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Features & Benefits
Contactless
Contactless transactions for purchases below USD 50 without having to enter a PIN
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Contactless transactions for purchases below USD 50 without having to enter a PIN
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E-Commerce
Shop online with your physical and virtual Mastercard Debit Card
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Shop online with your physical and virtual Mastercard Debit Card
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Cash Withdrawal
Withdraw cash with your physical Debit Card via:
- HLBCAM's ATM
- Local MasterCard members' ATM/POS (dependent on merchant acceptance)
- International MasterCard members' ATM/POS (dependent on merchant acceptance)
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Withdraw cash with your physical Debit Card via:
- HLBCAM's ATM
- Local MasterCard members' ATM/POS (dependent on merchant acceptance)
- International MasterCard members' ATM/POS (dependent on merchant acceptance)
More details
Less details
Balance Inquiry
Balance inquiry with your physical debit card via:
- HLBCAM's ATM
- Local/International MasterCard Members' ATMs
- Hong Leong Connect or Internet Banking
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Balance inquiry with your physical debit card via:
- HLBCAM's ATM
- Local/International MasterCard Members' ATMs
- Hong Leong Connect or Internet Banking
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Point of Sale (POS) Retail Transaction
Make retail transactions with your physical Debit Card via:
- Local Mastercard members' POS
- International Mastercard members' POS
- Pre-authorization transaction handling such as hotel and hospital booking
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Make retail transactions with your physical Debit Card via:
- Local Mastercard members' POS
- International Mastercard members' POS
- Pre-authorization transaction handling such as hotel and hospital booking
More details
Less details
Secure chip to prevent counterfeit
- Contactless Debit Cards are as secure as any other chip-enabled Debit Card and carry the same multiple layers of security to prevent counterfeit.
- Each contactless transaction includes a unique code generated by the chip in the Debit Card that changes with each purchase, thereby preventing fraudsters from replaying information read from the chip to make payments.
Customer verification for higher value purchases
- As contactless technology is designed to offer customers speed and convenience at the cashier, you do not need to sign or enter a PIN for contactless transactions up to USD 50.
- Transactions above USD 50 will still allow customers to tap their Debit Card but they will be required to enter their PIN or asked to sign the receipt.
No cardholder liability for contactless purchases
- In the unlikely event of fraud, you will not be held responsible for fraudulent charges or unauthorized purchases made using the contactless feature on your chip Debit Card.
- You must notify us immediately or as soon as reasonably possible of any unauthorized Debit Card use or any suspicious activities.
- You may be held responsible for unauthorized purchases if you were negligent with protecting your Debit Card or your PIN.
A. General
Q1: What is a PIN?
A PIN, or Personal Identification Number, is a secret code issued by Hong Leong Bank to the cardholder upon request or selected by the cardholder at any Hong Leong Bank’s branches in accordance with the application procedures on ATM services and includes changes on the same day made by the cardholder as the case may be, from time to time. This PIN can be used for making purchases at retail shops and to perform cash withdrawal as well as transactions at all Automated Teller Machine (“ATM”) In short, a PIN is required to authenticate and complete a Debit Card transaction be it at ATM, Point-of-Sale (“POS”) or any type of payment devices that requires a PIN.
Q2: Why is a PIN safer than signing?
PIN usage can help protect against fraud due to lost or stolen cards as the PIN is only known to Cardholder. The risk of signature being faked/forged is reduced accordingly. Therefore, PIN has to be protected in a highly secured manner and not to be disclosed to any third party.
Q3: How do I keep my PIN secured?
Some measures to keep your PIN confidential and safe include:
- Do not use numbers associated with birthday or anniversary date, phone number, IC no., driver’s license as the PIN;
- Do not keep a written record of the PIN;
- Do not allow any third party to see your PIN when it is entered or displayed;
- Do not keep the PIN in a form that can be readily identified as a PIN;
- Do not disclose the PIN to any third party (including persons in apparent authority, family members or spouse);
- Do not negligently or recklessly disclose your PIN; and
- Notify the Bank if the PIN has become known to someone else and change the PIN immediately.
Q4: Is the PIN the same for both ATM and POS transaction?
Yes.
Q5: Can I request to have 2 different PINs for ATM and POS transactions?
No.
Q6: Is the PIN required for Debit Card’s Card-Not-Present transactions (auto debit, mail order telephone order and/or online purchase)?
