Frequently Asked Questions - Credit Card

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 & above while supplementary card applicants must be at least 18 years old & above
  • Applicant must have a minimum annual income of RM24,000 for the Classic Card, I'm Card and Gold Card except Gold Card for Essential, ACCCIM, Kurnia and AMEX required RM30,000. Platinum and Platinum Business Credit Card, minimum annual income requirement of RM60,000 and AMEX Platinum is RM80,000.
  • Applicable to new applicants only, that is, those who do not own a Hong Leong Credit Card
  • Must have an e-mail address (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 2 times of their monthly income per issuer.

 

Q: If I am a first-time Hong Leong Credit Card applicant, can I submit my application online?

A: Yes, you can!

 

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 logging onto the 'Continue Application / Check Status' screen at the homepage (You are required to remember the Username & password that you'd keyed-in earlier on).

 

Q: If I am an existing Hong Leong Credit Card holder, can I apply online for an additional / supplementary card?

A: No. but we have a simplified online form where you can fill in, print and send your application to us.

 

Q: How soon can I know my application status?

A: You may log on to our website to check your application status within 30 seconds upon submission of your online application to us. Please note that response time will vary according to your Internet connection speed and the number of simultaneous applications being submitted to us at the same time.

 

Q: How do I check my application status online?

A: You may log on to www.hlb.com.my and click on the 'Check Loan Application Status' 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).Hence, all data communicated within the system is secure and protected from unauthorized usage.

 

Q: What supporting documents do I have to submit together with my online application?

A:

  • You need to provide us the below documents if your application has been approved in principle
  • Photostat copy of your NRIC (both sides) or Passport for non-Malaysians (including supplementary applicant's), and
  • Latest Form B and tax payment receipt, or
  • Latest 2 months' salary slip or letter from employer confirming length of service, income and position held, and
  • Latest EPF Statement, and / or
  • Business Registration certificate form 9/24/49 if self-employed

 

Please fax to:

Hong Leong Contact Center (Online Credit Card Application)

Fax No. : 03-79468888

 

Q: How long does it take for Hong Leong Bank to process my application?

A: Hong Leong Bank requires approximately 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 mail.

 

Q: How do I get my new Hong Leong Credit Card?

A: All cards have to be collected PERSONALLY from your nominated Hong Leong Bank branches nationwide.

 

Q: Can I send in a proxy or a representative to collect my new Hong Leong Credit Card on my behalf?

A: No. We need you to be present to sign the special Signature Form when you collect your card. For security reasons, your card will not be activated until you have signed the Signature Form.

 

Q: How soon can I collect my new Hong Leong Credit Card?

A: Approximately 3 working days within Klang Valley and 5 working days outside Klang Valley upon receiving our notification letter.

 

Q: Do I have to bring along any documents when collecting my new Hong Leong Credit Card?

A: Yes. You are required to bring along the original copies of your letter of approval and I.C. (Original).  

  • 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

  • Latest 3 months’ Salary Slips
  • Latest EPF Statement with at least 6 months contribution
  • Latest Form BE (supported by tax payment receipt)
  • Latest 3 months’ Bank Statements or Savings Passbook
  • Letter of Employment
  • Latest 6 months’ Bank Statements or Savings Passbook
  • Latest Form B (supported with tax payment receipt)
  • Latest EPF Statement with at least 6 months contribution

Note:

  1. The above documents have to be independently verifiable.
  2. Other form of income substantiation may be acceptable on case to case basis e.g. Tenancy Agreement.

Click here to download Cardholder Agreement

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)

 

Financial Privileges


Being an ACCCIM member gives you more than just the exclusive privilege of its full resources and assistance for your business. It also ensures you distinct recognition and success. Now you have the perfect way of showing off your affiliation with ACCCIM Credit Card. With it, you will also be supporting your association whenever you use the card. Apply for one today and use it proudly wherever you go.

Hong Leong Club Rewards – The more you spend, the bigger your rewards

Every RM 1 charged to your Hong Leong ACCCIM 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.

No Annual Fee

Being an ACCCIM member gives you more than just the exclusive privilege of its full resources and assistance for your business. It also ensures you distinct recognition and success. Now with your ACCCIM Credit Card, you will also be supporting your association whenever you use the card. Apply for one today and use it proudly wherever you go.

