Q: Are there any condition to enjoy Annual Fee waiver?
A: I’m credit card Annual Fee is waived for life with no conditions attached.
Q: Are there any other benefit of holding I’m credit card?
A: Besides Annual Fee being waived for life, Overseas Transaction Mark-Up will not be charged too.
Q: Why do I have to pay RM21.20 joining fee for each card (principal or supplementary)?
A: The joining fee of RM21.20 (comprising Joining Fee = RM20.00; 6% of GST = RM1.20) is a one-time admin fee to process each card’s application.
Q: Why doesn’t I’m credit card come with reward points and/or cash back feature?
A: This is because I’m is a basic credit card. Moreover, no Annual Fee and Overseas Transaction Mark-up charged for this card.
Q: Can I use my I’m credit card when I receive it (before personalisation)?
A: Yes, you can. Just remember to activate the card by following the instructions on the card carrier before you start using it.
Q: Where can I do the personalisation?
A: You can go to Mach Branch at Mid Valley Shopping Mall during business hours. You can also visit www.hlb.com.my/iam from time to time to check our list of branch roadshows where personalisation service will be offered.
Q: Can I personalise the card with any word(s) that I like?
A: You can personalise any word(s) provided the word(s) do(es) not violate any proprietary and intellectual property rights. Vulgar word(s) will not be allowed.
Q: Can I change the personalisation?
A: Yes, you may change it to reflect your current life stage and/or character.
Q: Can I choose the font type used for personalisation?
A: Sorry, you cant. Only Bradley Hand ITC is available.
Q: Can I choose the colour for personalisation?
A: Sorry, only black colour is available.
Q: Why is there a charge-back on Overseas Transaction Mark-up on my statement?
A: It is due to the reversal done on your Overseas Transaction. We have to charge back the Mark-Up which we had reversed/deducted previously.