Introducing MACH by HongLeong Bank

The Credit Card that rewards you for being you. Customise your card to match your personality and boost your cashback rewards in 12 different categories from
Movies to Dining.

https://www.machbyhongleong.com/mach-credit-card

Start off with choosing EITHER one of three FREE packages which includes

1. Social
- 10% Cashback on all Movie outlets: GSC, TGV, MBO, Cineleisure and Cathay (MCC 7832)
- 2% Cashback on All bars and nightclubs including: Zouk, Mist, Milk, Movida, Hard Rock Cafe, Red Box, Finnegan's etc. (MCC 5813)
- 3% Cashback on all event tickets bought from AirAsia RedTix, TicketCharge, TicketPro and all Rock Corner outlets

2. TrendSetter
- 2% Cashback on Major Style outlets: Uniqlo, Cotton On, Esprit, Topshop, Topman, Forever 21, Zara, Converse, G2000, Charles & Keith
- 1% Cashback on All tickets & hotels purchased with AirAsia
- 5% Cashback on ALL Dining outlets (MCC 5811, 5812, 5814)

3. Savvy
- 2% Cashback on Health & Fitness: Celebrity Fitness, Fitness Concept, True Fitness, Fitness First, GNC's, Watson's and Guardian
- 3% Cashback on Mobile: DIGI, Celcom & Maxis
- 2% Cashback on Groceries: Giant, Tesco, Cold Storage, and many more (MCC 5411)

Also
3 extra categories to choose from
- 1% Additional Cashback on ALL online purchases
[Example: You can COMBO it when you buy GSC movie tickets Online, giving a total of 11% Cashback]
- 2% Cashback on Tech stuff including: Machines, IT Hypermarket, Epicenter and so much more (MCC 5045 and 5732)
- 2% Casback on Departmental purchases: Parkson, Tangs, Debenhams, M&S, Isetan and Metrojaya

each category is capped at RM100 per quarter per month. meaning if you hit your threshold of RM100 cashback for Dining, you will not be entitled for more cashback the following month till the new quarter starts

Other expenses such as Petrol etc: 0.2% Cashback capped at RM50 per month

ONLY pay RM5 every 3 months to enjoy additional categories of CashBack! here's how the mechanism works:

Scenario 1
Person A took Social Package
Free Categories: Movies, Nightlife and Events
Person A wish to take up Tech and Online
Person A then will ONLY pay RM5 per category to enjoy Cashback on these 2 categories until the quarter ends.
so total fees to pay is only RM10!

Scenario 2
Person B wishes to get ALL categories:
Person B only pays RM5 for all other categories that's not included in the package
so Person B pays RM5 X 9 = RM45 every 3 months to enjoy ALL categories given

Example:
Dining Category. maximum cashback for 3 months is capped at RM100.
July: you spent RM1500 on dining: RM75
August: RM1000 on dining: RM25 cashback, the rest burned
September: RM800 on dining: no cashback as reached the treshold
October: RM900 on dining: RM45 cashback (cycle is renewed)

Cashback period is renewed every 1st day of the new Quarter: 1st of Jan, 1st of April, 1st of July, 1st of Oct
each add-on category is subject to a fee of RM5 for each calendar quarter. the Fee charged will be apportioned for a new cardholder depending on the opening date of the Mach Card account and the same will be rounded to the nearest cent.

Not only that, there's more
If a customer is not sure on what additional categories to take on. he can start off with any these 3 packages.
customer can logon to HongLeongConnect to view their credit card account, and from there they can click whichever categories they would like at anytime.
Whenever you add a new category, the category will only start giving you cashback during the next NEW quarter, same goes to the RM5, which will be charged to the person on the next NEW quarter.
To swap just wait for the next quarter to start over and unclick the previous category, and click on another category the customer prefers before the new quarter starts.

example:
Say you intend to buy a Dell laptop via online but you're not sure when..
so you start of with the Savvy package.
you wish to get 2% Tech and 1% Online to save up on your Dell Laptop on the following quarter,
So you click these 2 packages, no charges until the NEXT new quarter starts. after the new quarter starts, you can then purchase your Dell Laptop with 3% Cashback.

PRO-RATED RM5
The pro-rated RM5 for every new category is only applicable when you applied and MACH card, and you wish to add additional category in the application form.
Example: you took the Savvy Package with add-on Movies category when you applied your MACH Card.