To welcome you as a new Hong Leong ACCCIM cardmember, your annual fee is waived for the first 3 years. Subsequent year annual fee waiver will be automatically activated when you make purchases using your Hong Leong ACCCIM Credit Card, either twelve times (12) per annum, or charge* a total of RM5,000 per annum. And, if you charge* RM100,000 to your Hong Leong ACCCIM Credit Card on your first year, you can forget about annual fees forever because your card will be FREE FOR LIFE**!

 

* Transactions exclude EPP, Cash on Call, Balance Transfer, fee charges and credit entries.
** Provided co-branding card is still valid.

 

Higher Credit Limit of Up To RM300,000

Improve your cash flow anytime by taking full advantage of the higher credit limit on your Hong Leong ACCCIM Credit Card compared to other ordinary credit cards.

Pre-approved Trading Line with HL eBroking

Your Hong Leong ACCCIM Credit Card also gives you a pre-approved HL eBroking trading line extended by up to 3 times your credit limit or a maximum trading line of RM150,000.

To find out more, just call HL eBroking at 1300-88-8822 or walk into any Hong Leong Bank branch.

Lower Cash Advance Fee

Enjoy a low fee of only 3% of amount advanced or RM21.2 (comprises of cash advance fee=RM20 and 6% of GST RM1.20), whichever is higher, for cash advance via ATM or at branch counters with your Hong Leong ACCCIM Credit Card!

Cash-On-Call

With your Hong Leong ACCCIM Credit Card, you will always be prepared for any emergency. Just call 03-7626 8899 for emergency cash up to 90% of your card's available credit, and pay in affordable equal monthly installments at a low interest rate of only 9.88% p.a..

Extended Payment Plan (EPP)

Whether it's a laser colour printer, espresso machine or an art piece for your office, you can use your Hong Leong ACCCIM Credit Card to purchase your dream items with our 0% interest installment plan, and stretch your payment tenure to 6 or 12 months.

24-Hour Cash Accessibility

In addition to EPP, you also have access to cash anytime you need it. Just use your Hong Leong ACCCIM Credit Card at over 500,000 Express Cash Network and Visa PLUS ATMs worldwide with your PIN, and withdraw up to 80%* of your credit limit, subject to your available credit limit.

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

 

Financial Privileges


Personalized Business Credit Card

To enhance your business prestige and recognition in the industry, you have the choice of embossing your company name on your Hong Leong ACCCIM Credit Card.

Exclusive Business Partner Discounts & Privileges

Enjoy big savings for your company on exclusive discounts on products and services offered by our business partners.

For complete list of discounts and privileges, please visit www.hlb.com.my

Exclusive Visa Commercial Discounts & Privileges

Enjoy big savings for your company on exclusive discounts on products and services offered by our business partners.

For complete list of discounts and privileges, please visit www.visacommercialoffersasia.com

Complimentary Visit to Plaza Premium Lounge Malaysia & Singapore

Enjoy complimentary visit to Plaza Premium Lounge KLIA, KLIA 2, Langkawi Airport, Senai Airport and Singapore Changi Airport* - an exclusive privilege for you as a ACCCIM Cardholder, where you can relax over a quiet drink, unwind in a massage chair or catch up on work with the high-speed internet access prior to departure.

 

*Each Cardholder is entitled to complimentary visit of 6 times per annum. Every complimentary visit is subject to minimum retail spend of RM2,500 within 30 days from the date of entry

Customer Service Assistance

In business, we know time is money. That's why our dedicated Customer Service Assistance is ready to help you daily from 8am to 11pm, should you require personal assistance or have any queries regarding your Hong Leong ACCCIM Gold Card. Just call 03-7626 8899 and you have full control over your transactions in total privacy.

 

Important Information


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

 

Important Information


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

 

Important Information


A. PROMOTIONAL CAMPAIGN OFFER

20% Cashback on Travel Expenses

For New MATTA Cardholders

  1. New MATTA cardholders enjoy 20% Cashback on travel expenses for the first 30 days following card approval.
  2. Cashback is capped at RM100 per customer (Principal and Supplementary cardholders collectively).

General T&C governing the Promotional Campaign Offer

  1. 20% Cashback will be awarded on all eligible travel expenses charged to the Hong Leong MATTA Credit Card.
  2. 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).
  3. 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.
  4. 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.
  5. 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

  1. 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. 1% Cashback is capped at RM100 per customer per month (Principal and Supplementary cardholders collectively).
    2. 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.
    3. 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.
    4. 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.

