Enjoy 1.2% unlimited cash back on all retail spend when you spend up to RM1,000 in a month
Charge your travel fares to the Card to enjoy complimentary Travel Personal Accident coverage of up to RM1,000,000 for American Express Platinum Credit Cardmembers, as well as Travel Inconvenience coverage for missed connections, luggage delay, luggage loss and flight delay.
Enjoy 5X complimentary visits per year to plaza premium lounges in Malaysia!
Enjoy a 20-day interest-free period from the billing date on all retail purchases. You can pay with an interest-free instalment plan at participating merchants
| Cash Back Category | Cash back Rate | Monthly Cap | Spend |
|---|---|---|---|
| All Retail | 1.2% | RM12 | from RM1 up to RM1000 monthly |
| All Retail | 0.6% | uncapped | from RM1001 and above monthly |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 2% p.a. and no one-time upfront handling fee | from RM1000 |
| 12 months | 4% p.a. and no one-time upfront handling fee | from RM1000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 5 months | 2.12% one-time upfront handling fee | from RM1000 |
| 10 months | 4.24% one-time upfront handling fee | from RM1000 |
| 20 months | 5.3% one-time upfront handling fee | from RM1000 |
| Annual fee | RM411.28, but free for the first year. |
|---|---|
| Annual Fee for Supplementary Card | RM199.28 |
| Mininum monthly payment | RM50 or 5% of outstanding amount |
| Late payment fee | RM10 or 1% of outstanding amount, up to maximum of RM100 |
| Cash withdrawal fee | RM21.20 or 5.30% of withdrawn amount, whichever is higher |
| Interest rate on cash withdrawals | 18% |
| 15% Interest Rate Per Annum | Tier 1: Cardholders with prompt payments for 12 consecutive months |
|---|---|
| 17% Interest Rate Per Annum | Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months. |
| 18% Interest Rate Per Annum | Tier 3: Cardholders who do not fall under the above categories. |
| Minimum Annual Income | RM 100,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
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