Principal and Supplementary Credit Card Application Form

Yes, I would like to accept the following Hong Leong Credit Card(s) upon approval of my Hong Leong Mortgage Loan or Car Loan:
Hong Leong Mortgage Loan Hong Leong Car Loan

Credit Card*:
(i) Emirates HLB World Elite (Mastercard) (iii) Sutera Platinum (Visa) (iv) Visa Gold
Emirates HLB World (Mastercard) GSC Platinum (Visa) Essential (Visa)
Emirates HLB Platinum (Mastercard) AirAsia Platinum (Visa) WISE Gold (Visa)
My Emirates Skywards GSC Gold (Visa)
Membership No. E K AirAsia Gold (Visa)
Note: If you are not an Emirates Skywards member, you will be I’m (Visa)
automatically enrolled as a member upon approval of the credit cards.
Email address is compulsory.
Companion Card:
(ii) Hong Leong Infinite (Visa)
Touch ’n Go Zing
Hong Leong Infinite Doctor’s Edition (Visa)
My Malaysia Airlines
Enrich Card No.
M H
Note: If you are not an Enrich member, you will be automatically
enrolled as a member upon approval of the credit cards. Email address
is compulsory.

1st year annual fee waiver subject to 1 swipe within 45 days from card approval date. Not applicable for Emirates HLB World Elite and World.

Hong Leong
I hereby agree on the subsequent year annual Infinite / Emirates GSC Gold GSC Platinum
fee waiver subject to Condition 1 OR Condition 2 HLB Sutera Gold/ (Approved (Approved AirAsia AirAsia
Infinite/ Essential after after Gold Platinum
(no annual fee waiver for Emirates World Elite Platinum Platinum
Infinite Doctor’s 26 June 2018) 26 June 2018)
and World and WISE Card) Edition/I’m

Condition 1 : Minimum spend per annum RM50,000 RM15,000 RM8,000 RM8,000 RM15,000 RM10,000 RM20,000
Condition 2 : Minimum number of swipes No annual fee
per annum - - 12 - - - -

Notes: * This application constitutes a request for World/Platinum/Gold credit card if the applicant does not qualify for World Elite/World/Infinite/Platinum.
Hong Leong Bank may at its sole discretion, upgrade the Infinite credit card application to a Infinite (by invitation) credit card if the applicant is eligible.

Part A Your Personal Details

Dr Mr Madam Ms Others

Full Name (as per NRIC/Passport) (please underline your surname)

Name to Appear on Card (not more than 19 letters)

Gender Male Female NRIC/Passport No. Old NRIC No.

Passport Issued Country Passport Issued Date Passport Expiry Date

Date of Birth (dd/mm/yyyy) Race Malay Chinese Indian Pribumi Others

Nationality Malaysia Others (please specify) Permanent Resident (PR) No Yes

Country of Permanent Reside more than 182 Days in

Malaysia Others (please specify) Yes No
Resident (PR) Malaysia (per calendar year)

Marital Status Single Widowed Married Divorced No. of dependents

Part B Your Residence

Home Address

Postcode City

State Country

Type of Residence Owned Rented Employer’s Parents’ Length of Stay

Home Tel. No. Mobile No.

Hong Leong Bank Berhad (193401000023 (97141-X)) 1 V001 September 2021

 Part B Your Residence (Continue) Part D Your Mailing Address (mandatory)

Email Address (mandatory) Home Office

Part E Delivery of Credit Card

Important Notice:
Credit Card Statement Home Office
All newly approved credit card customers will be automatically enrolled for email
statement. Part F Monthly Payment Instruction
No, I prefer paper statement which the Bank will charge RM1 per paper
statement per month. I hereby authorize Hong Leong Bank to debit my Savings/Current Account monthly
in settlement of my Hong Leong Credit Card one (1) day before the Payment Due
RM1 Paper Statement Fee will be exempted for:
Date*. I understand and agree that I shall be liable for all late charges, penalties
1. customers aged 60 and above (auto-exemption)
and fees whatsoever incurred in accordance with the relevant Cardholder’s
2. customers with disabilities
Agreement if payment of the outstanding balances under my Hong Leong Credit
3. customers with difficulties accessing electronic statement.
Card cannot be made by the Payment Due Date.
If you fall under the second and third group, kindly write to the Bank with *Please note that the Hong Leong Credit Card Account will be credited on the next
supporting documents to request for exemption. calendar day after successful attempt.
Existing customers who wish to change their email address for email statement
are required to update it via Hong Leong Connect. Account No.

Transaction Alert Notification For: Minimum Payment Full Payment

For your security, Hong Leong Bank (HLB) will notify you via Short Messaging
System (SMS) sent to your registered mobile number of certain transactions made
on your HLB credit card(s). You can choose to set your own preferred SMS
notification threshold amount by downloading the form at www.hlb.com.my/ccf Part G Supplementary Credit Card
and submit the completed form to us via fax/email or at any nearest branches.
Dr Mr Madam Ms Others
Transaction Authorisation Codes (TAC)
Note: For new Hong Leong customer, your mobile number will be automatically Full Name (as per NRIC/Passport) (please underline your surname)
registered to receive Transaction Authorisation Codes (TAC), which are required to
complete selected transactions via Hong Leong Connect Online and Mobile
Banking. For existing Hong Leong customer, TAC will be sent to your existing Name to Appear on Card (not more than 19 letters)
mobile number registered with the bank.

Email address and mobile number are mandatory fields and will be used by the
Bank to send correspondence to you, such as, electronic statement(s)/letter of Gender Male Female
account(s) and notices. You may review or retrieve such correspondence or
electronic statement(s) via Hong Leong Connect (Online Banking) at any time, Passport
NRIC/Passport No. Expiry Date
subject to online availability period. Please refer to our website at
www.hlb.com.my for fees and charges of our products and services. Passport Issued Passport
Country Issued Date
Date of Birth
Old NRIC No. (dd/mm/yyyy)
Race Malay Chinese Indian Pribumi Others
Part C Your Employment Information
Nationality
Employment Type Malaysia Others (please specify)
Self-employed with Workers
Permanent Resident (PR) No Yes
Self-employed without Workers
Government Employee/Civil Servant Country of Permanent Resident (PR)
Private Sector Employee Malaysia Others (please specify)
Retiree/Housewife
Reside more than 182 Days in Malaysia
Yes No
(per calendar year)
Company Name
Relationship with Principal Card Applicant
Company Registration No. (for self-employed)
Home Address
Office Address
Postcode City
Postcode City
State Country
State Country
Email Address (mandatory)
Office Tel. No. Extension No.
Home Tel. No.
Occupation
Mobile No.
Employment Sector
Occupation
Annual Gross Income RM
Company Name
Annual Other Income RM
Office Address
Length of Service MM YY
Postcode City
Name of Previous Employer (if working less than 1 year in present employment)
State Country

