Hong Leong Essential Card 0.6% - 1% (no more 1% for all)

kevin_obl

刚刚发现，  Hong Leong Essential Card, 换了 terms。 以前所有开销都是 1% except petrol。 现在：

First RM 5000 - Rebate 0.6%
Sebsequent amout (anything after the Rm5000) - Rabate 1%

1st February 2016 开始！！

那里还有 1% unlimited 的 card??

XHunterOz

用OCBC更好。。

lim9999

如果每个月有超过5000消费用这个还是值得的。因为还是unlimited。

ahlauweihotmail

potong potong..... 挖塌米不是更好？分数已经接近0.5%了，平均每个月一千块的话还有3%回扣。

georgeyewbp

应该要换去 HLB WISE 卡吧。

kakaxi

ahlauweihotmail 发表于 12-1-2016 07:28 PM
potong potong..... 挖塌米不是更好？分数已经接近0.5%了，平均每个月一千块的话还有3%回扣。

分数??


可以解释解释吗?

JacsonTAY

Alliance Bank You:nique ? 可以嗎? 最近也是在找著essential 的替代卡, 我從essential 一出就用到現在了

路人1

什么！！ 我才刚拿而已！！！

cbkl

只好跟essential卡说拜拜
Ocbc 的是怎样的，有谁可以说明？

ahlauweihotmail

OCBC网购1%
以外汇交易1%
其余的0.1%

无限回扣。

浩浩荡荡

已经砍了，申请着UOB ONE

cbkl

ahlauweihotmail 发表于 14-1-2016 07:14 PM
OCBC网购1%
以外汇交易1%
其余的0.1%

我上OCBC網站看
OCBC的·GREAT EASTERN卡似乎比較好
首RM1000塊有 1%回扣
之後0.5%無限。

teachew

为什么大家没注意到Standard Chartered ClaimBack Gold MasterCard呢？

路人1

担心迟点OCBC的·GREAT EASTERN也减少他的cash back

feyn4402

还是CITI CASH BACK好～ 只是没得cancel annual fee～～lol

钢铁忍者

我也才刚拿不久。。。。
还有哪个是1% 的？。。。像HL essential 这样的。。。介绍一下。。。。。。用侄HL wise 了。。

daniel79

feyn4402 发表于 16-1-2016 12:03 PM
还是CITI CASH BACK好～ 只是没得cancel annual fee～～lol

citibank 也是不waive annual fee给我太太。
直接cancel card，和叫它refund 回 annual fee 给我太太。

ahlauweihotmail

最近的一张单主卡与三张共花超过五千块，但还是拿不到1%回扣，我发电邮查询，他们也给我回复了，但我不是很满意他们的算法，我看了T&C，感觉上有点灰，不太明确。
希望大家帮忙看看，给我意见，要不要去争论。



Dear xxx,

Thank you for your email dated May 20, 2016.

Transaction posting date falls on statement date will be counted for accumulation/ cash rebate in the following month as per below Tier:

Tier 1 – first RM5k spend @ 0.6%
Tier 2 – subsequent spend @ 1%

Thanks & Regards
nnnnn
Customer Experience


***************************************************************

From: xxx
Sent: Friday, May 20, 2016 11:53 AM
To: Customer Service, CE (HLB)
Subject: RE: Essential statement - mismatch

Hi Nicholas, thanks for the explanation.

I would like to know that the rebate for RM839.50 (RM802.80 + RM36.70) is going to be 105.40 x 0.6% + 734.10 x 1.0%,

or everything is going to start from 0.6%?

xxx

**************************************************************************

From: Customer Service, CE (HLB)
Sent: Friday, 20 May, 2016 9:48 AM
To: xxx
Subject: Essential statement - mismatch

Dear xxx,

Thank you for your email dated May 18, 2016. As per below is the summary of your credit cards transaction  details and rebate calculation.   