Say the time your card account was succesfully create on the 10th of August.
so currently your card can enjoy the Savvy Package cashback + the Movies cashback.
as for the Movies package, the RM5 will be deducted base on the pro-rate of:

(51/92) X RM5 = RM2.77 (Rough Example)

This will only apply when the person applies the card. thereafter there will be no more pro-rated RM5 as whenever the person wants to add additional category the new category can only receive cash back on the next NEW quarter.


Annual Fee waiver is mentioned in the first page of the application form
here's the criteria quoted from the form:
1st year AF Waiver
Subsequent year annual fee waiver subject to Condition 1 or Condition 2
Condition 1: Min spend per annum RM8,000
Condition 2: Min number of swipes per annum, 12 times

QUALIFYING CRITERIA:

Minimum Gross Income of RM24000 per annual
Income Documents of
1. Mandatory IC
Optional of Either one:
2. EPF 2012 & 2011
3. 3 months of Payslip & Bank Statement
4. Business owners: Borang SSM & Borang B with 2 years in business


To know more visit:

MACH

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

ALL comments about this card and feedback are welcome.. after all this is a discussion topic..


MACH Card's dining covers MCC 5811, 5812, & 5814 - source
Excludes - Drinking Places, Bars, Taverns, Cocktail Lounges, Nightclubs and Discotheques (MCC 5813) and those listed below:

! ATTN: No 5% Dining Rebate for The Below Listed Merchants

#
103 Coffee Workshop @ Sri Petaling

A
A Slice of Heaven @ Pavilion
AMPM Café @ USJ21
Ante Kitchen & Bar @ One Utama
Arang F&B SB @ Bayan Lepas

B
BETJEMAN & BARTON @ 1Utama
BOTANICA&CO REST & BAR @ Bangsar South
Brussels Beer Cafe @ Jaya One, Menara Hap Seng
BreadFruits @ Taman Desa
Buddies @ IOI City Mall
Buns and Meat @ Lake Fields

C
Coffee Bean

D
DePastry @ Setapak
Don Kaiten Restaurant @ Klang Parade

E
E&O Penang 1885 Restaurant

F
Fatboy's The Burger Bar @ Bangsar
Four Seasons @ Empire Subang
Franco @ Avenue K KLCC, Mid Valley
Fresco Restaurant @ Jaya Grocer Empire Mall
Fresh Tea Creative @ Butterworth
Frisky Goat Cafe @ TTDI
Frisson Coffee Bar @ Damansara Uptown

G
Gravy Factory

H
Haven Harbour @ Penang
Heartbeans Coffee
Hinz Mama @ Menjalara Cheras

I
Ikea Restaurant Damansara

J
Jack & Co @ Icon City
Juice Works @ 1 Utama

L
Lala Chong Seafood Restaurant
Little Bally Cafe @ SS2
Loong Kee @ Jalan Alor

M
Marche Movenpick @ Pavilion KL
MG's Vegetarian Café @ Damansara Uptown
Miam Miam Sdn Bhd @ Gurney Paragon
Moonlight @ Sri Petaling
Morganfield's @ Mid Valley

N
Nam Heong Kopitiam @ USJ Subang Jaya, Pavilion
Naughty Babe Dirty Duck
Naughty Nuri's
New Orleans @ Genting Highlands

O
Ole Ole Bali
Onde-onde @ Citta Mall

P
Pepper Lunch @ Sunway Pyramid
PULP by Papa Palheta @ Bangsar

R
Ramen Village @ Nu Sentral
Red Kettle @ Taman Desa
Restaurant Peranakan Place @ Nu Sentral

S
S'mores Bar&Restaurant @ Bangsar South
Sarkies Corner (buffet dining) @ Eastern&Oriental Hotel Penang
Six Inch Cafe @ Kepong
Social @ Publika
SOUPER TANG @ 1Utama
Starbucks @ Tesco Kepong Village, Jusco Metro Prima, IPC
Sushi Jiro @ Sunway Pyramid

T
Tai Thong @ Odeon Kepong
Taste Gallery @ Cheras Mahkota
The Bee @ Publika
The Pantry @ Bangsar
The Zun Express @ Mid-Valley
Tous Les Jours @ Empire Subang Jaya

Y
Yeast Cafe @ Mid Valley

This post has been edited by fruitie: Apr 28 2018, 03:41 PM

Wow, very innovative. Cant get to the card using normal HLB website?