Length of Service MM YY

Hong Leong Bank Berhad (193401000023 (97141-X)) 2 V001 September 2021

 System (”CCRIS”), FIS, CTOS or any credit reference agency, Inland Revenue
Part G Supplementary Credit Card (continue) Authorities or any authorities without further notice to me/us to such extent
and for such purpose as HLB may in its absolute discretion deem necessary or
Employment Type expedient in connection with the application, distribution and provision of
Self-employed with Workers products and services; (g) where I/We have faxed or sent the credit card
application form to HLB via email, I/we agree that the said faxed or scanned
Self-employed without Workers copy of application form shall be regarded as an original for processing
Government Employee/Civil Servant purposes, containing all true and accurate particulars and that the said faxed
Private Sector Employee or scanned copy of application form and all card transactions arising in
relation to it shall be valid and binding on me/us but notwithstanding this,
Retiree/Housewife I/we will retain the original signed application form at all times and make it
available to HLB upon request; (h) I/We shall be liable for any inaccuracy or
Employment Sector misrepresentation in the said information and will remain liable for all
outstanding and all losses and expense incurred by HLB due to the inaccuracy
or misrepresentation in the said information.
Industry Sector
Financial Services Act 2013 (“FSA”) and BNM Guidelines on Credit
Annual Gross Income RM Transactions and Exposures with Connected Parties (“Guidelines”)
To enable HLB to comply with the FSA and the said Guidelines, I/we shall
declare to HLB whether I/we am/are a connected party under the Guidelines,
Annual Other Income RM
which includes but is not limited to, a spouse, child, parent or financial
dependant of HLB’s Director, Executive Officer or credit-approving/appraising
Credit Limit /reviewing officer or in the case of a corporate/business-customer, includes
Supplementary Card Applicant will share 100% of my credit limit an entity controlled by such above mentioned HLB’s persons. If at any time
Assign Supplementary Card Applicant with credit limit of: I/we become a connected person, I/we must notify HLB in writing
immediately. HLB reserves the right to terminate the Facility in the event
RM I/we fail to make the appropriate or correct declaration, resulting in HLB
Note: All outstanding balances or unpaid amounts in the Supplementary Card contravening the FSA or the said Guidelines.
account in a particular month will be transferred to the Principal Cardholder Right to Disclose Information
account at the next statement date, following which the assigned credit limit In addition to the permitted disclosures provided under Schedule 11 of the FSA,
will be reinstated accordingly. I/we hereby irrevocably authorize and permit HLB, its officers and employees
to disclose and furnish all information concerning my/our credit card facilities,
this application form, my/our present and future accounts and any other
Part H Your Other Financing Facilities (Non-bank) matters relating to me/us or my/our business and operations to:
(a) other financial institutions granting or intending to grant any credit facilities
Are you an existing Hong Leong Bank customer? Yes No to me/us, the Central Credit Bureau or any other central credit bureau
established by Bank Negara Malaysia, Cagamas Berhad, Biro Maklumat Cek,
No. Type of Facility Loan/Financing Instalment/Repayment Credit Guarantee Corporation, any other relevant authority as may be
Amount authorized by law to obtain such information or such authorities/agencies
established by Bank Negara Malaysia or any agency established by the
1. Association of Banks in Malaysia;
(b) any current or future corporation which may be associated with or related
to HLB (as defined in the Companies Act 2016), including representative and
branch offices and their respective representatives as well as subsidiaries
2. of HLB’s holding company;
(c) the security parties or any party intending to provide security in respect of
my/our credit card facilities;
(d) HLB’s auditors, solicitors and/or other agents in connection with the
3. recovery of moneys due and payable hereunder; and
(e) HLB’s professional advisers, service providers, nominees, agents, contractors
or third party service providers who are involved in the provision of products
and services to or by HLB and its related or associated companies.
(f) Malaysian Airlines System Berhad, Priority PASS (A.P.) Ltd and Plaza
Premium Lounge Malaysia Sdn Bhd to provide the benefits of Hong Leong
Infinite / Infinite /Infinite Doctor’s Edition credit card.
Part I Secured Credit Card with Fixed Deposit
(g) AirAsia Berhad to provide the benefits of AirAsia Credit Card.
I would like to apply for my Principal and/or Supplementary Credit Card(s) (h) Emirates Airlines to provide the benefits of Emirates HLB Cards.
including additional card in the future to be secured against my Hong Leong
Bank Fixed Deposit. I/We hereby irrevocably consent to such disclosure and confirm that, save and
except for damages arising directly from HLB's wilful default or gross
Fixed Deposit Certificate No. negligence, HLB, its officers and employees shall be under no liability for
furnishing such information or for the consequences of any reliance which may
Fixed Deposit Amount RM be placed on the information so furnished in accordance with this Agreement.
Representation and Warranty on Processing Personal Information
Fixed Deposit Date I/We hereby represent and warrant that I/we have obtained the consent of all
persons named in my/our application for the Account(s) or such other document
Important Information: submitted to HLB in support of such application and/or their authorized
representatives, including but not limited to my/our directors, shareholders,
1. Your HLB Credit Card(s) shall be secured at all times with a minimum HLB authorized signatories or such other persons as specified by HLB (“Relevant Data
Deposit (FD) of RM2,000 and maximum of RM50,000 pledged to HLB. Credit Subjects”), for HLB’s collection, holding and use of the personal information of the
limit assigned will be based on FD pledged amount at a ratio of 1:1. Relevant Data Subjects in accordance with HLB’s Privacy Notice as may be
2. Your HLB Fixed Deposit (FD) shall be available for withdrawal 14 days after amended from time to time.
all your secured HLB Credit Card(s) is/are terminated AND upon settlement Consent to Process Personal Information
of the entire outstanding balances under all your secured HLB Credit Card(s), I/We hereby agree and consent to the holding, collection and use of all personal
whichever is later. data provided to HLB by me/us and/or acquired by HLB from the public domain,
as well as personal data that arises as a result of the provision of services to
me/us in connection with the Account(s) in accordance with the Privacy Notice of
HLB as may be amended from time to time.”Privacy Notice” shall mean HLB’s
Part J DECLARATION – Please sign in the boxes provided below policies and principles pertaining to the collection, use and storage of personal
information of existing and prospective individuals and entities dealing with HLB
I/We confirm and agree that: (a) all Information given above is true and as may be amended from time to time and made available at HLB’s website or in
complete; (b) Hong Leong Bank Berhad (“HLB”) is authorised to verify the such manner as HLB deems appropriate from time to time.
information from whatever sources and means that it deems appropriate; (c)
(1) I/We hereby declare that I/we have fully disclosed to HLB all of my/our
I/We shall be bound by the terms and conditions of the Hong Leong Bank outstanding financing facilities with all financial service providers including
Cardholder Agreement, Touch’n Go Zing Card and any other terms and non-financial entities. Any inaccuracy or misrepresentation provided by me/us in
conditions of the credit card applied for in this application form as may be the aforesaid information shall not attribute to HLB’s failure to adhere to the
amended from time to time; (d) My/Our application is subject to the HLB’s BNM’s guidelines. (2) I/We hereby acknowledge that in the event the financing
approval; (e) My/Our personal borrowings from all sources within Malaysia do tenure extends into my/our retirement age, I/we am/are aware that it is my/our
not exceed in aggregate RM200,000 (for non-Malaysians only); (f) I/We responsibility to ensure that I/we have a retirement plan to adequately cater for
authorize and consent to HLB obtaining any other information from any sources the financing repayments accordingly. (3) I/We hereby acknowledge receipt of
including but not limited to the Central Credit Reference Information HLB Credit Card’s Product Disclosure Sheet.

Hong Leong Bank Berhad (193401000023 (97141-X)) 3 V001 September 2021


Part J DECLARATION (continue)
Consent to Privacy Notice
I/We have read HLB's Privacy Notice and agree that all personal data provided to
HLB by me/us and/or acquired by HLB from the public domain, as well as
personal data that arises as a result of the provision of services to me/us will be
subject to such Privacy Notice as may be varied from time to time. I/We hereby
agree and authorise the disclosure of my/our name(s) and other contact details to
companies within HLB and/or Hong Leong Financial Group Berhad group of
companies for marketing and for promotional purposes. Copies of the Privacy
Notice are available upon request or from HLB's website (www.hlb.com.my).
Note: Customers who wish to opt-out from the sharing of their personal data
within HLB and/or Hong Leong Financial Group Berhad group of companies for
marketing and promotional purposes are required to call our Call Centre at
03-7626 8899 to register their instruction to opt-out of the said sharing.
Foreign Exchange Notices - Declaration And Undertaking
I/We further declare the information provided in this document, is true and
accurate and in full compliance with the Foreign Exchange Notices.
I/We shall be fully responsible for any inaccurate, untrue or incomplete
information provided.
I/We hereby authorise the Bank to make this information available to BNM
in compliance with the Foreign Exchange Notices.
I/We hereby undertake to inform the Bank of any subsequent changes to
the information stated herein.
I/We have been informed that the information on Foreign Exchange Notices
is also available at the Bank’s website for my/our references.

Signature of Principal Card Applicant Signature of Supplementary Card Applicant

Date / / Date / /
DD MM YYYY DD MM YYYY

Referral info – Referrer’s name: _____________________________________________________________________________________________________________

For Bank Use Only

Channel Campaign Br/Div (existing HLB code) Team Code Source Code

Attended by: Name Staff No. (numeric only)

Staff New NRIC No. Phone No.

