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    Mach Travel Credit Cards

    Mach by Hong Leong Bank offers two credit cards for its customers, among which, one of the cards – Mach Signature Credit Card offers travel-related benefits. Enjoy the faster way of accumulating air miles as and when you spend with this credit card.

    Read on to learn more about the benefits and privileges offered by this card.

    Mach Signature Credit Card

    Spend Category Spend in Ringgit Enrich Miles Earned
    Local Spend RM3 1
    Overseas Spend RM2 1

    Features and Benefits

    • Accumulate Enrich Miles on every RM1 spent in Malaysia and overseas.
    • Travel safely with the travel accident and inconvenience cover of up to RM1.5 million.
    • Enjoy 2x complimentary Plaza Premium Lounge visits with a minimum spend of RM50,000.
    • Connect with Visa Help Desk to enjoy concierge services and assistance on travel packages.
    • Get preferential foreign exchange rates at Hong Leong Bank Bureau de Change.
    • Opt for a repayment period of up to 6 months at 0% interest on your overseas purchases.

    How Do Mach Travel Benefits Work?

    According to the rewards programme of the card, every RM3 you spend in Malaysia will get you 1 Enrich Mile and every RM2 you spend overseas will get you 1 Enrich Mile.

    Case 1: If you have spent RM3,000 on local spend and RM2,000 on overseas spend, then you can get 1,000 Enrich Miles on local spend and 1,000 Enrich Miles on overseas spend summing up to 2,000 Enrich Miles.

    Case 2: If you spend RM2,000 on local purchases and RM3,000 on overseas retail purchases, then you will receive 666 Enrich Miles and 1,500 Enrich Miles respectively. On the whole, you can earn 2,166 Enrich Miles.

    Case Spend Category Amount Spent Enrich Miles Conversion Total Enrich Miles Earned
    Case 1 Local Spend RM3,000 RM3,000/3 = 1,000 2,000
    Overseas Spend RM2,000 RM2,000/2 = 1,000
    Case 2 Local Spend RM2,000 RM2,000/3 = 666.667 ~ 666 2,166
    Overseas Spend RM3,000 RM3,000/2 = 1,500

    Fees and Charges

    Key Factors
    Annual Fee (Principal Card) Waived
    Annual Fee (Supplementary Card) Waived for the first 3 cards
    Finance Charges 15% p.a.-18% p.a. based on the repayment pattern in the last 12 months
    Minimum Monthly Payment 5% of the balance or a minimum of RM50, whichever is higher
    Late Payment Penalty 1% of the outstanding balance or RM10, whichever is higher; a maximum penalty of RM100 can be charged
    Cash Advance Fee Per Transaction 5% of the advance amount or a minimum of RM20, whichever is higher
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis

    Eligibility Criteria

    Factory Eligibility
    Minimum Age Criterion (Principal Cardholder) 21 years
    Minimum Age Criterion (Supplementary Cardholder) 18 years
    Minimum Annual Income Requirement RM24,000

    Documents Required

    Mode Documents
    Salaried Employees
    • Recent 3 months’ salary slip
    • Recent EPF statement having a minimum of 6 months’ contribution
    • Recent EA Form
    Self-employed Individuals
    • Recent 6 months’ company bank account statement
    • Latest Form B with the tax payment receipt

    Applying for Mach Travel Credit Cards

    Mode Process
    Online Mode 1
    • Visit the bank’s website
    • Fill up the application form
    • Upload the required documents
    • Click on the “Submit” button
    Online Mode 2
    • Enter your contact details in the form provided on the website
    • Submit the details to the bank online
    • The bank representatives will call you to guide you through the application process
    Offline Mode
    • Visit the nearest branch office
    • Fill up the application form
    • Attach the required documents
    • Submit them to the branch

    If you are a frequent flyer, then the Mach Signature Credit Card may be the right one for you. This is because you can earn Enrich Miles straightaway on every ringgit you spend in Malaysia and overseas. If you’re able to fulfil all the eligibility requirements, go ahead and apply for the card.

    FAQs on Mach Travel Credit Cards

    Q. Should I be an Enrich Member to enjoy the benefits of the card?

    A. Yes. You have to be an Enrich Member to enjoy the benefits of the card. If you are not one, the bank will initiate a process with Malaysian Airlines to make sure that you enrol as an Enrich Member.

    Q. Do I get Enrich Miles when I spend on petrol transactions?

    A. No. The card does not consider petrol transactions to award Enrich Miles.

    Q. Are there any other categories that are not considered to award Enrich Miles?

    A. Yes. The card specifies that a few categories which are not considered to award Enrich Miles, such as quasi-cash, Call-For-Cash, Flexi Payment Plan, Balance Transfer, finance charges, late payment charges, annual fee payment, cash advance, and government-related transactions.

    Q. Is there any restriction to get the travel accident insurance coverage?

    A. The travel accident insurance for you and your dependents is offered only if you charge the entire cost of your flight tickets to your credit card.

    Q. Can I redeem air miles from an airline with Mach Signature Credit Card?

    A. No. The card only offers Enrich Miles on your retail spends.

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