they offer -2.4 blr.. but i need to subscribe they credit card.. can discard after 4 month...

Well I don't recommend the Hong Leong Bank for everything banking, even for the mortgage loan.

I tell you guys why, please don't take those reason seriously.

1. Online Banking: I hate Hong Leong Connect online banking, when it comes to shows transaction history, what the hell is this?! They spilt between banking account and debit card transactions history! Look, banking account transaction shows on normal transaction history, but debit card transactions shows on a separate transaction history called "debit card transactions history"! My maybank online banking don't have those issues so far, all banking and debit card transactions always shows in just single transaction history, not a separate ones.

2. Cash withdrawal and account linking: Hong Leong Bank accounts and debit card has some problems, when only one account (i mean one pay & save account) linked to a single debit card, when it comes to withdrawal, a pay & save savings account shows as current account, not a savings account?! WTF?! I through it was a savings account! This is so weird! And when i use the hlb debit card with one pay & save account linked to withdrawal cash at any meps atm, I had need to choose current, not savings. Stupid! My maybank debit card has 1 savings account linked, but when withdraw cash at any meps atm, I only need to choose savings, not current, no problem. I still have Hong Leong bank debit card and banking account because my mom still forced me to use that bank so i don't have a chance to do that but luckily I'm now stop using Hong Leong bank debit card and banking account unless i went to HLB branch to deposit my cash and then use hlb online banking or atm to transfer my money from HLB to Maybank.

3. Cash deposit machine: As I said, Hong Leong bank has a worst cash deposit machine I ever seen! it keeps out of service in all branches consistently! This is so stupid! Of course when I went to HLB branch alma, I saw there is too long queue because of two machines has some differences, only 1 machine works and 1 machine still maintenance.

That's all the reason why I don't want to recommend Hong Leong bank for everything, even for loans and credit cards! If you don't care about banking experience, by all means go for HLB, but for lot of people, I would recommend the others malaysian bank such as maybank, cimb, public bank and rhb for everything banking.