Hong Leong Mach Visa by Hong Leong Bank

Earn up to 10% cash back on any of the 12 spending categories! Choose the categories that best suit your lifestyle

You can change your cash back categories at any time to better suit your lifestyle, thus giving you unparalleled flexibility!

Annual fees for the Mach Visa are waived for life!

Cash Back Category	Cash back Rate	Monthly Cap	Spend
Social Package	10%	RM100 quarterly	any amount in a single receipt
Trendsetter Package	5%	RM100 quarterly	any amount in a single receipt
Savvy Package	3%	RM100 quarterly	any amount in a single receipt
Others	2%	RM50 monthly	any amount in a single receipt

Pay Over	With Interest Rate At	When You Spend
6 months	8.99% p.a. and no one-time upfront handling fee	from RM500
12 months	8.99% p.a. and no one-time upfront handling fee	from RM1000
18 months	8.99% p.a. and no one-time upfront handling fee	from RM1000
24 months	8.99% p.a. and no one-time upfront handling fee	from RM2000
36 months	8.99% p.a. and no one-time upfront handling fee	from RM2000

Purchases at merchants that are not part of the Hong Leong Extended Payment Plan fall under the Hong Leong Flexi Payment Plan instead.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM500
18 months	0% p.a. and no one-time upfront handling fee	from RM500
24 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Pay Over	With Interest Rate At	When You Transfer
6 Months	6.99% p.a. and no one-time upfront from handling fee	from RM1000
>12 Months	6.99% p.a. and no one-time from upfront handling fee	from RM1000

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Cash withdrawal fee	RM21.20 or 5.30% of withdrawn amount, whichever is higher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

*inclusive of 6% GST

15% Interest Rate Per Annum	Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum	Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum	Tier 3: Cardholders who do not fall under the above categories.

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old