Product Disclosure Sheet Last updated on 1 November 2016
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- Allison McGee
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1 Product Disclosure Sheet Last updated on 1 November 2016 Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take up the Hong Leong Debit Card. Be sure to also read the general terms and conditions) Hong Leong Debit Card (The information provided in this disclosure sheet is valid as at 1 November 2016) 1. What is this product about? 4. What are the fees and charges I have to pay? This is a Debit Card, a payment instrument Fees/Charges Fees & Charges Description which allows you to pay for goods and (exclusive of GST) services from your deposit accounts at Issuance Fee participating retail and service outlets via VISA, MasterCard or MEPs network. The Basic Savings/-i /Basic Current Debit Card also allows you to withdraw cash Account/-i ( BSA/BCA/-i ) at the Automatic Teller Machines (ATM). You are required to maintain a deposit Generic/Junior RM8.00 per card account with us, to be linked to your Debit Card. If you close your deposit account Priority Banking Card ( PB ) maintained with Hong Leong Bank (HLB), you will not be able to perform any Character Cards^ (Hello RM12.00 per card via Debit Card. Customer is to Kitty/Transformers) read and understand the HLB Debit Card RM8.00 per Terms and Conditions before signing the Annual Fee card(except agreement and using the Debit Card. BSA/BCA/-i/PB) 2. What do I get from this product and what are the limitations? ATM Cash Withdrawal Withdraw cash locally and overseas from over 1 million ATM machines that display the logo MEPS, VISA, PLUS, MasterCard or Cirrus. Payment Convenience Make purchases at over 29 million VISA and MasterCard merchants domestically and worldwide, as well as MEPS e-debit merchants. You can also pay bills, transfer money and make purchases online. Visa paywave/paypass/mccs Contactless acceptance Pay with just one wave a fast, contactless and convenient way of making payments. Discounts & Privileges Enjoy exclusive discounts from dining, shopping, travelling and many more at selected merchants simply by using the Hong Leong Debit Card. Bonus Interest Earn Bonus Interest on your Savings Account with every swipe on your Hong Leong Debit Card. The more you swipe, the higher the Bonus Interest earned. This is only applicable if you tag your Retail Purchase Account to:- i) Hong Leong Pay&Save Account ii) Hong Leong One Account (without overdraft) GST (6%) RM0.48 per card RM0.72 per card RM0.48 per card(except BSA/BCA/-i/PB) Fees/Charges (inclusive of GST) RM8.48 per card RM12.72 per card RM8.48 per card(except BSA/BCA/-i/PB) is applicable if the Debit Card is only linked to BSA/BCA/-i. Otherwise, Debit Card Issuance and Annual Fee will be charged accordingly. ^Cardholder with a new and/or existing Hong Leong Junior Savings Account/-i, single BSA/-i and/or single BCA/-i are not eligible to apply for Character Cards. Card Replacement Fee** PB BSA/BCA/-i RM9.00 per card RM12.00 per card RM9.00 per card RM12.00 per card Savings/Current Account/-i other than BSA/BCA/-i RM18.00 per card RM18.00 per card **For damaged ATM/Debit Card due to the Cardholder s fault and lost/stolen, conversion from Generic Debit Card to Character Debit Card or vice versa ATM Cash Withdrawal: Domestic The Bank s ATM Other Bank s ATM International Via MEPs ATM Network (Indonesia, Singapore, Thailand, Vietnam and Korea) Via VISA PLUS/ MasterCard Cirrus Debit Card Monthly Statement (Hardcopy) Optional feature for VISA Cardholders only) Ad-hoc Printed Statement Request Note: There will be additional RM2.12 per page if statement is less than a year or RM5.30 per page if statement is more than a year RM1.00 per RM8.00 per RM12.00 per RM0.06 per RM0.48 per RM0.72 per RM1.06 per RM8.48 per RM12.72 per RM2.00 per month RM0.12 per month RM2.12 per month RM10.00 per request RM0.60 per request RM10.60 per request Sales Draft Retrieval