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Earn Skyward Miles on daily spend and complimentary flight to Europe in Business Class with this air miles credit card.
Access to your Card's privileges

Complimentary airport transfer

Complimentary golf privileges worldwide

Complimentary global medical & travel insurance (World & Platinum only)

Complimentary global medical & travel insurance (World Elite) + retail insurance

Travel & lifestyle concierge service (World Elite only)

Travel & lifestyle services (World & Platinum only)

Additional airport experiences


- *Miles required may fluctuate from time to time.
- **The Business Saver return flight ticket and the location selected are subject to availability.



(automatic conversion)
Emirates Spend | RM4 = 2.5 Skywards Miles |
Overseas Spend (non-MYR) | RM4 = 1.75 Skywards Miles |
Local Spend (in MYR) | RM4 = 1 Skywards Miles |

(automatic upgrade with no spend criteria)
- • Access to Emirates Lounge at Dubai International Airports
- • 25% bonus Skywards Miles on Emirates flights
- • Additional 12kg check-in luggage allowance
- • Priority check-in


- Enjoy automatic coverage for Medical and Travel Accident which are underwritten by AIG Malaysia Insurance Bhd for the following coverage:
- Travel Medical up to USD500,000
- Travel Accident up to USD500,000
- Trip Inconvenience up to USD7,500

- Enjoy automatic coverage for Purchase Protection which is underwritten by AIG Malaysia Insurance Bhd for the following coverage
- • Purchase Protection up to USD20,000
- • Extended Warranty up to USD2,000
- • E-Commerce Purchase Protection up to USD1,000
- • Wallet Guard up to USD500




- Enjoy personal services like dinner reservation, ticket bookings, locating hard-to-find items, buying and delivering gifts and coordinating business-related arrangement with Mastercard Concierge Services
- List of available services:
- • Mastercard Concierge Services
- • Luxury Hotel & Resorts
- • Cruise
- • Car Rental
- • Flight
- • Private Jet
- • Hotel stay Guarantee
- • Epicurean Experience
- • Lifestyle Enquirer
- • Concert Tickers Requests
- • Airport Concierge

- • Complimentary membership to more than 1,000 lounges over 500 airports worldwide, as well as dining, spa and retail offers from selected airport merchants regardless of airlines, frequent flyer membership or class tickets.
- • Complimentary 1x airport lounge access per year. Lounge visit fee will be applicable for Eligible Cardholder visit in excess of the entitlement and for all guest visits. Effective from 1 October 2019, LoungeKey will update the visit fee from USD 27 per person, per visit to USD 32 per person, per visit.


- *Miles required may fluctuate from time to time.
- **The Economy Saver return flight ticket and the location selected are subject to availability.



Emirates Spend | RM4 = 2 Skywards Miles |
Overseas Spend (non-MYR) | RM4 = 1.5 Skywards Miles |
Local Spend (in MYR) | RM4 = 1 Skywards Miles |

- • Access to Emirates Lounge at Dubai International Airports
- • 25% bonus Skywards Miles on Emirates flights
- • Additional 12kg check-in luggage allowace
- • Priority check-in


- Enjoy automatic coverage for Medical and Travel Accident which are underwritten by MSIG Insurance (Malaysia) Bhd for the following coverage:
- • Travel Medical up to RM85,000
- • Travel Accident up to RM3,000,000
- • Personal and Family Trip Inconvenience up to RM24,000

- Enjoy automatic coverage for Purchase Protection which is underwritten by AIG Malaysia Insurance Bhd for the following coverage:
- • E-Commerce Purchase Protection up to USD200
- • Wallet Guard up to USD100




- Indulge in a broad range of local and global experiences across dining, travel, retail and entertainment
- List of available services:
- • Luxury Hotel & Resorts
- • Cruise
- • Car Rental
- • Flight
- • Hotel Stay Guarantee




Emirates Spend: | RM4 = 1.5 Skywards Miles |
Overseas Spend (non-MYR): | RM4 = 1.25 Skywards Miles |
Local Spend (in MYR): | RM4 = 0.5 Skywards Miles |

- Enjoy automatic coverage for Medical and Travel Accident which are underwritten by MSIG Insurance (Malaysia )Bhd for the following coverage:
- • Travel Medical up to RM40,000
- • Travel Accident up to RM1,500,000
- • Personal and Family Trip inconvenience up to RM12,000





• Hotel Stay Guarantee
Card Type | Age | Minimum Annual Income | Minimum Fixed Deposit Pledge |
---|---|---|---|
Emirates HLB World Elite | 21 – 65 years old | RM250,000 | RM50,000 |
Emirates HLB World | 21 – 65 years old | RM90,000 | RM20,000 |
Emirates HLB Platinum | 21 – 65 years old | RM60,000 | RM12,000 |
Card Type | Principal | Supplementary |
---|---|---|
Annual Fee* | Annual Fee* | |
Emirates HLB World Elite |
RM2,500 per Card Anniversary. |
Waived |
Emirates HLB World |
RM1,200 per Card Anniversary. |
Waived |
Emirates HLB Platinum |
RM250 per Card Anniversary. Annual Fee is waived upon meeting a total Retail Transaction of RM50,000 within Card Anniversary in the preceding year. |
Waived |
*Subject to Government Tax, if applicable
Click here for the list of fees and charges, or visit any of our branches for further information.