Credit Card
Q: Who is eligible to apply for a Hong Leong Credit Card?
A:
- Principal card applicants must be at least 21 years old while supplementary card applicants must be at least 18 years old.
- Applicant must meet the minimum income requirement for the respective card type as per table below.
Card Type |
Minimum Income Requirement |
|---|---|
I’m |
RM24,000 p.a. |
Essential |
RM24,000 p.a. |
Wise |
RM24,000 p.a. |
Gold |
RM24,000 p.a. |
Sutera Platinum |
RM36,000 p.a. |
GSC |
RM24,000 p.a. (Gold) RM60,000 p.a. (Platinum) |
airasia |
RM24,000 p.a. (Gold) RM60,000 p.a. (Platinum) |
Emirates |
RM60,000 p.a. (Platinum) RM90,000 p.a. (World) RM250,000 p.a. (World Elite) |
Hong Leong Infinite |
RM150,000 p.a. |
- Eligible to Malaysia Citizens, Permanent Residents, Foreigners living in Malaysia
- Must have an email address and mobile phone number (for correspondence purposes)
Note: In line with the issuance of the revised Credit Card Guidelines on 18 March 2011, the minimum income eligibility for new credit cardholder is set at RM24,000 per annum. Credit cardholders who earn RM36,000 per annum or less can only hold credit cards from a maximum of two (2) issuers. In addition, the maximum credit limit extended to the credit cardholder shall not exceed two (2) times of their monthly income per issuer.
Q: Can I apply for a Hong Leong Credit Card if I’m unable to provide the relevant supporting income documents?
A: Yes, you may apply for a secured credit card by making a fixed deposit pledge. Find out more at our Secured Credit Card with Fixed Deposit webpage.
Q: If I am a first-time Hong Leong Credit Card applicant, can I submit my application online?
A: Yes, you may log on to www.hlb.com.my and click on the ‘Apply Online’ button to apply for your preferred credit card.
Q: Do I have to complete my online applications at one go?
A: No, you don't have to. Instead, you may choose to do so in parts, but please remember to continue from your existing form by clicking ' Access/Track My Application ' screen at Hong Leong Bank’s website.
Q: If I am an existing Hong Leong Credit Cardholder, can I apply online for an additional card?
A: Yes. You may log on to your Hong Leong Online Banking and apply for an additional card at Apply/Track section.
Q: If I am an existing Hong Leong Credit Cardholder, can I apply online for an supplementary card?
A: No. Please visit your nearest branch for supplementary card application.
Q: How do I check my application status online?
A: You may log on to www.hlb.com.my and click on the 'Access/Track My Application' button to check on the status of your online application.
Q: Is it secure to apply for a Hong Leong Credit Card online?
A: Yes. Our website is encrypted with the Secure Socket Layer (SSL) protection. Hence, all data communicated within the system is secure and protected from unauthorised usage or access.
Q: What supporting documents do I have to submit together with my online application?
A:
You need to provide us the below documents once your application has been approved in principle.
- Photocopy of your NRIC (both sides) or Passport (valid for at least six (6) months at the time of application) for non-Malaysians (including supplementary applicant's), and
- Supporting income documents as set out in the table below:
Source of Income |
Documents required |
|---|---|
Salaried employees |
Established MNC Latest EPF statement (min. of 6 months contributions); OR Latest 3 months salary slip (computer printed)
NON-MNC Latest EPF statement (min. of 6 months contributions); OR Latest 3 months salary slip (computer printed); AND any one of the following: • Latest full set of BE form with tax receipt • Latest EA form (with latest EPF Statement only) • Latest 3 months salary crediting bank statements |
Self Employed |
Latest business registration form; AND Latest full set of B form with tax receipt; OR Latest 6 months company bank statements |
Salaried expatriate |
Latest 3 months salary slip (computer printed); AND Work permit valid for at least 6 months at the time of application; OR Letter of employment dated within the last 3 months |
Any additional income documents may be required at the discretion of the bank.
Q: How long does it take for Hong Leong Bank to process my application?
A: Hong Leong Bank requires approximately seven (7) working days upon receiving the required supporting documents to complete the evaluation of your application. Notification on the status of your application will be informed to you via email.
Q: How do I get my new Hong Leong Credit Card?
A: You may opt for Home or Office delivery during your application. For Sabah and Sarawak, an additional option to collect at your nearest branch is available.
Q: The bank has requested me to collect my credit card at the branch, can I send a representative to collect my new Hong Leong Credit Card on my behalf?
A: No. For security reasons, you need to be physically present at the branch to perform thumb print verification with your Identification Card (MyKad) when you collect your card.
Q: How soon can I collect my new Hong Leong Credit Card?
A: Upon receiving notification of approval, your card will be delivered within ten (10) business days. However, there may be some unforeseen circumstances where delivery may be delayed (For example, due to logistic delays during festive seasons).
Forms and Downloads:
- Aged 21 to 65 years old (Minimum 25 years old for Platinum Business Card)
- Malaysian citizen or permanent residents
- Annual income of RM24,000 and above
Employed |
Self-Employed |
|---|---|
|
|
Note:
- The above documents have to be independently verifiable.
- Other form of income substantiation may be acceptable on case to case basis e.g. Tenancy Agreement.
Click here to download Cardholder Agreement.
Click here to download Product Disclosure Sheet.
We offer the following range of convenient credit card payment / transactions options via our e-Banking Services channel:
- Online Banking
- Mobile Banking
- Phone Banking
- e-Banking Centres
Online Banking
Why rush all the way to the bank to queue up to make your credit card transactions when you could do all that from the comfort of your own home? Log online now to enjoy the following benefits that saves you time & money:
Obtain Card Information
Find out when is your outstanding credit card balance, payment due date & minimum amount due.
Bonus Point Enquiry / Gift Redemption
View our gift catalogue, redeem your gifts online & find out about your bonus point accumulation & mode of gift collection available.
Transaction Details
View your latest 6 months credit card statements that are almost identical to the ones that you'd receive via post mails (principal & supplementary account details).
You can also view your recent credit card purchase that is not listed in your latest credit card monthly statement (principal & supplementary account details).