Fee RM20.00 RM1.20 RM What are the key terms & conditions? A pre-authorization amount of RM 200 is charged to the Retail Purchase Account linked to the Debit Card for payment made at the automated fuel dispenser. The preauthorization amount will be reversed out The in foreign currency shall be converted at the foreign exchange The in foreign currency shall be converted at the foreign exchange and the actual amount will be rate and spread, if rate and spread, if Overseas Transaction charged to your Retail Purchase Account any, as determined any, as determined upon settlement by the merchant within three (3) working days. Alternatively, you may opt to pay with your Debit Card at the cashier to avoid the by Visa/MasterCard International, plus 1% mark-up imposed by the Bank by Visa/MasterCard International, plus 1% mark-up imposed by the Bank earmarking of the pre-authorization amount. 1
2 5. What if I fail to fulfill my obligations? 9. Contactless Functionality You must always use reasonable precautions to prevent the loss of your Default Contactless Transaction Limit Debit Card, not disclosing the PIN number/details to any person. If your Debit Card is lost or stolen, you must notify HLB immediately, followed by a copy of the police report, then the maximum liability for unauthorized retail is confined to RM 250 (provided that you have not acted fraudulently/unlawfully). - Your default contactless limit is RM250. After your card has been tapped or waved on a contactless-enabled card reader, you will not be required to enter a PIN, unless your is above RM250. If your is above RM250, you can still pay with your Debit Card, you simply need to enter your PIN. You are fully liable for all unauthorized ATM s. 6. What are the major risks? Your Debit Card being lost/stolen. You should notify HLB immediately at to block your Debit Card after having found that your Debit Card is lost or stolen or unauthorized has been conducted. 7. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact and/or personal details to ensure that all correspondences reach you in a timely manner. This can be done by going to any of our branches or call our Hong Leong Contact Centre at to update your contact and/or personal details. 8. Where can I get further information? If you have any enquiries, please contact us at: Hong Leong Debit Cards P.O.Box Kuala Lumpur Malaysia Hong Leong Contact Centre/Self Service Phone Banking: (Our Customer Relationship Officers are available from 7.00am to 12.00am daily whereas the Self-Service Phone Banking is available 24x7) Website: Or visit any of our HLB branches nationwide Default Cumulative Contactless Limit - For additional security, every time you perform a total of RM400 contactless s cumulatively, you will be asked to perform a contact and key in your PIN to reset your contactless limit. Once you have entered your PIN, your cumulative contactless limit will be reset to zero.setting your own limit - You may re-set your Contactless Transaction limit and your Cumulative Contactless Limit from RM0 - RM400 by visiting any HLB/HLISB branch. Even if you do not re-set these limits, your Contactless Transaction limit and your Cumulative Contactless Limit may nevertheless be affected by your Retail Purchase limit which you previously set. Example: Retail Purchase limit Last updated on 1 November 2016 Default Contactless Transaction limit Default Cumulative limit RM100 RM100 RM100 RM300 RM250 RM300 RM500 RM250 RM400 2
