• Cashback up to 8% per month
  • Pay with just a wave!
Minimum Monthly Income
Minimum Monthly Income

RM 3,000

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

6% for 12 months

Annual Fee
Annual Fee

RM 90.00

Credit Card's Promotion

Total Number of Transactions 
in a Calendar Month
Maximum Cash Back
Per Calendar Month (%)
Maximum Cash Back
Per Month (RM)
8 - 15 5% The combined Cash Back for Online, Travel and Dining spend is rewarded based on the
total number of transactions fulfilled in a calendar month and it is capped at RM50**
16 and above 8%


**Subject to a total capping of RM110,000 allocated per calendar month which will be rewarded on a first come, first serve basis. 


Enjoy flat RM5 price on your GSC movie ticket(s) when you purchase on Fridays.

Promotion Period: 5 January 2018 – 28 December 2018


Enjoy RM10 off your food orders on honestbee.

Promotion Period: 1 Jan 2018 – 30 June 2018


Enter the voucher code 'YOLO1' & enjoy selected items at the price of RM1 on the Shopee mobile app on Fridays!

Promotion Period: 15 Jan 2018 – 15 July 2018

Balance Transfer

Reducing Balance

Plan Special Interest Rate Special Interest Rate Term
Plan 14 7.77% p.a. 6 months
Plan 15 7.88% p.a. 12 months
Plan 16 7.99% p.a. 18 months


Fixed Balance

Fixed-pay 6 Months Fixed-pay 12 Months
3.3% interest for 6 months 6.0% interest for 12 months
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1



for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of at least 10/12 months
Tier 3 1.50% 18% for those do not faill in tier 1 or tier 2


Flexi Pay

Promotion Period:
1 January 2018 – 31 December 2018

Promotion Mechanics:
Spend a minimum of RM3,000 in a single and/or accumulated receipt(s) overseas and convert to
3 monthly repayment at 0% interest.

Annual fee RM 90.00
Annual fee condition 1st year annual fee waiver
Annual fee for suplementary card RM 30.00
Annual fee condition for supplementary card 2 years annual fee waiver
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 1% of the total outstanding balance as at the statement date or a minimum RM10, whichever is higher, subject to a maximum of RM100
Finance charge interest rate per month 1.25%%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the amount withdrawn or a minimum of RM20* whichever is higher
Cash withdrawal interest rate 18% p.a. daily interest from the total cash advance amount
Balance transfer interest rate 6% for 12 months
Balance transfer max valid duration Up to 24 months
Balance transfer early settlement penalty RM100

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