 

  1. PLAZA PREMIUM LOUNGE
    1. 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.
    2. Complimentary entry is available to the first 50 Hong Leong MATTA Credit Cardholders, offered on a first come, first served basis.
    3. 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.
    4. 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.
       
  2. PREFERENTIAL FOREX RATES AT HONG LEONG BANK'S BUREAU DE CHANGE (BDC)
    1. 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)
    2. 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.
    3. 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.
    4. A minimum transaction of RM500 is required for Hong Leong MATTA Credit Cardholders to be eligible for the preferential rates.
    5. Rates offered for currencies are subject to change as determined by Hong Leong Bank BDC.

C. GENERAL

  1. 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.
  2. 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.
  3. 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.
  4. HLB’s failure to enforce a particular term and condition does not constitute a waiver of that term and condition by Hong Leong Bank.
  5. 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.
  6. Any complaints or disputes concerning the Offer shall be settled between the Cardholder and the Merchant directly without recourse to the Bank.
  7. All offers as offered by HLB merchants shall be further governed by their own Terms & Conditions.
  8. 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

  1. Pemegang kad MATTA baharu akan menikmati 20% Pulangan Tunai atas perbelanjaan perjalanan selama 30 hari pertama selepas kad diluluskan.
  2. Pulangan tunai dihadkan kepada RM100 setiap pelanggan (secara kolektif merujuk kepada pemegang kad Prinsipal dan Tambahan).

Terma & Syarat Am Tawaran Kempen Promosi

  1. 20% Pulangan Tunai akan diberikan untuk semua perbelanjaan perjalanan layak yang dicajkan kepada Kad Kredit MATTA Hong Leong.
  2. 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).
  3. 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.
  4. 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.
  5. 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

  1. Tawaran merangkumi keistimewaan pemegang kad seperti berikut:
    1. 1% PULANGAN TUNAI ATAS PERBELANJAAN DALAM MATAWANG ASING
      1. 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.
      2. 1% Pulangan Tunai dihadkan kepada RM100 setiap pelanggan setiap bulan (secara kolektif merujuk kepada pemegang kad Prinsipal dan Tambahan).
      3. 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.
      4. 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.
      5. 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.
         
    2. PLAZA PREMIUM LOUNGE
      1. 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) .
      2. Masuk secara percuma disediakan untuk 50 Pemegang Kad Kredit MATTA Hong Leong yang pertama, ditawarkan atas dasar siapa cepat.
      3. Pemegang Kad Kredit MATTA Hong Leong dikehendaki menyemak dengan pengurusan Plaza Premium Lounge di KLIA untuk maklumat lanjut mengenai kesediaan masuk secara percuma.
      4. 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.
         
    3. KADAR KEUTAMAAN TUKARAN MATAWANG ASING DI BUREAU DE CHANGE (BDC) HONG LEONG BANK
      1. 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)
      2. 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.
      3. 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.
      4. Transaksi minimum RM500 diperlukan untuk melayakkan Pemegang Kad Kredit MATTA Hong Leong mendapat kadar keutamaan.
      5. Kadar yang ditawarkan untuk matawang adalah tertakluk kepada perubahan sebagaimana ditentukan oleh BDC Hong Leong Bank.

C. AM

  1. 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.

  2. 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.

  3. 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.

  4. Kegagalan HLB untuk menguatkuasakan terma dan syarat tertentu tidak membentuk pengenepian terma dan syarat tersebut oleh Hong Leong Bank.

  5. 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.

  6. Sebarang aduan atau pertikaian mengenai Tawaran hendaklah diselesaikan oleh Pemegang Kad dengan Saudagar tanpa melibatkan Bank.

  7. Semua tawaran oleh saudagar HLB tertakluk kepada Terma & Syarat mereka sendiri.

  8. 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 Supplementary Card

The annual fee for Supplementary Card is RM212 (comprises of Annual Fee=RM200, 6% of GST=RM12). To enjoy the annual fee waiver for the Supplementary Card, Principal 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
Visa Master Card

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

Important Information


Features & Benefits

Peace Of Mind


Hong Leong Club Rewards Program


For every RM1 charged to your card on retail transactions, you will earn 1 Reward Point which you can redeem for a wide range of exciting gifts absolutely free, including free flights with MAS, and even to offset your annual fees for the subsequent year. You can also accumulate your Reward Points up to 3 calendar years so that you can redeem your most desired gift.