Yeap.

have to access via http://www.machbyhongleong.com

Baru launch today

smart but cash back too little

Waiting for review by Gen-X

What a good product indeed except for petrol hehe...

bump for your thread bro....

1000% support~!

This post has been edited by benkocw: Jul 10 2012, 12:00 AM

Nice feature but customer service sucks
Have essential card, don't even want to use it

Don't understand why their customer service is terrible for cards and loans

Say will call back but don't

haha, no lah, this one I will skip a full review and do a mini here because it is too complicated Can pay RM5 to add category some more. Really innovative. First of all there is an annual fee of RM160. And if a guy wants all categories it will cost RM45 every 3 months or RM180 per year. So total fee RM340/year (what a lousy number 340)

For general transactions, the card is just as bad at the card I awarded the Worst CC in Malaysia with 0.2% cash back. So I guess I should award this card the runner up to the worst credit card in Malaysia, hahaha.

And I not sure what jonjack88 meant in his example when he stated "ALL Cashback categories are capped at RM100 per 3 month"? Does this mean per category or total cash back earn FROM all categories is cap at RM100 every 3 months.

Moreover no points are awarded, which means once you hit the cap you earn nothing, who is so free to go keep track on their spending for 3 months? Then again we talking about GenY with Smart phone

Noted the annual income RM24K, this card (and the mach account comes with Personal Loan) all it does it entice GenYs to spend and spend more unnecessary. If you see the entire website of mach by HLB, it's all about spending money!!!

Like my article on titled Life - Pay Now with Credit Cards Earn Later or Save For Retirement , the younger GenYs can choose which way they want to go.

Having said that, the 5% Cashback for Dining and 2% shopping at Uniqlo and Cotton On looks good if the cap is RM100 every 3 months for each category. Say you get the card for dining, with a cap of RM100 every 3 months, that's pretty good because you can spend up to RM2K on food every 3 months to earn maximum cash back; but remember, there is an annual fee of RM160, so once again you are not earning 5% cash back.

But you know what, if the card is Free for the First Year, I might just get the card and earn 5% cash back for dining everyday But with RM400 cash back cap per year and less GST I will only get maximum 4.375%.

For the other categories excluding movies, the Free For Life MBB 2 AMEX with 5X TP just as competitive or better. Actually the MBB 2 AMEX "better" at Red Box i.e. buy 3 get 1 free.

Come to think of it, maybe I should go do an article on this card and point out to GenYs that assuming they do earn RM100 every 3 months with cash back of 2.5% (say average), it means they need to spend RM4,000 or RM1,333 per month (on selected category) when they earning RM2-3K/month (if one earns RM3K above, they would have MBB 2 AMEX with OCBC TMC and earn 5% cash back from almost all categories offered by mach except for movies and some fashion outlets).

However for those who have overspend, getting unsecured loan is easy with HLB credit cards- click here to read my article Hong Leong Bank Credit Cards - What Are They Good For?


This post has been edited by Gen-X: Oct 6 2013, 04:07 PM

This card capping is independent for each category. Per quarter is RM100 per category。

Which means that each category is capped total up cannot exceed RM100 per quater.

If you tick one of the three packages, you already have 3 categories. So total up you have RM300 for the three categories per quarter.

The packages you tick are totally free.

If you want pick additional category, which is outside of your package then only need to pay RM5 for the additional category for a quarterly basis. You may add or change the categories, and even packages by quarterly basis through HL Connect. (It will implemented very soon)

For transaction that outside of the categories you choose, you still can enjoy 0.2% cash back, including oversea transaction. Capping are RM50/month.

Hopes my clarification can makes you all understand a bit. (I'm JonJack88's friend)


There is some mistake about my clarification, just change it regarding capping for 0.2%. Hopes it won't confusing you all.

This post has been edited by benkocw: Jul 11 2012, 12:34 AM

Is there any annual fee waiver for the 1st year?

As for me I would choose
The 5% for Dining can compliment my OCBC Titanium Mastercard.
RM100 per quarter means RM2000 for 3 months of Dining 5% rebate.... quite OK for me.
2% at UniQlo is also a shop I frequent (which doesn't accept AMEX)
Definitely the rest of the 1%-3% rebate not tempting AT ALL.

