Get cash rebates whenever you spend online. Plus, you'll also enjoy additional cash rebates on retail spending, standing instructions on mobile and utility payments and monthly interest paid.
Get 2% cash back on groceries and petrol expenses
Get 2% rebate on mobile and utilitiy bills via standing instruction
Enjoy up to 36 months of interest-free instalment payment on your next shopping spree
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| Cinema, Petrol, Grocery, Mobile & Utility Bill Via Standing Instruction | 5% | RM 30 | From RM 3,000 and above monthly |
| Cinema, Petrol, Grocery, Mobile & Utility Bill Via Standing Instruction | 2% | RM 30 | Up to RM 2,999 monthly |
| Foreign Currency Spend | 2% | RM 30 | Any amount monthly |
| Other Retail Or Online Spend | 0.2% | Uncapped | Any amount monthly |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 5.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 12 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 |
|---|---|---|
| 12 Months | 0% p.a. with no one-time upfront handling fee | From RM 50 |
| 24 Months | 0% p.a. with no one-time upfront handling fee | From RM 50 |
| 36 Months | 0% p.a. with no one-time upfront handling fee | From RM 50 |
| Annual Fee For Primary Card | Free |
|---|---|
| Annual Fee For Supplementary Card | Free |
| 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| Cash Withdrawal Fee | RM 15 or 5% of the withdrawn amount, whichever is higher.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. |
| 15% Per Annum | Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months |
|---|---|
| 17% Per Annum | Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle |
| 18% Per Annum | Tier 3: Cardmembers who do not fall within 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 | Anyone |
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