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Credit Cards MACH by Hong Leong Bank Credit Card, The card that reflects your Lifestyle

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fruitie
post Feb 2 2017, 12:35 PM

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Didn't expect a Club house to have it under dining. laugh.gif
Already got RM 49 cash back... 2 more months and I hope it's enough for me.
fruitie
post Feb 5 2017, 12:26 PM

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QUOTE(sj0217 @ Feb 5 2017, 08:47 AM)
1. Yes, you can refer first page the list under dining
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Correction. First page/post has no dining list. It only lists out those not eligible.
fruitie
post Feb 5 2017, 05:53 PM

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QUOTE(kelvinlzy @ Feb 5 2017, 05:48 PM)
Ya. Have to look at the title first otherwise might accidentally think that the list is eligible sweat.gif
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Yes, this tests readers. icon_idea.gif
fruitie
post Feb 10 2017, 04:29 PM

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QUOTE(mastedo @ Feb 10 2017, 04:21 PM)
Sorry my English bit poor.
Means 3 card total only need 12 swipes
Not each card need 12 swipes = 36 swipes right?
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Each card needs 12 swipes. Even if you swipe 36x on a same card will not waive AF for the remaining two cards.
Simple English, swipe 12x for every HLB card.
fruitie
post Feb 22 2017, 05:10 PM

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QUOTE(OKLY @ Feb 22 2017, 02:17 PM)
Does Hong Leong automatically offer to increase credit limit once in a while?
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Nope in my case, although I have used the card for 2 years but still no sign of CL increase.
Not an issue for me because I only swipe for dining and the CL given to me is more than enough for me to maximize cash back. laugh.gif
fruitie
post Mar 6 2017, 03:04 PM

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QUOTE(extinct_83 @ Mar 6 2017, 02:30 PM)
Can anyone advise - if I got rejected by SCB yesterday - how long to wait to apply this card again?
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CCRIS no issue? Check your CCRIS first before applying other cards to avoid being rejected.
fruitie
post Mar 6 2017, 04:07 PM

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QUOTE(-kytz- @ Mar 6 2017, 03:22 PM)
Did I just win RM100? lol

[attachmentid=8557734]
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Yes.

QUOTE(extinct_83 @ Mar 6 2017, 03:25 PM)
I got my Maybank Ikhwan Card approved last month - is it because applying too many card in one year.
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hmm.gif Not really. I did have a few CCs approved at the same time.
You can try again with HLB since SCB and HLB are different banks but they can see your rejected application.
fruitie
post Mar 6 2017, 09:37 PM

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QUOTE(extinct_83 @ Mar 6 2017, 09:33 PM)
Thanks Fruitie. Do you mean that I can try now or wait for a month or so?
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You can try now if you want.
fruitie
post Mar 7 2017, 04:07 PM

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QUOTE(extinct_83 @ Mar 7 2017, 03:55 PM)
Do you know if there are any financial charges on using this card overseas?
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There is Visa service charge and foreign exchange rate will be applicable.
fruitie
post Mar 8 2017, 04:26 PM

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QUOTE(brianw87 @ Mar 8 2017, 04:20 PM)
HI I got a noob question, first time using cc. How to pay back credit card outstanding balance? Can I use Interbank GIRO transfer from CIMB to credit card to clear it off? Do I have to wait for statement or I can like spend on cc today and pay tomorrow?
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You can GIRO from CIMB. Payment type choose credit card payment and your 16-digit credit card no. is the account no.

You just pay statement balance before due date.
fruitie
post Mar 8 2017, 04:46 PM

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QUOTE(brianw87 @ Mar 8 2017, 04:44 PM)
So everytime I have to wait for statement before I can pay? For example if I swipe rm2k today with cc, I can't just GIRO transfer rm2k back tomorrow?
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You can check from online. I don't receive hard copy of statements.
You can do that but what's the purpose of having a CC then? biggrin.gif Besides earning cash back, you can hold the payment with at least 20-day free interest period. Just pay statement balance before due date will be sufficient. smile.gif
fruitie
post Mar 9 2017, 01:09 PM

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QUOTE(brianw87 @ Mar 9 2017, 12:49 PM)
So account number is my cc number, beneficiary name is my name? If use GIRO transfer how long will it take to update my statement? I did a transfer last night but statement still hasn't updated.
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Yes for your first question.
It depends on banks, you may see it next day. No worries, as it will reflect accordingly though it may be posted late.
fruitie
post Mar 21 2017, 12:29 PM

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QUOTE(sendohz @ Mar 21 2017, 12:27 PM)
fruitie

Sis, may i know if you request for waiver for this card before?
The annual fee is nearing for my card.
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Nope. Not required at all as it is auto-waived with just 12 swipes. I can achieve it within a month. laugh.gif
Anyway, coincidentally this month is my anniversary month and I got charged with AF in HL Connect and next line is waived. biggrin.gif
fruitie
post Mar 21 2017, 02:51 PM

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QUOTE(sendohz @ Mar 21 2017, 02:29 PM)
Ok thanks for confirmation.
I've tried to look back at TnC but couldn't find the 12x swipes condition.
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https://www.machbyhongleong.com/mach-credit-card
"Annual fees waived for life

Yes, that means no yearly fees when you swipe a minimum of 12 times per year!"
fruitie
post Mar 21 2017, 04:03 PM

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QUOTE(sendohz @ Mar 21 2017, 03:35 PM)
Broken link.
I will try to view back at home.
I've checked in mach website, can;t find anywhere for the 12x swipes even in PDS/TnC/Fee Disclosure
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Not broken but not sure if it is an updated page.
Anyway, already auto-waived twice.
fruitie
post Mar 22 2017, 04:19 PM

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QUOTE(-kytz- @ Mar 22 2017, 04:15 PM)
MACH has a competitor now. The new Public Bank Quantum Master Card/Visa..

5% on dining, online, entertainment and departmental stores. Cap is RM30 for each of the following combined spending :

1) Dining + Online
2) Entertainment + Departmental stores.

Minimum annual Income of RM36000. No Annual Fee
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I don't see them as competitor, just additional card for me. biggrin.gif
RM 30 is too little, good for backup. laugh.gif
I appreciate the departmental cash back.
fruitie
post Mar 22 2017, 06:34 PM

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QUOTE(mamamia @ Mar 22 2017, 06:31 PM)
So, combo 1 is for MasterCard and combo 2 is for Visa card.. can I apply both master and visa?
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There's a discussion in General CC thread. Yes, must apply both actually, cannot just have one.
You may continue the discussion there. smile.gif
fruitie
post Apr 2 2017, 01:19 PM

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QUOTE(saitong09 @ Apr 2 2017, 10:38 AM)
jonjack88
No dining CB for Fresco Restaurant inside Jaya Grocer Empire Mall
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I will do the update. smile.gif
fruitie
post Apr 12 2017, 11:17 PM

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QUOTE(extinct_83 @ Apr 12 2017, 09:48 PM)
Hi - Does anyone knows if Mach is eligible for 5% cash rebate if spending overseas?
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Under what promo or what category?
If dining 5% cash back, yes. Been swiping with it every time I travel and got cash back.
fruitie
post Apr 14 2017, 04:22 PM

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QUOTE(extinct_83 @ Apr 14 2017, 04:08 PM)
Hi everyone - is the cashback will be debited after the third months of car usage. I just received my card last month.
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No. Current month's cash back will be credited by following month's 1st or 2nd. Check out your HL Connect.
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