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    Mach Life Style Credit Cards

    Are you looking for a card that gives you discounts on movie tickets, music concerts, and nightclubs? Hong Leong Bank offers the Mach Credit Card that provides multiple privileges on lifestyle expenses. Read further to learn more about this card, how you can earn cashback, the fees and charges, and the application process.

    Mach Credit Card

    Cashback Category (Social Package) Cashback Rate Minimum Spend Requirement Per Month Monthly Cap
    Cashback Earned on Movies 10% - RM100 (quarterly) for the selected category RM50 (monthly) for all other purchases.
    Cashback Earned on Nightlife 2% -
    Cashback Earned on Music and Events 3% -

    Features and Benefits

    • Choose from one of the three Lifestyle packages – Social package, Trendsetter package, and Savvy package that suit your requirements.
    • Earn up to 10% cash rebates for all packages. The cash rebate is as follows:
      • Trendsetter Package: Cashback earned for style, travel, and dining are 2%, 1%, and 5%, respectively.
      • Savvy Package: Cashback earned for health and fitness, mobile, and groceries are 2%, 3%, and 2%, respectively.
    • Include any of the categories under the Add-on Package and earn additional cash rebates. The cash rebate is as follows:
      • Cashback earned for departmental, online, and tech are 2%, 1%, and 2%, respectively.
    • Earn 0.2% cash rebate on all other categories apart from the one you have opted for.
    • Switch to another category any time you want as per your requirements.
    • The annual fees of this card are waived when you swipe a minimum of 12 times per year.
    • Pay your credit card easily through the Hong Leong Connect facility.

    How Does the Card Work

    Let Us Illustrate:

    To understand how the Mach Lifestyle card works, let’s take the example of Mach Credit Card. In our example, the cardholder has opted for the Social Package and have spent RM1,500 a month.

    When the cardholder spends RM1,500 per month on their preferred categories and on other retail transactions, they earn RM31.8 as cashback, out of which RM30 cash rebate is earned from the chosen categories and RM1.8 is from other retail purchases. Since the cashback will be rounded off to the nearest Ringgit Malaysia, you will earn RM32 for this particular month. The cardholder can earn only up to RM100 every quarter on their preferred categories and RM50 per month for all other retail transactions.

    The following table will explain the break-up of the transactions.

    Type of Transaction Amount Spent Cashback Earned Total Cashback
    Movie Ticket Purchases RM200 10% 20
    Night Club Spends RM200 2% 4
    Rock Concert Ticket Purchases RM200 3% 6
    Air Ticket Purchases RM300 0.2% 0.6
    Mobile Bill Payment RM100 0.2% 0.2
    Grocery Purchases RM500 0.2% 1

    Fees and Charges

    Factors Charges
    Annual Fee (Principal Card) RM160.
    Annual Fee (Supplementary Card) RM80.
    Cash Advance Interest Rate 15% to 18% p.a.
    Cash Withdrawal Fee 5% of the cash advance amount or a minimum of RM20, whichever is higher.
    Retail Interest Rate 18% p.a.
    Late Payment Fee 1% of the total outstanding balance or a minimum of RM10, whichever is higher, subject to a maximum of RM100.
    Minimum Monthly Payment 5% of the outstanding balance or a minimum o RM50, whichever is higher.

    Eligibility Criteria

    Factors Eligibility
    Income Requirements RM24,000 p.a.
    Age Requirements (Principal Card) 21 years.
    Age Requirements (Supplementary Card) 18 years.

    Required Documents

    Employment Type >Documents Required
    Salaried Professionals Any one of the following documents:
    • Latest 3 months’ salary slips.
    • Latest EPF statement with at least 6 months contribution.
    • Latest EA Form.
    Self-employed Professionals Any one of the following documents:
    • Latest 6 months’ company bank statements.
    • Latest Form B along with tax payment receipt.

    How to Apply

    Mode Process
    Mode of Application
    • Visit the nearest Hong Leong Bank branch along with the mandatory documents.
    • Request for the application form for the Mach Credit Card.
    • Fill up the credit card application form.
    • Submit the completed form along with the mandatory documents.

    If you are looking for a credit card that offers cashback when you attend concerts, watch movies, or attend high-profile parties, you can opt for the Mach Credit Card, the lifestyle credit card offered by Mach. You can opt for the social package which gives cashback on movies, nightlife and music and events. You have the option to switch to another category and also include extra categories from the add-on package.

    Mach Credit Card

    Mach Credit Card Mach Credit Card
    Annual Fee: S$180 Who Is It For: Who need spend flexibility What You Get: Purchase & travel protection
    Show Me Details

    Credit Card Benefits

    • Earn 0.2% cash rebate on all other categories apart from the one you have opted for.
    • Switch to another category any time you want as per your requirements.
    • The annual fees of this card are waived when you swipe a minimum of 12 times per year.
    • Pay your credit card easily through the Hong Leong Connect facility.

    Mach Credit Card Hotline

    Mach Cards maintains a designated hotline for most of its cards. Call these numbers if you want to block or unblock the cards, need overseas assistance or any other card-related help.

    Find More

    What Else Do I Need to Know?

    Will I be charged for if I chose any of the categories from the Add-on category?

    Yes. You will be charged a fee of RM5 for each add-on category you opt for every quarter. You can discontinue using the add-on categories any time you want, but you won’t be able get refund on the quarterly fees.

    Are there any exclusions to earn cashback?

    Yes. You can only earn cashback from the preferred categories and all other retail purchases. You won't be entitled to earn cashback for the following:

    • Cash advances
    • Cash-On-Call
    • Flexi Payment Plan
    • Balance Transfer plans
    • Finance charges
    • Late payment charges
    • Annual fees.
    • Any fraudulent transactions.

    How can I check the cashback I have earned?

    The cashback you earn for your preferred categories or other retail transactions will be calculated on the first day of each month. The amount will be rounded off to the nearest Ringgit Malaysia, credited to your savings/current account, and will reflect in your monthly statement. You can check the cashback you have earned on the e-statement you receive every month.

    Which are the participating partner merchants for the Social package?

    The participating partner merchants for the Social package are as follows:

    • Movies
      • GSC
      • TGV
      • MBO
      • Cathay
      • Cineleisure
      • And all other movie outlets
      • MCC 7832
    • Music and events
      • AirAsia RedTix
      • TicketCharge
      • TicketPro
      • And all rock corner outlets
    • Nightlife
      • Finnegan's
      • Hard Rock Café
      • Overtime, Sid's Pubs
      • The Library
      • twenty.one
      • Red Box
      • Zouk
      • MCC 5813

    Will I get a fee waiver with this card? Can the cashback be used to offset the annual fee?

    Yes. You can get a waiver on the card’s annual fee when you swipe a minimum of 12 times per year. If you use swipe your card lesser than 12 times a year, you will have to pay the annual fees. You can use the cashback to offset the annual fee. However, you won’t get any cashback when you make the annual fee payment.

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