial reset.

Zero Annual Fees and Full Digital Control

Many Hong Leong Bank credit cards come with no annual fee for life or fee waivers with minimum spend — helping you save in the long run. 

All cards are supported by HLB Connect, letting you track transactions, pay bills, redeem rewards, and manage your account securely from your phone or desktop.

Hong Leong Bank Credit Card Online Application & Minimum Income

Thinking about how to apply for a Hong Leong Bank credit card? Worry not as you can apply it online!

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.

*Please note that the minimum income requirement for expatriates might be different.

Documents to Apply for a Hong Leong Credit Card

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

Top 4 Best Hong Leong Bank Credit Cards in 2025:

Are you a movie-goer? A jet-setter businessman? An avid traveller who’s always up for gastronomical adventures? 

Or perhaps, you’re a conscious spender who wants to maximise your Hong Leong Bank credit card cashback and rewards?

Compare the best Hong Leong Bank credit card for you and apply online without paying any administration fee!

1. Hong Leong WISE Credit Card - The Best Hong Leong Cashback Credit Card

No matter what your selected petrol brand is, you can always get 10% cashback on petrol expenses. You’re eligible to apply if your min. annual income is RM24,000.

2. GSC - Hong Leong Gold Visa Credit Card

Get 5X free movie tickets upon your Hong Leong GSC credit card approval. Save more with a 30% discount on popcorn, snacks and drinks and RM6 off on an adult movie ticket.

3. Hong Leong Essential Credit Card

The ultimate cashback credit card that lets you enjoy great cashback on insurance and other retail purchases. The more you spend, the more you earn!

4. Hong Leong Visa Infinite Credit Card - The Best Hong Leong Travel Credit Card

Enjoy 4X complimentary access to Plaza Premium Lounge in Malaysia and Singapore, plus comprehensive travel insurance. 24/7 assistance on reservations and bookings with this Hong Leong travel credit card.

What is the minimum credit limit of the Hong Leong Bank credit card?

The minimum credit limit of the Hong Leong Bank credit card starts from RM2,000 to RM100,000 as per the table below.

Hong Leong travel credit card rewards

Here are the types of rewards of Hong Leong travel credit cards:

MAS Enrich Miles

Card type: Hong Leong Visa Infinite, Hong Leong Visa Infinite P

• Every RM3.50 Local retail transaction = 1 mile
• Every RM2.20 Overseas retail transaction = 1 mile