Credit card statement date : May 09, 2016
Current Balance as of May 09, 2016: RM5754.44

Total Transaction as of May 09, 2016: RM5784.10
Total insurance transaction: RM50.00 x0.60% = RM0.30
Total Retail Transaction: RM4894.60 x0.60% = RM29.36

4293 XXXX XXXX 0001
Total transaction : RM776.55
Total Retail  Transaction : RM726.55
Total Insurance Transaction: RM50.00

4293 XXXX XXXX 0002
Total transaction : RM3655.50
Total Retail  Transaction : RM3655.50 – RM802.80 = RM2852.70
Total Insurance Transaction: RM0.00

*Due to the transaction LAZADA MY (ECART S KUALA LUMPUR dated May08, 2016 posting date is on May09, 2016 fall on credit card statement date, essential card cash rebate will be calculated  on next month*

4293 XXXX XXXX 0003
Total transaction : RM622.20
Total Retail  Transaction : RM622.20
Total Insurance Transaction: RM0.00

4293 XXXX XXXX 0004
Total transaction : RM729.85
Total Retail  Transaction : RM729.85 – RM36.70= RM693.15
Total Insurance Transaction: RM0.00

*Due to the transaction GHL*INFUSION PETALING JAYAMY dated May 08, 2016 posting date is on May 09, 2016 fall on credit card statement date, essential card cash rebate will be calculated  on next month*

Thanks & Regards
nnnnnnn
Customer Experience

ahlauweihotmail

HONG LEONG ESSENTIAL CREDIT CARD TERMS & CONDITIONS

The terms and conditions below are to be read together with the Hong Leong Cardholder Agreement (“the Agreement”). Save and except for the variations set out below, all the terms and conditions of the Agreement shall apply. In the event of any discrepancy or inconsistency between the terms and conditions of the Agreement and the terms of the Hong Leong Essential Credit Card (“essential card”), the terms of this agreement shall prevail in so far as they apply on the essential card.   

1. Cash Back  The essential card earns up to 1% Cash Back on all valid Retail Transactions (as defined below).  i. Cash Back:  0.6% Cash Back for all Insurance transactions  For other Retail Transactions  Tier 1 – 0.6% Cash Back for first RM5,000 spend  Tier 2 – 1% Cash Back for subsequent spend ii. Retail Transactions includes all retail transactions both local and international EXCLUDING Cash Advances, CashOn-Call, Flexi Payment Plan, Balance Transfers, Petrol Transactions (inclusive of retail transactions at petrol stations), Finance Charges, Late Charges and Annual Fee Payment.  iii. The Cash Back shall be credited to and reflected monthly in Cardholder’s statement in each billing cycle/ statement date. iv. The Cash Back will be calculated at the end of each billing cycle / statement. The cumulated Cash Back shall be credited monthly to the Cardholder’s Statement. The Cash Back credits may or will be utilized towards any outstanding balances due on the account. For the avoidance of doubt, any Cash Back due to the Cardholder will be posted in the credit card account and reflected in the Cardholder’s Statement for the particular month. In the event the Cash Back due to the Cardholder is on the date of the Cardholder’s Statement, the Cash Back will only be reflected in the Cardholder’s Statement in the following month. In the event that the Cardholder’s Statement is on the 31 day of the month, the Cash Back will only be reflected in the Cardholder’s Statement once every two (2) months.  v. The Bank reserves its rights from time to time, with prior notice, to revise the Cash Back percentage at its absolute discretion.   

2. Financial Charges  All Cash Advances drawn on the essential card are offered at a preferential rate of 10.8% per annum, calculated on a daily basis, from the date of transactions. If minimum monthly payment is not made on the Payment Due Date or if the Cardholder defaults in payment of any monies due to the Bank under combined credit limits or breaches any agreement with the Bank, then the Bank shall reserve the right to automatically; i. Terminate the preferential rate of 10.8% per annum and charge the interest rate to the standard rate of 18% per annum for cash outstanding balances due and unpaid; and ii. Withdraw the preferential cash advance fee of 2% or minimum RM5 (whichever is higher), and charge the standard rate of 5% or minimum RM20 per transaction (whichever is higher).   

3. Cash Advance Fees  The essential card offers a preferential cash advance fee of only 2% per transaction or RM5, whichever is higher. The Bank reserves the right to impose the standard rate of 5% per transaction or RM20 whichever is higher, at its sole discretion as determined from time to time.   

4. Reward Points  No Reward Points on the essential card.  

5. Special Note  The essential card does not come automatically with a free insurance plan.

6. Product Features Variation  The Bank shall be entitled to at its absolute discretion and from time to time amend, vary or alter any of the product features for the essential card or withdraw the essential card at any time with prior notice to the Cardholder and such amendments shall be effective on such date that the Bank may elect to adopt. Subsequently, HLB may at its discretion mail directly to the Cardholder or notify in the mass media or posting up a notice in HLB’s banking hall or HLB’s website at www.hlb.com.my or any method which the Bank deems practical for such additions, modifications or amendments of the product features.   

