Earn 5X Reward Points when you spend overseas, enjoy complimentary green fees on golfing and experience travel comfort reserved only for the elite. Discover a world of Infinite possibilities unlike any other.
Get unlimited access to lounges in Malaysia in Singapore Changi Airport for the first 1,000 per month!
Enjoy travel insurance coverage of up to RM 2,000,000!
Entitled for golf privileges at Permai Golf & Country Club, Sungai Long Golf & Country Club
| Earn | Spent In |
|---|---|
| 5x Reward Points Per RM 1 | Overseas transactions |
| 1x Reward Points Per RM 1 | Local transactions |
| Convert | Redeem |
|---|---|
| 4,000 Reward Points | 500 Air Miles |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 12 Months | 4.00% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 18 Months | 7.00% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 10.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 0% p.a. with 2.5% one-time upfront handling fee | From RM 500 |
| 12 Months | 0% p.a. with 5.0% one-time upfront handling fee | From RM 1,000 |
| 18 Months | 0% p.a. with 7.0% one-time upfront handling fee | From RM 1,000 |
| 24 Months | 0% p.a. with 9.0% 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 1,000 |
| 9 Months | 0% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 12 Months | 0% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 0% p.a. with no 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| Cash Withdrawal Fee | RM 15 or 5% of the withdrawn amount, whichever is higher |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 150,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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