Just to point out that my newly approved Mach card is sharing limit with my Wise card and Essential card.

The RM100 instant cashback sure is instant. I swiped on 30th April at BarBQ Plaza and it got posted on the same day since they are using HLB terminal. So what I got this morning are the RM100 cash back and the dining rebate

This post has been edited by kelvinlzy: May 2 2015, 11:55 AM

Unlike Aeon Watami, Mach card's rebate is credited every month. You would need to monitor your total spending otherwise you might overspend. But they have made it easier for us by letting us know how much is the rebate per month. Just make sure all 3 months' rebate are added up to RM100 will do

This post has been edited by kelvinlzy: May 2 2015, 02:12 PM

I thought you just said your limit is shared? Then there is no card A and card B limits anymore right?

But I have noticed that when I have quite a huge amount of outstanding balance on my Essential card, the available limit for this card will be lower than my Wise card, even though they shared the limit.

For your case is correct. Your Mach card is riding on your Essential card limit. I wonder if your Mach card can swipe over 5K anot?

My case is simple, all the card limits are the same so whenever I swipe, all my card limits will go down.

I thought you can obtain this card within 1-2 hours? Or you applied and cancelled this card before? Then you will need to go through the manual process which takes about 1 week to approve and another week to receive the card.

Your case is exactly the same as mine. I terminated my card back in 2014 and went to Mid Valley during a Sunday to reapply, then problems occurred; I am an existing HLB card holder, so the application will be considered as adding another card. So they told me I can't get the card on the spot because need to have HLB credit card department to check on my payment history etc only can decide on the approval of the card. But they are closed on Sunday so need to wait till Monday. I said fine, just proceed with the application. After printing the EPF form, submitted the application form online and received SMS stating my application has been received, the agent went to check with the system, they said I already submitted the application form back in 2013, if submit again will become duplicate application. So they cancel my application, and asked me to fill in the form manually (hard copy). At the end it took me 2 weeks to get the card. Nevertheless I got the RM100 instant cash rebate the next day together with the 5% dining cash back

For Mach card, annual fee is waived with 12 swipes per year.

As long as you swipe your card 3 times on weekday, any amount will do. Weekend cash back is fcfs. So your 20k will be swiped on Friday to achieve the 3x transaction? Not worth it bro..

Meaning your card was not cancelled actually, just deactivated only.

RM1. I went to the branch to submit the form for each of my HLB CC.

Well, got conned again by HLB. Went to Zara Mid Valley to buy some clothes last week. Ended up swiped for RM120 for a sweater. Received the statement today and shocked to see it was categorized under retail tranx. My selected package is trendsetter which includes dining, travel and style. Called up CS, she replied that the transaction was tagged to accessories instead of clothing. I told her I still have the receipt proving that I bought a sweater, but during that time there was only 1 counter opened so maybe that is the accessory counter I supposed? But I was shocked that T&C didn't mention anything about accessories MCC or clothing MCC, how on earth are we consumers supposed to know that? Long story short, CS will investigate for me but the chances of getting the rebate back is very slim.

Not to mention that my dining transaction at DePastry Setapak was not categorized as dining while DePastry Menjalara is?! Really fed up with this situation already. So guys and girls, you have been warned.

This post has been edited by kelvinlzy: Aug 3 2015, 04:22 PM

This is what I called False Advertising. They didn't even show the MCC code you have to obtain from the transactions at Zara. Look at the T&C under Style description: https://www.machbyhongleongbank.com/product...ch-credit-card/ and see for yourself. And now they are saying you need to have this MCC code to eligible for the cash back? Just what?

Even Starbucks logo is still shown under dining category in their brochures. Funny thing is, now that you have mentioned it, all these dining places I went and were not categorized under dining is categorized under 5499 Manual Feed, yeah the system wants you to manually feed it, to tell it whether or not the transactions fall under dining category.

Lol I am wondering how many of Mach card holders actually chose dining category?

All right, these are the dining places that were not considered as dining:

1. Starbucks Tesco Kepong Village
2. Starbucks Jusco Metro Prima
3. Starbucks IPC
4. Six Inch Cafe Kepong
5. Brussels Beer Cafe Jaya One
6. Tai Thong Odeon Kepong

I mentioned before that my Starbucks transactions fall under MCC 5499, manual feed. You guys might want to double confirm with CS for that.

Yeah that works too. 3 cards came to my mind: PB Visa Sig, CIMB CR & UOB Vox.

Well, I might use UOB Vox to pay for TM bills every month so it is annual fee free for me too

I thought all the while all Mach outlets offer on-the-spot approval for new-to-bank customers?

Mine at Sunway Giza, more than 2 years back

Me! Received 12pm today.