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Main Features

Dining

6.8/10
  • 3x points for every RM1 spent locally
  • 2x points for every RM1 spent overseas

Shopping

6.8/10
  • 3x points for every RM1 spent locally
  • 2x points for every RM1 spent overseas

Groceries

6.5/10
  • 3x points for every RM1 spent locally

Petrol

6.33/10
  • 3x points for every RM1 spent locally

Other Features

  • Balance Transfer

    • 1.99% per annum for a tenure of 6 months; 0% one-time upfront fee
  • Instalment Plan

    • 0% interest Installment Payment Plan at all participating merchants
Annual fee RM180. Waived for the first year
Min. monthly income RM8,334
Min. age for principal holder 21 and above
Min. age for supplementary holder 18 and above
Fee for supplementary holder Waived
Finance charges
  • 15% p.a. - prompt payment for 12 consecutive months
  • 17% p.a. - prompt payment for at least 10 out of 12 months
  • 18% p.a – if any of the above are not met
Government Service Tax (GST) RM50 (principal holder); RM25 (supplementary holder)
Government Service Tax (GST) waiver conditions N/A
Late payment charge Higher of RM10 or 1% of outstanding amount, up to maximum of RM100
Cash advance amount RM5,000 daily
Cash advance charge Higher of RM25 or 5% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Cashback limit N/A
Rewards points expiry No expiry

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