Hong Leong GSC Platinum Credit Card
5 free movie tickets + permanent GSC discounts
Apply for Hong Leong GSC Platinum Credit Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Hong Leong GSC Platinum Credit Card overview
The Hong Leong Bank Hong Leong GSC Platinum Credit Card is a Platinum-tier Visa points card built around rewards points. 5 free movie tickets + permanent GSC discounts. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM300 (conditions apply).
Features & benefits
- ✓5 free movie tickets on approval
- ✓10% off GSC tickets, 30% off snacks
- ✓Up to 5x points on overseas spend
Is the Hong Leong GSC Platinum Credit Card worth it?
The Hong Leong GSC Platinum Credit Card is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (conditions apply)
- +Earns 1 reward point per RM1 spent
- −RM300 annual fee unless the waiver condition is met
- −Higher income requirement — RM60k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — Hong Leong Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Hong Leong GSC Platinum Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Excludes all government, JomPay and/or FPX transactions, cash advance, Balance Transfer, QuickCash/Flexi Payment Plan, QR Pay via the HLB Connect App, DuitNow AutoDebit, petrol transactions, and any HLB fees/charges. Base rate is 1x on other retail spend; 3x on GSC spend, overseas spend and e-commerce spend, plus an extra 1x on other retail spend once accumulated other-retail spend reaches RM1,000+ in a calendar month.
- How the cap works
- No numeric cap found on the 3x bonus categories in the T&C — only the exclusion list and the +1x monthly-accumulation bonus above.
- Foreign transaction fee
- No GSC-specific override found; HLB's general ~1% administration-fee guidance applies (same caveat as the Sutera Platinum entry — not a card-specific PDS figure).
- Fee waiver
- RM300 (principal) / RM150 (supplementary) annual fee waived with a minimum RM15,000 retail spend in the cardholder's anniversary year; government and JomPAY-related transactions count toward this spend total.
- ⚠Petrol transactions are explicitly excluded from earning points on this card.
Verified 30 August 2026. Summarised in our own words from Hong Leong Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Hong Leong GSC Platinum Credit Cardterms & product disclosure →Hong Leong GSC Platinum Credit Card FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). Hong Leong Bank also considers your overall credit standing.
The annual fee is RM300, but it can be waived: conditions apply.
It earns 1 reward point per RM1 spent. 5 free movie tickets + permanent GSC discounts.
No — the Hong Leong GSC Platinum Credit Card is a conventional credit card. Check with Hong Leong Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want rewards points — its main draw is "5 free movie tickets + permanent GSC discounts". Weigh the RM300 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Hong Leong Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Hong Leong Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.