• Min. Monthly Income

    RM8,334.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Enjoy RM3:1 Mile for local & RM2:1 for overseas spending*
  • Enjoy 6 months 0% interest on overseas transactions*
  • Free lifetime annual fee for principle & first 3 supplementary card holders*
Dining
7/10
Entertainment
7/10
Groceries
7/10
Shopping
7/10
Utilities
7/10

Dining

  • 1 MAS Enrich Miles for every RM3 spent locally
  • 1 MAS Enrich Miles for every RM2 spent overseas

Entertainment

  • 1 MAS Enrich Miles for every RM3 spent locally
  • 1 MAS Enrich Miles for every RM2 spent overseas

Groceries

  • 1 MAS Enrich Miles for every RM3 spent locally
  • 1 MAS Enrich Miles for every RM2 spent overseas

Shopping

  • 1 MAS Enrich Miles for every RM3 spent locally
  • 1 MAS Enrich Miles for every RM2 spent overseas

Utilities

  • 1 MAS Enrich Miles for every RM3 spent locally
  • 1 MAS Enrich Miles for every RM2 spent overseas

Other Features

  • Privileges

    • 2x Plaza Premium Lounge passes for the first year
    • Enjoy preferential foreign exchange rates when purchasing currencies from Hong Leong Bank Bureau de Change
    • Enjoy complimentary travel accident and inconvenience insurance coverage of up to RM1.5 million for you and your dependents
    • Access to Visa and CIT travel desks for concierge service and personalised travel packages.

  • Balance Transfer

    • 4.99 % per annum for lifetime (only for new applicants)

  • Instalment Plan

    • 0% interest Instalment Payment Plan for 6 months on overseas purchases between RM500 – RM20,000 in a single receipt)

Card Information

Annual Fee Free
Min. Monthly Income RM8,334.00
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM0
Finance charges 15% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding amount, up to maximum of RM100

Cash advance amount

Up to 90% of credit limit

Cash advance charge

Higher of RM20 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

More Free Flights!

With Mach Signature Credit Card, for every RM3 that you spent locally or for every RM2 that you spent overseas, you will be able to get 1 MAS Enrich Miles. This travel miles reward apply to key spending categories such as when you wine and dine in a restaurant, watch a movie in the cinema, buy your groceries for the week, shop for new clothes, electronic gadgets or furniture, and pay your bills. This card also allows you to enjoy the Plaza Premium Lounge in airport twice a year for free (for the first year); allowing you to wait for your flight in a relaxed atmosphere. On top of that, you will also get to enjoy preferential foreign exchange rates; allowing you to save more money than everyone else when you travel. Being a "travel-focused card", it also comes with Travel Accident and Inconvenience Insurance coverage not only for you but also for your dependents. To top all the above benefits, is the privilege of having access to Visa and CIT travel desks for concierge service and personalised travel packages.

Fees and Charges

Annual fee for Mach Signature Credit Card is waived by the bank for both the principal and supplementary cardholder. However for supplementary cardholder, the waiver only applies for the first three supplementary cardholders. The lowest interest rate that comes with this card is 15% per annum which will require the cardholder to make consistently prompt minimum monthly repayments. Missing out on a month or two will result in the interest rate to go up to 17% per annum. Anything beyond that, will see the outstanding balance of the card be charged with 18% per annum interest that is compounded daily. On top of that, there is the late payment penalty which can go up to a maximum of RM100.

Are You Eligible For The Mach Signature Credit Card?

Application for this card will require the individual to have a minimum income of RM8,334 and to be at least 21 years old. Application requirement for the supplementary cardholder will only require the individual to be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Mach Visa Credit Card and Maybank Visa Classic, which may match your requirements.

If you prefer to broaden your credit card search, review more Mach credit cards and start comparing today!