• 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.

• 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.

• 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 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.

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.

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.

Yes.

No.

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.

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.

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.

Yes, the Debit Card can be used globally where there is acceptance of payment brands of MasterCard.

Yes.

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.

Yes, you can use your Debit Card at any retailers worldwide that accepts Mastercard.

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.

You have to request the retailer to by-pass PIN entry and use signature instead.

Yes, the transaction receipts and/or statement will display the word “PIN Verified”.

No.

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.).

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.

Click here for the list of fees and charges, or visit any of our branches for further information.