Remark/KYC/FD Pledge Recommendation:

MMC/MDC Registration No.
(for Infinite Doctor’s Edition only)

Principal Supplementary
Credit Card Applicant Credit Card Applicant
Is a PEP? No Yes No Yes

Is a RCA to a PEP? No Yes No Yes

Was on boarding/new application done face-to-face? No Yes No Yes

KYC confirmation &

(For Face-to-Face Application) I hereby confirm & attest that I have: attestation done by:
• Guided customer in reading the Product Disclosure Sheet (PDS) Signature:
(Sales Personnel)
• Obtained a copy of the customer’s NRIC and income documents originated
Name:
from the customer
• Checked customer’s workplace/residential address is within 50km vicinity
Date:
from the branch
• Checked information below: Time:

Applicant’s Full Name & New NRIC No. Document(s) submitted Confirm & vetted by: Signature:
Employer's Name & Contact Application form/CRA (Sales/Branch Manager/CSOM)
Job Designation/NOB Terms & Conditions Name:

Type of Credit card applied Residential/Mailing Address

Date:
Biometric verification passed Time:

Hong Leong Bank Berhad (193401000023 (97141-X)) 4 V001 September 2021

 Data Privacy Consent Form

Customer Data Privacy Declaration and Consent Form

I /We hereby,
(a) declare that all information furnished to Hong Leong Bank Berhad / Hong Leong Islamic Bank Berhad (“HLB/HLISB”) are complete, true and correct
and will immediately inform HLB/HLISB of any changes to the same;
(b) confirm that I/we have read and agreed to HLB/HLISB’s Privacy Notice* as may be varied from time to time. I/We hereby agree and authorize the
disclosure of my/our name and other contact details to companies within HLB/HLISB’s and/or Hong Leong Financial Group Berhad’s group of
companies for marketing and for promotional purposes. Copies of the Privacy Notice are available upon request or from HLB/HLISB’s website.
*”Privacy Notice” shall mean HLB/HLISB’s policies and principles pertaining to the collection, use and storage of personal information of existing and
prospective individuals and entities dealing with HLB/HLISB as may be amended from time to time and made available at Bank’s Website or in such
manner as HLB/HLISB deems appropriate from time to time. To read and understand more about the HLB/HLISB Privacy Notice, please refer to the
HLB/HLISB’s Website;
(c) declare that pursuant to the Credit Reporting Agencies Act 2010 (“CRA”), I/we, the undersigned, hereby irrevocably and unconditionally authorize CTOS
Data Systems Sdn Bhd, Experian Information Services (Malaysia) Sdn. Bhd (formerly known as RAM Credit Information Sdn Bhd), Credit Bureau
Malaysia Sdn Bhd, FIS Data Reference Sdn Bhd, BASIS Corporation Sdn Bhd and Dun & Bradstreet Malaysia Sdn Bhd (each to be referred to herein as
a “Credit Reporting Agency” and collectively, “Credit Reporting Agencies”) to process and disclose any of my/our personal information, my/our
company/business information (if applicable) and credit information (as defined in the CRA), including credit information where I am/we are a joint
applicant or to which I am/we are or have been linked (collectively referred to as “Credit Information”) and resides in the records of the Credit
Reporting Agency or any information in the record of the Central Credit Bureau, Bank Negara Malaysia (“BNM”) (including any database or system
established by BNM or any other governmental or regulatory authority or body, Cagamas Berhad and/or Credit Guarantee Corporation Malaysia
Berhad, Inland Revenue Authorities or any authorities at any time in such manner as HLB/HLISB considers ¬appropriate (collectively referred to as
“Credit Information”) to HLB/HLISB for the purposes which shall include but not be limited to the ones listed in HLB/HLISB’s Privacy Notice which is
available upon request or on HLB/HLISB’s websites;
(d) declare that in connection with the Consent herein provided, I/we hereby authorize HLB/HLISB to provide the relevant Credit Reporting Agency with
my/our personal details and my/our company/business (if applicable), as provided below, to enable the Credit Reporting Agency to provide me/us
with the relevant notification as required under the CRA;
(e) agree and confirm that I/we shall not hold HLB/HLISB liable or responsible for:
i. Any statement, misstatement, inaccuracy or omission of any type or manner contained in the credit information, records and/or credit reports
provided to HLB/HLISB by the relevant Credit Reporting Agency;
ii. HLB/HLISB’s reliance on such credit information, records and/or credit reports provided by the relevant Credit Reporting Agency to arrive at a
decision in relation to my/our application for credit and credit-related or other products or services of HLB/HLISB; and
iii. Any disclosure of my/our Credit Information by the relevant Credit Reporting Agency to any of the Credit Reporting Agency’s other subscribers in
connection with the credit reporting service provided.
(f) declare that this Consent shall be without prejudice to any other clause in the agreement governing the terms of the credit and credit-related or other
products or services of HLB/HLISB which I/we have applied for herein and shall remain valid and binding against me/us so long as I/we remain a
customer of HLB/HLISB and/or an/a outsourced service provider/vendor of HLB/HLISB (if applicable);
(g) irrevocably authorize and permit HLB/HLISB, its officers and employees to disclose and furnish all my/our information concerning this application,
present and future accounts and any other matters relating to me/us or my/our company/business and operations (if applicable) to the
persons/entities named in HLB/HLISB’s Privacy Notice. I/We hereby irrevocably consent to such disclosure and confirm that save and except for
damages arising directly from HLB/HLISB’s wilful default or gross negligence, HLB/HLISB, its officers and employees shall be under no liability for
furnishing such information or for the consequences of any reliance which may be placed on the information so furnished in accordance herein;
(h) consent to HLB/HLISB, or any of its affiliates, including branches to share my/our information with the tax authorities for the purpose of enabling
HLB/HLISB, or any of its affiliates to comply with the requirements of the Foreign Account Tax Compliance Act (“FATCA”) and Common Reporting
Standard (“CRS”) as may be stipulated by applicable laws, regulations, agreement or regulatory guidelines or directives;
Note: Customers who wish to opt-out from the sharing of their personal data within HLB/HLISB’s and/or Hong Leong Financial Group Berhad’s group of
companies for marketing and promotional purposes are required to call our Call Centre at 03-76268899 to register their instructions to opt-out of the said
sharing.

Applicant(s)’ Signature
I/We hereby confirm that:
I/We have read, understood, agreed to and confirm the contents of all sections of this Customer Data Privacy Declaration and Consent Form
including the Privacy Notice clauses stated above which are applicable to me/us the said sharing.
Signature Signature
Name (as per New IC/Passport) Name (as per New IC/Passport)

New IC No./Passport No. New IC No./Passport No.

Telephone/Mobile No. Telephone/Mobile No.
Applicant’s Signature and Company Stamp (if applicable) Applicant’s Signature and Company Stamp (if applicable)

X X
Date Date
D D M M Y Y Y Y D D M M Y Y Y Y

Hong Leong Bank Berhad (193401000023 (97141-X)) Hong Leong Islamic Bank Berhad (200501009144 (686191-W)) V001 July 2021
 PRODUCT DISCLOSURE SHEET
Read this Product Disclosure Sheet before you decide to take up the Hong Leong Credit Cards (“Card”). Credit Cards
Be sure to also read the general terms and conditions.
Date:
1. What is this product about?

This is a Hong Leong Credit Card to be used primarily for the payment of goods and services. Where any amount of the credit utilized by Cardholder has not been
settled in full on or before the due date, the unsettled amount will be subjected to finance charges.

2. What do I get from this product?

(i) Credit limit

A revolving credit line approved by the Bank, based on the Cardholder’s eligibility.
Card type Minimum credit limit (RM) Card type Minimum credit limit (RM)
Travel cards Cash Back cards
Hong Leong Infinite (Visa) 100,000 Essential (Visa) 2,000
Hong Leong Infinite Doctor’s Edition (Visa) 12,000 Reward points cards
Hong Leong Infinite (Visa) 45,000 Sutera Platinum (Visa) 3,000
Emirates HLB World Elite (Mastercard) 50,000 Gold (Visa) 2,000
Emirates HLB World (Mastercard) 20,000 GSC Platinum (Visa) 12,000
Emirates HLB Platinum (Mastercard) 12,000 GSC Gold (Visa) 2,000
AirAsia Platinum (Visa) 12,000 No-frills card
AirAsia Gold (Visa) 2,000 I’m (Visa) 2,000
Cash Back cards
WISE Gold (Visa) 2,000
NOTE: Minimum income eligibility for new principal Cardholder is set at RM24,000 per annum. Cardholders who earns RM36,000 per annum or less can only hold
credit cards from a maximum of two (2) issuers. The maximum credit limit extended to both new and existing Cardholders shall not exceed two (2) times of their
monthly income per issuer.
• Cardholder will be subject to finance charges on all carried forward outstanding balances including interest and fees (excluding Late Payment Charges) if the
Cardholder’s previous statement is not fully paid on or before the payment due date.

(ii) Retail purchases

To be calculated on a daily basis after the interest free period provided the current balance of the Cardholder’s previous statement is fully paid by payment due date.
Otherwise, interest will be calculated on a daily basis from respective posting date. The finance charge may vary for each account based on the Cardholder’s past
twelve (12) months repayment behaviour as below:
Cardholder’s payment behaviour Retail interest rate
Cardholders who promptly settle their minimum payment due for twelve (12) consecutive months 15% p.a.
Cardholders who promptly settle their minimum payment due for ten (10) months or more in a twelve (12) month cycle; and 17% p.a.
Cardholders who do not fall within the above categories 18% p.a.
To enjoy lower finance charges for retail transactions, you should make at least ten (10) prompt payments in the last twelve (12) months.

(iii) Cash advance

• 18% p.a. of the outstanding amount calculated on a daily basis from transaction date until full repayment date.
• (For Essential card only) 10.8% p.a. calculated on daily basis, from date of transactions. However, if the Cardholder defaults in payment of any outstanding
balances due to Hong Leong Bank Berhad (“the Bank”), the Bank shall reserve the right to charge the standard rate of 18% p.a.
NOTE: The maximum daily cash withdrawal limit is subject to the available Cash Limit of your card and the prevailing withdrawal limit of any ATM in the case of cash
withdrawal made through an ATM; whichever is lower.