 

 

Best Card For Overseas Spending


Double Reward Points

Automatic Double Reward Points on every retail purchase made overseas on your Card. So use the Hong Leong American Express Card when traveling as well as at home and you will earn rewards points, towards free flights and other exciting gifts even faster.

 

Greater Financial Power and Flexibility

Only the Hong Leong Bank American Express® Credit Card gives you greater flexibility and payment options with a built-in range of financial tools.

 

Flexible Cash Management

Access to Hong Leong Bank branches and over 500,000 American Express® ATMs in more than 130 countries worldwide.

 

Convenient Payment Options

The option of making your Credit Card bill payment at Hong Leong Bank branches, or via direct debit, Hong Leong Online or Hong Leong Phone Banking.

Preferential Forex Rate

You are now entitled to preferential forex rate for outward remittances by just producing your credit card at any of our bank branches.

 

Click here to check out the latest rates.

*Transactions conducted outside Malaysia will be converted into Ringgit Malaysia on the date the item is received and / or processed. The exchange rate may differ from the published daily rate due to market fluctuation.

 

Global Coverage. Worldwide Privileges


Your Credit Card also gives you access to 1,700 American Express® Travel Service offices in over 130 countries worldwide, so you can enjoy global assistance with travel arrangements, travellers™ cheques, foreign exchange & Card replacement. Get the world in your hands today.

*The above Features & Benefits are subject to Terms and Conditions.

 

Important Information


Features and Benefits


Savour the selection of fabulous offers and discounts from fine dining to free hotel night - worth a total of over RM2,000 - our way of welcoming you to the new Hong Leong Gold American Express Credit Card.

Peace Of Mind


 

Gold Assist


Whether travelling on business or taking a well-earned break, Gold Assist provides useful travel information and emergency assistance overseas online and offline 24 hours a day, 365 days a year. Gold Assist features a wide range of services.

 

The Emergency Assistance team is available by collect call from anywhere in the world, 24 hours a day.

 

Our experts can help with anything from referrals to local doctors / hospitals to providing advice on inoculation requirements and visas.

 

The Emergency Record and Travel Vault securely stores vital information such as medical, personal and Credit Card details online which can be retrieved easily in the event of an emergency, such as a lost or stolen wallet.Country Guides provides useful information about your destination, such as standard of healthcare, where to find a hospital, cultural tips, important telephone codes and much more.

 

To find out more, log onto the Gold Assist website at www.goldassist.com.

 

Hong Leong Club Rewards Program


For every RM1 charged to your card on retail transactions, you will earn 1 Reward Point which you can redeem for a wide range of exciting gifts absolutely free, including free flights with MAS, and even to offset your annual fees for the subsequent year. You can also accumulate your Reward Points up to 3 calendar years so that you can redeem your most desired gift.

 

Global Coverage. Worldwide Privileges


Global assistance

Your Credit Card also gives you access to 1,700 American Express® Travel Service Offices in over 130 countries worldwide, so you can enjoy global assistance with travel arrangements, travellers™ cheques, foreign exchange & Card replacement. Get the world in your hands today.

Double Reward Points

Automatic Double Reward Points on every retail purchase made overseas on your Card. So use the Hong Leong American Express Card when travelling as well as at home and you will earn rewards points, towards free flights and other exciting gifts even faster.

Flexible Cash Management

Access to Hong Leong Bank branches and over 500,000 American Express® ATMs in more than 130 countries worldwide.

Greater Financial Power and Flexibility

Only the Hong Leong Bank American Express® Credit Card gives you greater flexibility and payment options with a built-in range of financial tools.

Convenient Payment Options

The option of making your Credit Card bill payment at Hong Leong Bank / Finance branches, or via direct debit, Hong Leong Online or Hong Leong Phone Banking.

*The above Features & Benefits are subject to Terms and Conditions.

Preferential Forex Rate

You are now entitled to preferential forex rate for outward remittances by just producing your credit card at any of our bank branches.

 

Click here to check out the latest rates.

*Transactions conducted outside Malaysia will be converted into Ringgit Malaysia on the date the item is received and / or processed. The exchange rate may differ from the published daily rate due to market fluctuation.