3 PIN & PAY Debit Cardholder Safety Tips You, and any additional cardholder, must take all reasonable precautions to prevent the Debit Card and the card number, the PIN, your password or any other security details for the card or account (the card security details ) from being misused or being used to commit fraud. These precautions include: sign the Debit Card as soon as it is received and comply with any security instructions; protect the Debit Card, the PIN, and any Debit Card security details; do not allow anyone else to have or use the Debit Card; destroy any notification of the PIN and of any Debit Card security details; do not write down the PIN or the Debit Card security details nor disclose them to anyone else including the police and/or Hong Leong Bank/Hong Leong Islamic Bank staff; do not allow another person to see your PIN when you enter it or it is displayed; do not tamper with the Debit Card; regularly check that you still have your Debit Card; keep Debit Card receipts securely and dispose of them carefully; contact us about any suspicious matter or problem regarding the use of the Debit Card at a terminal; and check your statements regularly and report any suspicious activities immediately. You must notify us immediately if: your Debit Card is lost or stolen; or your PIN may have been disclosed/compromised; or your Debit Card is retained by an ATM; or your address or contact details have changed. You must select or change your PIN to a number selected by you, before the PIN can be used for s. Your selected PIN must be one designed to reduce the chance of anybody guessing the numbers you selected. You must avoid unsuitable PINs such as: birth dates, months or years in any form or combination; sequential numbers (such as ) and easily identifiable number combinations (such as ); any of the blocks of numbers printed on your Debit Card; other easily accessible personal numbers such as parts of personal telephone numbers, identity card number, or other personal data. Card Pre-authorisation at Petrol Station Self-Service Pump What happens when I use my Debit Card at a self-service pump? When you use your Debit Card at a self-service pump (automated fuel dispenser) at a petrol station, the self-service pump will authorise the fuel before you can start pumping fuel into your vehicle. This is performed by sending a pre-authorisation amount on the payment card to your Debit Card issuer. What is a pre-authorisation? A pre-authorisation is a temporary hold of a specific amount from the available balance on the payment card. It is used to verify that the card is active and has sufficient available funds prior to dispensing fuel. What amount will be pre-authorised on my Debit Card when using a self-service pump? Because the pre-authorisation must happen before the fuel is pumped, the actual amount of fuel pumped is not yet known at the time of the pre-authorisation. The agreed pre-authorisation amount at self-service pumps in Malaysia is set to RM200. What if the amount of fuel pumped is less than the pre-authorised amount? The amount of the pre-authorisation is not a charge and no funds are debited from the Debit Card account, but the available balance on the Debit Card is temporarily reduced by the pre-authorisation amount. Once you have completed pumping fuel, the actual amount for the fuel dispensed will be sent to your issuing bank. At this point the actual amount will be debited from the Debit Card account, and the pre-authorisation amount is cleared. However, this may take 3 4 business days after the fuel was dispensed and the pre-authorisation was generated. What if my available funds are less than RM200 or if I want to avoid a RM200 hold of funds on my card? Customers who want to avoid a pre-authorisation at self-service pumps are advised to go to the cashier where the exact purchase amount would be deducted from the cardholder s account. Debit Cards with a Contactless Feature A contactless card is a fast, easy, and convenient way to pay and lets you make everyday purchases quickly and safely with just a tap of your contactless-enabled Debit Card wherever you see the universal contactless symbol. How does my contactless card work? The contactless functionality consists of an embedded computer chip with an antenna that sends the signal wirelessly over a small distance without direct contact between the merchant terminal and the contactless Debit Card. In order to make a payment you simply need to tap your card with a contactless interface to the terminal reader when prompted. No PIN or signature is required for contactless s up to RM250 in Malaysia. 3
