Choose your own categories that suits your needs to get the best out of 10% cash back!
Make your own decision for which categories you would like to get cash back!
Get 20 days interest free period from the statement date when you've paid your previous balance in full!
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| Your Chosen Participating Merchants | 10% | RM 100 | RM 2,000 and above monthly |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 6.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 12 Months | 6.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 500 |
| 12 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 18 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 2,000 |
| 36 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 2,000 |
| Annual Fee For Primary Card | RM 300 |
|---|---|
| Annual Fee For Supplementary Card | RM 150 |
| 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| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |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 60,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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