Request for Credit Card T-PIN
Now you can also request for your credit card T-PIN online! You'll need your T-PIN to access to your E-Banking services.
If you have a Deposit Account with us, you get to enjoy some additional features that will certainly enhance the level of convenience that you'll enjoy from our online banking channel.
Here's how you can utilize our online transactional benefits to the fullest:
Credit Card Payment
You can perform your own & other's credit card payment online.
Alternatively, you may also arrange for a future dated credit card payment.
Standing Instructions
You can also opt for a standing instruction for your credit card payments. Customers are given the option of minimum or full settlement of their credit card bills.
If you have not registered yet, please do so now. Click here to register but if you do not have a T-PIN yet, find out how to create one.
Mobile Banking
If you are a busy person always on-the-go, the Hong Leong Mobile Banking Services bring banking to your fingertips!
Imagine being able to check your credit card balance(s) via your mobile phone when you're stuck in a massive traffic jam. You can also check your credit limit through our Mobile Banking services, amongst other services provided via our innovative channel.
Phone Banking
If you can't log online to perform your credit card transactions, why not consider doing it the alternative way? Just pick up your phone & wriggle away your worries on your credit card payments in just a few simple steps! Here's what you can do:
- Check Outstanding Credit Balance
- Perform Credit Card Payment (only applicable for those with a Hong Leong Deposit Account)
- Credit Card Statement Request
- Bonus Points Enquiries
- Change Credit Card T-PIN
- Gift Redemption
To start your phone banking transactions or to find out more, call 03 - 7626 8899.
e-Banking Centres
If you happen to be in the neighbourhood, why not drop by any of our branches located nationwide to perform your credit card transactions? Here's a brief list of what you can do at our e-Banking Centres:
Credit Card Payment
Settle your credit card payments by depositing cash / cheque payment via our Cash / Cheque Deposit Machines, which are conveniently available at our e-Banking Centres.
If you are a Hong Leong Deposit Account customer, you can also opt to submit your payment by utilizing the Automated Teller Machine (ATM)
Effective November 2017, we will stop mailing out hardcopy bank statements by batches.
Features & Benefits
The card that gives you the best value for your money.
You have the flexibility of either settling your outstanding balance in your account in full or partially (subject to minimum monthly payment of 5% or RM50, whichever is higher by the payment due date).
You have various payment options from cash/cheque deposit to phone and online banking
Hong Leong Club Rewards – The more you spend, the bigger your rewards
Every RM 1 charged to your Hong Leong Classic Credit Card for retail purchases, earns you 1 Rewards Point. You can accumulate Rewards Points to redeem for gifts, hotel and dining vouchers, frequent flyer miles or pay for your annual fee. Furthermore, you can even use your Rewards Points to pay for your purchases at participating merchant outlets via our On-the-Spot Points redemption. Click here for the Hong Leong Club Rewards Programme Terms and Conditions.
Extended Payment Plan (EPP)
Purchase your dream items while stretching your payment tenure with our 0% interest installment plan for 6-month and 12-month
24-hour Cash Accessibility
You have access to cash at over 500,000 Express Cash Network and Visa PLUS ATMs worldwide
Cash-On-Call
Call for your emergency cash of up to 90% of your card's available credit, and pay in affordable monthly installments at a low interest rate of only 9.88% p.a.
Enjoy the convenience of auto-reload with Hong Leong Touch'n Go Zing Card
Hong Leong Touch’n Go Zing Card with an automatic reload features is linked to your Hong Leong Credit Card. Every time your Hong Leong Touch’n Go Zing Card balance falls below RM50, it will automatically reload RM100 and the amount will be charged to your Hong Leong Credit Card. To find out more click here
Freedom of financial flexibility and repayment options
Features & Benefits
Travel smart with the must-have travel companion – the Hong Leong MATTA Credit Card. Specially crafted to reward the travel-loving consumer, we aim to please and provide convenience at every step of your holiday planning.
1% Cashback on Overseas Shopping
Overseas shopping has never been more fun! Your MATTA credit card awards you with 1% Cashback every time you transact overseas. So, even if you're buying souvenirs or gifts for friends - you get rewarded too! Online transactions included.
Complimentary Entry to Plaza Premium Lounge
Get refreshed, relax and unwind with complimentary amenities and refreshments at the Plaza Premium Lounge in KLIA while waiting to board your flight.
Complimentary Entrance to MATTA FAIR via VIP Express Lane
Enjoy sheer exclusivity with the MATTA Credit Card whenever you visit participating MATTA Fairs nationwide. Just present your MATTA Credit Card at the entrance and enter for free via the VIP Express Lane. Complimentary entry is awarded to cardholder and one guest.
Preferential Forex Rate
Purchase foreign currency at preferential rates at Hong Leong Bank Bureau de Change at KLIA 2 and Mahkota Parade, Melaka.
Hong Leong Club Rewards - The more you spend, the more your rewards
Your Hong Leong MATTA Credit Card is big on value. On top of all its other fantastic privileges, it also gives you Reward Points. Every RM 1 charged to your Hong Leong MATTA Credit Card for retail purchases, earns you 1 Rewards Point. You can accumulate Rewards Points to redeem for gifts, hotel and dining vouchers, frequent flyer miles or pay for your annual fee. Furthermore, you can even use your Rewards Points to pay for your purchases at participating merchant outlets via our On-the-Spot Points redemption. Click here for the Hong Leong Club Rewards Programme Terms and Conditions.
Annual Fee Waiver
Automatically enjoy a waiver on your annual fee with a minimum swipe of 1 retail transaction within 45 days from the card approval date. Subsequent year annual fee waiver is subject to a minimum of 12 retail transactions per annum.
Enjoy the convenience of auto-reload with Hong Leong Touch'n Go Zing Card
Hong Leong Touch’n Go Zing Card with an automatic reload features is linked to your Hong Leong Credit Card. Every time your Hong Leong Touch’n Go Zing Card balance falls below RM50, it will automatically reload RM100 and the amount will be charged to your Hong Leong Credit Card. To find out more click here
A. PROMOTIONAL CAMPAIGN OFFER
20% Cashback on Travel Expenses
For New MATTA Cardholders
- New MATTA cardholders enjoy 20% Cashback on travel expenses for the first 30 days following card approval.