7. In addition to the terms stipulated above, the Cardholder agrees that the general terms and conditions in the Cardholder Agreement shall be read together with this terms and conditions as an entire agreement. Any discrepancies between this terms and conditions with the general terms and conditions contained in the Cardholder Agreement, the specific terms above shall prevail.   

ahlauweihotmail

HONG LEONG ESSENTIAL CREDIT CARD TERMS & CONDITIONS

The terms and conditions below are to be read together with the Hong Leong Cardholder Agreement (“the Agreement”). Save and except for the variations set out below, all the terms and conditions of the Agreement shall apply. In the event of any discrepancy or inconsistency between the terms and conditions of the Agreement and the terms of the Hong Leong Essential Credit Card (“essential card”), the terms of this agreement shall prevail in so far as they apply on the essential card.   

1. Cash Back  The essential card earns up to 1% Cash Back on all valid Retail Transactions (as defined below).  i. Cash Back:  0.6% Cash Back for all Insurance transactions  For other Retail Transactions  Tier 1 – 0.6% Cash Back for first RM5,000 spend  Tier 2 – 1% Cash Back for subsequent spend ii. Retail Transactions includes all retail transactions both local and international EXCLUDING Cash Advances, CashOn-Call, Flexi Payment Plan, Balance Transfers, Petrol Transactions (inclusive of retail transactions at petrol stations), Finance Charges, Late Charges and Annual Fee Payment.  iii. The Cash Back shall be credited to and reflected monthly in Cardholder’s statement in each billing cycle/ statement date. iv. The Cash Back will be calculated at the end of each billing cycle / statement. The cumulated Cash Back shall be credited monthly to the Cardholder’s Statement. The Cash Back credits may or will be utilized towards any outstanding balances due on the account. For the avoidance of doubt, any Cash Back due to the Cardholder will be posted in the credit card account and reflected in the Cardholder’s Statement for the particular month. In the event the Cash Back due to the Cardholder is on the date of the Cardholder’s Statement, the Cash Back will only be reflected in the Cardholder’s Statement in the following month. In the event that the Cardholder’s Statement is on the 31 day of the month, the Cash Back will only be reflected in the Cardholder’s Statement once every two (2) months.  v. The Bank reserves its rights from time to time, with prior notice, to revise the Cash Back percentage at its absolute discretion.   

2. Financial Charges  All Cash Advances drawn on the essential card are offered at a preferential rate of 10.8% per annum, calculated on a daily basis, from the date of transactions. If minimum monthly payment is not made on the Payment Due Date or if the Cardholder defaults in payment of any monies due to the Bank under combined credit limits or breaches any agreement with the Bank, then the Bank shall reserve the right to automatically; i. Terminate the preferential rate of 10.8% per annum and charge the interest rate to the standard rate of 18% per annum for cash outstanding balances due and unpaid; and ii. Withdraw the preferential cash advance fee of 2% or minimum RM5 (whichever is higher), and charge the standard rate of 5% or minimum RM20 per transaction (whichever is higher).   

3. Cash Advance Fees  The essential card offers a preferential cash advance fee of only 2% per transaction or RM5, whichever is higher. The Bank reserves the right to impose the standard rate of 5% per transaction or RM20 whichever is higher, at its sole discretion as determined from time to time.   

4. Reward Points  No Reward Points on the essential card.  

5. Special Note  The essential card does not come automatically with a free insurance plan.

6. Product Features Variation  The Bank shall be entitled to at its absolute discretion and from time to time amend, vary or alter any of the product features for the essential card or withdraw the essential card at any time with prior notice to the Cardholder and such amendments shall be effective on such date that the Bank may elect to adopt. Subsequently, HLB may at its discretion mail directly to the Cardholder or notify in the mass media or posting up a notice in HLB’s banking hall or HLB’s website at www.hlb.com.my or any method which the Bank deems practical for such additions, modifications or amendments of the product features.   

7. In addition to the terms stipulated above, the Cardholder agrees that the general terms and conditions in the Cardholder Agreement shall be read together with this terms and conditions as an entire agreement. Any discrepancies between this terms and conditions with the general terms and conditions contained in the Cardholder Agreement, the specific terms above shall prevail.