Let's hope we get first year Annual Fee Waiver + 1-year Free Govt Service Tax

This post has been edited by ronnie: Jul 10 2012, 08:59 AM

How is calculated as "per quarter" ?
- Based on Calendar Quarter. i.e. "Jan-Mar / Apr-Jun / Jul-Sep / Oct-Dec"
- Each calendar quarter begins on the 1st of Jan, 1st of April, 1st of July, and 1st of Oct respectively.



STYLE category is 2% only... please edit accordingly.

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

This post has been edited by ronnie: Jul 10 2012, 07:43 AM

The card benefit is not bad. Annual fee can be waived upon 12 swipes in a year BUT HLB customer service is the thing that stops me from applying this card

Also never pay late for the statement Due Date or kena Retail Interest Charges (like me, but waived 2x)

HLB Mach's MCC Code range for Dining and Grocery is smaller compared to OCBC Titianium's


Does this mean same system as Maybankard 2 AMEX ?

This post has been edited by ronnie: Jul 10 2012, 08:03 AM

Thanks for highlighting above.

Bro, where you got this info? I can't seem to find it anywhere in the T&C.

Bro, you go get this card and start a new thread - Places that Earn 5% for Dining with the mach by HLB

This post has been edited by Gen-X: Jul 10 2012, 08:47 AM

i got it from HLB agent, dont know why it didnt stated in the T&C. For those who want to apply this card, you have to go to either Mid valley or IOI mall puchong to apply for it

Any other "freebies" ... the 12 swipes for Annual Fee waiver need to be in Black & White to be 100% sure.
HLB Sales Agent (like their CS) is rather unreliable.

so far, never heard of it. Maybe you can go to their special booth setup at IOI and mid valley to check out ?

This card will be a hit due to the income requirement. Card design and colour is kinda attractive, looks just like Citibank Premier Miles.

Card Level = Gold (according to the Fee Disclosure Page)

The annual fee is waived for the 1st year if you swipe once within 45 days, and you get a RM50 GST rebate as well. Only for subsequent years do you need to swipe 12 times in year to waive the annual fee.

12x in a year is acceptable, similar to OCBC Ti

Why is the above not written on the T&C for MACH ?

Hmm those that never ask will never get the waiver?

AF Waiver for mach card:

if you are new to bank then you will be able to enjoy this Waiver of 1 Swipe in 45 days for Ann Fees.
if you are existing EBB you still can enjoy this waiver mechanism
if you are existing to HLB (Essential/Gold/Business Plat etc) then you will not be able to enjoy this waiver mechanism.
However you get to apply this card with only your IC, as the card is shared limit with your existing HLB credit cards

hope this answers your questions

This post has been edited by jonjack88: Jul 11 2012, 07:21 AM

What standard are you referring too? Please elaborate.

The auto annual fee waiver requirement for my HLB VS is spend RM30K and never heard of auto waiver for my Plat (yet to see this is true since I now got PB). BUT HLB very good, have been waiving my annual fee yearly for my Plat

It can be done through manual process as well for those who unable to go there.

Wakaka, give u a like

manual process refer to submit the form to branch ?

I help clarify something:

For New to card customers, the GST "waiver" for 1st year concept is you must swipe your card one time within 45 days after getting your card and RM50 cash back will be credited back to your statement within 10 weeks time. However you still have to pay the RM50 on the first statement.

Second year onwards there is no GST waive. However, I believe that the total cash back that giving to you in a year are more enough used for paying the GST and the rest putting in your pocket.

For New to card customers, 1st year annual fee waiver are without conditions. It will automatically waived if you spend the card one time within 45 days. However, second year onwards every month you just spend one time you can enjoy the automatic annual fee waiver too. If you didn't spend for 12 times a year but total transactions have at least RM8000 and above also will enjoy this mechanism.

If didn't fulfill the above requirements, RM160 annual fee will be charged to your bill.

---

Added on July 10, 2012, 11:37 amYes. It is not necessary need to go IOI mall or MVM if you unable to you. PFC can arrange an appointment to meet you in the places that you are flavor to.

---

Added on July 10, 2012, 11:41 amThere will be black and white for all banking application for sure.

However, I can't get understand your mean in terms of "unreliable". Bear in mind, not all of them are so called "unreliable".

By honest, I still agree HLB CS have huge improvement to be done.

Just for information. JonJack88 and Me are colleague, from HLB PFC. not agent.