- Cashback is capped at RM100 per customer (Principal and Supplementary cardholders collectively).
General T&C governing the Promotional Campaign Offer
- 20% Cashback will be awarded on all eligible travel expenses charged to the Hong Leong MATTA Credit Card.
- Eligible travel expenses shall include purchase of flight tickets, airport limo service, Electric Rail Link (ERL) and duty free shopping only at The Flying Emporium, Eraman and The Zon (hereinafter collectively referred to as “Eligible Transaction”) at the Kuala Lumpur International Airport (KLIA) and the Kuala Lumpur International Airport 2 (KLIA2).
- Eligible travel expenses performed by both Principal and Supplementary cardholders collectively shall enjoy the 20% Cashback. However, Cashback will only be credited to the Principal Credit Card within 2 statement cycles following the posting of the Eligible Transactions.
- Only posted Eligible Transactions are eligible for 20% Cashback. Others such as fee charges, credit entries, chargebacks, balance transfers and recurring ZIIP payments are not eligible for the Cashback.
- If the posted Eligible Transaction is/are subsequently reversed, the Bank reserves the absolute right to debit the credit card account with the equivalent Cashback value.
B. MATTA CREDIT CARD OFFER
The offer consists of the following cardholder’s privileges:
1% CASHBACK ON FOREIGN CURRENCY SPEND
- The 1% Cashback is only applicable for retail transactions posted in foreign currencies other than Ringgit Malaysia (RM) (“Eligible transactions”) on the Hong Leong MATTA Credit Card.
- 1% Cashback is capped at RM100 per customer per month (Principal and Supplementary cardholders collectively).
- Eligible transactions performed by both Principal and Supplementary cardholders collectively are entitled to the 1% Cashback. However, cashback will only be credited to the Principal Credit Card within 2 statement cycles following the posting of the Eligible Transactions.
- Only posted retail transactions in foreign currencies are eligible for 1% Cashback. Others transactions such as HLB Balance Transfers, HLB My Payment Plan, recurring ZIIP payments, fee charges, credit entries and chargebacks are not eligible for the 1% Cashback.
- If the posted retail transaction for the foreign currency spent is subsequently reversed, the Bank reserves the absolute right to debit the credit card account with the equivalent Cashback value.
- PLAZA PREMIUM LOUNGE
- Complimentary entry to the Plaza Premium Lounge at KLIA is available to all Hong Leong MATTA Credit Cardholders (Principal and Supplementary) upon presenting (at the point of entry to the Plaza Premium Lounge at KLIA) their Hong Leong MATTA Credit Card.
- Complimentary entry is available to the first 50 Hong Leong MATTA Credit Cardholders, offered on a first come, first served basis.
- Hong Leong MATTA Credit Cardholders are to check with the management of Plaza Premium Lounge at KLIA for further information with regards to availability of the complimentary entry for Hong Leong MATTA Credit Cardholders.
- Hong Leong MATTA Credit Cardholders who enters the Plaza Premium Lounge at KLIA after the monthly quota is fulfilled, are required to pay the retail price as determined by Plaza Premium Lounge.
- PREFERENTIAL FOREX RATES AT HONG LEONG BANK'S BUREAU DE CHANGE (BDC)
- Preferential rates are offered to Hong Leong MATTA Credit Cardholders for purchase of the following currencies:
- U.S. Dollar (USD)
- Sterling Pound (GBP)
- Australian Dollar (AUD)
- Euro (EUR)
- Singapore Dollar (SGD)
- Brunei Dollar (BND)
- Hong Kong Dollar (HKD)
- Japanese Yen (JPY)
- Thai Baht (THB)
- Chinese Renmimbi (CNY)
- Preferential rates on foreign currency purchase as above, is only available at HLB BDCs at Kuala Lumpur International Airport 2 (KLIA2) and Makhota Parade, Melaka.
- In order to enjoy preferential rates, the Hong Leong MATTA Credit Cardholder have to present evidence of travel arrangement (flight ticket(s)/flight booking(s)/boarding pass(es)) and a Hong Leong MATTA Credit Card in their name.
- A minimum transaction of RM500 is required for Hong Leong MATTA Credit Cardholders to be eligible for the preferential rates.
- Rates offered for currencies are subject to change as determined by Hong Leong Bank BDC.
- Preferential rates are offered to Hong Leong MATTA Credit Cardholders for purchase of the following currencies:
C. GENERAL
- Hong Leong Bank (HLB) reserves the right at any time to add, delete, suspend or vary the Offer and its Terms & Conditions (T&C) as contained herein, wholly or in part, at its absolute discretion by way of posting on the website (www.hlb.com.my), or in any other mode of communication deemed appropriate 7 days prior the implementation of the revised terms and conditions. The Cardholders are to access the website at regular time intervals to view the T&C and to ensure that they are kept up-to-date with any changes or variations to the T&C.
- For the avoidance of doubt, cancellation, termination, suspension or extension of the Campaign and /or the Campaign Period and/or Offer Period and variation to the promotion terms and conditions of the Campaign and shall not entitle the Customers to any claims or compensation against HLB for any and all losses or damages suffered or incurred by the Customers as a direct or indirect result of the act of cancellation, termination, suspension or extension or amendments by HLB.
- Hong Leong MATTA Credit Cardholders shall not be entitled to claim for any compensation against HLB for any and all loss and damage suffered or incurred by the participants whether as a direct or indirect result of the act of amendments, cancellation, termination or suspension of the Offer.
- HLB’s failure to enforce a particular term and condition does not constitute a waiver of that term and condition by Hong Leong Bank.
- HLB may at its sole and absolute discretion, disqualify any credit cardholders from the Offer and reserve the right not to allow the credit cardholder to enjoy the Offer.
- Any complaints or disputes concerning the Offer shall be settled between the Cardholder and the Merchant directly without recourse to the Bank.
- All offers as offered by HLB merchants shall be further governed by their own Terms & Conditions.
