Haha.. Mach 3 cannot la.. Later confused with the Gillette Mach 3 razor.. but maintain the higher rebate idea though..

Rich ppl would probably go for visa signature with cute ladies doing concierge services like Amex plat.
I'm sure the 100 bucks they save is only a speck of dust to the amount they earn..

on mach 2.. Definitely a good idea, lets hope this works.. Lol

hahaha, noted you deleted your misleading statement you posted yesterday. And, the fact is today, if one sign up for the HLB VS, one is signing up with HLB and the card not issued from EBB. And what about the HLB Plat AF waiver mechanism, also the same standard apply as you claim? Oh, I forgot, since HLB Plat is not a mach product, call CS for further information. I guess that is what was trained to HLB PFC

For the benefit of all, you should post your reply below in post#1 and also clearly state the annual fee for the mach credit card so that you are providing a more complete picture of the product; and also to inform our members whom are existing HLB card holders not to waste their time going to mach centres if they not willing to pay the annual fee.

As for the cash back based on your latest updated edited info below, besides the max RM100 cash back cap every quarter, there is no monthly cap for any category enrolled right?
The cash back is not just based on 3 months enrollment (when applicable) but preset to the 1st of each calendar quarter. So if one sign up for the mach in September, one is "entitled" to cash back up RM100 for the "first month" and on the "second month" he/she is once again entitled up to RM100 cash back I think you should also highlight the quarter thingy to our members who are lazy to read the T&C

I like mach Product Disclosure Sheet opening statement - Read this Product Disclosure Sheet before you decide to take up the Hong Leong Mach Credit Card. Be sure to also read the general terms and conditions.

Can you give us link to the RM100 cap cash back for any category enrolled for every quarter. I just cannot seem to find anything stated on the cash back cap in the mach website nor in the T&C. Furthermore, what is there there to safe guard the consumer interest if HLB fail to credit the cash back combined from different category as per your example for the Dell purchase since this is also not stated in the T&C.

https://www.machbyhongleong.com/product-ter...ach-credit-card

One thing I must say HLB is really good to inform the below (which is a BNM ruling anyway) in the Product Disclosure Sheet https://www.machbyhongleong.com/downloads/M...osure_Sheet.pdf

Liability for Unauthorised Transactions
The Cardholder’s maximum liability for unauthorised transactions in the event of lost or stolen credit card, shall not exceed RM250, provided the Cardholder has not acted fraudulently and reported the lost/stolen card incidence as soon as possible.


This is what your MD said for mach- "We are aiming at the young upward professional and not the lower-income segment," adding that Mach would complement normal brick-and-mortar branches."

HLB so clever to kira, by introducing a "higher" range card means they have to provide more service which in turns will increase their cost. As it is now, mach by HLB has no 24/7 CS but from what I gather having their PFC multitask as being CS too.

The mach card with 5% cash back for Dining would attract most of us here if it was Free For Life

+2
AF + GST offset is what holding me back from MACH

i meant basic. hehe..
to be the design of the card is more important than the class.

I hear your questions gen-x. Am in the process of scanning the disclosure sheet.
And also replying your answer one by one

im lazy person.. need to switch category is troublesome.. =p

Simple...then don't get this credit card....

i have a stupid question here. the EPP can do at any merchant or choosen merchant only? please advise. thank you.

then, until MACH 5, perhaps can launch joint-promo with Petronas Mach 5

mmm...

can just try apply for shiok sendiri n keep as personal collection~

ocbc ti + mb2 amex will be simple the best for most ppl.

Nice.. Perhaps another card for collection Maybe to use in Cinema to get back 10% lol.. Feel like applying.. Any agents in JB area? lol

Ps. It is pretty complicated >.<....

This post has been edited by unknowmaster: Jul 12 2012, 12:12 PM

For GSC, if you got MasterCard Debit Card, you get FREE 1 for 1 movie ticket until end September this year.

Unfortunately GSC is JB is a bit old :<... dont think they plan to renew it..

got limited units only. once it fully redeem, no more buy 1 free 1. But still it is still a good deal since it valid for everyday

hi everyone.. ive just updated the thread page.
updated is the tnc of the cashback mechanism and annual fees.
thanks

eh, 1st page? unable to see it...

cool card. currently in dilemma between this card and citi's cashback plat
i tried talking to a HL agent but he didn't make sense. spoken to him a few times and he keeps changing his answer so don't really trust him.

anyway, since i think you guys are more pro, i ask you la

1. can i add/change categories in between the quarter? you said above that can only change per quarter, but sales agent said can do anytime
2. if i can add/change between quarter, will i have to pay RM5 full or pro-rated? sales agent said got pro-rate
3. if i add a category in between the quarter will i also earn cashback at a pro-rated rate?

4. how are the categories charged? is it according to how many categories are active at the quarterly billing date or am i billed immediately?
5. if i am only billed at quarterly date: if at start of the quarter i add 9 categories; then right before billing date i remove 9 categories, will i only get billed for 3 (min) categories?

sorry for so many questions
thank you

For Nightlife. Is it all bar including neighborhood bar?

Thanks for sharing the great info ..
Really appreciate it very much and the design of the card is really nice ! ..