Hong Leong Sutera Platinum Credit Card
8x points on online, groceries, dining & overseas
Apply for Hong Leong Sutera Platinum Credit Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Hong Leong Sutera Platinum Credit Card overview
The Hong Leong Bank Hong Leong Sutera Platinum Credit Card is a Platinum-tier Visa points card built around rewards points. 8x points on online, groceries, dining & overseas. It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It has an annual fee of RM120 (conditions apply).
Features & benefits
- ✓8x reward points on online, groceries, dining & overseas
- ✓0% Flexi Payment Plan up to 36 months
- ✓0% balance transfer for 6 months
Is the Hong Leong Sutera Platinum Credit Card worth it?
The Hong Leong Sutera Platinum Credit Card is best suited to middle-income earners — its minimum income requirement is RM36,000 a year (about RM3,000 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 8 reward points per RM1 spent
- −RM120 annual fee unless the waiver condition is met
- −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 8 points per RM1, around RM2,000 of monthly spending earns about 16,000 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 Sutera Platinum Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Excludes cash withdrawals; JomPay and government-related transactions; FPX transactions; Balance Transfer/QuickCash/Flexi Payment Plan; card protection plan fees; refunded/disputed/unsuccessful/reversed/unauthorised/fraudulent transactions; QR Pay via the HLB Connect App; service/miscellaneous fees; and DuitNow AutoDebit.
- How the cap works
- No cap found in the T&C on the 8x bonus-category points (online, groceries, dining, overseas) beyond the exclusion list above; base rate is 1x on other eligible retail spend.
- Foreign transaction fee
- ~1% administration fee per transaction in the currency of purchase, per HLB's general credit-card fees guidance (not card-specific PDS wording).
- Fee waiver
- Waived with a minimum RM15,000 retail spend in the cardholder's anniversary year (principal and supplementary calculated individually); government and JomPAY-related transactions count toward this spend total.
- ⚠HLB Reward Points expire 3 years from the date first earned and are automatically cancelled without notification once expired.
- ⚠No grace period to redeem points at card termination/cancellation — all points must be redeemed before the card is closed.
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 Sutera Platinum Credit Cardterms & product disclosure →Hong Leong Sutera Platinum Credit Card FAQ
You need a minimum annual income of RM36,000 (about RM3,000 a month). Hong Leong Bank also considers your overall credit standing.
The annual fee is RM120, but it can be waived: conditions apply.
It earns 8 reward points per RM1 spent. 8x points on online, groceries, dining & overseas.
No — the Hong Leong Sutera 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 middle-income earners who want rewards points — its main draw is "8x points on online, groceries, dining & overseas". Weigh the RM120 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Hong Leong Sutera Platinum Credit Card compares
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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.