A Visa card with Gold privileges and a higher credit limit for those wanting to upgrade their Classic cards!
Earn 1X TreatsPoints on every RM1 spent and use them to redeem exciting gifts!
Enjoy emergency cash advance, card replacement, medical, legal and travel assistance, ticket replacement, lost luggage assistance and more in the event of emergencies!
Travel insurance coverage of up to RM500,000 when you charge your travel tickets in full to your card!
| Earn | Spent In |
|---|---|
| 1x TreatsPoints Per RM 1 | All transactions |
| 1x TreatsPoints Per RM 1 | Education institutions |
| 1x TreatsPoints Per RM 1 | Insurance providers |
| 1x TreatsPoints Per RM 1 | Utilities |
| 1x TreatsPoints Per RM 1 | Petrol |
| 1x TreatsPoints Per RM 1 | 0% EzyPay |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 0.5% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 9 Months | 0.75% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 12 Months | 0% p.a. with 3% one-time upfront handling fee | From RM 1,000 |
| 24 Months | 0.375% p.a. with no one-time upfront handling fee | From RM 2,000 |
| 36 Months | 0.413% p.a. with no one-time upfront handling fee | From RM 2,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 0% p.a. with no one time upfront handling fee | From RM 50 |
| 12 Months | 0% p.a. with no one time upfront handling fee | From RM 50 |
| 18 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 |
| 30 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 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 9% p.a. with no one-time upfront handling fee | From RM 500 up to RM 30,000 |
| 12 Months | 9% p.a. with no one-time upfront handling fee | From RM 500 up to RM 30,000 |
| 18 Months | 9% p.a. with no one-time upfront handling fee | From RM 3,000 up to RM 30,000 |
| 24 Months | 9% p.a. with no one-time upfront handling fee | From RM 5,000 up to RM 30,000 |
| Annual Fee For Primary Card | RM 130 |
|---|---|
| Annual Fee For Supplementary Card | RM 65 |
| Minimum Monthly Payment | RM 25 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 18 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 30,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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