Mach by Hong Leong Bank offers 2 credit cards—a cashback card and a travel card. Use the cards for your local and overseas purchases to earn rebates, Enrich Miles, and more.
| Card Name | Ideal For | Key Benefits | Annual Fee | Annual Income |
|---|---|---|---|---|
| Mach Credit Card | Movies. | Up to 10% cash rebate on movies. | RM160. | RM24,000. |
| Mach Signature Credit Card | Travel. | Earn Enrich Miles directly on your retail spend. | Waived. | RM24,000. |
Note: The applicable finance charges for all the cards in the table above varies from 15% p.a. to 18% p.a. based on the repayment behaviour.
Zero Interest Plan
Travel Accident and Inconvenience Insurance
| Age Criterion (Principal Card) | 21 years or more. |
| Age Criterion (Supplementary Card) | 18 years or more. |
| Minimum Annual Income Criterion | RM24,000. |
Salaried Employees:
Self-employed Applicants:
| Types of Fees | Charges |
|---|---|
| Annual Fee (Principal Card) | Mach Credit Card—RM160. |
| Mach Signature Credit Card—Waived. | |
| Annual Fee (Supplementary Card) | Mach Credit Card—RM80. |
| Mach Signature Credit Card—Waived for the first 3 cards. Subsequent cards—RM300. | |
| Finance Charges | 15% p.a. to 18% p.a. |
| Minimum Monthly Payment | 5% of the statement balance or a minimum of RM50, whichever is higher. |
| Late Payment Fee | 1% of the total outstanding balance or a minimum of RM10, whichever is higher. |
| Cash Advance Fee | 5% of the cash advance amount or RM20, whichever is higher. |
| Cash Advance Interest Rate | 18% p.a. |
| Overseas Transaction Charge | The conversion rate is determined by Visa/Mastercard; it includes a transaction fee and an administration cost as imposed by the bank. |
Activation Methods:
PIN & PAY
A PIN is a 6-digit Personal Identification Number that has to be entered to authenticate a transaction made with your card. You must not disclose the PIN to anybody or write it down on the card for security purposes. This saves your card from fraud when your card is lost or stolen.
You have to notify the bank if someone could find out your PIN. If you forget your PIN, you can call the Contact Centre at 03-76268899 and get a temporary PIN. The temporary PIN will be sent via SMS to your registered mobile number.
Lost Card Liability
Q. What is the minimum cash rebate permitted?
A. The minimum cash rebate permitted is RM1.
Q. What is the minimum credit limit applicable?
A. The minimum credit limit for Mach Signature Credit Card is RM20,000 and for Mach Credit Card is RM2,000.
Q. Is there a way to skip paying finance charges?
A. Yes. You have to repay the purchase amount in full within 20 days from the statement date to skip paying finance charges.
Q. What is the fee applicable if I choose an add-on category?
A. You have to pay a fee of RM5 per add-on category per quarter.
Q. Can I get complimentary Plaza Premium Lounge access from the second year onwards?
A. Yes. You can get 2x complimentary Plaza Premium Lounge access from the second year if you qualify for the minimum spend criterion. A minimum spend of RM50,000 must be done with your card in a year to get complimentary lounge access.