- The terms and conditions in this document shall be governed by and construed in accordance with the laws of Malaysia and the customers agree to submit to the non-exclusive jurisdiction of the Courts of Malaysia.
Terma & Syarat
A. TAWARAN KEMPEN PROMOSI
20% Pulangan Tunai atas Perbelanjaan Perjalanan
Untuk Pemegang Kad MATTA Baharu
- Pemegang kad MATTA baharu akan menikmati 20% Pulangan Tunai atas perbelanjaan perjalanan selama 30 hari pertama selepas kad diluluskan.
- Pulangan tunai dihadkan kepada RM100 setiap pelanggan (secara kolektif merujuk kepada pemegang kad Prinsipal dan Tambahan).
Terma & Syarat Am Tawaran Kempen Promosi
- 20% Pulangan Tunai akan diberikan untuk semua perbelanjaan perjalanan layak yang dicajkan kepada Kad Kredit MATTA Hong Leong.
- Perbelanjaan perjalanan layak merangkumi pembelian tiket penerbangan, perkhidmatan limo lapangan terbang, Electric Rail Link (ERL) dan pembelian bebas cukai hanya di The Flying Emporium, Eraman dan The Zon (selepas ini dirujuk secara kolektif sebagai “Transaksi Layak”) di Lapangan Terbang Antarabangsa Kuala Lumpur (KLIA) dan Lapangan Terbang Antarabangsa Kuala Lumpur 2 (KLIA2).
- Perbelanjaan perjalanan layak yang dilakukan oleh kedua-dua pemegang kad Prinsipal dan Tambahan secara kolektif akan menikmati 20% Pulangan Tunai. Bagaimanapun, Pulangan Tunai hanya akan dikreditkan ke dalam Kad Kredit Prinsipal dalam masa 2 kitaran penyata selepas Transaksi Layak dipaparkan.
- Hanya Transaksi Layak yang dipaparkan layak mendapat 20% Pulangan Tunai. Lain-lain perbelanjaan seperti caj yuran, kemasukan kredit, caj semula, pindahan baki dan bayaran ZIIP berulang tidak layak untuk Pulangan tunai.
- Jika Transaksi Layak yang dipaparkan dibatal dan dikredit semula, Bank mempunyai budi bicara mutlak untuk mendebit akaun kad kredit dengan nilai yang setara Pulangan Tunai.
B. TAWARAN KAD KREDIT MATTA
- Tawaran merangkumi keistimewaan pemegang kad seperti berikut:
- 1% PULANGAN TUNAI ATAS PERBELANJAAN DALAM MATAWANG ASING
- 1% Pulangan Tunai hanya sah untuk perbelanjaan runcit yang dipaparkan dalam matawang asing selain dari Ringgit Malaysia (RM)(“Transaksi Layak”) menggunakan Kad Kredit MATTA Hong Leong.
- 1% Pulangan Tunai dihadkan kepada RM100 setiap pelanggan setiap bulan (secara kolektif merujuk kepada pemegang kad Prinsipal dan Tambahan).
- Transaksi layak yang dilakukan oleh kedua-dua pemegang kad Prinsipal dan Tambahan secara kolektif berhak mendapat 1% Pulangan Tunai. Bagaimanapun, pulangan tunai hanya akan dikreditkan ke dalam Kad Kredit Prinsipal dalam masa 2 kitaran penyata selepas Transaksi Layak dipaparkan.
- Hanya transaksi runcit dipaparkan dalam matawang asing layak mendapat 1% Pulangan Tunai. Transaksi lain seperti HLB Balance Transfers, HLB My Payment Plan, bayaran ZIIP berulang, caj yuran, kemasukan kredit dan caj semula tidak layak mendapat 1% Pulangan Tunai.
- Jika transaksi runcit dalam matawang asing yang dipaparkan dibatal dan dikredit semula, Bank mempunyai budi bicara mutlak untuk mendebit akaun kad kredit dengan nilai yang setara Pulangan Tunai.
- PLAZA PREMIUM LOUNGE
- Masuk secara percuma ke Plaza Premium Lounge di KLIA untuk semua Pemegang Kad Kredit MATTA Hong Leong (Prinsipal dan Tambahan) apabila mereka menunjukkan Kad Kredit MATTA Hong Leong (di pintu masuk Plaza Premium Lounge di KLIA) .
- Masuk secara percuma disediakan untuk 50 Pemegang Kad Kredit MATTA Hong Leong yang pertama, ditawarkan atas dasar siapa cepat.
- Pemegang Kad Kredit MATTA Hong Leong dikehendaki menyemak dengan pengurusan Plaza Premium Lounge di KLIA untuk maklumat lanjut mengenai kesediaan masuk secara percuma.
- Pemegang Kad Kredit MATTA Hong Leong yang memasuki Plaza Premium Lounge di KLIA selepas kuota bulanan dipenuhi, perlu membayar harga runcit seperti ditetapkan oleh Plaza Premium Lounge.
- KADAR KEUTAMAAN TUKARAN MATAWANG ASING DI BUREAU DE CHANGE (BDC) HONG LEONG BANK
- Kadar keutamaan ditawarkan kepada Pemegang Kad Kredit MATTA Hong Leong yang membeli matawang berikut:
- Dolar A.S (USD)
- Pound Sterling (GBP)
- Dolar Australia (AUD)
- Euro (EUR)
- Dolar Singapura (SGD)
- Dolar Brunei (BND)
- Dolar Hong Kong (HKD)
- Yen Jepun (JPY)
- Baht Thai (THB)
- Renmimbi China (CNY)
- Kadar keutamaan untuk pembelian matawang asing di atas, hanya disediakan di BDC HLB di Lapangan Terbang Antarabangsa Kuala Lumpur 2 (KLIA2) dan Makhota Parade, Melaka.
- Untuk menikmati kadar keutamaan, Pemegang Kad Kredit MATTA Hong Leong perlu menunjukkan bukti urusan perjalanan (tiket penerbangan/tempahan tiket/pas masuk) dan Kad Kredit MATTA Hong Leong atas nama mereka.
- Transaksi minimum RM500 diperlukan untuk melayakkan Pemegang Kad Kredit MATTA Hong Leong mendapat kadar keutamaan.
