This page is retained for checking past conditions and outstanding rewards. See current offers.
Enter the referral code during application; each reward pool is limited.
Am I eligible, and what must I commit?
- Who qualifies
- This guide covers a personal account opened through HLB Connect using another person’s valid referral code. You must be 18+, meet account-opening requirements, have no active HLB/HLISB personal current/savings account and no same-segment online-account closure in the 12 months before the promotion began. Bankruptcy and fraud-related exclusions also apply. The campaign defines eligible online personal accounts but does not give a complete named product list; confirm the chosen product in the referral application.
- Deposit requirement
- RM50 opening deposit for RM8. RM1,500 at the first calendar month-end for the extra RM7; a valid code is required for both.
- Spending requirement
- No card-spending condition. Apply through HLB Connect with the referral code.
- Rates, caps & limits
- RM8 + RM7 per qualifying account. Referrer gets RM15 separately. The two reward pools each cover the first 2,000 qualifying accounts.
- Campaign period
- 15 September–15 November 2026, subject to remaining allocation.
- When you receive it
- September/October accounts: by 15 December 2026; November accounts: by 15 January 2027. Accounts must remain eligible. Non-receipt deadlines: 15 January / 15 February 2027 respectively.
15 September–15 November 2026, subject to remaining allocation. Each cashback pool covers the first 2,000 qualifying accounts.
What to do, and by when
- Check that you meet the new-to-personal-segment definition and that the account is useful after the cashback. A second personal account does not qualify simply because it has a different product name.
- Enter the valid referral code while applying in HLB Connect. It cannot be added after submission. Open the account within the campaign period and make the RM50 minimum initial deposit.
- For the extra RM7, have at least RM1,500 on the last calendar day of the opening month: 30 September, 31 October or 30 November 2026, as applicable.
- Keep the new account active for crediting. Check the appropriate payout date below and report missing cashback before the stated deadline.
HLB’s month-end and payout calendar
The month you open determines the balance test and cashback deadline. Cashback is subject to the campaign’s allocation limits.
| Account opened | RM1,500 balance tested | Cashback due by | Report missing cashback by |
|---|---|---|---|
| Opened 15–30 September | 30 September 2026 | 15 December 2026 | 15 January 2027 |
| Opened 1–31 October | 31 October 2026 | 15 December 2026 | 15 January 2027 |
| Opened 1–15 November | 30 November 2026 | 15 January 2027 | 15 February 2027 |
What could this mean in ringgit?
Illustration: open on 20 October with a valid referral and RM50, then have RM1,500 at 31 October. If both reward allocations remain available and all conditions are met, the total is RM15 once. At RM1,499 at that month-end, only the RM8 opening reward could qualify. RM3,000 at month-end still produces at most the same RM7 extra.
What could reduce or remove the benefit?
- No valid referral code, an ineligible same-segment account or an insufficient opening deposit can remove entitlement. Each reward also depends on available allocation.
- Topping up in the second month cannot repair a missed first-month-end test. Depositing more than RM1,500 does not increase the RM7 reward.
- Cross-segment self-referrals have different treatment: the terms provide the RM7 balance reward when eligible, but no Part 1 referral reward. This guide’s RM15 total assumes an eligible referral from someone else.
If you withdraw, or the offer ends
This is an account-opening reward, not a fixed deposit. A withdrawal that leaves less than RM1,500 at the evaluation date loses the extra RM7. The account must be active for crediting; closing early can also bring the underlying account’s own charges. Later months do not generate another RM7.
Who might find it worthwhile?
A small extra if you already want an eligible HLB account. This cashback is separate from the account’s ordinary interest or profit. Compare normal account fees and the effort of moving money with a maximum RM15 joining reward.
When to skip it: Skip it if you are not new to the relevant segment, lack a valid referral, or need the RM1,500 elsewhere at month-end. Do not borrow or pay a fee just to earn RM7.
Keep evidence and get help
Keep the application/code confirmation, opening-deposit receipt and first month-end statement. For a missing reward, raise the issue with HLB before your notification deadline and keep its case reference.
Terms to check before joining
The September campaign PDF gives the month-end test and January 2027 payout shown above; the web FAQ prints a conflicting year. Budget for the one-off RM8 and RM7 rewards, subject to eligibility and quotas. Prize-draw points have no guaranteed cash value.