This post has been edited by benkocw: Jul 10 2012, 11:44 AM

Thank you for the above info. Is the above stated on the application form? If yes good. If no, then what assurance does the customers have since it is not stated in the terms and conditions?

You no need to say also can see from you guys' posting lah And you know what, you guys are not suppose to advertise your company's product, hahaha.

But if your colleague started this thread for discussion purposes, then it is okay in my opinion since it is good we have HLB staff here to assist LYN members on quires (like in CIMB Thread we have superwoman). I hope jonjack88 will update the first post frequently with info like what you provided above and also list the cons too and not make it like an advertisement for HLB

Dear gen-X,

Thanks once again for your replies
We understood very well of the current HLBs issues customers are facing which includes bad customer service, no feedback and poor information explanation.

my post here is to first of all explain our product, second is to get feedback from gurus and customers on how can we improve.
For us mach, is not about selling, is about building relationships with our customers.


any questions by forumers feel free to drop a message or post here. Thanks

---

Added on July 10, 2012, 2:27 pmfor existing hlb customers only need IC to apply
No gst waiver applicable. AF waiver auto with 1 swipe every month
For customers who hold only ex eon bank cards such as gsc and Marta.
Can get waiver when apply Mach cc

this is for clarification purpose

This post has been edited by jonjack88: Jul 10 2012, 02:27 PM

For existing HLB Cardholder and we go to MACH outlets in Midvalley/IOI Mall, can we get the card in 1 hour ?

Hi, any idea if priority pass will be re-introduce to your Visa Signature?

Aren't you abit OT ? We talk about MACH only here

Haha, they wanna build relationship mah.

Most of the information that I clarifies just now are stated in application form. No worries about that.

JonJack88. I don't disturb your thread lah. Good luck for you.

Is the MACH Credit Card surface : glossy or matte finish ?

Just for everyone's info
This is not my thread. This is a roundtable discussion

Just updating everyone with a new credit card in the market.
Will post more info on the first post

Feel free to blast your dislikes on this post here if U dislike this new credit card.
Thanks

This post has been edited by jonjack88: Jul 10 2012, 03:49 PM

You are known as the TS = Topic/Thread Starter for this MACH Hong Leong CC

More to matte black with silver details. Less flimsy than a normal cc..

Bro, you got Essential right? From what I understand from above posts by our own "LYN HLB Relationship Team", you have to pay first year annual fee too lah.

The agent can say anything under the sun, but system sure can detect you not new to card customer

This post has been edited by hye: Jul 19 2012, 06:38 AM

Then complain PFC kaw-kaw ...

I will wait for Roadshows.... Please update us on when the roadshows will be held.

Haha I will wait for promos as well. New to bank, sure can get free gifts

What is PFC?

Hi, thanks for the info, can you scan in the terms and conditions that are not found in the mach website and only found in the application form for our perusal as mentioned above.

Is it possible to convert existing ex-EON or HLB cards to this Mach card?

If yes, will it be linked to ex-EON or HLB limit which are currently still separate.

Hi human nature.
Mach by Hong Leong bank is a separate division of Hong Leong Bank
Therefore they can't sell any products outside mach

As for priority pass you have to clarify with the branch personnel or customer service.
apologies that i cant help you on this matter

Well I have read Mach by HLB Customer Service Charter and it is basically the same as Hong Leong Bank Customer Service Charter where both hope to achieve 90% rating customer satisfactions, hahaha.

However, there is one place Mach needs improvement, that is provide 24/7 CS:

Mach Helpline at +603 7951 1988 to speak to our Customer Relationship Officers between the hours of 9:00 AM and 5:00 PM (Monday to Friday only).

This is also what was stated in mach website "For more details on our complaints procedure, please visit www.hlb.com.my. We will tell you how to make your complaint as well as our procedures for handling them fairly and quickly".

If you have enquiries, concerns or comments please call, write, e-mail or fax us at Mailing Address:
Service Quality Management - Customer Experience
Hong Leong Bank Berhad, Level 2, Wisma Hong Leong, 18, Jalan Perak, 50450 Kuala Lumpur.
Contact Centre : 03-7626 8899 Facsimile : 03-7946 8884 Email : HLOnline@hlbb.hongleong.com.my

Mach by Hong Leong Bank is not a separate division of HLBB but a part of HLBB and the customer uses HLB's Hong Leong Connect. And to add further, the HLG's personnel assigned to mach centres are "selling" (as you put it but I would rather use the word providing services so that they don't sound like salesmen) Hong Leong Bank Bhd's products such as Personal Loans, Car Hire Purchase and even the Credit & Debit Cards. If you refer to the mach's product T&C - Bank means Hong Leong Bank and not mach.

