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

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

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

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.

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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.

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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

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.