Hong Leong Mach Visa credit card

Hong Leong Mach Visa

Get up to 10% cashback all day, every day with 12 unique categories to choose from for your ever changing lifestyle. Simple and fast application.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM169.60 annual fee

Apply online now for Hong Leong Mach Visa

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 10% cashback on 12 spending categories - put money back into your pocket with rebates on movie tickets, drinks at the bar, music concerts, fashion, air tickets, dining, groceries, phone bills, health and fitness, tech gadgets, and purchases at the departmental store.
Discover how much you can save when you shop with your new Hong Leong Mach Visa
Cashback CategoryCashback RateCapped atSpend
Social PackageSpendany amount in a single receipt10%RM100 quarterlyany amount in a single receipt
Trendsetter PackageSpendany amount in a single receipt5%RM100 quarterlyany amount in a single receipt
Savvy PackageSpendany amount in a single receipt3%RM100 quarterlyany amount in a single receipt
OthersSpendany amount in a single receipt2%RM50 monthlyany amount in a single receipt
Balance Transfer
Settle outstanding balances from other banks' credit cards with interest rates as low as 6.99% p.a. and payment terms of up to a year.
Pay OverWith Interest Rate AtWhen You Transfer
6 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Hong Leong Balance Transfer
Easy Payment Plan (EPP)
Need to spread the burden of your big purchases at the mall? Enjoy interest free shopping at selected merchants with payment terms of up to 36 months when you shop at participating merchants. All other purchases are eligible for instalment rate of 8.99% p.a..
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Hong Leong Extended Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM169.60
  • Waived when you swipe 12 times in a year
Annual Fee for Supplementary Card
RM84.80
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Hong Leong Extended Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Hong Leong Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Hong Leong Mach Visa review

What's so good (or not so good) about it?

If you enjoy being out and about, Hong Leong Mach Visa credit card will be the ideal card for you. With this credit card, you can earn cashback on retail purchases based on your preferred choice of lifestyle spending.

10% Cash Back

As a Hong Leong Mach Visa credit cardholder, you can earn up to 10% cashback on a wide range of lifestyle activities. You get to choose from 12 categories to suit your unique needs. These categories are grouped in packages:

Select one package from the list and add on as many categories as you want from any other packages. With a small fee, you can change the categories to fit your lifestyle changes and maximise your cash back. 

Want to know what and where you can spend to earn high cash rebates? Look at the full list of participating outlets below!

Lifestyle PackageCategoryParticipating OutletsCashback
Social Package
  • Movies
  • Music & Events
  • Nightlife
  • All Cinemas
  • AirAsia RedTix, TicketCharge, TicketPro, and other Rock Corner outlets
  • All Bars and Nightclubs
  • 10%
  • 3%
  • 2%
Trendsetter Package
  • Dining
  • Style
  • Travel
  • All dining outlets
  • Uniqlo, Cotton On, Forever 21, Zara, Topshop/Topman, Charles & Keith, G2000, Gap, Converse, and Esprit
  • AirAsia
  • 5%
  • 2%
  • 1%
Savvy Package
  • Groceries
  • Health & Fitness
  • Mobile
  • All grocery stores
  • Fitness Concept, Fitness First, True Fitness, Celebrity Fitness, GNC, Watson’s, and Guardian
  • Maxis, DiGi, Celcom, U Mobile and YES
  • 2%
  • 2%
  • 3%
Others
  • Departmental
  • Tech
  • Online
  • Parkson, Tangs, Debenhams, Robinsons, Isetan, Marks & Spencers, and Metrojaya
  • All IT stores
  • All online spend
  • 2%
  • 2%
  • 1%

Different cashback rates are awarded to different spending categories. The rate ranges from 1% to 10%. The Social package has the highest cashback rates with 10% for movie, 3% for music & events and 2% for nightlife. For categories not listed above such as petrol expenses, cardholders will also receive 0.2% cash back.

Although the cash back rates are different for each package and category, the amount of cash back earned will largely depend on your total spending for each category. Total cash back is capped at RM100 quarterly for each selected category and RM50 per month for other purchases.

Balance Transfer

The Hong Leong Balance Transfer is also one of Hong Leong Mach Visa credit card’s features. It enables cardholders to transfer outstanding balances of at least RM1000 from as many as three credit cards or charge cards to Hong Leong Mach Visa credit card for efficient management.

Annual Fee Waiver

Owning Hong Leong Mach Visa credit card is easy. You just need to be at least 21 years old and earn a minimum annual income of RM24000. More savings is also installed when you swipe 12 times a year to waive the annual fee of RM160. Earning cashback is indeed more fun with Hong Leong Mach Visa when you can spend on the things you love.

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