(iv) Balance Transfer

Rates vary depending on chosen tenure/instalment period. Please refer to Balance Transfer Product Disclosure Sheet.
• Cardholder will be entitled to:
Type of rewards Card type
Cashback
• 0.4% Cashback for all Insurance transactions
• For other retail transactions* Essential
- Tier 1 – 0.4% Cashback for first RM7,000 spend
- Tier 2 – 1% Cashback for subsequent spend
Effective 1 October 2021
• With a minimum spend of RM500:
- Enjoy 8% Cashback on Weekends and 1% on Weekdays on popular Online Spend merchants, Groceries & Essentials
(including selected convenience stores), Petrol and Dining. Each category is capped at RM15 Cashback per month. WISE
- Enjoy unlimited 0.25% Cashback on all other valid Retail Transactions*
(excluding Online Spend, Groceries & Essentials, Petrol and Dining)
• Below RM500 spend, enjoy 0.25% Cashback on all valid Retail Transactions*.
Reward points
All valid Retail Transactions* would be given Reward Points Sutera Platinum/Gold/GSC
Skywards Miles
All valid Retail Transactions* would be awarded with Skywards Miles based on:
World Elite World Platinum Emirates
Emirates RM4 = 2.5 Skywards Miles Emirates RM4 = 2 Skywards Miles Emirates RM4 = 1.5 Skywards Miles HLB
Overseas RM4 = 1.75 Skywards Miles Overseas RM4 = 1.5 Skywards Miles Overseas RM4 = 1.25 Skywards Miles
Local RM4 = 1 Skywards Miles Local RM4 = 1 Skywards Miles Local RM4 = 0.5 Skywards Miles

1/3 V001 September 2021

 Type of rewards Card type
MAS Enrich Miles
All valid Retail Transactions* would be awarded with MAS Enrich Miles based on: Hong Leong Infinite /
• Local : RM2.8 = 1 mile • Overseas : RM1.8 = 1 mile Infinite/Infinite Doctor’s Edition
AirAsia BIG Points (Effective 15 April 2020)
All valid Retail Transactions* would be awarded with AirAsia BIG Points based on:
• AirAsia Transactions : RM1 = 1 BIG Point (Gold & Platinum) AirAsia
• Overseas : RM2 = 1 BIG Point (Gold & Platinum)
• Local : RM3 = 1 BIG Point (Platinum) RM5 = 1 BIG Point (Gold)
*Retail Transactions (both local and international) EXCLUDE all Government and JomPAY related transactions, Cash Advances, Quasi Cash (betting and gaming related
transactions); Quick Cash One-Time Fee, Quick Cash Monthly Interest, Flexi Payment Plan, Auto Balance Conversion, Balance Transfers, Petrol transactions, Finance
Charges, Late Charges and Annual Fee Payment with the exception of Essential, Sutera Platinum, WISE, AirAsia, Hong Leong Infinite and Emirates HLB cards where
petrol transactions will be awarded.

3. What are my obligations?

Minimum i. at least 5% of the total outstanding balance [refers to the total amount of Retail Transactions (if any), Balance Transfer amount (if any) where
monthly the Balance Transfer plan is not on instalment basis, Cash Advance amount (if any), Finance Charges and fees (if any)];
repayment ii. 100% of Tax;
iii. 100% of all contracted monthly instalment (including monthly instalments for Auto Balance Conversion, Extended Payment Plan and other
instalment plans available from time to time);
iv. Any unpaid Minimum Payment Due from previous month’s statement, and;
v. 100% of any overlimit amount (refers to amount which exceeds the Prescribed Credit Limit or the Assigned Credit Limit); OR
RM50, whichever is higher (or such other percentages or amount as may be determined by the Bank from time to time) or settlement of such
unpaid balance.

Interest free • Twenty (20) days from the statement date provided the current balance of the Cardholder’s previous statement is fully paid by payment due
period for retail date. Otherwise, interest shall be charged on retail purchase transactions from respective posting dates.
purchase • The Principal Cardholder shall be liable for all outstanding balances incurred on the Principal and/or Supplementary Card(s).
transaction The Supplementary Cardholder shall be liable for all outstanding balances incurred on his/her Supplementary Card only.

4. What are the fees and charges I have to pay?

For the full list of fees and charges, please visit our website www.hlb.com.my/cc1 or scan here:

5. What if I fail to fulfill my obligations?

Late payment charge

• A minimum of RM10 or 1% of the total outstanding balance as at statement date, whichever is higher, subject to a maximum of RM100.
Right to set-off
• The Bank may by giving seven (7) calendar days’ notice, set-off any credit balance in your account(s) maintained with us against any
outstanding balance in this Card account.
Liability for unauthorised transactions
The Cardholder would not be liable for Card-present unauthorised transactions which require PIN verification or signature verification or the use of a contact less
Card, provided the Cardholders have not:
(i) acted fraudulently;
(ii) delayed in notifying the Bank as soon as reasonably practicable after having discovered the loss or unauthorised use of the Card;
(iii) voluntarily disclosed the PIN to another person or any third party;
(iv) recorded the PIN on the Card or on anything kept in close proximity with the Card;
(v) left the Card or an item containing the card unattended in places visible and accessible to others; or
(vi) voluntarily allowed another person to use the Card.

For the avoidance of doubt, Cardholders are expected to exercise due care in safeguarding the Card even at the Cardholder’s place of residence.
If you fail to abide by the terms and conditions of Card, we have the right to terminate your Card.
Cardholder’s responsibilities to:
(a) abide by the terms and conditions for the use of the Card;
(b) take reasonable steps to keep the Card and PIN secure at all times, including at the Cardholder’s place of residence. These include not:
i. disclosing the Card details or PIN to any other person;
ii. writing down the PIN on the Card, or on anything kept in close proximity with the Card;
iii. using a PIN selected from the Cardholder’s birth date, identity card, passport, driving licence or contact numbers; and
iv. allowing any other person to use the Card and PIN.
(c) notify the Bank as soon as reasonably practicable after having discovered that the Card is lost, stolen, an unauthorised transaction had
occurred or the PIN may have been compromised;
(d) notify the Bank immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised;
(e) notify the Bank immediately of any change in the Cardholder's contact number;
(f) use the Card responsibly, including not using the Card for unlawful activity; and
(g) check the account statement and report any discrepancy without undue delay.

2/3 V001 September 2021

6. What if I fully settle the balance before its maturity? (For balance transfer or easy payment plans)

Lock-in period - Varies depending on chosen tenure/instalment period

Early settlement penalty
Balance Transfer : RM70 will be charged if the Cardholder fully settles the balance before the expiry of the chosen tenure.
(not applicable for lifetime and one-time fee plans)
Quick Cash Monthly Interest : RM25 will be charged if the Cardholder fully settles the balance before the expiry of the chosen instalment period.

7. What are the major risks?

• By paying minimum monthly repayment, it will take you longer and cost you more to settle the outstanding balance. Think about your repayment capacity when
charging the Card. If you use your Card to make repayment for other financing, it may cost you more. Please feel free to contact the Bank for financial planning
consultation and repayment alternatives, if necessary.
• If your Card and/or PIN is lost or stolen, or after having discovered the loss or unauthorised use of your Card, please notify the Bank immediately at
HOTLINE +603 –7626 8899.

8. What do I need to do if there are changes to my contact details?

• The Bank must be informed of any changes to your contact details such as email address, mailing address & telephone numbers as soon as possible to ensure all
transaction alerts and correspondences reach you on a timely manner. You may call us at 03–7626 8899 to make the changes. For Hong Leong Online customers,
please log on to Hong Leong Connect Online Banking and select “Setting” followed by “Update Contact Info”.