4 Security Features The Debit Card never leaves your hand 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. 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 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 s up to RM250 in Malaysia. If the 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. No Cardholder Liability for Contactless Purchases 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. Frequently Asked Questions Could I unknowingly make a purchase if I walk past a contactless reader? A contactless Debit Card must be very close to the contactless reader at the cashier to work. Your contactless Debit Card will only work when the Debit Card is within 4cm of the card reader. Furthermore, the reader needs to be enabled by the cashier and this will only happen when the cashier initiates a at the terminal to accept payment. If the contactless reader is not processing a, it will not read any contactless card presented in front of it by mistake. What happens if I accidentally tap my Debit Card twice on the contactless reader? The contactless terminal can only process one at a time. Even if the contactless Debit Card is accidentally tapped more than once, you will only get billed once for the. What happens if I have more than one contactless card in my wallet and I tap my wallet on the contactless reader? If you hold your card up to a reader and you have any other contactless payment cards nearby, the reader might detect more than one card and won t complete the payment. You will need to do the again. You should make sure you only hold one card on the reader and always take it out of your wallet. What if a fraudster reads my Debit Card by placing a contactless reader close to my wallet? In the unlikely event that the contactless Debit Card security details are read by a fraudster through a rogue contactless reader in close proximity to your pocket or wallet, safeguards are in place to prevent unauthorised use of the intercepted card security details. Each contactless includes a unique code that changes with each purchase, which can only be used once and can only be generated by the chip in the original contactless Debit Card, and prevents a counterfeit Debit Card from being produced from the intercepted card security details. 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 card. You must notify us immediately or as soon as reasonably possible of any unauthorised Debit Card use or any suspicious activities. Could a fraudster steal my Debit Card and use it to empty my bank account? Safeguards are in place to mitigate the use of a lost or stolen contactless Debit Card by a fraudster. There is a low contactless limit of RM250, above which the cannot be authorised without cardholder verification PIN or signature verification. Transactions are analyzed by the card issuer and global payment networks in real-time to identify fraud patterns and detect suspicious s. 4
5 Helaian Pendedahan Produk Dikemaskini pada 1 November 2016 Helaian Pendedahan Produk (Baca Helaian Pendedahan Produk ini sebelum anda menetapkan untuk memohon Kad Debit Hong Leong. Pastikan anda juga membaca terma dan syarat am) Kad Debit Hong Leong (Maklumat yang terkandung dalam kertas pendedahan ini adalah sah pada tarikh 1 November 2016) 1. Apakah produk ini? 4. Apakah yuran dan caj yang perlu saya bayar? Kad Debit ini adalah suatu instrumen Fi/Yuran (tidak Penerangan Fi & Yuran pembayaran yang membolehkan anda termasuk GST) membuat bayaran bagi barangan dan Fi Pengeluaran perkhidmatan daripada akaun deposit anda di kedai dan perkhidmatan yang turut serta melalui rangkaian VISA, MasterCard atau MEPS. Kad Debit ini juga membolehkan anda membuat pengeluaran wang tunai di Mesin - Akaun Simpanan Asas/-i /Semasa Asas/-i ( BSA/BCA/-i ) - Generic/Junior - Kad Perbankan Prioriti ( PB ) RM8.00 setiap kad Juruwang Automatik (ATM). Anda dikehendaki - Kad Karakter^ (Hello RM12.00 setiap kad mengekalkan akaun deposit dengan kami, Kitty/Transformers) yang akan dipautkan kepada Kad Debit anda. Jika anda menutup akaun deposit di Hong Leong Bank (HLB), anda tidak boleh melakukan apa-apa dengan Kad Debit. Pelanggan hendaklah membaca dan memahami Terma dan Syarat Kad Debit HLB sebelum menandatangani perjanjian dan menggunakan Kad Debit. Fi Tahunan RM8.00 setiap kad (kecuali BSA/ BCA/- i/pb) 2. Apakah yang akan saya perolehi daripada produk ini dan apakah batasanbatasannya? Pengeluaran Wang Tunai di ATM Mengeluarkan wang tunai dalam negara dan luar negara daripada lebih 1 juta mesin ATM yang mempamerkan logo MEPS, VISA, PLUS, MasterCard atau Cirrus. Kemudahan Pembayaran Membuat belian di lebih 29 juta peniaga VISA dan MasterCard dalam negara dan luar negara, serta juga peniaga e-debit MEPS. Anda juga boleh membayar bil, memindahkan wang dan membuat belian dalam talian. Penerimaan Visa paywave/paypass/ MCCS Contactless Bayar dengan satu lambaian cara yang cepat, tanpa sentuh dan mudah untuk membuat pembayaran. Diskaun & Keistimewaan Nikmati diskaun eksklusif apabila menjamu selera, membeli-belah, melancong dan lainlain lagi di tempat peniaga terpilih hanya menggunakan Kad Debit Hong Leong. Faedah Bonus Akaun Simpanan anda akan mendapat Faedah Bonus dengan setiap penggunaan Kad Debit Hong Leong anda. Anda akan memperolehi Faedah Bonus yang lebih tinggi apabila anda lebih menggunakan Kad Debit. Ini adalah sah jika anda tag Akaun Pembelian Runcit anda kepada:- i) Akaun Pay&Save Hong Leong ii) Akaun One Hong Leong (tanpa overdraf) 3. Apakah terma dan syarat utama? Jumlah pra-kebenaran sebanyak RM 200 akan dicaj ke Akaun Pembelian Runcit yang dikaitkan dengan Kad Debit untuk pembayaran yang dibuat pada dispenser bahan api automatik. Jumlah pra-kebenaran akan dikreditkan kembali dan jumlah sebenar akan dicajkan ke Akaun Pembelian Runcit anda apabila penyelesaian dengan pihak peniaga dalam tempoh tiga (3) hari bekerja. Sebagai alternatif, anda boleh memilih untuk membayar dengan Kad Debit anda di kaunter juruwang untuk mengelakkan pegangan jumlah pra-kebenaran. GST (6%) RM0.48 setiap kad RM0.72 setiap kad RM0.48 setiap kad (kecuali BSA/ BCA/- i/pb) Fi/Yuran (termasuk GST) RM8.48 setiap kad RM12.72 setiap kad RM8.48 setiap kad (kecuali BSA/ BCA/- i/pb) adalah terpakai jika Kad Debit hanya dipautkan dengan BCA/BCA/-i. Jika sebaliknya, Fi Pengeluaran dan Fi Tahunan akan dicaj. ^Ahli Kad Akaun Hong Leong Savings Junior/-i baru dan/atau sedia ada, satu BSA/-i dan/atau satu BCA/-i adalah tidak layak untuk memohon Kad Karakter. Fi Penggantian Kad** PB BSA/BCA/-i RM9.00 setiap kad RM12.00 setiap kad RM9.00 setiap kad RM12.00 setiap kad Akaun Simpanan/ Semasa selain daripada BSA/BCA/-i RM18.00 setiap kad **Bagi kerosakan Kad ATM/Debit disebabkan kesalahan Pemegang Kad, kehilangan/kecurian, penukaran daripada Kad Debit Generic kepada Kad Debit Karakter atau sebaliknya). Pengeluaran Wang Tunai di ATM: Dalam Negara ATM Bank ATM Bank Lain Luar Negara Melalui Rangkaian ATM MEPS (Indonesia, Singapura,Thailand, Vietnam dan Korea) Melalui VISA PLUS/ MasterCard Cirrus Penyata Bulanan Kad Debit (Penyata bercetak) Ciri pilihan untuk Pemegang Kad VISA Penyata Bercetak berdasarkan Permintaan Nota: RM2.12 akan dicaj untuk setiap halaman jika kenyataan kurang dari setahun atau RM5.30 setiap halaman jika kenyataan lebih dari satu tahun RM1.00 setiap RM8.00 setiap RM12.00 setiap RM0.06 setiap RM0.48 setiap RM0.72 setiap RM18.00 setiap kad RM1.06 setiap RM8.48 setiap RM12.72 setiap RM2.00 sebulan RM0.12 sebulan RM2.12 sebulan RM10.00 setiap permintaan RM0.60 setiap permintaan RM10.60 setiap permintaan Fi Dapatan Semula Draf Jualan RM20.00 RM1.20 RM21.20 Transaksi Luar Negara Transaksi dalam mata wang asing akan ditukarkan pada kadar pertukaran asing dan penyebaran, jika ada, sebagaimana yang telah ditentukan oleh Visa/MasterCard International, ditambah 1% kadar tambahan yang dikenakan oleh Bank Tidak berkenaan Transaksi dalam mata wang asing akan ditukarkan pada kadar pertukaran asing dan penyebaran, jika ada, sebagaimana yang telah ditentukan oleh Visa/MasterCard International, ditambah 1% kadar tambahan yang dikenakan oleh Bank 1
