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

Yeap.

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

Baru launch today

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

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

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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

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

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

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

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

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

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

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

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

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

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

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

good morning
noted.. shall make the adjustments..

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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

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

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

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

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