i just got the RM1800 rebate on last month and now my real cash got over RM2300 on the very first year~ at first thought the yearly accumulative is based on 1 Jan to 31 Dec because i received the yearly summary on Dec statement and wasted the expenditure from Sep to Dec 2015 but luckily they gave me the RM1800 payout on Sep 2016 statement and the yearly total expenses is based on the starting date of my credit card~ Thank you Hong Leong Bank for having the very best credit card in the world with an approximately 1.96% cash back on my other expenses excluding petrol, dining, grocery and online purchasing~

yup, especially in a year whereby i need to buy a lot of home appliances for my new house~ 2% extra cash is a lot as compare to essential 1% and others credit card 0.3%

i keep inside it because it won't expire and the interest rate is higher than in savings account. it's according to prevailing 3 month FD

At first i thought it calculate until Dec of each year because there is a summary in Dec statement, however, i continue doing my own calculation and the real cash bonus RM1800 is credit on the anniversary month when you got your first spending on the card.
It's better you keep track yourself because you can judge whether you can achieve from RM68k to RM108k if the remaining month is enough for you to do so or not.
If can't you can spend on others card such as Essential to get more percentage of CB.

https://www.hlb.com.my/en/personal-banking/...8-dec-2018.html

official statement from Hong Leong and it doesn't mention anything about till card expired.

I'm wondering whether they are coming out with a new design or not cos i can see the picture of the Fortune Card changed in my Connect acc, last time black and now silver...


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Oh ya, it shows black as well in the apps, but website is silve without Fortune word.
Anyway hope they come out with a solution for existing customer when card expired.

but what if you still got installment with the card, what will happen if they closed the account if you still owe them money?

i know what i'm going to do next, one month before my card expired, i will do the 12 month 0% installment and see how lol

This post has been edited by tan_aniki: May 6 2019, 10:51 AM

let's see how cos i only got fortune card in hlb, no others cc

Insider information from my friend working at HLB

Existing cardholder can still continue to spend with fortune card and enjoy cash back as per BAU

Request for card replacement

So when ur card going to expired and no new replacement sending over can request for card replacement and bank got no right to cancel ur card until u request to cancel.

This is what my friend told me.

i think so, but i'm asking them about the fortune

1st statement is your 1st month spending, so next annual retail spending is from 28 June 2019 to 27 June 2020. Don't confuse with the December calculation, that's not the annual spending calculation. If possible make ur own excel spreadsheet to do manual calculation.

It should come together with your 12th statement. Remember those installment plan figure is not counted for the annual total spending.

Sorry, I just check my history it appear that the annual real cash is given on 13th statement but the total spending still depends on your 1st - 12th statement total spending.

See the attached for more information.



This post has been edited by tan_aniki: Jul 2 2019, 06:14 AM


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u can check with CS but i already got my statement since 2015 and i do my manual calculation every month and match their summary on Dec statement

Guys, ready for 7/7 Digital Day~

RM700 cash back, camping on 11.59pm 6/7 for more details, should be something similar like last year

erm... i think only for new to bank customer...
https://www.hlb.com.my/en/personal-banking/...e-banner-dd2019

camping for the RM7 X 7 X 24 = RM1,176 CB, can't sleep well for the whole week lol

This post has been edited by tan_aniki: Jul 3 2019, 11:25 AM

Long time no park here...

Sorry but to say that before expire they will send you a replacement card for existing customer and Hong Leong Bank didn't ever said enjoy the benefit "until expiry"...

They only mentioned:
Existing Hong Leong Fortune Credit Cardholders can continue using it and enjoy the benefits.

I have also asked my relative work in Hong Leong and she said no such thing that bank will cancel your card beyond card expiry...

i have checked my statement for the past three years and the month they credit the yearly bonus is the first month of a new cycle year
means when you got your yearly bonus on Sep statement, means the cycle of the calculation is from Sep to Aug
anyway i start using this card on July 2016 and my first statement is on Aug 2016 and the first yearly bonus credit on Sep 2017 and the same as 2018 and 2019.


This post has been edited by tan_aniki: Sep 29 2019, 10:01 PM


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wrong thread

This post has been edited by tan_aniki: Nov 11 2019, 02:12 PM

applied essential supp and the CS call me back for verification.
i asked them whether they will send me renew Fortune cc and supp card before expiry date and she told me will send one month before expiry, if less than 2 weeks still didn't receive just call them.
so what my sis in law who work in hlb said is true, the fortune will continue for existing customer even though discontinued for new customer.

hopefully no la, they want keep existing customer happy while not letting new customer to abuse their real cash system