double also ok mar.. groceries get 4%.. easily achieve RM100 cashback.. =D

That's what we call "insincere" promo by HLB (what's new ?... think Fortune Card)
If it were 2% grocery and RM200 cashback...then "genuine" offer.
Now you tell me which is a BETTER deal ?

This post has been edited by ronnie: Aug 28 2012, 11:10 PM

Depends on how much u spend actually. No right or wrong.
if I spend 10k on groceries in 3 months then yes I will say its unfair.
if I spend around 2.5 then I would say its a bargain.

that's why HLB is short-sighted...
If you open the opportunity to Customers to spend RM10k, they would to capitalise on the promo.... eg. buy vouchers for later usage.

HLB not short sighted lah, it's a marketing tool to attract new sign up and not to benefit big spenders like you where they'll be losing money

Bro, are you willing to buy RM10K groceries voucher and keep it for later use? RM1K maybe lah, but RM10K, I prefer to keep CASH than vouchers.

Point well taken.... keeping RM10k in FD is better use of the money. (unless the rebate is >5%)

Ronnie.. i admire you for spending 10k on groceries.. =/
i cant even spend 10k on food..

ya not that attractive leh

Why not bro..

10% dining cashback not enough?
highest in the market with 2x.

I was at Giant Kelana Jaya and they have some mach promoters giving cash back on the spot! I spent nearly RM200 for my weekly grocery, they asked for my receipt and they gave me RM8 in cash!

I'm not a mach customer and I actually used another bank's credit card to pay then, but they told me they are trying to create awareness about their double cash back. Apparently these promoters are going to go around Klang Valley in different areas to give cash out. Haha, I told them I want to follow them whereever they go!

Anyhow, thanks for posting up the information about the credit card. 10% for dining sounds very good to me, cos I eat out all the time.

Hi ts, i see 1 of ur post mention mach by hlb branch only sell mach cc?i thought got car loan and p.loan?would like to know if the car loan got 1 hour or 1 day approval?sry..Off topic. Just curious

It does offer hire purchase as well as personal loan.

Yes mach branches also serve hire purchase and p.loan
have pm you. Thanks

This is not Garage Section. Please note you are not allowed to PM anyone without their invitation.

still not used to forum rules.. noted with thanks =D

Just applied MACH card from Paradigm mall, they told me existing HLB card holder able to waived the 1st year annual fee and get RM50 to off set the GST too but with condition.

After swipe 12 times, call CS and they will waived for you. ANy HLB staff can double confirm this?

This is good news for me..... can jonjack88 confirm this ?
If true, I will apply ASAP.

may i know the PFC's name??

PFC mean?

Personal Finance Consultant