- Kadar yang ditawarkan untuk matawang adalah tertakluk kepada perubahan sebagaimana ditentukan oleh BDC Hong Leong Bank.
- Kadar keutamaan ditawarkan kepada Pemegang Kad Kredit MATTA Hong Leong yang membeli matawang berikut:
- 1% PULANGAN TUNAI ATAS PERBELANJAAN DALAM MATAWANG ASING
C. AM
Hong Leong Bank (HLB) berhak pada bila-bila masa untuk menambah, memadam, menggantung atau mengubah Tawaran dan Terma & Syaratnya (T&C) yang terkandung di sini, sepenuhnya atau sebahagiannya, mengikut budi bicara mutlaknya dengan cara memaparkannya di laman sesawang (www.hlb.com.my), atau menggunakan sebarang kaedah komunikasi yang dianggap wajar tujuh (7) hari sebelum menguatkuasakan terma dan syarat yang disemak. Pemegang Kad dikehendaki melayari laman sesawang secara tetap untuk menyemak T&C dan memastikan mereka mengetahui maklumat terkini mengenai sebarang perubahan atau variasi kepada T&C.
Untuk mengelakkan keraguan, pembatalan, penamatan, penggantungan atau pelanjutan Kempen dan/atau Tempoh Kempen dan/atau Tempoh Tawaran dan variasi kepada terma dan syarat Kempen tidak melayakkan Pelanggan untuk membuat sebarang tuntutan atau gantirugi terhadap HLB untuk sebarang dan semua kerugian atau kerosakan yang dialami atau ditanggung oleh Pelanggan yang disebabkan secara langsung atau tidak langsung oleh tindakan pembatalan, penamatan, penggantungan atau pelanjutan oleh HLB.
Pemegang Kad Kredit MATTA Hong Leong tidak berhak membuat sebarang tuntutan gantirugi terhadap HLB untuk sebarang dan semua kerugian dan kerosakan yang dialami atau ditanggung oleh pelanggan sama ada disebabkan secara langsung atau tidak langsung oleh tindakan pemindaan, pembatalan, penamatan atau penggantungan Tawaran.
Kegagalan HLB untuk menguatkuasakan terma dan syarat tertentu tidak membentuk pengenepian terma dan syarat tersebut oleh Hong Leong Bank.
HLB boleh, mengikut budi bicara mutlaknya, membatalkan kelayakan mana-mana pemegang kad kredit daripada Tawaran dan berhak untuk tidak membenarkan pemegang kad kredit daripada menikmati Tawaran.
Sebarang aduan atau pertikaian mengenai Tawaran hendaklah diselesaikan oleh Pemegang Kad dengan Saudagar tanpa melibatkan Bank.
Semua tawaran oleh saudagar HLB tertakluk kepada Terma & Syarat mereka sendiri.
Terma dan syarat yang terkandung di dalam dokumen ini adalah tertakluk di bawah dan dibentuk selaras dengan undang-undang Malaysia dan pelanggan bersetuju untuk berserah kepada bidang kuasa bukan- eksklusif Mahkamah Malaysia.
Features & Benefits
Platinum Rewards Privileges
- Enjoy a high credit limit of up to RM300,000
- With spending power to match your financial status, your Platinum Card gives you the luxury of living the lifestyle you wish. Furthermore, your Hong Leong Platinum Card is accepted at all preferred establishments worldwide so you can enjoy the convenience and flexibility of getting cash, and anything else you so desire with just one swipe.
- Depending on your outstanding balance for the month, enjoy up to 2% cash rebate monthly.
- The maximum cash rebates to be earned is RM1,000 p.a. per customer. The earned cash rebates will be credited in the following month's statement.
Below are the cash rebate tiers for your reference:
Opening Balance* (as shown on your current statement) |
Rate |
|---|---|
| RM 10,000 - RM 25,000 | 0.2% |
| RM 25,001 - RM 50,000 | 0.5% |
| Above RM 50,000 | 2.0% |
*Your previous statement balance amount less all payments and credit entries reflected in your current statement.
An example of how the cash rebate is awarded based on the rates above:
| Customer A | Customer B | Customer C | |
|---|---|---|---|
| Opening Balance | RM 10,000 | RM 25,001 | RM 50,001 |
| Total Retail Spending1 for the current month2 |
RM 6,000 | RM 6,000 | RM 6,000 |
| Cash Rebate Rate applicable | 0.2% | 0.5% | 2.0% |
| Cash Rebate Earned and reflected in the current statement)3 | RM 12.00 | RM 30.00 | RM 120.00 |
1 Spending refers to retail transactions (excluding cash advance, balance transfer, Cash-On-Call, EPP Conversion, fee charges, and credit entries.
2 Month refers to the period of 1 month calculated from one statement date to the next statement date.
3 Rebate is calculated on the retail spending of the month and will be credited into your account in the following month.
- Hong Leong Club Rewards - The more you spend, the more the rewards
Your Hong Leong Platinum Card is big on value. On top of the cash rebate, it also gives you Reward Points. Every RM 1 charged to your Hong Leong GSC Credit Card for retail purchases, earns you 1 Rewards Point. You can accumulate Rewards Points to redeem for gifts, hotel and dining vouchers, frequent flyer miles or pay for your annual fee. Furthermore, you can even use your Rewards Points to pay for your purchases at participating merchant outlets via our On-the-Spot Points redemption. Click here for the Hong Leong Club Rewards Programme Terms and Conditions.
- Annual Fee Waiver for Principal Card
The annual fee for Principal Card is RM400 (subject to Government Tax, if applicable). To enjoy the annual fee waiver for the Principal Card, Principal Cardholder must perform a minimum 12 retail transaction p.a. or RM15,000 retail transactions p.a.
- Annual Fee Waiver for Supplementary Card
The annual fee for Supplementary Card is RM200 (subject to Government Tax, if applicable). To enjoy the annual fee waiver for the Supplementary Card, Supplementary Cardholder must performed a minimum 12 retail transactions p.a. or RM15,000 retail transactions p.a.