6 5. Bagaimana jika saya gagal menunaikan tanggungjawab saya? 9. Transaksi Tanpa Sentuh Anda mestilah mengambil langkah berjaga-jaga yang munasabah untuk mencegah kehilangan Kad Debit, tidak mendedahkan nombor PIN/butirbutir kepada sesiapa jua. Jika berlaku kehilangan atau kecurian Kad Debit tersebut, anda mestilah memberitahu HLB dengan serta-merta, disusuli dengan satu salinan laporan polis, dengan itu tanggungan maksimum bagi runcit tanpa izin dihadkan kepada RM 250 (dengan syarat anda tidak melakukan perbuatan tipu/menyalahi undangundang). disertakan dengan PIN.. Anda bertanggungjawab sepenuhnya atas segala ATM tanpa izin. 6. Apakah risiko utama? Kad Debit anda hilang/dicuri. Anda hendaklah serta-merta memberitahu HLB di untuk menyekat penggunaan Kad Debit anda sebaik sahaja mengetahui Kad Debit anda hilang atau dicuri atau tanpa izin telah dilakukan. 7. Apakah yang perlu saya lakukan jika butir-butir perhubungan saya berubah? Untuk memastikan segala surat-menyurat sampai ke tangan anda tepat pada waktunya, anda dikehendaki memberitahu kami jika terdapat apaapa perubahan butir-butir perhubungan dan/atau peribadi. Ini boleh dilakukan dengan kunjungi mana-mana cawangan kami atau hubungi Pusat Hubungan Hong Leong kami di untuk mengemaskinikan butir-butir perhubungan dan/atau peribadi anda. 8. Di manakah saya boleh mendapat maklumat lanjut? Jika anda mempunyai sebarang pertanyaan, sila hubungi kami di: Hong Leong Debit Cards P.O.Box Kuala Lumpur Malaysia Pusat Hubungan Hong Leong/Perbankan Telefon Layan Diri (Para Pegawai Perhubungan Pelanggan sedia berkhidmat dari 7.00 pagi hingga pagi setiap hari manakala Perbankan Telefon Layan Diri terbuka sepanjang masa) Laman Web: Atau kunjungi mana-mana cawangan HLB di seluruh negara Had Transaksi Tanpa Sentuh - Had tanpa sentuh anda adalah RM250. Anda tidak perlu memasukkan PIN apabila kad anda disentuh atau diimbaskan pada pembaca tanpa sentuh sekiranya anda tidak melebihi RM250. Sekiranya adalah melebihi RM250, anda masih boleh membayar dengan menggunakan Kad Debit tetapi perlu Had Kumulatif Tanpa Sentuh - Untuk keselamatan tambahan, apabila anda membuat berjumlah RM400 anda akan diminta untuk melakukan sentuh beserta PIN untuk meresetkan had tanpa sentuh. Had kumulatif tanpa sentuh anda akan diresetkan semula kepada kosong sebaik sahaja PIN dimasukkan. Menetapkan had anda - Anda boleh menetapkan had dan had kumulatif tanpa sentuh anda dari RM0 RM400 dengan melawat mana-mana cawangan HLB/HLISB. Sekiranya anda tidak menetapkan had dan had kumulatif tanpa sentuh, had ini akan ditentukan berdasarkan had penggunaan pembelian runcit yang telah anda tetapkan. Had Pembelian Runcit Had Transaksi Default Had Kumulatif Default Tanpa Sentuh RM100 RM100 RM100 RM300 RM250 RM300 RM500 RM250 RM400 2
7 Panduan Keselamatan Pemegang Kad Debit PIN & BAYAR Anda, dan mana-mana pemegang kad tambahan, dikehendaki mengambil semua langkah yang sewajarnya untuk mencegah kad dan nombor Kad Debit, PIN, kata laluan atau sebarang butiran keselamatan lain untuk kad atau akaun ( butiran keselamatan kad ) daripada disalahgunakan atau digunakan untuk melakukan penipuan atau fraud. Langkah-langkah pencegahan ini merangkumi: tandatangan pada Kad Debit apabila ia diterima dan patuhi sebarang arahan keselamatan; lindungi Kad Debit, PIN, dan sebarang butiran keselamatan Kad Debit; jangan benarkan sesiapa mengambil atau menggunakan Kad Debit; musnahkan sebarang makluman PIN dan sebarang butiran keselamatan Kad Debit; jangan tulis nombor PIN atau butiran keselamatan kad atau mendedahkannya kepada sesiapa termasuk pihak polis dan/atau kakitangan Hong Leong Bank/Hong Leong Islamic Bank; jangan benarkan sesiapa melihat PIN anda semasa anda memasukkannya atau ia dipaparkan; jangan mengubahsuai Kad Debit; semak dengan