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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

Emirates HLB Platinum

Benefits

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

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Emirates HLB World (MC)

Emirates HLB World (MC)

Benefits

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

Annual Fee

Minimum RM250 onwards

Income Requirement

60000

Emirates HLB World Elite (MC)

Emirates HLB World Elite (MC)

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 (MasterCard)

I'm  (MasterCard)

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

Infinite

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

Pacific Gold (MasterCard)

Pacific Gold (MasterCard)

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

Pacific Platinum (MasterCard)

Pacific Platinum (MasterCard)

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

Sutera Platinum (Master)

Sutera Platinum (Master)

Benefits

  • Up to 6x reward points (spend in overseas)
  • Complimentary access to plaza premium lounges for the 1st 250 hlb sutera cardholders per month
  • ravel insurance coverage up to rm1.7 million

Annual Fee

  • RM400 (Principal)
  • RM200 (Supplementary)

Income Requirement

60000

Sutera Platinum (Visa)

Sutera Platinum (Visa)

Benefits

  • Up to 6x reward points (spend in overseas)
  • Complimentary access to plaza premium lounges for the 1st 250 hlb sutera cardholders per month
  • ravel insurance coverage up to rm1.7 million

Annual Fee

  • RM400 (Principal)
  • RM200 (Supplementary)

Income Requirement

60000

The Store Gold (MasterCard)

The Store Gold (MasterCard)

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

The Store Platinum (MasterCard)

The Store Platinum (MasterCard)

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

WISE Gold (VISA)

WISE Gold (VISA)

Benefits

  • 10% cash back year round on your chosen categories all year round
  • Highest cash back of up to RM100    

Annual Fee

  • RM300 (Platinum)
  • RM250 (Gold)    

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

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

Benefits

  • Up to 6x reward points (spend in overseas)
  • Complimentary access to plaza premium lounges for the 1st 250 hlb sutera cardholders per month
  • ravel insurance coverage up to rm1.7 million

Annual Fee

  • RM400 (Principal)
  • RM200 (Supplementary)

Income Requirement

60000

Benefits

  • Up to 6x reward points (spend in overseas)
  • Complimentary access to plaza premium lounges for the 1st 250 hlb sutera cardholders per month
  • ravel insurance coverage up to rm1.7 million

Annual Fee

  • RM400 (Principal)
  • RM200 (Supplementary)

Income Requirement

60000

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

Benefits

  • 6% Cash Back on spends above RM1,500 at The Store & Pacific
  • 3% Cash Back on spends RM1,500 and below at The Store & Pacific
  • 0.5% Cash Back on all other spends except spends at The Store & Pacific    

Annual Fee

 

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

 

Income Requirement

24000

Benefits

  • 10% cash back year round on your chosen categories all year round
  • Highest cash back of up to RM100    

Annual Fee

  • RM300 (Platinum)
  • RM250 (Gold)    

Income Requirement

24000

Benefits

Annual Fee

Income Requirement