Platinum Travel Privileges
- Enjoy preferential Forex Rates. We offer rates above our existing competitive rate so you can enjoy bigger savings each time you travel overseas. The preferential Forex rates are applicable for purchases of foreign currencies such as the USD, GBP, AUD, JPY, HKD, CAD and more, worth between RM30,000 and RM150,000. Rates are only applicable for purchases made at Hong Leong Bank branches.
Platinum Lifestyle Privileges
- Toll-free Platinum Customer Service Line
Should you require personal assistance or have any queries regarding your Platinum Card, our dedicated Customer Service is always ready to help, anytime, day or night. All you have to do is call 1-800-38-8830 or 03-7626-8899 (overseas).
- 24-hour Personal Concierge
As a Hong Leong Platinum Cardholder, you get to enjoy privileges from Visa Platinum Life and / or MasterCard Platinum Collection. Enjoy complimentary room upgrades at some of the world's finest hotels, attractive retail discounts, priority reservations for concert and theatre tickets, as well as premium bookings at 5-star restaurants. Whatever your desire, these privileges were specially designed to meet your discerning taste.
Should you require further assistance, please call 1-800-80-3006 for Visa Concierge or 1-800-80-4594 for MasterCard Global Service. For more details on these privileges, please visit www.visaplatinum.com and www.mastercardplatinumcollection.com respectively.
Enjoy the convenience of auto-reload with Hong Leong Touch'n Go Zing Card
Hong Leong Touch’n Go Zing Card with an automatic reload features is linked to your Hong Leong Credit Card. Every time your Hong Leong Touch’n Go Zing Card balance falls below RM50, it will automatically reload RM100 and the amount will be charged to your Hong Leong Credit Card. To find out more click here
Annual Fee
| Card Type | Principal Annual Fee* | Supplementary Annual Fee* |
|---|---|---|
| Insurance - Platinum Business | RM300 | RM150 |
| Matta Card | RM300 | RM150 |
| MRCA Gold and Platinum Card | RM400 | RM200 |
| Platinum Business | RM400 | RM200 |
| Visa Classic | RM80 | RM40 |
| Visa Signature | RM600 | RM300 |
| Visa & Mastercard | RM400 | RM200 |
*Subject to Government Tax, if applicable
Frequent Flyer Rewards
Fly for Free. Frequent flyer rewards are yet another privilege made more beneficial to our Hong Leong Visa Signature Cardholders. Convert your Rewards Points into Enrich Miles and redeem free flights, upgrades, shopping vouchers and more. With us, your reward points represent better value through our Enrich Miles conversions as follows:10,000 Rewards Points = 1,000 Enrich Miles
Complimentary Access to Plaza Premium Lounge
Enjoy access to Plaza Premium Lounge located in both Malaysia and Singapore.
- Enjoy up to 20% discount off published rate for accompanying guests.
- Cardholders are required to present their valid Hong Leong Credit Card and Boarding Pass to access the Plaza Premium Lounge.
Features and Benefits
Earn 1 Reward Point for every RM1 eligible retail spend with Hong Leong Gold Credit Card.
Annual Fees
The annual fee for principal Gold Card is Ringgit Malaysia One Hundred Sixty (RM160) (subject to Government Tax, if applicable) and the annual fee for supplementary Gold Card is Ringgit Malaysia Eighty (RM80) (subject to Government Tax, if applicable). A swipe of 1 transaction within 45 days of card issuance date gets you and your Supplementary cardholders the first year free.
Eligibility
- Aged 21 to 65 years old (Principal) | 18 years old (Supplementary)
- Minimum annual income RM24,000
INSURANCE - Hong Leong Platinum Business Credit Card
2% Cash Back On AIA life Annual Premium Transactions
Enjoy 2% cash back whenever you charge your AIA Life Annual premium transactions to your INSURANCE-Hong Leong Business Credit Card.
Applicable for Non-Zero interest installment Plan (ZIIP) transactions only.
0.5% Cash Back On All Retail Transactions
Shopping can be more rewarding for you! You will automatically receive 0.5% cash back whenever you make a retail transaction with your INSURANCE-Hong Leong Business Credit Card. The more you shop, the more you will be rewarded.
12-Month Zero Interest Installment Plan (ZIIP)*
Enjoy ultimate peace of mind and convenience when you convert your AIA Life Insurance premium payments into a 12-Month Zero Interest Installment Plan with absolutely no processing fee!
*Premium that exceeds RM601 and can be converted to 12-Month Zero Interest Installment Plan (ZIIP). It’s easy, just call us at 03 – 7626 8899.
Annual Fee Waiver
Annual Fee Waiver
That's right! Absolutely no annual fees at all! Both you and your Supplementary cardholders will automatically enjoy a waiver for the first year on your annual fee with a minimum swipe of 1 transaction within 45 days from card issuance date. Subsequent year annual fee will be waived if you spend at least 12 times on your INSURANCE - Hong Leong Platinum Business Credit Card.
Online Shopping made SAFER, EASIER, FASTER
Enjoy our new security feature that gives you a safer and more convenient online shopping experience when you use your Hong Leong Credit or Debit card.Each time you wish to make a purchase online with your Hong Leong card, we will verify your identity by asking you to enter a 'One Time Password' (OTP), which is a 6-digit password sent automatically to your mobile phone during the payment process.
Your OTP is only valid for one transaction and 2 minutes from the time of generation before it expires. So you can rest assure that no one but you could use your card online! All you need to do is make sure your current mobile phone number is registered with the Bank.
24-Hour Customer Service Hotline
If you're in need to get quick access to emergency cash, you'll be happy to know that help is just a phone call away. Just call our Hong Leong Bank Customer Service Hotline to request for a temporary increase in your credit limit or to report your lost or stolen card, general inquiries and more. Our Customer Service Hotline is available 24 hours a day, 7 days a week to attend to all your needs.
Overseas Transactions
Transactions in Foreign Currency
The conversion rate as determined by Visa International, MasterCard International or American Express, plus any administration fees charged by Visa International or MasterCard International, plus up to 1.0% administration fee imposed by the Bank.
Transactions in Ringgit Malaysia (RM)
Any administration fees charged by Visa International or MasterCard International.