9. Where can I get further information?

• For latest information contained in this Product Disclosure Sheet and full terms & conditions of our products, please visit www.hlb.com.my. In the event of any
discrepancies, the latest information and terms & conditions on the Hong Leong Bank website shall prevail.
• If you have difficulties in making repayments, you should contact us earliest possible to discuss repayment alternatives. You may contact us at:
Consumer Collections Department
Hong Leong Bank Berhad, Level 2, Tower A, PJ City Development, 15A, Jalan 219, Section 51A, Petaling Jaya, 46100 Selangor .
Tel: +603-7959 1888 Fax: +603-7873 5555 E-mail: HLBB-CreditControl*TL@hlbb.hongleong.com.my
• Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free
services on money management, credit counselling, financial education and debt restructuring for individuals. You can contact AKPK at: Tingkat 5 and 6, Menara
Bumiputra Commerce, Jalan Raja Laut, 50350 Kuala Lumpur. Tel: 03-2616 7766 E-mail: enquiry@akpk.org.my
• POWER! (Pengurusan Wang Ringgit Anda) Programme, offered by AKPK, promotes prudent money management and financial discipline to individual borrowers.
To register and for further information, kindly call 03-2616 7766 or visit the website at www.akpk.org.my
• For any enquiries, you may contact us at:
Contact Centre : 03-7626 8899 Facsimile : 03-7946 8888 E-mail : HLOnline@hlbb.hongleong.com.my
• To make a complain on products or services offered, you may contact us at:
Customer Advocacy
Level 13A, Menara Hong Leong, No 6, Jalan Damanlela, Bukit Damansara, 50490 Kuala Lumpur.
Phone: 03-7626 8801/03-7626 8802/03-7626 8812 E-mail: customerservice@hlbb.hongleong.com.my
• If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at: Block D, Bank Negara Malaysia, Jalan
Dato’Onn, 50480 Kuala Lumpur. Tel: 1-300-88-5465 Fax: +603-2174 1515 E-mail:bnmtelelink@bnm.gov.my

10. Other Card products available

More exciting privileges that come with our Cards:
i. Touch’n Go Card – the companion card that is linked to your Hong Leong Card.
It auto-reloads RM100 every time the balance in the Touch’n Go Card reaches below RM50.
ii. Balance Transfer (BT)
iii. Quick Cash One-Time Fee
i v. Quick Cash Monthly Interest
iv. Auto Balance Conversion (ABC)
vi. Extended Payment Plan (EPP)
vii. Flexi Payment Plan (FPP)

IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CARD BALANCES.
The information provided in this sheet is valid as at October 2021

3/3 V001 September 2021

Ahmad Fadzil Bin Abdul Hamid

900921105055
TRANSFER, EARN AND SAVE!
HLB CREDIT CARDS ACQUISITION CAMPAIGN (PRINCIPAL CREDIT CARD OFFER)
Last Updated on 16 November 2021

CAMPAIGN PERIOD

The Hong Leong Bank Berhad’s (193401000023 (97141-X)) (“HLB”) “Transfer, Earn and Save! HLB
Credit Card Acquisition Campaign (Principal credit card offer)” (“Campaign”) commences on 16
November 2021 at 00:00:00 hours (12:00 a.m.) and ends on 31 January 2022 at 23:59:59 hours (11:59
p.m.), both dates inclusive (“Campaign Period”), unless specified herein or notified otherwise.

TERMS AND CONDITIONS

The following sets out the terms and conditions applicable to the Campaign (“T&Cs”):

ELIGIBILITY

1. This Campaign is open to New-To-Card customers (“NTC Applicants”) who have during the
Campaign Period, applied for at least one (1) of the HLB Credit Cards (“Eligible Cards”) as stated
in Table 1 below through the following channels:
(i) HLB Branch;
(ii) HLB Direct Sales;
(iii) HLB Connect Online Banking;
(iv) HLB Corporate Website at www.hlb.com.my (“HLB’s Website”);
(v) Telemarketing; or
(vi) InBranch Service Tablet.

Table 1: Eligible Cards for the Campaign

Eligible Cards
VISA CREDIT CARD MASTERCARD CREDIT CARD
Infinite P/Infinite/Infinite Doctor’s Edition Emirates World Elite
AirAsia Gold/Platinum Emirates World
GSC Gold/Platinum Emirates Platinum
Sutera Platinum
WISE Gold
Essential Gold
I’m
Gold

2. The following shall NOT be eligible to participate in this Campaign:

(i) Existing principal cardholders of any HLB credit cards;
(ii) NTC Applicants who have joined other HLB credit card acquisition campaigns during the
Campaign Period;
(iii) Existing principal cardholders who have cancelled their HLB credit cards and have
reapplied for a new HLB credit card (including any of the Eligible Cards) as a principal
cardholder within twelve (12) months from the date of such cancellation;

1
 (iv) NTC Applicants who have committed or are suspected of committing any fraudulent,
unlawful or wrongful acts in relation to any of the facilities granted by HLB and/or Hong
Leong Islamic Bank (“HLISB”) or have been declared bankrupt (pursuant to a petition by
either banks or by any third party) or subject to any bankruptcy proceedings at any time
prior to, during or after the Campaign Period; and
(v) Existing HLB and/or HLISB staff.

3. For the purpose of this Campaign, all applications for the Eligible Cards by NTC Applicants via
the channels stated under Clause 1 above during the Campaign Period are subject to HLB’s
approval and all applications must be successfully approved latest by 28 February 2022
(“Eligible Cardholders”).

CAMPAIGN MECHANICS

4. Subject to the fulfilment of Clause 3 above, the Eligible Cardholders will be entitled to enjoy the
following offers:

(a) Annual Fee Waiver (“Annual Fee Waiver”)

(i) Eligible Cardholders, who perform a minimum of one (1) Retail Spend (as defined
under Clause 5 below) of any amount using the Eligible Card within sixty (60) days
from the Eligible Card’s approval date, will be entitled to the 1st year Annual Fee
Waiver.
(ii) Emirates World Elite, Emirates World and Emirates Platinum Cardholders will be
entitled for the Annual Fee Waiver without having to fulfil the above criteria under
Clause 4(a)(i).

(b) Ringgit Malaysia Twenty-Five (RM25) Cashback (“Cashback 1”)

(i) Eligible Cardholders who perform a minimum of one (1) Retail Spend (as defined
under Clause 5 below) of any amount using the Eligible Cards within sixty (60) days
from the Eligible Card’s approval date will be entitled to Cashback 1.
(ii) The total allocation of the Cashback 1 is capped at Ringgit Malaysia Three Hundred
Forty-Five Thousand (RM345,000) on a first come, first served basis.
(iii) In the event the Eligible Cardholders fulfil the conditions as stated under Clause
4(b)(i) above (“Cashback 1 Winners”), the Cashback 1 shall be credited to the
Cashback 1 Winners’ Eligible Card accounts in accordance with Table 2 below:

Table 2: Cashback 1 Fulfilment Schedule

Eligible Card Approval Month Cashback 1 Fulfilment Month

November 2021 By 31 March 2022
December 2021 By 30 April 2022
January 2022 By 31 May 2022
February 2022 By 30 June 2022

(iv) The Cashback 1 Winners will be notified by HLB by way of posting the list of
Cashback 1 Winners (i.e the names and/or masked Eligible Card numbers and/or
cashback entitlement) on HLB’s Website prior to the dates indicated in the
respective Cashback 1 Fulfilment Month.
(v) In the event of non-receipt of Cashback 1, the Cashback 1 Winners shall notify HLB
within one (1) month after the end of the applicable Cashback 1 Fulfilment Month ,
failing which the Cashback 1 Winners are deemed to have received the Cashback
1.

2
(c) Submission Gift: RM20 KFC Voucher (“KFC Voucher”)
(i) The first three thousand (3,000) Eligible Cardholders who apply for at least one (1) of
the Eligible Cards as stated in Table 1 above (“Maximum Allocation”) through
income documents application ONLY via HLB branch, HLB Direct Sales or InBranch
Service Tablet will be entitled to receive a Kentucky Fried Chicken (“KFC”) dining
voucher worth Ringgit Malaysia Twenty (RM20) (“Voucher”) on a first come, first
served basis until 28 February 2022
(ii) For the avoidance of doubt, each Eligible Cardholder is entitled to receive only one
(1) KFC Voucher under this Campaign.
(iii) The KFC Voucher will be given to the Eligible Cardholders by HLB staff upon the
submission of their duly completed application form together with the relevant
documents required for the Eligible Card via any HLB branch,HLB Direct Sales or
InBranch Service Tablet. Thereafter, the Eligible Cardholders are required to
acknowledge receipt of the KFC Voucher via the acknowledgement form.
(iv) HLB gives no representation or warranty with respect to the suitability or validity of
the KFC Voucher to the Eligible Cardholders and HLB shall not be responsible to
replace any lost, defaced, stolen, expired or torn KFC Voucher. Any request for
replacement of such lost, defaced, stolen, expired or torn KFC Voucher shall not be
entertained by HLB.
(v) The KFC Voucher is issued by QSR Stores Sdn. Bhd. (“Issuer”) and any queries or
disputes pertaining to the use of the KFC Voucher shall be settled directly between
the Eligible Cardholders and the Issuer without further recourse to HLB and the terms
and conditions in relation to the KFC Voucher shall apply.

(d) Earn up to RM300 cashback with RM500 Monthly Spend over 3 Months (“Cashback
2”)
(i) Eligible Cardholders who have performed a monthly Retail Spend (as defined in
Clause 5 below) of Ringgit Malaysia Five Hundred (RM500) using the approved
Eligible Card for three (3) consecutive months within the Cashback 2 Monthly
Spend Period as set out in Table 3 below will be entitled to a maximum amount
ofRinggit Malaysia Three Hundred (RM300) (“Cashback 2”) .

