Crafted for the generation who is redefining what it means to be smart.
Elevate your digital lifestyle with up to RM100 Cashback each month. Receive up to RM500 Cashback when you apply online and spend with your credit card.
Get up to RM15,000 in quick cash at 0% interest rate with Cheque-On-Call Plus when you apply and spend
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| E-commerce and online spends | 30% | RM 80 | Any amount monthly |
| Online dining | 30% | RM 80 | From RM 100 and above montly |
| Digital lifestyle | 6% | RM 80 | From RM 1,000 and above monthly |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 12 Months | 5.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 18 Months | 5.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 5.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 36 Months | 5.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 9.88% p.a. and no one-time upfront handling fee | From RM 500 |
| 9 Months | 9.88% p.a. and no one-time upfront handling fee | From RM 500 |
| 12 Months | 9.88% p.a. and no one-time upfront handling fee | From RM 500 |
| 18 Months | 9.88% p.a. and no one-time upfront handling fee | From RM 500 |
| Annual Fee For Primary Card | RM 120* |
|---|---|
| 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 |
| Interest Rate On Cash Withdrawals | 18% p.a. |
*First year waived. Subsequent years waived when you spend a minimum of RM 12,000 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 36,000 |
|---|---|
| Minimum Age For Primary Card | 21 to 65 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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