Share your reward points to any Chinese Independent School and promise your Timeless Bonus Points for the things that matter.
You can choose to contribute 50% or 100% of the Timeless Bonus Points you earn to any Chinese Independent School of your choice!
Timeless Bonus Point will never expire
The annual fee for primary card and supplementary card is lower and waived if spend RM 5,000 p.a. or use 12 times a year
| Earn | Spent In |
|---|---|
| 2 Timeless Bonus Points Per RM 1 | All overseas spending and utility payments |
| 1 Timeless Bonus Points Per RM 1 | All local and overseas spending |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 0.00% p.a with no one-time upfront handling fee | From RM 3,000 |
| 12 Months | 6.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 18 Months | 6.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 7.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 0% p.a. with 2.5% one-time upfront handling fee | From RM 500 |
| 12 Months | 0% p.a. with 5.5% one-time upfront handling fee | From RM 500 |
| 18 Months | 0% p.a. with 7.0% one-time upfront handling fee | From RM 1,000 |
| 24 Months | 0% p.a. with 8.0% one-time upfront handling fee | From RM 1,000 |
| Annual Fee For Primary Card | RM 148* |
|---|---|
| Annual Fee For Supplementary Card | RM 30 |
| Minimum Monthly Payment | RM 50 or 5% of the outstanding amount, whichever is higher |
| Late Payment Fee | RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100 |
| Cash Withdrawal Fee | RM 15 or 5% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 18% p.a. |
*Annual fee waived if you spend RM 5,000 p.a. and swipe 12 times a year
| 15% Per Annum | Tier 1: Cardholders with prompt payments for 12 consecutive months |
|---|---|
| 17% Per Annum | Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months |
| 18% Per Annum | Tier 3: Cardholders who do not fall under the above categories |
| Minimum Annual Income | RM 24,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Malaysians only |
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