Table 3: Cashback 2 Monthly Spend Period

Eligible Cards 1st 2nd 3rd

Approval Month Month Month Month
16 – 30 Spend by Spend by Spend by
November 2021 31 January 2022 28 February 2022 31 March 2022
1 – 31 Spend by Spend by Spend by
December 2021 28 February 2022 31 March 2022 30 April 2022
1 – 31 Spend by Spend by Spend by
January 2022 31 March 2022 30 April 2022 31 May 2022
1 – 28 Spend by Spend by Spend by
February 2022 30 April 2022 31 May 2022 30 June 2022

(ii) For the avoidance of doubt, each Eligible Cardholder is entitled to Ringgit Malaysia
One Hundred (RM100) Cashback 2 per month if they only perform the Retail Spend
of RM500 on a particular month of the Cashback 2 Monthly Spend Period.
(iii) The total allocation of the Cashback 2 is capped at Ringgit Malaysia Two Million
Seventy Thousand (RM2,070,000) only on a first come, first served basis throughout
the Cashback 2 Monthly Spend Period as set out in Table 3.

3
 (iv) Subject to the total allocation under Clause 4(d)(iii) above, in the event the Eligible
Cardholders fulfil the conditions as set out under Clause 4(d)(i) and/or Clause 4(d)(ii)
above (“Cashback 2 Winners”), Cashback 2 shall be credited to Cashback 2
Winners’ Eligible Card accounts on a monthly basis in accordance with the
respective Cashback 2 Fulfilment Month as set out in Table 4 below.

Table 4: Cashback 2 Fulfilment Schedule

Eligible Card Approval Month Cashback 2 Fulfilment Month

November 2021 31 March 2022 to 31 May 2022
December 2021 30 April 2022 to 30 June 2022
January 2022 31 May 2022 to 31 July 2022
February 2022 30 June 2022 to 31 August 2022

(v) The Cashback 2 Winners will be notified by HLB on a monthly basis by way of
posting the list of Cashback 2 Winners (i.e the names and/or masked Eligible Card
numbers and/or cashback entitlement) on HLB’s Website by the end of the
respective Cashback 2 Fulfilment Month.

(e) Balance Transfer @ 0% p.a. (“BT”)

(i) BT plan is available for the Eligible Cardholders who have submitted for the BT
application within thirty (30) days from the Eligible Card’s approval date;
(ii) The available BT plan is subject to, the “BT Repayment Period”, “Minimum BT
Amount” and “BT Interest Rate” as defined in Table 5 below.

Table 5

Minimum BT
BT Repayment Period BT Interest Rate
Amount
12 months RM1,000 0.00% p.a.

(iii) Eligible Cardholders who have applied for BT but do not perform Ringgit Malaysia
Five Hundred (RM500) monthly Retail Spend (as defined under Clause 5) on the
approved Eligible Card for three (3) consecutive months as set out in Table 3
above will be charged a One-time fee of 2.5% on the BT Amount approved, by 31st
August 2022.
(iv) The BT allows Eligible Cardholders to transfer their credit card balances from other
banks to their Eligible Card accounts; or to credit the BT Approved Amount
(defined in Clause 4(e)(v) below) to their personal current or savings account
(“CASA”) maintained with either HLB or with other banks in Malaysia via InterBank
GIRO (“IBG”).
(v) Eligible Cardholders can apply for the Minimum BT Amount as set out in Table 5
above and up to the maximum amount of Ringgit Malaysia Thirty Thousand
(RM30,000) or 50% of the Eligible Card’s available credit limit, whichever is lower.
This is subject to HLB’s approval.
The amount approved by HLB pursuant to the BT programme shall be called “BT
Approved Amount”.
(vi) If HLB approves an Eligible Cardholder’s application for BT, upon approval the BT
Approved Amount shall be transferred to the Eligible Cardholder’s BT account (“BT
Account”).
(vii) The Eligible Cardholders shall not be entitled to any rewards points or cash rebates
for the BT programme.

4
 (viii) The applications for BT can only be submitted via HLB Branches, Telemarketing,
Direct Sales and HL Contact Centres. The Eligible Cardholders will be notified
either via letter, email and/or Short Message System (“SMS”) based on the
correspondence/email addresses and contact numbers captured in HLB’s system
once their BT applications have been approved.
(ix) Upon approval, the corresponding amount of the Eligible Cardholders’ existing
available credit limit will be reduced to the extent of the BT Approved Amount. The
available credit limit will be progressively restored when the Eligible Cardholders
repay the BT Approved Amount. HLB shall not be liable for any credit card
transactions rejected by merchants due to insufficient credit limit arising therefrom.
(x) The Eligible Cardholders shall pay the Minimum Payment as stated in the Eligible
Card monthly statement by the payment due date. “Minimum Payment” is defined
as:
(a) 5% of the Outstanding Balances in the BT Account and the Eligible Card
account billed to the respective Eligible Card monthly statement; or
(b) Ringgit Malaysia Fifty (RM50),
whichever is higher.

For the avoidance of doubt, “Outstanding Balances” means the outstanding

balances due including fees, accrued interest, finance charges and other charges.
(xi) If the Eligible Cardholders default in paying the Minimum Payment, an additional
late payment fee of 1% will be charged on the Outstanding Balances as reflected
on the Eligible Card account and BT Account, subject to a minimum of Ringgit
Malaysia Ten (RM10), or a maximum of Ringgit Malaysia One Hundred (RM100),
whichever is higher.
(xii) Upon occurrence of any of the following events:
(a) the Eligible Cardholders breach any of the T&Cs as well as the prevailing
terms and conditions of the HLB’s Cardholder Agreement;
(b) the Eligible Cardholders’ Eligible Card account and/or BT Account are in
default for ninety (90) days and above; and/or
(c) the Eligible Cardholders’ Eligible Card account and/or BT Account are
cancelled or terminated,

the Outstanding Balances of the BT Approved Amount shall immediately become

due and payable and the Eligible Cardholders shall forthwith settle the Outstanding
Balances. Otherwise, the approved BT Interest Rate (as stated in Table 5 above)
will be retracted and an interest of 18% p.a. will be charged on the Outstanding
Balances in the BT Account on daily basis until the date of full repayment. Except
if the BT was applied under Hong Leong Platinum Business Card, the Outstanding
Balances will be treated as if the amount was charged from a retail transaction
where the prevailing finance charges based on Tiered Pricing Structure shall be
levied.
(xiii) Pending the approval of the BT applications, the Eligible Cardholders shall
continue to be liable to make payment to their other credit card or charge card
accounts with the respective issuing financial institutions and/or companies in
accordance with the terms governing the same. HLB shall not be liable for interest
on any overdue payment and/or any finance charges incurred as a result of the
Eligible Cardholders’ and/or HLB’s failure or delay in making payment to the other
credit card or charge card accounts with the respective issuing financial institutions
and/or companies
(xiv) Each Eligible Cardholder is qualified to apply ONLY one (1) BT plan under the
Balance Transfer @0% p.a. offer. In the event more than one (1) BT applications
are submitted and approved, HLB may at its discretion retain the first or earliest
approved BT plan and cancel the remaining ones.

5
5. Retail Spend refers to any retail and online purchases (including standing instructions and 0%
Interest Easy Payment Plan (“EPP”) transacted locally and/or overseas (including spend
transacted in Ringgit Malaysia (“RM”) and/or other currencies) which have been successfully
charged to the Eligible Cards. Retail purchases made in currencies other than RM will be
converted to and computed in RM based on the conversion rate determined by HLB at the time
of transaction.

6. Retail Spend excludes the following:

(i) cash withdrawal in any method (i.e., Automated Teller Machine, over-the-counter, quasi
cash, cash advance, etc);
(ii) portfolio products such as Balance Transfer, Quick Cash One-Time Fee, Quick Cash
Monthly Interest and Flexi Payment Plan;
(iii) refunded, disputed, unsuccessful, reversed, unauthorized, fraudulent or unlawful
transactions; and/or
(iv) any form of services or miscellaneous fees, including finance charges and fees such as
credit card annual fee, late payment charges and government service tax, imposed by HLB.