Annual Fee Waiver For Life
That's right! Absolutely no annual fees at all! Both you and your Supplementary cardholders will automatically enjoy a waiver on your annual fee with a minimum swipe of 1 transaction within 45 days from the card issuance date. Subsequent year annual fee will be waived if you spend at least 12 times on your Hong Leong - MRCA Gold or Platinum Card over the preceding 12 months.
Call For Cash
You can withdraw up to 90% of your available credit limit (subject to availability). All you need to do is call 03-79501188 to request for a cash advance and the approved amount will be transferred to your saving or current account within the next working day.
Exclusive Will Writing Services
Enjoy unlimited consultation and special will-writing services at privileged prices only for Platinum Cardholders.
Zero Interest Instalment Plan
Our Zero Interest Instalment Plan will enhance your spending power and let you live life to the fullest. Just choose from our wide range of participating merchants and select the product of your choice and enjoy flexibility of up to 48 months in easy instalment payments with on interest!
My Payment Plan
Get that extra edge when you shop and bank on us to take care of all your purchases at anywhere and anytime with Hong Leong Bank 'My Payment Plan'. Just call our Customer Service Hotline within 30 days of purchase or before your next credit card statement, whichever is earlier for the installment plan of your choice up to 36 months.
Online Shopping made SAFER, EASIER, FASTER
Enjoy your new security feature that gives you a safer and more convenient online shopping experience when you use your Hong Leong Credit Card. each time you wish to make a purchase online with your Hong Leong card, we will verify your identity by asking you to enter a "One Time Password" (OTP), which is a 6-digit password sent automatically to your mobile phone during the payment process.
Your OTP is only valid for one transaction and 3 minutes from the time of generation before it expires. So you can rest assure that no one but you could use your card online! All you need to do is make sure your current mobile phone number is registered with the Bank.
Do's
Immediately sign on the signature panel at the back of your card upon receipt.
Treat, value and protect your card as if they were cash, keep your card secured and ensure that it is in your possession at all times
Check and ensure that the card you received after a transaction at a merchant is yours.
Ensure that you authorize all use of credit card (face to face or on Phone/Internet).
Shred all documents (charge slip, statement etc) that contains card details before you discard them.
Void incorrect charge slips before you sign a new one.
Promptly check your credit card statement and report immediately if there are any transactions that you do not recognize or unauthorized by you.
When you receive your new/renewal/replaced credit card, always check that the card is in your name, and that the sealed package is not compromised. Immediately contact the Bank if the card is not yours, or that the seal is tampered with.
Keep the bank phone numbers readily available with you to immediately report any lost or stolen card. A lways check your credit cards periodically to ensure that the cards are not missing from your wallet.
Sign-up for Card Protection if offered by your bank which helps report all your cards (including those issued by other banks) with just one call if you lose your wallet.
When purchasing items over the Internet, give your credit card details only on reliable websites and is from a company you trust. Reputable merchant sites use encryption technologies to protect your card information.
Please avoid using a public computer to shop online. If you do, please remember to log off and quit the browser when you are finished. All it takes is for someone to hit the "back button" to view your personal information.
Always print and save the confirmation page when completing an online purchase. Record or keep your receipts for all your purchases including online purchases.
Secure your letter mailbox, promptly collect your mail and be vigilant for identity theft. If you do not receive your credit card statements on time, please report to your bank promptly.
Notify the bank in advance for any change in address if you move.
Keep the bank updated with your latest hand-phone number and e-mail address to allow the bank to perform verification of unusual or suspicious transactions.
Be wary of high-pressure sales tactics such as "SCRATCH & WIN" where they ask for your card details.
If you received a call from a Telemarketer, ask questions. The fewer questions the caller can answer, more likely they are calling from an illegitimate business.
When you receive your PIN, please check that the sealed envelope has not been opened or tampered with. Immediately call the Bank if the seal is broken or opened.
Memorize your PIN immediately and destroy the PIN envelope. Go to the nearest Branch/ATM to change your PIN.
Don'ts
Never leave your credit card in an unsecured place, lying around at home or in the office where someone can have access to it. If you do not want to use your card, keep it in a safe and secure place.
Don't leave your credit card in your glove compartment of your car to prevent card theft.
Do not reveal personal details or your card details to any unknown party.
Hong Leong Bank will never send you an email or letter asking for your account specific information. Never reveal your username, password, security questions or answers, or PIN to anyone. You should not respond to such emails, letters, websites or phone numbers.
Never respond to emails that request for your credit card information and don't ever respond to emails that ask you to go to a website to verify personal (and credit card) information.
Never send account information, such as account number or PIN in an e-mail as it may be intercepted.
Be cautious about e-mails that offer credit services. Many unsolicited e-mails are fraudulent.
Watch out for imposters that claim to be from the bank and ask to "verify" your account details to make sure you are protected. The bank do not need your account details, it already has it.
When creating passwords and PINs, do not use anything that can be easily traced to you such as your date of birth, Identity Card no., etc. Do not record those numbers on anything in your wallet.
Never provide your credit card information on a website that is not a secure site.
Never provide your card information online unless you are making a purchase.
Do not carry PIN with your card or disclose it to anyone.
Never sign a blank receipt. When you sign a receipt, draw a line through the blank spaces above the total.
Do not lend your card to anyone. Your card is not transferable.
Effective January 2018, please be informed that we will be discontinuing the issuance of the Hong Leong Platinum Business Credit Card Year End Statement. For your information, you will still be able to review your past 12 months of transaction summary in your annual Year End Credit Card Summary (eStatement).
Effective January 2018, please be informed that we will be discontinuing the issuance of the Hong Leong Platinum Business Credit Card Year End Statement. For your information, you will still be able to review your past 12 months of transaction summary in your annual Year End Credit Card Summary (eStatement).
Features & Benefits
The Hong Leong Touch ‘n Go Zing Card reloads automatically when the balance dips below RM50.
Convenient
Use it at the toll, LRT stations, car parks, bus stations, theme parks or wherever the Touch ‘n Go sign is displayed.
Flexible
Link it to any Hong Leong Visa or Mastercard Credit Card.
