Yes, it is but God knows what will happen next. Just enjoy while it lasts.

Nobody said so, please read back our previous posts.

Minimum cash back is RM 1, so you gotta spend at least RM 20 (accumulation basis).
I know HLB has the round up thingy but I forgot how they round up.

This post has been edited by fruitie: Feb 8 2018, 04:37 PM

Since when decimal point? Always to nearest ringgit. I have been getting MACH cash back every month for the past 3 years and I have not seen any decimal point.

Yesterday swiped for my Pre-CNY dinner with colleagues, another RM 51 is expected to be pocketed.

Same thought here. Been swiping non stop.


By the way, just to refresh my memory, as HLB MACH cash back is paid in the following month's 1st. For e.g., Jan 1st I should get cash back for Dec. My quarterly cash back allocation for Jan 1st is actually for Q4 right and not Q1 correct?

OK, I already maximized my RM 100 then. Last month's cash back was already RM 45.
Reminder for myself, don't use MACH anymore until April.

So fast 3 years already with HLB MACH, one of my most used cards since I need to eat everyday.

Just received auto AF waiver again because swiped at least 12x.

I used in McD's for Sundae cone - RM 1.00, Paywave as well.

Nah, just trendsetter. I use it exclusively for dining only. I still have other cards to cover other expenses.

Finally it is April, new quarter. I can start using back this card after having maximized it in early Feb.

Yeah, due to CNY dinners with friends and colleagues. All swiped by me.

And they paid me back. So I earned 5% cash back.
I will only treat my real good friends.

Yes, offset from my portion.

I already maximized since Feb so nothing for me. Did you somehow maximize your 1st Quarter's cash back?

RM 100 per quarter.

Morganfield's is not counted as dining.

Sadly it's only for these merchants. Thought of charging one big purchase and since can 0% installment for 12 months I was like why not?
Yeah, I received the SMS too.

RM0.00 HLB Credit Cd: Enjoy 0% interest - 12 mths instalment. Convert - easy steps @ HL Connect. Spend now & save more! Exclusive 4U. T&C @ www.hlb.com.my/fp

Looks like all merchants are eligible.

Yeah, zero cost.

I'm so disappointed with HLB now. Last month I forgot to pay my bill by one day and immediately paid off with IBFT.

I just realised my latest statement today which was issued 10 days ago that I am charged with late charges for all CC and BT accounts. Total: RM 142.30.

I just called HLB about this that their policy has changed since 1st Oct and they no longer provide grace period for late payment. They used to give 4 days as confirmed by the CS. However, this communication is not shared with cardholders which I think fair because this kind of thing is for internal only.

Now I appealed for waiver as it's my first time and it cannot be done immediately until I clear off my latest statement which will due on 16th. Then only I will call back to request for waiver.

Though it's my mistake but I find this is too harsh for cardholders. I cannot recall other banks are doing this? I learnt the hard way but you all need to take note with HLB from now onward.