Main Features

Dining

5.5/10
  • 1 WorldMiles Point for every RM3 spent locally
  • 1 WorldMiles Point for every RM2 spent overseas

Entertainment

5.5/10
  • 1 WorldMiles Point for every RM3 spent locally
  • 1 WorldMiles Point for every RM2 spent overseas

Groceries

5.5/10
  • 1 WorldMiles Point for every RM3 spent

Shopping

5.5/10
  • 1 WorldMiles Point for every RM3 spent locally
  • 1 WorldMiles Point for every RM2 spent overseas

Other Features

  • Balance Transfer
    • 2.99% per annum for a maximum tenure of 24 months
Annual fee RM180 (Monthly fee of RM15). 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 Up to 90% of credit limit
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 3 years

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