Terms & Conditions
Frequently Asked Question
Q: What is Hong Leong Touch ‘n Go Zing Card?
A: The Hong Leong Touch ‘n Go Zing Card is a Touch ‘n Go Card with an automatic reload feature that is linked to your Hong Leong Credit Card Account. Every time your Zing Card balance falls below RM50, it will automatically reload RM100 and the amount will be debited from your Credit Card Account.
Fees and Charges
Q: What are the fees and charges that will be imposed to the Hong Leong Touch 'n Go Zing Card?
A:
Fees & Charges Description |
Fees & Charges* |
|---|---|
Auto Reload Fee |
RM2 per reload |
Maintenance Fee (Once every 6 months) |
RM5.00 |
*Subject to Government Tax, if applicable
- Maintenance Fee is referring to maintenance of the unutilised value at six (6) monthly intervals from the date TNG Chip in the Zing Card is deemed inactive.
- Inactive means a Zing Card with no card transaction (reload or usage) for a period of twenty-four (24) consecutive months.
Q: If my Zing Card is terminated, how soon shall I lodge a request for a refund of the balance amount in the Zing Card?
A: All request for any refund of the balance amount in the Zing Card must be lodged with the Bank within ninety (90) days from the date of the lost, theft, cancellation or termination of the Zing Card.
Q: How many times can I reload my Hong Leong Touch 'n Go Zing Card in a day?
A: Only one (1) auto reload allowed for every twenty-four (24) hours.
Interest-Free Credit Up To 30 days
Take advantage of a longer credit period, absolutely interest-free for all retail transactions.
No Annual Fee
Enjoy an automatic annual fee waiver with a minimum of 12 retail transactions, or RM15,000 retail spend in a year.
Cash Advance Fee
3% of amount advanced or a minimum of RM20 per transaction, whichever is higher
Low interest Rate of 12.85% p.a.
Take advantage of our low interest rate whenever you use your Platinum Business Credit Card's cheque facility and enjoy great savings.
Eligibility
- Aged 25 to 65 years old (Principal) | 18 years old (Supplementary)
- Minimum annual income RM60k
Effective January 2018, please be informed that we will be discontinuing the issuance of the Hong Leong Platinum Business Credit Card Year End Statement. For your information, you will still be able to review your past 12 months of transaction summary in your annual Year End Credit Card Summary (eStatement).
Features & Benefits
Features & Benefits
Get up to 6% cash back on retail spend at The Store & Pacific, and 0.5% cash back on other retail transactions.
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Incredible Savings
• 3% Cash Rebate on spends RM1,500 and below at The Store & Pacific
• 6% Cash Rebate on spends above RM1,500 at The Store & Pacific
• 0.5% Cash Rebate on all other transactions except The Store & Pacific transactions
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Auto Cash Rebate Redemption
It’s hassle-free! Your cash rebates will come in the form of The Store & Pacific’s Gift Vouchers, via your monthly credit card statements.
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Gift Voucher Redemption
Just present your credit card to redeem your gift voucher and offset your purchases at any The Store & Pacific outlet.
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Annual Fee Waiver For Life
A swipe of 1 transaction within 45 days of card issuance date gets you and your Supplementary cardholders the first year free. Subsequently, all you need to do is use your The Store & Pacific Credit Card at least 12 times a year for the annual fee waiver.
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Eligibility
- Aged 21 to 65 years old (Principal) | 18 years old (Supplementary)
- Minimum annual income of RM24k (Gold) | RM60k (Platinum)
OR a minimum fixed deposit pledged of RM2,000 (Gold) l RM12,000 (Platinum)
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Partners
Special Members price
Enjoy savings on selected items when you shop at The Store & Pacific.
Shopping privileges with merchant partners
It’s a members-only event – get more discounts, benefits and take advantage of special promotions during these exclusive events.
The Store & Pacific Credit Card Special Sale
Enjoy a host of privileges when you spend at select hotels, restaurants and retail outlets across Malaysia.
Terms & Conditions
Features & Benefits
Earn airasia points on your daily spend with this travel credit card. Enjoy the card’s 0% Flexi Payment Plan feature when you convert your minimum credit card spend of RM500 into 12-months instalment payments.
airasia points Boost
Earn airasia points from daily spend and airasia flight bookings
*Every RM1 airasia spend = 6 airasia points
Every RM2 overseas spend = 1 airasia point
Every RM3 local spend on Platinum Card = 1 airasia point
Every RM5 local spend on Gold Card = 1 airasia point
* Effective 1 July 2022
Bonus airasia points
Up to 25,000 Welcome & Quarterly airasia points
Platinum cardholders:
- With a minimum spend of RM2,500 in the first sixty (60) days after card approval = 5,000 welcome airasia points
- With a minimum spend of RM5,000 per calendar quarter = 5,000 Additional airasia points per quarter
Gold cardholders:
- With a minimum spend of RM1,500 in the first sixty (60) days after card approval = 3,000 Welcome airasia points
- With a minimum spend of RM3,000 per calendar quarter = 3,000 Additional airasia points per quarter
Be the priority
(Exclusive for Platinum Cardholder)
Instant upgrade to Platinum Freedom Flyer status
Enjoy priority check-in, priority boarding & Xpress baggage collection
Earn up to 7x more airasia points1
1The additional airasia points are awarded for travel on airasia flights in accordance with their corresponding fare class and airasia membership status at the time of departure of flight (not date of booking of flight) as follows:
airasia membership Status |
Platinum |
|---|---|
Low Fare |
Earn up to 5.5x airasia points |
Premium Flex/Premium Flat Bed |
7x airasia points |
| (Example of airasia points earned based on RM100 flight) |
|
|---|---|
Low Fare |
Earn up to 550 airasia points |
Premium Flex/Premium Flat Bed |
700 airasia points |
Fee waiver
First year annual fee waived
With a minimum of one (1) retail swipe within sixty (60) days from the card approval date
Subsequent year annual fee waived
Gold Cardholders:
- With a minimum retail spend of RM10,000 in a year
Platinum Cardholders:
- With a minimum retail spend of RM20,000 in a year
Terms & Conditions