kerap bahawa Kad Debit masih ditangan anda; simpan resit Kad Debit dengan selamat dan lupuskan dengan cermat; hubungi kami jika ada sebarang perkara yang mencurigakan atau masalah mengenai penggunaan Kad Debit di terminal; dan semak penyata anda dengan kerap dan laporkan mengenai sebarang aktiviti yang mencurigakan dengan segera. Anda dikehendaki memaklumkan kepada kami dengan segera jika: Kad Debit anda hilang atau dicuri; atau PIN anda telah terdedah / dikompromi; atau Kad Debit anda ditahan oleh ATM; atau alamat atau maklumat perhubungan anda telah bertukar. Ada dikehendaki memilih atau menukar PIN anda kepada nombor yang dipilih oleh anda, sebelum PIN boleh digunakan untuk sebarang urusniaga. Pilihan PIN anda mestilah angka yang boleh mengurangkan kemungkinan ia dapat diteka oleh orang lain. Anda perlu mengelakkan PIN yang tidak sesuai seperti: tarikh lahir, bulan atau tahun dalam sebarang bentuk atau kombinasi; nombor berturutan (seperti ) dan gabungan nombor yang mudah dikenali (seperti ); sebarang kumpulan nombor yang dicetak di atas Kad Debit anda; lain-lain nombor peribadi yang mudah diperolehi seperti sebahagian daripada nombor telefon peribadi, nombor kad pengenalan atau lain-lain data peribadi. Pra-Kebenaran Kad di Pam Layan Diri Stesen Minyak Apakah yang berlaku apabila saya menggunakan Kad Debit di pam layan diri? Apabila anda menggunakan Kad Debit anda di pengisi minyak automatik dalam stesen minyak, pam layan diri tersebut akan membenarkan pembelian minyak dengan menghantar amaun pra-kebenaran ke atas kad yang membayar kepada pengeluar kad tersebut. Apakah maksud pra-kebenaran? Pra-kebenaran adalah pegangan sementara sejumlah amaun spesifik daripada baki tersedia yang terdapat pada kad yang membayar. Ia digunakan sebagai pengesahan bahawa kad adalah aktif dan memiliki dana tersedia yang mencukupi sebelum minyak boleh diisi. Berapakah amaun pra-kebenaran atas Kad Debit saya apabila menggunakan pam layan diri? Oleh kerana pra-kebenaran perlu berlaku sebelum minyak diisi, jumlah sebenar minyak yang diisi tidak diketahui semasa prakebenaran dibuat. Amaun pra-kebenaran yang dipersetujui untuk pam layan diri di Malaysia adalah RM200. Apakah yang berlaku jika minyak yang diisi kurang daripada amaun pra-kebenaran? Amaun pra-kebenaran bukan caj, dan tiada dana yang didebit daripada akaun Kad Debit, tetapi baki tersedia atas Kad Debit dikurangkan buat sementara dengan amaun pra-kebenaran tersebut. Apabila anda telah selesai mengepam minyak, amaun sebenar untuk petrol yang dipam akan dihantar kepada pihak Bank anda. Pada masa ini, amaun sebenar akan didebitkan dari akaun Kad Debit, dan amaun pra-kebenaran akan dilepaskan. Bagaimanapun, ia mungkin mengambil masa penyelesaian selama 3 4 hari perniagaan selepas minyak diisi dan pra-kebenaran diberikan. Bagaimanakah jika dana tersedia saya kurang dari RM200 atau jika saya mahu mengelakkan pegangan dana sebanyak RM200 atas kad saya? Pelanggan yang mahu mengelakkan pra-kebenaran di pam layan diri dinasihatkan agar pergi ke kaunter juruwang di mana amaun belian sebenar akan ditolak daripada akaun pemegang kad. Kad Debit dengan Ciri Tanpa-Sentuh Kad tanpa-sentuh adalah cara mudah dan pantas untuk membayar dan membolehkan anda membuat pembelian harian hanya dengan menyentuhkan Kad Debit tanpa-sentuh anda apabila anda melihat simbol universal tanpa-sentuh ini 3
8 Bagaimana kad tanpa-sentuh saya berfungsi? Fungsi tanpa-sentuh merangkumi cip komputer terbenam dengan antena yang menghantar isyarat tanpa wayar dalam jarak dekat tanpa sentuh di antara terminal saudagar dan kad tanpa-sentuh. Untuk membuat pembayaran, anda hanya perlu menyentuhkan Kad Debit anda dengan ruang tanpa-sentuh kepada terminal pembaca apabila diarahkan. Ciri-ciri Keselamatan Kad Debit sentiasa di tangan anda Langkah keselamatan paling mudah untuk Kad Debit tanpa-sentuh adalah ia mestilah sentiasa di tangan anda. Jadi, orang lain tidak berpeluang untuk melakukan leretan berganda atau membuat salinan Kad Debit semasa anda