No, it is not required. The PIN is to be used at ATMs, POS terminals and/or other payment devices only. For secured online transactions, the Cardholders are required to key in the MasterCard Secured one-time password (OTP) instead, which will be sent to their mobile phone to authorize the transactions.
Q7: What happens if I use my new Debit Card at a POS terminal not supporting PIN?
The POS terminal will process the transaction with your Debit Card without prompting for PIN and you will be required to sign on the transaction receipt to complete the transaction.
Q8: Do I need to enter a PIN at a self-service kiosk or terminal (i.e. petrol station)
If the self-service kiosk or terminal supports PIN, it will prompt you to enter a PIN when you insert your card into the terminal. If you do not know, or if you do not have a PIN enabled card, you may proceed indoors to the shop to pay at the attended terminal with signature.
Q9: Can I use my Debit Card in countries that are on magnetic stripe (example United States of America)?
Yes, the Debit Card can be used globally where there is acceptance of payment brands of MasterCard.
Q10: Am I required to enter a PIN for a pre-authorized transaction (e.g hotel check-in)?
Yes.
Q11: Am I required to enter a PIN when I return goods to merchants for refund?
No.
B. Wrong/Forgot PIN
Q12: What happen if I’ve entered a wrong PIN?
Three attempts are allowed before your Debit Card is blocked. When the Debit Card is blocked, you are required to visit any HLB's branches or log on to Hong Leong Connect Online Banking to reset your PIN.
Q13: What happens if I’ve forgotten my PIN?
You may visit any Hong Leong Bank branch to reset your PIN. Alternatively, you may log-on to Hong Leong Connect Online Banking to create a new PIN.
C. Overseas
Q14: I’m travelling abroad for holidays. Can I use my Debit Card at retailers overseas?
Yes, you can use your Debit Card at any retailers worldwide that accepts Mastercard.
D. Mastercard
Q15: I’m travelling abroad for holidays with my new Debit Card. What should I do prior to travelling?
You have to activate your new Debit Card and select your preferred PIN, if you have not done so, before travelling abroad. When transacting via your new Debit Card, you have to enter your 6-digit PIN when prompted by the POS terminal and/or the cashier.
Q16: I’m travelling abroad for holidays with my P&P Debit Card. I have my 6-digit PIN with me but the retailer informed me that the POS terminal is not PIN-enabled (accept signature only)/ the POS terminal can only accept 4-digit PIN. What should I do now?
You have to request the retailer to by-pass PIN entry and use signature instead.
E. Others
Q17: Can I identify an authorized Debit Card transaction on the transaction receipts and/or statement?
Yes, the transaction receipts and/or statement will display the word “PIN Verified”.
Q18: Is the PIN printed on the transaction receipt?
No.
Q19: Do I still need to sign on the reverse of my Debit Card?
Yes, this is still necessary as the signature will continue to be used for verification in certain situations (e.g. travelling to a country where PIN is not used, where the terminals of merchants have not upgraded to support PIN-based transactions etc.).
Q20: Is a PIN required for contactless transactions?
PIN is not required for transactions up to USD 50 in a single receipt. If the transaction exceeds USD 50 in a single receipt, you are required to enter your PIN.
FEES & CHARGES
Description | Fees/Charges (Subject to Government Tax, if applicable) |
---|---|
Issuance/Renewal
|
No fee No fee No fee |
Annual Fee
|
USD 6.00 No fee No fee |
Card Replacement Fee**
**For damaged Debit Card due to Cardholder's fault and lost/stolen |
USD 6.00 No fee No fee |
ATM Cash Withdrawal: Domestic:
International:
|
No fee
USD 0.50 USD 0.50
USD 0.50 USD 0.50 |
ATM Balance Inquiry: Domestic:
International:
|
No fee
USD 0.50 No fee
USD 0.50 No fee |
Printed Monthly Statement | USD 2.00 |
Overseas Transaction | The Card Transactions effected in currencies other than United-States Dollar will be converted into United-States Dollar on the date it is processed by MasterCard International at the foreign exchange rate determined by MasterCard International will be charged on the conversion: (i) 1% transaction fee charged by MasterCard International; and (ii) A maximum of 2% foreign exchange conversion fee imposed by the Bank. Transactions in United-States Dollar shall be debited from the Cardholder’s account with any administration fees imposed by MasterCard International. |
Capture at Other Bank's ATM/POS
|
USD 5.00 No fee |
Click here for the list of fees and charges, or visit any of our branches for further information.