Hong Leong · Visa · Miles

HLB Sutera Platinum

Good for

8X is worth about 1 Enrich mile per RM3, since 24,000 points convert to 1,000 Enrich miles.
Other spend earns 1X, about 0.04 Enrich miles per RM1.
Government, JomPAY, FPX and HLB Connect QR payments earn no points.

HLB Reward Points, per RM spent, and the miles they make in Enrich.

Spending	Earns	Details
Streaming and games, Shopee and Lazada, Food delivery and more online	8 points per RM	0.33 miles per RM.
Groceries and Health / pharmacy	8 points per RM	0.33 miles per RM.
Dining and Food delivery	8 points per RM	0.33 miles per RM.
Spending in a foreign currency	8 points per RM	0.33 miles per RM.
Everything else	1 point per RM	0.04 miles per RM.
Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers	Nothing

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM120 Free the first year.
Extra (supplementary) cards: RM60 a year Free if that card spends RM15,000 in its card year. The first year is free if it makes one purchase within 60 days. The RM25 service tax still applies.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus all instalments, the tax, any amount over your limit and any unpaid past minimum.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: 5% fee, at least RM20 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out.
Replacement card: RM50

Income: RM36,000 a year or more
Age: 21 to 65 Extra cardholders from 18.
Documents: MyKad copy (both sides). Non-Malaysians: a passport valid for at least 6 more months
Employees: latest EPF statement with at least 6 months of contributions, or latest 3 months' computer-printed payslips
Employees outside a multinational company also need one of: latest BE form with tax receipt, latest EA form, or 3 months of bank statements showing your salary
Self-employed: latest business registration form, plus your latest B form with tax receipt or 6 months of company bank statements
Expatriates: latest 3 months' payslips, plus a work permit valid for at least 6 months or an employment letter dated in the last 3 months
You send these once the bank approves your application in principle.

Pay by phone: Apple Pay, Google Pay, Samsung Pay Add it in the HLB Connect app.
Card network: Visa