Features and Benefits


Luxuriate

The knowledge of knowing that you remain in control over whatever the circumstances is sheer luxury. Beyond instant recognition and admiration, Hong Leong Platinum American Express Credit Card connects you with a unique facility that personifies the good life like no other cards can. Known as the Platinum Personal Service, it provides you with uncompromised access to Premium Concierge services. It's our Personal Assistant, entirely dedicated to be your beck and call, anywhere in the world. You have the power to meet contingency and exigency, make things happen with a single call. 24 hours a day, 7 days a week.

 

Service

Truly world class service is a sheer luxury. As well as instant recognition and respect, the Hong Leong Platinum American Express Card connects you with a unique facility that personifies the good life in ways that no other credit card can - the Platinum Personal Service. Through this you enjoy total access to the Premium Conceirge Service. It's your personal assistant dedicated to your beck and available from anywhere in the world. With a single phone call, you have the power to meet every contigency 24 hours a day, 365 days a year.

 

Explore

With the Hong Leong Platinum American Express Credit Card, the world is truly your playground and your holidays an absolute delight. As a Card member, you will enjoy priority reservation and preferential service worldwide from leaders in the travel and leisure industry.

 

  • VIP services at 272 Small Luxury Hotels in over 50 countries around the world
  • A selection of international 5-star hotels and chains such as Four Seasons Hotels and Resorts in Asia, Hyatt Hotels and Resorts and the Raffles Hotel Group
  • 14,000 Business Hotels and enjoy up to 60% off on the Standard Corporate Rate

 

Indulge

Experience epicurean delights locally as well as abroad, provided by our Platinum Restaurant Exclusives. Be it the finest nouvelle cuisine or a gastronomic extravaganza, go where your taste buds lead you. All it takes is the Hong Leong Platinum American Express Credit Card to transform an evening out into an event to remember. Bon apetit!

 

  • Complimentary bottle of wine or
  • Up to 30 savings on a-la-carte menu or
  • Free Wine Club membership or
  • Complimentary dish or desserts

 

Enjoy

More choices, more access, more freedom. Wherever you may be, whatever the circumstances, you can count on the Hong Leong Platinum American Express Credit Card. Dependable, accessible, flexible. So when the occasion arises, you know exactly where to turn to:

 

  • Access to 500,000 American Express ATM's in more than 130 countries worldwide.
  • Cash Advance Withdrawal up to 50% of the available credit line.
  • Complimentary Retail Protection.
  • Preferential Forex Rate* (Click here to check out the latest rates.)
  • Double Bonus Points for retail purchases made overseas on your card.
  • Year End Summary Statement that consolidate your credit card spending.

 

*Transactions conducted outside Malaysia will be converted into Ringgit Malaysia on the date the item is received and / or processed. The exchange rate may differ from the published daily rate due to market fluctuation.

For foreign charges converted by American Express, American Express applies a conversion factor of 1% to the converted amount plus 1% administration cost imposed by Hong Leong Bank Berhad.

A charge that is made in a foreign currency other than US Dollars will, when the conversion is done by American Express, be converted into US Dollars before being converted into Ringgit Malaysia.

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

Unlimited Access to Plaza Premium Lounge

It is more than just a waiting lounge, you get to not only avoid the crowd but also strengthen business rapport with associates and partners who share similar privileges in a first class environment before taking your flight.Unlimited access to KLIA, LCCT, Langkawi Airport, Penang Airport, Senai Airport, Kuching Airport, Kota Kinabalu Airport & Singapore Changi Airport The Green Market lounge.Enjoy up to 25% discount off published rate for accompanying guests.Lounge's facilities:

 

  • Free Flow of Food & Beverages
  • Shower with Amenities
  • Rest Stations
  • Internet Access
  • International Newspapers & Magazines
  • International TV Channels
  • Music Enjoyment
  • Comfortable Seating Area
  • Complimentary Insurance Coverage

 

INSURANCE - Hong Leong Gold & 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

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 Gold or 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, MasterCard International or American Express, plus up to 1.0% administration fee imposed by the Bank.

 

Transactions in Ringgit Malaysia (RM)

Any administration fees charged by Visa International, MasterCard International or American Express.

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.

 

For enquiries connect with us online or drop by your nearest Hong Leong Bank Branch.