An ideal companion for online and overseas spending!
Earn unlimited cash back for online and retail transactions!
All retail purchases will get a 20-day interest-free period from the billing date onwards!
In the event of non-delivery, incomplete delivery, wrong items or damaged goods for your online purchases, you will be safeguarded with a minimum value of USD 50.
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| Online Transactions | 1% | Uncapped | Any amount monthly |
| All Retail Purchases | 0.1% | Uncapped | Any amount monthly |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 1.88% p.a. with no one-time upfront handling fee | From RM 3,000 |
| 12 Months | 3.88% p.a. with no one-time upfront handling fee | From RM 3,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 5 Months | 0% p.a. with 2% one-time upfront handling fee | From RM 1,000 |
| 10 Months | 0% p.a. with 4% one-time upfront handling fee | From RM 1,000 |
| 20 Months | 0% p.a. with 5% one-time upfront handling fee | From RM 1,000 |
| 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| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |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 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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