Main Features

Groceries

5.35/10
  • 2% cashback every month at Tesco, AEON Big, Carrefour, Giant, Cold Storage, and Pasar Raya Jaya Grocer

Shopping

5.35/10
  • 2% cashback every month at Guardian, Watsons, and Caring Pharmacy

Utilities

5.35/10
  • 2% cashback every month on Maxis, Celcom, and DiGi bills

Entertainment

5.33/10
  • 5% cashback every month at Golden Screen Cinemas

Other Features

  • Balance Transfer

    • 7.77% 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 RM68. Waived with a minimum of 60 swipes per annum
Min. monthly income RM2,000
Min. age for principal holder 21 and above
Min. age for supplementary holder 18 and above
Fee for supplementary holder RM30
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 RM20 or 5% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Cashback limit RM500 per month for petrol spending; RM1,500 per month for groceries spending; RM300 per month for mobile bills spending; unlimited for all other categories
Rewards points expiry No expiry

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