GENERAL

7. By participating in this Campaign, the Eligible Cardholders:

(i) agree they have read, understood and agreed to be bound by the T&Cs herein, the
General Terms and Conditions of the Cardholder Agreement available on HLB’s Website;
(ii) agree that all records of transactions date within or outside Malaysia captured by HLB’s
system within this Campaign are final and conclusive;
(iii) agree that HLB’s decision on all matters relating to this Campaign shall be final, conclusive
and binding on all the Eligible Cardholders;
(iv) agree that the Annual Fee Waiver and/or Cashback 1 and/or Cashback 2 are non-
transferable to any third party and non-exchangeable for up-front credit, cheque or in kind;
(v) agree to access HLB’s Website at regular intervals to view the T&Cs of this Campaign, to
ensure they keep up-to-date with any changes or variations to the T&Cs and to follow up
with HLB if they have been enlisted for the entitlement of the Annual Fee Waiver and/or
the Cashback 1/Cashback2 and/or the BT offer;
(vi) consent for HLB to disclose or publish their names, ID numbers (in masked form), Eligible
Cards numbers (in masked form), entitlement to Cashback 1 and/or Cashback 2 on HLB’s
Website;
(vii) authorise HLB to disclose their personal data i.e., contact numbers to HLB’s third party
service provider, M3 Technologies (Asia) Berhad (199901007872 (482772-D)) and/or
Infobip Asia Pacific Sdn. Bhd (201001014145 (898379-U)) as HLB deems fit for the
purpose of this Campaign; and
(viii) agree to ensure that all the approved Eligible Cards are valid, active, in good standing and
not be in breach of any of the T&Cs of this Campaign, and/or HLB’s General Terms and
Conditions of the Cardholder Agreement throughout the Campaign Period and at the point
of the Annual Fee Waiver and/or the Cashback 1 and/or Cashback 2 and/or the KFC
Voucher are rewarded. For the avoidance of doubt, if the Eligible Cardholders have more
than one (1)
Eligible Cards, the Cashback 1 and/or Cashback 2 will be credited to the Eligible Card with
the most number of transactions.

8. HLB reserves the right to:

(i) forfeit and/or claw back the Annual Fee Waiver and/or the Cashback 1 and/or Cashback 2
in the circumstance where there is a reversal of the Retail Spend or termination of the
Eligible Cards during the Campaign Period and/or at the point of awarding the Annual Fee
Waiver and/or the Cashback 1 and/or Cashback 2 and/or the Voucher or non-compliance
to the T&Cs herein;

6
 (ii) charge a one-time fee of 2.5% on the BT Approved Amount in the circumstance where
there is a reversal of the Retail Spend or termination of the Eligible Cards during the
Campaign Period or non-compliance to the T&Cs herein;
(iii) replace and substitute the Annual Fee Waiver and/or the Cashback 1 and/or Cashback 2
and/or the KFC Voucher herein with an alternative gift of similar value by way of posting on
HLB’s Website or in any other manner which HLB deems practical, in order to give prior
notice to the Eligible Cardholders;
(iv) add, delete or amend the T&Cs herein, wholly or in part, or to terminate this Campaign by
way of posting on HLB’s Website, or in any other methods which HLB deems practical, in
order to give a prior notice to the Eligible Cardholders;
(v) decline the eligibility of the Eligible Cardholders from receiving the Annual Fee Waiver
and/or the Cashback 1 and/or Cashback 2 who have performed a Retail Spend in a manner
or pattern which HLB deems to be abnormal, irregular and/or is indicative of an attempt to
obtained an unfair advantage over other Eligible Cardholders with normal/regular spending
patterns and HLB’s decision in this matter shall be final and conclusive on all the Eligible
Cardholders;
(vi) to reject the BT application submitted by the Eligible Cardholders without assigning reasons
for doing so; and
(vii) to disqualify any Eligible Cardholders from applying for BT without assigning reasons for
doing so.

9. HLB shall not be liable and responsible for any failure or delay in the submission and/or
processing of the Eligible Cards application and/or the sales transactions by Visa international
Incorporated, MasterCard Worldwide, Merchant establishments, postal service providers or any
party in which may result in the Eligible Cardholders being omitted from this Campaign.

10. In addition to the terms stipulated above, the Eligible Cardholders agree that HLB’s General
Terms and Conditions of the Cardholder Agreement shall be read together with the T&Cs herein
as an entire agreement. Any discrepancies between these T&Cs and HLB’s General Terms and
Conditions of the Cardholder Agreement, the specific terms above shall prevail to the extent of
such discrepancies.

11. In the event of any discrepancies between these T&Cs as compared to the advertising,
promotional, publicity and other materials relating to or in connection with this Campaign, the final
terms and conditions on HLB’s Website shall prevail.

12. The T&Cs herein shall be governed by and construed in accordance with the laws of Malaysia
and the Eligible Cardholders agree to submit to the jurisdiction of the Courts of Malaysia.

13. Words denoting one gender include all other genders and words denoting the singular include
the plural and vice versa.

7
TRANSFER, EARN AND SAVE!
HLB CREDIT CARDS ACQUISITION CAMPAIGN (SUPPLEMENTARY CARD OFFER)
Last Updated on 16 November 2021

CAMPAIGN PERIOD

The Hong Leong Bank Berhad’s (193401000023 (97141-X)) (“HLB”) “Transfer, Earn and Save! HLB
Acquisition Campaign (Supplementary Card Offer)” (“Campaign”) commences on 16 November
2021 at 00:00:00 hours (12:00 a.m.) and ends on 31 January 2022 at 23:59:59 hours (11:59 p.m.), both
dates inclusive (“Campaign Period”), unless specified herein or notified otherwise.

TERMS AND CONDITIONS

The following sets out the terms and conditions applicable to the Campaign (“T&Cs”):

ELIGIBILITY

1. This Campaign is open to new and existing HLB Principal Credit Cardholders (“HLB Principal
Cardholders”).

In order to participate in the Campaign:

(a) new HLB Principal Cardholders are required to apply for at least one (1) of the HLB Credit
Cards as stated in Table 1 below (“Eligible Cards”) together with one (1) supplementary
credit card of the Eligible Cards during the Campaign Period; and
(b) existing HLB Principal Cardholders are required to apply for at least one (1) supplementary
credit card of the Eligible Cards as stated in Table 1 below during the Campaign Period.

HLB Principal Cardholders must apply for Eligible Cards through the following channels:
(i) HLB Branch; or
(ii) HLB Direct Sales.

Table 1: Eligible Cards for the Campaign

Eligible Cards
VISA CREDIT CARD MASTERCARD CREDIT CARD
Infinite P/Infinite/Infinite Doctor’s Edition Emirates World Elite
AirAsia Gold/Platinum Emirates World
GSC Gold/Platinum Emirates Platinum
Sutera Platinum
WISE Gold
Essential Gold
I’m
Gold

2. The following shall NOT be eligible to participate in this Campaign:

(i) HLB Principal Cardholders who have joined other HLB credit card acquisition campaigns
during the same period;
(ii) HLB Principal Cardholders whose HLB credit card account(s) is/are delinquent;
(iii) HLB Principal Cardholders who have cancelled their HLB credit cards and have reapplied
for a new HLB credit card (including any of the Eligible Cards) as a principal cardholder
within twelve (12) months from the date of such cancellation;
(iv) HLB Principal Cardholders who have committed or are suspected of committing any
fraudulent, unlawful or wrongful acts in relation to any of the facilities granted by HLB and/or
Hong Leong Islamic Bank (“HLISB”) or have been declared bankrupt (pursuant to a petition
by either banks or by any third party) or subject to any bankruptcy proceedings at any time
prior to, during or after the Campaign Period; and
(v) Existing HLB and/or HLISB staff.

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3. For the purpose of this Campaign, all applications for the Eligible Cards by HLB Principal
Cardholders via the channels stated in Clause 1 above during the Campaign Period are subject
to HLB’s approval and all applications must be successfully approved latest by 28 February 2022
(“Eligible Cardholders”).

CAMPAIGN MECHANICS

4. Subject to the fulfilment of Clause 3 above, the Eligible Cardholders will be entitled to enjoy the
following offers:

(a) Annual Fee Waiver (“Annual Fee Waiver”)

(i) Eligible Cardholders, who perform a minimum of one (1) Retail Spend (as defined
under Clause 5 below) of any amount using the Eligible Card within sixty (60) days
from the Eligible Card’s approval date will be entitled to the 1st year Annual Fee
Waiver.
(ii) Emirates World Elite, Emirates World and Emirates Platinum Cardholders will be
entitled for the Annual Fee Waiver without having to fulfil the above criteria in Clause
4(a)(i).

