Hong Leong Sutera Platinum Credit Card
8x points on online, groceries, dining & overseas
Apply for Hong Leong Sutera Platinum Credit Card →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Hong Leong Bank 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
Before you apply, read Hong Leong Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 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.