So coming back to your apology, since you are part of HLBB, don't apologize but go ask your superior if you don't know the answer as stated in your Customer Service Charter and give us satisfactory answer within the next working day. And if your immediate superior also does not know the answer, go ask the relevant department head and hopefully they reply you within 4 days so that you can share with us and keep to what is promised in the Customer Service Charter and help your bank achieve 90% satisfied customer ratings



This post has been edited by Gen-X: Jul 10 2012, 09:42 PM

Love your response in regards to customer service..

i shall reply base on paragraph Gen-X

1.
The 03-79511988 is indeed a hotline which gives all customers an answer, FAQs on all Mach products we have, that states the reason why the helpline is applicable from 9AM to 5PM.

If you have any queries related to Mach products outside office hours, you can either:-
1. drop by the branches from 5-10pm everyday including Sat and Sun
2. get in touch with Mach PFCs during office hours with the hotline, and someone will reply you within the promised frame time. if you are lucky, some PFCs will work more later just to get service done for you.

For any customer service related issues such as card activation, lost card, card transactions dispute etc, definitely have to refer back to the Customer Service Center as they have the tools to handle your requests immediately, that's where their duty lies.

As for Mach PFCs, they not only handle product information and presentation, but also assist customers who walk into branch for several needs such as ATM&CDM disputes, account information enquiry and opening of bank savings accounts (MoneyBox) at this point of time. there will be much more improvements in the near future where our branch will be fully functional as a normal conventional branch. in the mean time all other product queries outside of Mach's products are handled by the branch or customer service itself.

24/7 CS is obviously all bank's main priority. that's not up to me to decide as i'm only the threadstarter of Mach Credit Card and not the CS manager of any organization. =D


2.

As for Question 2, in case i get flame here.. i'm just a threadstarter. nothing more. you are all free to discuss anything related to this credit card. as for Mach, is solely backed by Hong Leong Bank. is a separate project catered for Gen-Y as mentioned.

Lastly, what i meant on that phrase when I say it's separate is that, when a customer goes to a conventional HLB branch, the customer is unable to enquire or to get Mach's services. so thus Mach branches will not be able to provide any services related to conventional HLB products such as unit trust, bancassurance, Mortgage etc. Mach branches only promote Mach Credit cards only.
however a customer can go to a Mach branch to ask on general inquiries such as loan installment amount of existing products, bank balances etc

hopefully this can clear some of the air. =D

This post has been edited by jonjack88: Jul 10 2012, 09:46 PM

One way to define it is Salesman Nowadays if one working in bank branches, the execs are required to meet quota for this and that. HLB tellers also under pressure where they also got quota on customer satisfaction (you can rate them and their bonus also depends on their rating from customers).

Anyone interested in applying of the position below to assist HLB get 90% customer rating satisfaction for mach centres? I want to apply but I worry no one will sign up for the mach card if I sell them.

http://www.jobstreet.com.my/jobs/2012/6/h/...674608.htm?fr=c

Bro, HLBB paying you overtime ar to answer queries/comments here ? Or is it part of your scope of works?

This post has been edited by Gen-X: Jul 10 2012, 09:54 PM

PFC = Personal Financial Consultant

Consultant = CON and INSULT

This post has been edited by ronnie: Jul 10 2012, 09:59 PM

Haha.. nice one.. we are hiring actually.. =D


as for why i work extra hours? partly because i want to go the extra mile, not because of the bank, but i feel as a customer we all deserve to know things which are kept from us, be it any industry..

is not part of my jobscope, i actually started this thread without my bosses acknowledgement, on my own consent. lets treat this as a discussion page shall we. =D

To TS, dont worry. We welcome your initiative to start this thread on your new product and that you do not solicit sign-ups directly. Kudos.

i believe there are consultants out there who are genuine, you just need to know the right people.. anywhere you go there are people who are backstabbers, frontstabbers, opportunists or just plain idiots.. lol

so who knows if you can meet a genuine banker who genuinely wants you to save money instead donating to the bank.. i wouldn't know.. =D

ya ya better don't let your boss know and hopefully your colleague don't accidentally mention it too. Your boss come here check and see you earning pocket money with WTS, habis, hahaha,

thanks alot for your understanding Human Nature. if you encounter any bad services with Mach branches u can definitely blast it here.. =D