(b) Ringgit Malaysia Twenty-Five (RM25) Cashback (“Cashback 1”)

(i) Eligible Cardholders who performed a minimum of one (1) Retail Spend (as defined
under Clause 5 below) of any amount using the Eligible Cards within sixty (60) days
from the Eligible Card’s approval date will be entitled to Cashback 1.
(ii) The total allocation of Cashback 1 is capped at Ringgit Malaysia Ten Thousand
(RM10,000) on a first come, first served basis until the said total allocation for
Cashback 1 is reached.
(iii) In the event the Eligible Cardholders have fulfiled the conditions as stated above
(“Cashback 1 Winner”), the Cashback 1 shall be credited to the Cashback 1
Winners’ Eligible Card accounts in accrodance with Table 2 below:

Table 2: Cashback 1 Fulfilment Schedule

Eligible Card Approval Month Cashback 1 Fulfilment Month

November 2021 By 31 March 2022
December 2021 By 30 April 2022
January 2022 By 31 May 2022
February 2022 By 30 June 2022

(iv) The Cashback 1 Winners will be notified by HLB by way of posting the list of
Cashback 1 Winners (i.e the names and/or masked Eligible Card numbers and/or
cashback entitlement) on HLB’s website prior to the dates indicated in the respective
Cashback 1 Fulfilment Month.
(v) In the event of non-receipt of Cashback 1, the Cashback 1 Winners shall notify HLB
within one (1) month after the end of the applicable Cashback 1 Fulfilment Month,
failing which the Cashback 1 Winners are deemed to have received the Cashback
1.

(c) RM50 cashback for RM50 monthly spend for three (3) consecutive months
(“Cashback 2”)
(i) Eligible Cardholders who have performed a monthly Retal Spend (as defined in Clause
5 below) of Ringgit Malaysia Fifty (RM50) using the approved Eligible Card for three
(3) consecutive months within the Cashback 2 Monthly Spend Period as set out in
Table 3 below will be entitled to a maximum amount of Ringgit Malaysia Fifty (RM50)
Cashback 2 under this Campaign.

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 Table 3: Cashback 2 Monthly Spend Period

Eligible Cards 1st 2nd 3rd

Approval Month Month Month Month
16 – 30 Spend by Spend by Spend by
November 2021 31 January 2022 28 February 2022 31 March 2022
1 – 31 Spend by Spend by Spend by
December 2021 28 February 2022 31 March 2022 30 April 2022
1 – 31 Spend by Spend by Spend by
January 2022 31 March 2022 30 April 2022 31 May 2022
1 – 28 Spend by Spend by Spend by
February 2022 30 April 2022 31 May 2022 30 June 2022

(ii) The total allocation of the Cashback 2 is capped at Ringgit Malaysia Ten Thousand
(RM10,000) on a first come, first served basis until the total allocation is reached.
(iii) Subject to the total allocation as stated under Clause 4(c)(ii) above, in the event the
Eligible Cardholders fulfil the conditions as stated under Clause 4(c)(i) above
(“Cashback 2 Winners”), Cashback 2 shall be credited to the Cashback 2 Winners’
Eligible Card accounts in accordance with Table 4 below:

Table 4: Cashback 2 Fulfilment Schedule

Eligible Card Approval Month Cashback 2 Fulfilment Month

November 2021 By 31 May 2022
December 2021 By 30 June 2022
January 2022 By 31 July 2022
February 2022 By 31 August 2022

(iv) The Cashback 2 Winners will be notified by HLB by way of posting the list of the
Cashback 2 Winners (i.e the names and/or masked Eligible Card numbers and/or
cashback entitlement) on HLB’s Website prior to the dates indicated in the
respective Cashback 2 Fulfilment Month.
(v) In the event of non-receipt of Cashback 2, the Cashback 2 Winners shall notify HLB
within one (1) month after the end of the respective Campaign Fulfilment Month for
Cashback 2, failing which the Cashback 2 Winners are deemed to have received the
Cashback 2.

5. Retail Spend refers to any retail and online purchases (including standing instructions and 0%
Interest Easy Payment Plan (“EPP”) transacted locally and/or overseas (including spend
transacted in Ringgit Malaysia (“RM”) and/or other currencies) which have been successfully
charged to the Eligible Cards. Retail purchases made in currencies other than RM will be
converted to and computed in RM based on the conversion rate determined by HLB at the time
of transaction.

6. Retail Spend excludes the following:

(i) cash withdrawal in any method (i.e., Automated Teller Machine, over-the-counter, quasi
cash, cash advance, etc);
(ii) portfolio products such as Balance Transfer, Quick Cash One-Time Fee, Quick Cash
Monthly Interest and Flexi Payment Plan;
(iii) refunded, disputed, unsuccessful, reversed, unauthorized, fraudulent or unlawful
transactions; and/or
(iv) any form of services or miscellaneous fees, including finance charges and fees such as
credit card annual fee, late payment charges and government service tax, imposed by HLB.

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GENERAL

7. By participating in this Campaign, the Eligible Cardholders:

(i) agree they have read, understood and agreed to be bound by the T&Cs herein, the
General Terms and Conditions of the Cardholder Agreement available on HLB’s Website;
(ii) agree that all records of transactions date within or outside Malaysia captured by HLB’s
system within this Campaign are final;
(iii) agree that HLB’s decision on all matters relating to this Campaign shall be final, conclusive
and binding on all the Eligible Cardholders;
(iv) agree that the Annual Fee Waiver and/or Cashback 1 and/or Cashback 2 are non-
transferable to any third party and non-exchangeable for up-front credit, cheque or in kind;
(v) agree to access HLB’s Website at regular intervals to view the T&Cs of this Campaign, to
ensure they keep up-to-date with any changes or variations to the T&Cs and to follow up
with HLB if they have been enlisted for the entitlement of the Annual Fee Waiver and/or
the Cashback 1 and/or Cashback 2;
(vi) consent for HLB to disclose or publish their names, ID numbers (in masked form), Eligible
Cards numbers (in masked form), entitlement to Cashback 1 and/or Cashback 2 on HLB’s
Website;
(vii) authorise HLB to disclose their personal data i.e., contact numbers to HLB’s third party
service provider, M3 Technologies (Asia) Berhad (199901007872 (482772-D)) and/or
Infobip Asia Pacific Sdn. Bhd (201001014145 (898379-U)) as HLB deems fit for the
purpose of this Campaign; and
(viii) agree to ensure that all the approved Eligible Cards are valid, active, in good standing and
not be in breach of any of the T&Cs of this Campaign, and/or HLB’s General Terms and
Conditions of the Cardholder Agreement throughout the Campaign Period and at the point
of the Annual Fee Waiver and/or the Cashback 1 and/or Cashback 2 are rewarded. For the
avoidance of doubt, if the Eligible Cardholders have more than one (1) Eligible Cards, the
Cashback 1 and/or Cashback 2 will be credited to the Eligible Card account with the most
number of transactions.

8. HLB reserves the right to:

(i) forfeit and/or claw back the Annual Fee Waiver and/or the Cashback1 and/or Cashback 2
in the circumstance where there is a reversal of the Retail Spend or termination of the
Eligible Cards during the Campaign Period and/or at the point of awarding the Annual Fee
Waiver and/or the Cashback 1 and/or Cashback 2 or non-compliance to the T&Cs herein;
(ii) replace and substitute the Annual Fee Waiver and/or the Cashback 1 and/or Cashback 2
herein with an alternative gift of similar value by way of posting on HLB’s Website or in any
other manner which HLB deems practical, in order to give prior notice to the Eligible
Cardholders;
(iii) add, delete or amend the T&Cs herein, wholly or in part, or to terminate this Campaign by
way of posting on HLB’s Website, or in any other methods which HLB deems practical, in
order to give a prior notice to the Eligible Cardholders; and
(iv) decline the eligibility of the Eligible Cardholder from receiving the Annual Fee Waiver and/or
the Cashback 1 and/or Cashback 2 who has performed a Retail Spend in a manner or
pattern which HLB deems to be abnormal, irregular and/or is indicative of an attempt to
obtained an unfair advantage over other Eligible Cardholders with normal/regular spending
patterns and HLB’s decision in this matter shall be final and conclusive on all the Eligible
Cardholders.

9. HLB shall not be liable and responsible for any failure or delay in the submission and/or
processing of the Eligible Cards application and/or the sales transactions by Visa international
Incorporated, MasterCard Worldwide, Merchant establishments, postal service providers or any
party in which may result in the Eligible Cardholders being omitted from this Campaign.

10. In addition to the terms stipulated above, the Eligible Cardholders agree that HLB’s General
Terms and Conditions of the Cardholder Agreement shall be read together with the T&Cs herein
as an entire agreement. Any discrepancies between these T&Cs and HLB’s General Terms and
Conditions of the Cardholder Agreement, the specific terms above shall prevail to the extent of
such discrepancies.

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11. In the event of any discrepancies between these T&Cs as compared to the advertising,
promotional, publicity and other materials relating to or in connection with this Campaign, the final
terms and conditions on HLB’s Website shall prevail.

12. The T&Cs herein shall be governed by and construed in accordance with the laws of Malaysia
and the Eligible Cardholders agree to submit to the jurisdiction of the Courts of Malaysia.

13. Words denoting one gender include all other genders and words denoting the singular include
the plural and vice versa.