Spend RM1000/month on 3 categories and get back RM98/month nett (in average), less Annual Fee RM160 and ST RM25.
So spend RM12,000 to get RM991... 8.3%, Quite good!

Charge RM1000 to Bigpay and Boost then withdraw with a service charge of RM6/2. It is meaningless to say this quasi-cash transaction I can enjoy better rebate rate if I use other credit cards.
So I just need to spend another RM1000 only.

I am paying electricity RM1000 every month...
HLB Wise - RM98 rebate (RM83 after adjustment)
PB VS+WM - RM60
M2 Amex - RM50+(RM2 TP)

Which one is the best?

R u tried before and under mobile category? Sure or not ?
If yes. Too late to inform here.

anyone successful to waive SST? my supp card kena, live chat with CS, doesn't allow to waive. haizzzz......

Unlikely. They said the reason to increase the annual fee 1-2 years ago is to keep the program going. If can waive, then no need to increase in the first place. Where to find so much money to give such a high cash back woh

Enjoy up to 18x Reward Points / 3 Enrich Miles / 10% Cash Back [ HLB ]
01 NOVEMBER 2018-31 DECEMBER 2018

It doesn’t matter where you’re going, it’s which card you bring along with you. Your Hong Leong Cards reward you every single time you spend in foreign currency! Need we say more?



Terms and Conditions:
Transaction must be made using the above-mentioned Hong Leong Credit Cards issued in Malaysia.
Campaign Period is from 1 November 2018 – 31 December 2018.
The offers are applicable for retail transactions (including online) in foreign currency (excluding dynamic currency conversion) for the card types stated above.
The Reward Points giveaways are capped at 200 million throughout the Campaign Period; on a first-come, first-served basis (monthly capping is 100 million Reward Points each month).
The Cash Back giveaways are capped at RM500,000 throughout the Campaign Period; on a first-come, first-served basis (monthly capping is RM250,000 Cash Back each month and capped at RM100 per Principal Credit Cardholder throughout the Campaign Period).
The Enrich Miles giveaways are capped at 11.7 million throughout Campaign Period; on a first-come, first-served basis (monthly capping is 5.85 million Enrich Miles each month).
Fulfilment will be performed within eight (8) weeks after the Campaign Period.
Picture shown is for illustration purposes only.

It is a good CC, not difficult to earn back RM25 in 1 year,  especially in July (Digital Day)!

Hong Leong Bank and Emirates Skywards Partner to Launch Emirates HLB Cards


Dr Nejib Ben Khedher, Senior Vice President, Emirates Skywards, Domenic Fuda, HLB Group Managing Director and Chief Executive Officer and Perry Ong, Country Manager, Malaysia and Brunei, Mastercard during the launch of Emirates HLB Mastercard cards in Kuala Lumpur recently.

· Daily spends on Emirates HLB cards earn Skywards Miles redeemable for flight rewards on Emirates and partner airlines
· Welcome bonus of up to 10,000 Skywards Miles
· Attractive benefits including first year anniversary bonus rewards, complimentary Emirates Lounge access, airport transfers and golf privileges

Kuala Lumpur, 2 May 2019

Hong Leong Bank Berhad (“HLB” or “the Bank”), one of Malaysia’s leading financial service organisations and Emirates Skywards, the award-winning loyalty programme of Emirates and flydubai, have launched a new range of co-branded credit cards for customers in Malaysia. The Emirates HLB cards were launched in Kuala Lumpur by Domenic Fuda, Hong Leong Bank Group Managing Director and Chief Executive Officer, Dr Nejib Ben Khedher, Senior Vice President, Emirates Skywards and Perry Ong, Country Manager, Malaysia and Brunei, Mastercard.

The Emirates HLB card portfolio comprises three variants - the Emirates HLB World Elite, the Emirates HLB World and the Emirates HLB Platinum card- and is designed to offer a host of exclusive benefits to customers with diverse requirements and interests. The credit cards will be supported by network provider Mastercard.

Emirates HLB card holders can hit the ground running with a sign on bonus of up to 10,000 Skywards Miles after their first spend and can also earn Miles at a higher rate when purchasing flight tickets directly with Emirates and on any eligible international spends.

Emirates HLB World Elite and World card customers will also be offered complimentary access to the Emirates Lounge in Kuala Lumpur and Dubai and Emirates Skywards Silver membership for one year, unlocking exclusive perks such as priority check-in, boarding and additional checked baggage allowance on Emirates flights. Subject to minimum spend criteria, World Elite and World customers will also be eligible to receive up to 160,000 bonus Skywards Miles which can be redeemed for a Business Class return ticket on Emirates between Kuala Lumpur and Europe.

According to HLB Group Managing Director and Chief Executive Officer Domenic Fuda, the partnership with Emirates Skywards is part of the Bank’s strategy to accelerate the growth of its payments’ business, leveraging on the growing travel segment in Malaysia.



Some of the unique benefits that customers can access with their Emirates HLB cards include:

Earning Skywards Miles for transactions at the rate of up to 2.5 Miles per MYR 4 spent
Welcome bonus of up to 10,000 Skywards Miles
First anniversary Skywards Miles bonus of up to 160,000 Miles upon meeting a minimum spend criteria. The bonus Miles can be redeemed for a return Emirates Business Class ticket from Kuala Lumpur to European destinations
Emirates Skywards Silver membership for one year
Complimentary access to Emirates Lounges in Kuala Lumpur and Dubai
Complimentary airport transfers in Malaysia and golf access privileges globally

Customers can visit https://www.hlb.com.my/emirates for more information on the Emirates HLB cards and details on card application.

can, i ask in the mail function inside online banking two months ago

How about annual fee?