The most simple security measure for a contactless Debit Card is the fact that it never leaves your hand. Because you’re in control of the payment, there’s no chance that someone will double swipe or make a copy of your Debit Card when you’re not looking.

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 RM250 in Malaysia. If the transaction is more than RM250, you can still tap the Debit Card but will be required to enter your PIN or be asked to sign the receipt.

In the unlikely event of fraud, you will not be held responsible for fraudulent charges or unauthorised purchases made using the contactless feature on your chip Debit Card. You must notify us immediately or as soon as reasonably possible of any unauthorised Debit Card use or any suspicious activities. However, you may be held responsible for unauthorised purchases if you were negligent with protecting your Debit Card or your PIN.

A: A PIN, or Personal Identification Number, is a secret code either issued by HLB/HLISB to the Cardholder upon request or selected by the Cardholder at any HLB/HLISB’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.

A: 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.

A: 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.

A: All Banks are mandated by Bank Negara Malaysia (“BNM”) to get the Cardholders to change their existing C&S Debit Card to the new P&P Debit Card by 31 December 2016 or the date specified in the SMS or ATM Screen.

A: After the stipulated deadline for change, your C&S Debit Card will no longer be valid for use. You may not be able to perform retail purchases and ATM transactions (including cash withdrawal).

A: No, you are required to visit any HLB/HLISB’s branches to personally change your C&S Debit Card to the new P&P Debit Card.

A: The P&P Debit Card is a secured PIN-enabled Debit Card which requires the Cardholders to key in a PIN to perform a POS transaction.

A: HLB/HLISB’s P&P Debit Card has the Malaysian Chip Card Specification (“MCCS”) Contactless logo (and the Visa payWave logo for HLB Debit Cards only) as well as MyDebit logo at the top and middle right of the Debit Card respectively. A sample of P&P and C&S Debit Cards are as shown below:

Dear Debit Cardholders,

Effective 30 December 2015, all Overseas ATM Withdrawal and Overseas Purchases, Mail Order/ Telephone Order, Auto Debit and Internet Purchase (non-3D secure transactions) using Hong Leong Debit Card have been blocked as a security measure in line with Bank Negara Malaysia’s regulation.

Debit Cardholders are required to activate these services before they can perform the above transactions.

You can enable these transactions conveniently via the following channels:-

1. Hong Leong Connect Internet Banking

• Log on to www.hongleongconnect.my
• Under “Other Services” menu, go to “Card Settings” and select “Overseas Withdrawal & Debit Card Settings”
• Click on the toggle button of the relevant services to opt in
• An AppAuthorise notification or TAC will be sent to your mobile phone
• Tap “Authorise” on the AppAuthorise screen or enter the TAC, click “Confirm” and you’re done!

2. Hong Leong Connect Mobile App

• Log on to Hong Leong Connect Mobile App
• Click on the CURRENT/SAVINGS ACCOUNT, click on the “SERVICES” tab and click on “Debit Card Settings”
• Click on the toggle button of the relevant services
• An AppAuthorise notification or TAC will be sent to your mobile phone
• Tap “Authorise” on the AppAuthorise screen or enter the TAC, click “Confirm” and you’re done!

3. HLB/HLISB ATM

• Insert your Debit Card
• Press “Debit Card Service Activation / Deactivation”
• Select the relevant services
• Select “Activate” (opt-in) and you’re done!

4. Contact Hong Leong Call Centre at 03-7626 8899

5. Go to any of our Branches during banking hours

This move is IMPORTANT to prevent fraud and further protect Cardholders from becoming victims of fraudsters.

Thank you.

A: CNP transaction is a card transaction made whereby a Cardholder is not physically present (i.e. non Face-to-Face) at the merchant when the payment is made. Examples of CNP transactions are Internet Purchase (non-3D secure transaction), Mail Order Telephone Order and Auto Debit.

A: An Overseas transaction is a transaction that is performed outside of the country (i.e. out of Malaysia). Overseas transactions include Point-of-Sale (“POS”) transactions and cash withdrawals that are made at ATMs outside of Malaysia.

A: This is pursuant to new regulations that have been imposed by Bank Negara Malaysia which mandated all financial institutions and issuers to default and/or block any Debit Cardholders from making any CNP transactions that are not authenticated via strong authentication method such as dynamic password or any Overseas transactions using a Debit Card UNLESS the Debit Cardholder has expressly opted-in to perform such transactions. The requirement to opt-in seeks to ensure that adequate risk management measures and controls are in place among financial institutions and issuers, and to educate Debit Cardholders on the safe practices in order to mitigate the risks of unauthorized transactions, in particular CNP and Overseas transactions.

A: An Internet Purchase that is non-3D secure is a transaction that only requires Debit Cardholder to use the details on the card (i.e: Card Number, Expiry Date and CVV) to transact. In comparison, an Internet Purchase that is 3D secure requires the details on the card and One Time Password (“OTP”) to authorize the transaction.
transactions.

A: Yes, Debit Cardholder may choose to opt in to any of these four (4) types of transactions: i. Non-3D Secure Internet Purchase ii. Mail Order / Telephone Order (MOTO) / Auto Debit iii. Overseas Retail Purchase iv. Overseas ATM withdrawal

A: You may choose to opt in from the following channels:-

• Hong Leong Connect at www.hongleongconnect.my
• Hong Leong Connect Mobile App 
  
• HLB/HLISB ATM
• Call Centre – 03 7626 8899
• HLB/HLISB Branches during banking hours

A: When a CNP and/or Overseas transaction is performed, there is a risk of your account data being compromised or the information being used for unauthorized purchases and/or cash withdrawals. Please be reminded that in the case of Overseas transactions, the card verification features for POS transactions may vary from country to country and some countries/merchants may not adopt a more stringent approach. Fraudulent transactions may occur if your account data is compromised.

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