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Instead, we’d like to recommend these cards for you.

AirAsia Gold (Visa)

AirAsia Gold (Visa)

Benefits

  • Earn BIG Points from daily spend and AirAsia flight bookings
  • Instant upgrade to Platinum Freedom Flyer status

Annual Fee

Min RM80 onwards

Income Requirement

24000

AirAsia Platinum (Visa)

AirAsia Platinum (Visa)

Benefits

  • Earn BIG Points from daily spend and AirAsia flight bookings
  • Instant upgrade to Platinum Freedom Flyer status

Annual Fee

Min RM80 onwards

Income Requirement

24000

Emirates HLB Platinum (Mastercard)

Emirates HLB Platinum (Mastercard)

Benefits

Complimentary flight to Europe in Business Class, Skywards Silver Status membership.

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Emirates HLB World (Mastercard)

Emirates HLB World (Mastercard)

Benefits

Complimentary flight to Europe in Business Class, Skywards Silver Status membership.

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Emirates HLB World Elite (Mastercard)

Emirates HLB World Elite (Mastercard)

Benefits

Complimentary flight to Europe in Business Class, Skywards Silver Status membership.

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Essential (Visa)

Essential (Visa)

Benefits

Get up to 1% unlimited cashback on insurance & other retail transactions with HLB Essential Credit Card! Low rate of interest.    

Annual Fee

RM100

Income Requirement

24000

GSC Gold (Visa)

GSC Gold (Visa)

Benefits

  • Welcome offer: new platinum cardholders (ntc) enjoy 10 movie tickets
  • Welcome offer: new gold cardholders (ntc) enjoy 5 movie tickets
  • Rm6 off on movie tickets purchased online
  • 30% off on any popcorn buckets, snacks and drinks purchased online

Annual Fee

  • Platinum: RM300 (Principal), RM150 (Supplementary)
  • Gold: RM150 (Principal), RM75 (Supplementary)

Income Requirement

24000

GSC Platinum (Visa)

GSC Platinum (Visa)

Benefits

  • Welcome offer: new platinum cardholders (ntc) enjoy 10 movie tickets
  • Welcome offer: new gold cardholders (ntc) enjoy 5 movie tickets
  • Rm6 off on movie tickets purchased online
  • 30% off on any popcorn buckets, snacks and drinks purchased online

Annual Fee

  • Platinum: RM300 (Principal), RM150 (Supplementary)
  • Gold: RM150 (Principal), RM75 (Supplementary)

Income Requirement

24000

I'm (Visa)

I'm (Visa)

Benefits

  • Annual Fee waived for life
  • 1% savings on Bank Mark-up on foreign currencies

Annual Fee

Annual Fee waived for life

Income Requirement

24000

Infinite (Visa)

Infinite (Visa)

Benefits

  • No annual fee
  •  Auto conversion to enrich miles monthly from as low as rm1.80 spend per enrich mile.
  • 4x complimentary plaza premium lounges access

Annual Fee

Waived for life

Income Requirement

150000

Sutera Platinum (Visa)

Sutera Platinum (Visa)

Benefits

  • Up to 8x reward points for popular Online Spend merchants, Groceries & Essentials (including selected convenience stores), Dining and Overseas
  • Travel insurance coverage up to RM1.7 million

Annual Fee

  • RM120 (Principal)
    RM60 (Supplementary)

Income Requirement

36000

WISE Gold (Visa)

WISE Gold (Visa)

Benefits

  • 8% cash back when you pay for Petrol, Groceries and Dining on Weekends
  • Unlimited 0.25% cash back on other transactions 

Annual Fee

  • RM98

Income Requirement

24000

Benefits

  • Earn BIG Points from daily spend and AirAsia flight bookings
  • Instant upgrade to Platinum Freedom Flyer status

Annual Fee

Min RM80 onwards

Income Requirement

24000

Benefits

  • Earn BIG Points from daily spend and AirAsia flight bookings
  • Instant upgrade to Platinum Freedom Flyer status

Annual Fee

Min RM80 onwards

Income Requirement

24000

Benefits

Complimentary flight to Europe in Business Class, Skywards Silver Status membership.

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Benefits

Complimentary flight to Europe in Business Class, Skywards Silver Status membership.

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Benefits

Complimentary flight to Europe in Business Class, Skywards Silver Status membership.

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Benefits

Get up to 1% unlimited cashback on insurance & other retail transactions with HLB Essential Credit Card! Low rate of interest.    

Annual Fee

RM100

Income Requirement

24000

Benefits

  • Welcome offer: new platinum cardholders (ntc) enjoy 10 movie tickets
  • Welcome offer: new gold cardholders (ntc) enjoy 5 movie tickets
  • Rm6 off on movie tickets purchased online
  • 30% off on any popcorn buckets, snacks and drinks purchased online

Annual Fee

  • Platinum: RM300 (Principal), RM150 (Supplementary)
  • Gold: RM150 (Principal), RM75 (Supplementary)

Income Requirement

24000

Benefits

  • Welcome offer: new platinum cardholders (ntc) enjoy 10 movie tickets
  • Welcome offer: new gold cardholders (ntc) enjoy 5 movie tickets
  • Rm6 off on movie tickets purchased online
  • 30% off on any popcorn buckets, snacks and drinks purchased online

Annual Fee

  • Platinum: RM300 (Principal), RM150 (Supplementary)
  • Gold: RM150 (Principal), RM75 (Supplementary)

Income Requirement

24000

Benefits

  • Annual Fee waived for life
  • 1% savings on Bank Mark-up on foreign currencies

Annual Fee

Annual Fee waived for life

Income Requirement

24000

Benefits

  • No annual fee
  •  Auto conversion to enrich miles monthly from as low as rm1.80 spend per enrich mile.
  • 4x complimentary plaza premium lounges access

Annual Fee

Waived for life

Income Requirement

150000

Benefits

  • Up to 8x reward points for popular Online Spend merchants, Groceries & Essentials (including selected convenience stores), Dining and Overseas
  • Travel insurance coverage up to RM1.7 million

Annual Fee

  • RM120 (Principal)
    RM60 (Supplementary)

Income Requirement

36000

Benefits

  • 8% cash back when you pay for Petrol, Groceries and Dining on Weekends
  • Unlimited 0.25% cash back on other transactions 

Annual Fee

  • RM98

Income Requirement

24000

Benefits

Annual Fee

Income Requirement

Benefits

Annual Fee

Income Requirement

Benefits

Annual Fee

Income Requirement