Unlimited Cash Back
Receive 1.2% cash back on overseas spending and 0.5% cash back on local spending with absolutely no limit!
Complimentary Travel Protection Plan
Receive Personal Accident Insurance with coverage of up to RM1,000,000, and Travel Inconvenience Coverage that covers missed flight connections, flight delays, and baggage delays, loss, and damage.
20 days Interest-Free Period
Pay zero interest for retail transactions if payment is made within 20 days (only if all retail transactions for the previous month are paid for by the due date).
|Cash Back Category||Cash back Rate||Monthly Cap||Spend|
|Overseas Spending||1.2%||Uncapped||Any amount monthly|
|Local Spending||0.5||Uncapped||Any amount monthly|
|Pay Over||With Interest Rate At||When You Transfer|
|9 months||2.99% p.a. with no one time upfront handling fee||RM 1,000|
Fees and Charges
|Annual Fee for Supplementary Card||RM 106|
|Mininum monthly payment||RM50 or 5% of outstanding amount|
|Late payment fee||RM10 or 1% of outstanding amount, up to maximum of RM100|
|Cash withdrawal fee||RM21.20 or 5.30% of withdrawn amount, whichever is higher|
|Interest rate on cash withdrawals||18%|
|15% Interest Rate Per Annum||Tier 1: Cardholders with prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months|
|17% Interest Rate Per Annum||Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.|
|18% Interest Rate Per Annum||Tier 3: Cardholders who do not fall under the above categories.|
|Minimum Annual Income||RM 48,000|
|Minimum Age For Primary Card||21 years old|
|Minimum Age For Supplementary Card||18 years old|
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