There's only 2 MACH branches currently... would all MACH branches be in major shopping centres ?

that's good question, the direction where Mach is heading is to provide convenience to customers at places where customers have a higher chance to commune. as of now all locations are stated below. stay tuned and you will know where's Mach's next branch. =D

---

Added on July 10, 2012, 10:20 pmwell.. too bad.. when i google Mach credit card. the first post is my thread
i'm not here to earn pocket money.. hahah.. as a matter of fact i think my boss should be the one starting this thread.. not me.. LOL!

This post has been edited by jonjack88: Jul 10 2012, 10:20 PM

My next guess for MACH 3rd branch = 1 Utama

might be the curve. i heard initially they going to launch it at 3 places, MV, IOI and the curve, i was surprise why the curve was left out

Really?? where can you find this source of information??

Please read the threadstart again.
there's some changes

the T&C for this card will be scanned shortly. thanks

This post has been edited by jonjack88: Jul 10 2012, 10:49 PM

from CARI forum, dont know it is true or not

3% cashback = 1% Online + 2% IT Store - RM10

Beats Maybankard 2 AMEX's 5x TreatsPoints.

This post has been edited by ronnie: Jul 10 2012, 11:02 PM

Dell laptop is considered as tech product. and you can purchase it online.
so all the person needs to do is to go HLconnect, click yes to get the cashback for Tech and Online categories
use the Mach card to buy the dell laptop online. you get 3% cashback

Your response so quick ke ???? Let's see if this fast response will continue.... hehehehe

replying from home so.. for now i'm still on forum.. LOL

This is actually a very good thing you are doing here I wish there were more people like you working in banks in Malaysia

Congratulations to TS on this new thread and the popularity and acceptance of this thread speaks for itself.

I'd like to take this opportunity to remind everyone here (especially TS) on the difference between GST waiver and GST offset. I've clearly indicated swift deletion of posts that uses the wrong terminology. I don't want our readers to be misled and misunderstand the difference between the both as this has been going on for too long.

Thanks folks and enjoy your time here.

good morning
noted.. shall make the adjustments..

---

Added on July 11, 2012, 7:24 amas visa signature is considered an ex eon bank product till now, it will have certain different criterias that differs from other cards.

best is to directly inquire with customer service.

This post has been edited by jonjack88: Jul 11 2012, 07:24 AM

Will somebody kind and hardworking enough to make a comparison between Mach cash back vs Citibank cash back vs UOB One card? Thank you

Why can't you contribute something to the forum instead of waiting to be spoon-fed ?

wondering if they have plat for this card

andyfriends, this card only has one category, which makes it easier for all working citizens to apply with ease.
Mach wants to give these benefits to all who have met that minimal criteria, at least they can see some rewards from spending compared to a generic gold card.

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Added on July 11, 2012, 11:42 amHonestly even if u do a full comparison, no answer is correct.
Becoz everybody is different, every transaction is different. Sometimes u spend more sometimes less. Sometimes u spend more on other things or even there's a change of spending habits.

So whichever card that suits your need at this point of time might not suit you in the near future.

Example is now u wish to save more so u own a cashback card
Later u wish to have golf privileges since u become more affluent then you will think of visa signature or a special platinum card.



This post has been edited by jonjack88: Jul 11 2012, 11:42 AM

I like what I read so far. This card is easier to understand compared to that Floptune... I mean Fortune card.
Gonna sit on the fence for a bit and wait for promotions.

The presentation, I still find it rather confusing as compared to the OCBC Tit card, Citi Cash Back Cards.

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Added on July 11, 2012, 12:27 pmthat is true. Would be great if they do have a higher range. I trust it would certainly be able to attract more applicants.


This post has been edited by andyfriends: Jul 11 2012, 12:27 PM

How does having a higher range of MACH CC gets more applicant ?
The MACH requires RM24k per annum currently... Maybe MACH 2 or MACH 3 later with even higher rebate payout.

i suppose some richer ppl would not want a classic card like this

Good idea on the names. HLB need to take note. TS faster suggest this to your boss.

Sometimes when you've been holding a platinum card (or above) for far too long, you won't mind to have a classic card or gold card just for the sake of holding something different By the way, this Mach credit card is a Gold Card.

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