Few weeks no check in here and...    

    HLB if really is true

read posts #516 & #528

But how r u going to fulfill 10xrm50?

huh, got weekly premiums ? First time I am aware of this

10x swipe is the issue now. They want people to swipe on non CB categories and use wise as their main card so they can earn some money back. In fact insurance and mobile already covers more than 70% of the CB entitlement for me but that is only 2 swipes. Still need to find 8x RM50 swipes which over RM400 and that would put it over my entitlement limit. HLB wins.. LOL.

Question on the 30% dining cash back campaign:
From T&C:

5.1.1 Eligible Cardholders who perform a minimum Three (3) Weekday Eligible Transactions using any of the HLB Credit Cards on Mondays 00:00:00 hours (12:00a.m) to Fridays 23:59:59 (11:59p.m.) during the Participating Week of the Campaign Period (“Criteria”) shall stand a chance to receive 30% Cash Back on Weekend Dining Spend (“Cash Back”) performed on Saturdays 00:00:00 hours (12:00a.m) to Sundays 23:59:59 (11:59p.m.)

The card use for 3 weekday eligible transactions must be also the same card swipe for weekend dining?

Can i use WISE to swipe 3 weekday transactions then use MACH to swipe weekend dining?

8. Is Supplementary Card' retail transactions accumulated into the total number of swipes to meet requirement of 10 retail swipes per month and are those transactions eligible for 10% cash back also?
Yes, all posted retail transactions on supplementary card will be taken into account as per principal card. However, cash back earned will be credited into the principal Cardholder account only.

If you have swiped your card aftet it was  charged..then you have to pay. If not, then no need.

If you really  want to cancel, try ask whether  it can be pro rated.

Bro, why u here lol..
To answer your quest, I think dont have, I'm applying direct at hlb website now, before that I actually thru RinggitPlus but maybe no earning for them so they advise me direct apply from the bank.

This statement is true, the agent call me and he told me this as well.
"First year free with 1 swipe within 45 days from card approval date"

But for the Annual Fee I not really sure, maybe just add additional 6% GST?

cheaper where? 

But at the first place how can they even do this and told us it is compulsory
When I said I dont want it and she replied me the credit protection come together with the card and cannot be cancel

When I re-emphasis again and said I dont want it then she just hang up the call without telling me it is cacellation had been done or it is I am opt out from this now... No, she didnt said anything at all and just hang up the call !!

The call is from Private number, I can even call back the number

I tried to call to Hong Leong Customer care just now but waited for 10 min but no one answer my call

I need help  !!!! 

How can Hong Leong Bank do this, this is SCAM

LOL.. at first I also seems like hard to notice there is Gold n Platinum since both card same color & same design. yeah lo, might just get the gold card is enough, the Platinum macam no point and the AF compare to Gold is double to pay later (because just for the sake of the Platinum wording?  )

looking at the bag picture i think its cheapo bag la
haha

but still those who dont have HLB WIse card apply to get the free bag

What is the MCC? I thought HLB follows MCC and not merchant?

Check with the CS for Hero's MCC then refer to this thread: https://forum.lowyat.net/index.php?showtopic=3711577&hl=

asking more questions to get clearer info from you...

1) what are your chose categories?
2) did you call CS to ask for the MCC for that "hero" trnasaction"
3) where is this "hero" located?
4) how did you check "Checked with Hong Leong"? call cs? hong leong connect? statement?