What is the Hong Leong Debit Card?
The Hong Leong Debit Card is a secure and versatile payment solution offered by Hong Leong Bank. It is designed for everyday spending in Malaysia and abroad, connecting directly to your eligible Hong Leong Current or Savings Account.
It utilises the modern PIN & Pay chip technology and contactless capabilities to ensure fast, safe, and controlled transactions, allowing you to manage your funds responsibly without hassle.
Frequently Asked Questions (FAQ)
1. What are the key features and benefits of the HLB Debit Card?
The HLB Debit Card is focused on security, control, and convenience for all types of transactions:
- Contactless Payments: Quickly tap and go for purchases up to RM250 without needing a PIN.
- Enhanced Security: Features the Secure Chip and PIN & Pay functionality for Point-of-Sale (POS) transactions, helping to prevent fraud from lost or stolen cards.
- Security Protections: The card includes a provision for No Cardholder Liability for unauthorised contactless charges, provided the cardholder was not negligent.
- Global and Digital Usage: Cardholders can easily enable their card for:
- Overseas ATM Withdrawal
- Overseas Retail Purchase
- Mail Order / Telephone Order (MOTO) / Auto Debit
- Non-3D Secure Internet Purchase
- Transaction Alerts: Receive notifications via the HLB Connect App or SMS to monitor your spending in real-time.
2. How do the transaction limits and controls work?
The HLB Debit Card provides several layers of transaction control:
- Contactless Cumulative Limit: There is a maximum cumulative contactless spending limit of RM800. Once this limit is reached, a contact transaction with a PIN is required to reset the cumulative limit to zero.
- Limit Adjustments: Cardholders can change their default contactless transaction limit (RM0 - RM800) and cumulative contactless limit by visiting any HLB/HLISB branch.
- PIN-Required Transactions: Transactions exceeding RM250 in a single receipt still require you to enter your PIN or sign the receipt.
3. What are the activation requirements for global and online use?
For security reasons, the following services are blocked by default and require cardholder opt-in:
- Overseas Transactions (ATM withdrawals and purchases)
- Auto Debit
- Internet Purchase (non-3D secure transactions)
You can activate these services instantly through:
- Hong Leong Connect Internet Banking
- Hong Leong Connect Mobile App
- HLB/HLISB ATM
- HLB/HLISB Branches
- Hong Leong Call Centre
4. Who can apply for the HLB Debit Card?
To apply for the card, you must be:
- A customer of Hong Leong Bank (HLB) or Hong Leong Islamic Bank (HLISB).
- You must hold an eligible Current or Savings Account with the bank.
The card is issued upon opening an account or as a replacement for existing HLB ATM cards.
5. How Can I Apply For This Hong Leong Debit Card?
The Hong Leong Debit Card application process is straightforward and typically happens when you open a Current or Savings Account with the bank.
Here are the two main ways you can apply:
1. Fully Digital Application (If opening a new account)
Hong Leong Bank offers an online account opening service, which includes debit card issuance:
- Use the Apply@HLB App: You can download the Apply@HLB App to open a new bank account completely online.
- Process: The app guides you through keying in your NRIC/MyKad, scanning your document, taking a selfie, and making an initial deposit.
- Card Delivery: For individuals aged 18 and above who successfully open an account this way, the debit card will be delivered to your specified address via post within 14 calendar days after your first deposit.
2. In-Branch Application (New or Existing Customer)
If you prefer a physical visit or are an existing customer needing a new card:
- Visit a Branch: Go to any Hong Leong Bank (HLB) or Hong Leong Islamic Bank (HLISB) branch nearest to you.
- Provide Documents: You will need to produce your MyKad/Passport for verification.
- Account Opening: If you do not already have an eligible current or savings account, you will open one at the branch.
- Instant Issuance: In many cases, the debit card is issued to you instantly at the branch.
Once you receive the physical card, you will need to activate it via HLB Connect Online Banking or at an HLB ATM.
