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    Mach Cashback Credit Cards

    Mach by Hong Leong Bank Berhad offers one credit card that gives you varying rates of cash rebates on multiple spending categories. You can choose from three different category packages with this card. You can also choose and switch to your preferred spending category when you need to.

    Trendsetter Package

    Cash Rebate Category Cash Rebate Rate Minimum Spend Requirement Monthly Cap
    Dining Expenses 5% None RM100 (every 3 months)
    Lifestyle Expenses 2% None RM100 (every 3 months)
    Travel Expenses 1% None RM100 (every 3 months)

    For example, if you spend around RM2,000 every month with the trendsetter package, you can get a cash rebate of RM47. The cap on cash rebate is RM100 for every three months. So, even if you earn more than RM100 as cash rebate for three months, only RM100 will be credited to your account. Check the table below detailing the structure of the cash rebate.

    Total Monthly Spend RM2,000
    Total Cash Rebate Earned RM47
    Spend Category Spent Amount Cash Rebate Rate Cash Rebate Received
    Dining RM500 5% RM25
    Shopping RM700 2% RM14
    Travel RM800 1% RM8

    Savvy Package

    Cash Rebate Category Cash Rebate Rate Minimum Spend Requirement Monthly Cap
    Mobile Expenses 3% None RM100 (every 3 months)
    Grocery Expenses 2% None RM100 (every 3 months)
    Health & Fitness Expenses 2% None RM100 (every 3 months)

    For example, if you spend around RM1,400 every month with the savvy package, then you will earn cash rebate of RM32. The cap on cash rebate is RM100 for every 3 months. So, even if you earn more than RM100 as cash rebate for three months, only RM100 will be credited to your account. Check the table below detailing the structure of the cash rebate.

    Total Monthly Spend RM1,400
    Total Cash Rebate Earned RM32
    Spend Category Spent Amount Cash Rebate Rate Cash Rebate Received
    Mobile RM400 3% RM12
    Groceries RM600 2% RM12
    Health & Fitness RM400 2% RM8

    Social Package

    Cash Rebate Category Cash Rebate Rate Minimum Spend Requirement Monthly Cap
    Movie Expenses 10% None RM100 (every 3 months)
    Music and Events 3% None RM100 (every 3 months)
    Nightlife Expenses 2% None RM100 (every 3 months)

    For example, if you spend around RM1,100 every month with the social package, then you can get cash rebate of RM50. The cap on cash rebate is RM100 for every three months. So, even if you earn more than RM100 as cash rebate for three months, only RM100 will be credited to your account. Check the table below detailing the structure of the cash rebate.

    Total Monthly Spend RM1,100
    Total Cash Rebate Earned RM50
    Spend Category Spent Amount Cash Rebate Rate Cash Rebate Received
    Movies RM300 10% RM30
    Music and Events RM400 3% RM12
    Nightlife RM400 2% RM8

    Other Categories

    Cash Rebate Category Cash Rebate Rate Minimum Spend Requirement Monthly Cap
    Departmental Stores 2% None RM50 (monthly)
    Tech Expenses 2% None RM50 (monthly)
    Online Purchases 1% None RM50 (monthly)

    For example, if you spend around RM1,000 every month on other categories then you can earn around RM17 as cash rebate. The cap for cash rebate is RM50 every month. Check the table below detailing the structure of the cash rebate.

    Total Monthly Spend RM1,000
    Total Cash Rebate Earned RM17
    Spend Category Spent Amount Cash Rebate Rate Cash Rebate Received
    Departmental Stores RM500 2% RM10
    Tech Purchases RM200 2% RM4
    Online Purchases RM300 1% RM3

    Features and Benefits

    • Earn up to 10% cash rebate on all your retail purchases.
    • Enjoy 5% discount on dining expenses across Malaysia.
    • Get 2% discount on selected shopping stores across Malaysia.
    • Enjoy 1% discount on selected hotels, booking websites, and airlines.
    • Choose from three different packages to enjoy exclusive deals on multiple categories.
    • Switch between 12 categories to pick your preferred category.
    • Enjoy an annual fee waiver with a minimum of 12 swipes over the last 12 months.
    • Manage your card bills and cash rebate categories through Hong Leong Connect Money Box.

    Fees and Charges

    Key Charges
    Annual Fee Principal card: RM160 Supplementary card: RM80 Waived with a minimum of 12 swipes each year
    Finance Charges 15% p.a. to 18% p.a.
    Cash Withdrawal Charge 5% of the withdrawn cash amount or RM20, whichever is higher
    Cash Withdrawal Interest Rate 18% p.a.
    Card Replacement RM50 (each card)
    Overseas Transaction 1% plus any fee charged by Visa International
    Add-on Category Fee RM5 for each add-on category (every 3 months)
    Late Payment 1% of the outstanding balance or RM10, whichever is higher Maximum fee is RM100
    Minimum Monthly Payment 5% of the outstanding dues or RM50, whichever is higher

    Eligibility Criteria

    Factors Required
    Age Principal card: 21 years and above Supplementary card: 18 years and above
    Annual Income RM24,000

    Required Documents

    Mode Documents
    Salaried Applicants Copy of MyKad (front and back) Latest payslips (3 months), or Latest EPF statement (minimum 6 months contribution), or Latest Form EA
    Self-employed Applicants Copy of MyKad (front and back) Latest company bank statement (6 months), or Latest Form B (with tax payment receipt)

    How to Apply

    Mode Process
    Online Application Complete and submit an online application form to apply for a card.
    Telephone Application Fill up an online enquiry form with your contact details and submit it. A bank representative will contact you and assist you with the application process.
    Branch Application Visit your nearest branch with mandatory documents. Complete and submit the application form along with supporting documents.

    Mach Credit Card offers cash rebates on multiple categories. Each of the three packages allow you to earn maximum cash rebates on the respective categories. Choose a package based on your lifestyle needs and spending habits to save money on your retail expenses.

    FAQs on Mach Cashback Credit Card

    Q. When will the cash rebate be calculated?

    A. The cash rebate will be calculated on the 1st of every month.

    Q. When will the cash rebate be credited to my account?

    A. The cash rebate will be credited to your card account on the 1st of every month, and will reflect in that month’s statement. If the due date of the cash rebate is on or after the 1st of each month, then the cash rebate will reflect on the statement of the following month.

    Q. Is the cash rebate on the packages calculated every month?

    A. Yes. The cash rebate on each package is calculated every month. But the cap on the rebate is RM100 for every three months.

    Q.  On what transactions will I not earn any cash rebate?

    A. You will not earn any cash rebate on cash advances, finance charges, late charges, annual fee payments, balance transfers, and instalment plans.

    Q. Who should I contact for any queries regarding my cash rebate?

    A. You can contact the Mach Credit Card Customer support team at +603 7626 8899 for any queries related to cash rebates.

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