tidak melihat. Cip selamat untuk menghalang pemalsuan Kad Debit tanpa-sentuh adalah selamat sama seperti Kad Debit dikuasakan-cip yang lain dan memiliki tahap keselamatan pelbagai peringkat untuk menghalang pemalsuan. Setiap tanpa-sentuh merangkumi kod unik yang dijana oleh cip yang terdapat di dalam Kad Debit, yang berubah dengan setiap pembelian, sekali gus menghalang penipu daripada memainkan semula maklumat yang dibaca daripada cip untuk membuat pembayaran. Pengesahan pelanggan untuk pembelian bernilai lebih tinggi Anda tidak perlu menandatangan atau memasukkan PIN untuk tanpa-sentuh yang berjumlah sehingga RM250 di Malaysia. Tiada Liabiliti Pemegang Kad untuk Pembelian Tanpa-Sentuh Seandainya berlaku penipuan, anda tidak akan dipertanggungjawabkan untuk caj yang dibuat secara penipuan tersebut atau pembelian tanpa kebenaran yang dibuat menggunakan ciri tanpa-sentuh pada cip Kad Debit anda. Anda hendaklah memaklumkan kepada kami dengan segera atau sebaik sahaja menyedari atau mengesyaki terdapat penggunaan tanpa kebenaran atau aktiviti yang mencurigakan. Bagaimanapun, anda akan dipertanggungjawabkan ke atas pembelian tanpa kebenaran jika anda cuai semasa melindungi Kad Debit atau PIN anda. Soalan Lazim Bolehkah saya membuat pembayaran tanpa disedari apabila saya melintasi terminal pembaca tanpa-sentuh? Kad Debit tanpa-sentuh anda hanya boleh digunakan apabila Kad Debit berada dalam jarak 4sm daripada pembaca Kad Debit. Bukan itu sahaja, terminal pembaca perlu dipersediakan oleh juruwang dan ia hanya akan berlaku apabila juruwang memulakan urusan di terminal untuk menerima bayaran. Jika terminal pembaca tanpa-sentuh tidak memproses sebarang, ia tidak akan membaca sebarang kad tanpa-sentuh yang berada berhampiran dengannya secara tidak sengaja. Apakah yang berlaku jika saya menyentuh Kad Debit saya dua kali pada terminal pembaca tanpa-sentuh? Terminal pembaca tanpa-sentuh hanya boleh memproses satu pada satu masa. Walaupun Kad Debit tanpa-sentuh telah tersentuh dua kali, anda hanya akan dibil sekali sahaja untuk tersebut. Apakah yang berlaku jika saya memiliki lebih daripada satu Kad Debit tanpa-sentuh di dalam dompet dan saya menyentuh dompet saya pada terminal pembaca tanpa-sentuh? Jika anda memegang Kad Debit anda di hadapan terminal pembaca tanpa-sentuh dan anda mempunyai satu atau lebih kad lain dengan ciri tanpa-sentuh, pembaca kad mungkin akan mengesan lebih daripada satu kad dan tidak akan melengkapkan pembayaran. Anda perlu melakukan tersebut sekali lagi. Anda seharusnya memastikan anda hanya memegang satu kad pada terminal pembaca dan sentiasa membawanya ke luar daripada dompet apabila mahu digunakan. Apakah yang berlaku jika penipu membaca Kad Debit saya dengan meletakkan terminal pembaca tanpa-sentuh berhampiran dompet saya? Dalam situasi yang tidak mungkin berlaku di mana butiran peribadi Kad Debit tanpa-sentuh dapat dibaca oleh penipu menggunakan terminal pembaca tanpa-sentuh yang berhampiran dengan poket atau dompet anda, ciri keselamatan telah tersedia untuk mencegah penggunaan tanpa kebenaran butiran keselamatan kad yang telah dicuri. Setiap tanpa-sentuh merangkumi kod unik yang berubah dengan setiap pembelian, ia hanya boleh digunakan sekali sahaja dan hanya boleh dijana oleh cip di dalam Kad Debit tanpasentuh yang asal, dan ia mencegah Kad Debit palsu daripada dihasilkan menggunakan butiran keselamatan kad yang dicuri. Bolehkah penipu mencuri Kad Debit saya dan menggunakannya untuk mengosongkan akaun bank saya? Langkah keselematan telah tersedia untuk menghalang penggunaan Kad Debit tanpa-sentuh yang hilang atau dicuri oleh mana-mana penipu. Terdapat had tanpa-sentuh yang rendah sebanyak RM250, jika melebihinya, tidak boleh dibenarkan tanpa pengesahan pemegang kad pengesahan PIN atau tandatangan. Transaksi akan dianalisa oleh pengeluar kad dan rangkaian pembayaran global dalam masa-sebenar untuk mengenal pasti corak penipuan dan mengesan yang mencurigakan. 4
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