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Credit Card: Product Details

Banking Institution:	RHB Bank Berhad
Card Name:	RHB Classic Card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70.00
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	Principal - 1st year annual fee waived Supplementary - 3 years annual fee waiver

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	0.5% p.m. for 12, 18 or 24 months * Minimum transfer of RM3,000 per application * Applicable only to Principal cardmember

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank website at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	2
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 9206 8118 (Semenanjung Malaysia) / +6082-276 118 (East Malaysia - 7am to 7pm)
Website:	http://www.rhb.com.my

Banking Institution:	RHB Bank Berhad
Card Name:
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	RHB Bank Berhad
Card Name:	RHB Gold Card
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	130
Supplementary Card (RM):	70
FEE WAIVER New Principal Card Holder:	Principal - 1st year annual fee waived Supplementary - 3 years annual fee waiver

Finance Charges
Purchases (% p.a.):	Effective 31st march 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	0.5% p.m. for 12, 18 or 24 months * Minimum transfer of RM3,000 per application * Applicable only to Principal cardmember

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	600,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank wbsite at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	2
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603-9206 8118 (Semenanjung Malaysia) / +6082-276 118 (East Malaysia - 7am to 7pm)
Website:	http://www.rhb.com.my

Banking Institution:	RHB Bank Berhad
Card Name:
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	70
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	Effective 31st march 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	RHB Bank Berhad
Card Name:	RHB Platinum Card
Minimum Income (RM):	60,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	500.00
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	Principal - 1st year annual fee waived Supplementary - 3 years annual fee waiver

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	0.5% pm for 12, 18 or 24 months * Minimum transfer of RM3,000 per application * Applicable only to Principal cardmember

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	30,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2,000,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank website at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 9206 1111
Website:	http://www.rhb.com.my

Banking Institution:	RHB Bank Berhad
Card Name:
Minimum Income (RM):	60,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	RHB Bank Berhad
Card Name:	RHB EVO
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	100
Supplementary Card (RM):	50
FEE WAIVER New Principal Card Holder:	Principal - 1st year annual fee waived Supplementary - 3 years annual fee waiver

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. DEpending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	0.5% pm for 12, 18 or 24 months * Minimum transfer of RM3,000 per application * Applicable only to Pricipal cardmember

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	None
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank website at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	2
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603-9206 8118 (Semenanjung Malaysia) / +6082-276 118 (East Malaysia - 7am to 7pm)
Website:	http://www.rhb.com.my

Banking Institution:	RHB Bank Berhad
Card Name:
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	50
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. DEpending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	Alliance Bank Malaysia Berhad
Card Name:	Alliance Bank Visa/MasterCard
Minimum Income (RM):	120,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	438
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	1 Year Annual Fee Waiver (no spending condition attached)

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	1,000,000
Other Travel Related Insurance (RM/cover limit):	Free Travel Inconvenience Insurance Coverage up to RM3,200

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available are subjected to participating outlets
INSTALMENT PLAN Number of Participating Merchants:	more than 500 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
DINING Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	2 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3 27212888 (dedicated customer service) or email to cscps@alliancebg.com.my
Website:	www.alliancebank.com.my

Banking Institution:	Alliance Bank Malaysia Berhad
Card Name:	Alliance Bank Visa/MasterCard
Minimum Income (RM):	120,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	438
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Pengecualian yuran keahlian selama 1 tahun ( tanpa syarat )

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	1,000,000
Other Travel Related Insurance (RM/cover limit):	Percuma insurans kesulitan perjalanan sehingga RM3,200

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tertakluk kepada penyertaan saudagar
INSTALMENT PLAN Number of Participating Merchants:	lebih daripada 500 saudagar
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
DINING Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	2 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3 27212888 (dedicated customer service) or email to cscps@alliancebg.com.my
Website:	www.alliancebank.com.my

Banking Institution:	Alliance Bank Malaysia Berhad
Card Name:	Alliance Bank Visa/MasterCard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68
Supplementary Card (RM):	20
FEE WAIVER New Principal Card Holder:	5 Years Annual Fee Waiver

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	Free Travel Inconvenience Insurance Coverage up to RM2,600

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available are subjected to participating outlets
INSTALMENT PLAN Number of Participating Merchants:	more than 500 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
DINING Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	2 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3 26940000 or email to cscps@alliancebg.com.my
Website:	www.alliancebank.com.my

Banking Institution:	Alliance Bank Malaysia Berhad
Card Name:	Alliance Bank Visa/MasterCard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68
Supplementary Card (RM):	20
FEE WAIVER New Principal Card Holder:	Pengecualian yuran keahlian selama 5 tahun ( tanpa syarat )

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	Percuma insurans kesulitan perjalanan sehingga RM 2600

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tertakluk kepada penyertaan saudagar
INSTALMENT PLAN Number of Participating Merchants:	lebih daripada 500 saudagar
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
DINING Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	2 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3 26940000 or email to cscps@alliancebg.com.my
Website:	www.alliancebank.com.my

Banking Institution:	Alliance Bank Malaysia Berhad
Card Name:	Alliance Bank Visa/MasterCard
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	148
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	5 Years Annual Fee Waiver ( no spending codition attached )

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	Free Travel Inconvenience Insurance Coverage up to RM3,200

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available are subjected to participating outlets
INSTALMENT PLAN Number of Participating Merchants:	more than 500 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
DINING Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% to 50% more than 20 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	2 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3 26940000 or email to cscps@alliancebg.com.my
Website:	www.alliancebank.com.my

Banking Institution:	Alliance Bank Malaysia Berhad
Card Name:	Alliance Bank Visa/MasterCard
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	148
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Pengecualian yuran keahlian selama 5 tahun ( tanpa syarat )

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	Percuma insurans kesulitan perjalanan sehingga 3200

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan ansuran tertakluk kepada penyertaan saudagar
INSTALMENT PLAN Number of Participating Merchants:	lebih daripada 500 saudagar
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
DINING Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 50% lebih 20 saudagar yang mengambil bahagian Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	2 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3 26940000 or email to cscps@alliancebg.com.my
Website:	www.alliancebank.com.my

Banking Institution:	HSBC Bank Malaysia Berhad
Card Name:	HSBC Visa Platinum
Minimum Income (RM):	150,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	600
Supplementary Card (RM):	300
FEE WAIVER New Principal Card Holder:	Based on Promotion offer. For example: Memoirs of a Geisha, if they apply within the promotion period. They are entitled for 1st year fee waiver.

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 6% p.a. for 6 months (0.5% per month) Plan 2 - 9% p.a. for 9 months (0.75% per month)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	None

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Up to 500,000 coverage
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	45,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2,000,000.00
Other Travel Related Insurance (RM/cover limit):	24,000.00

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 years rolling expiring
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	5%-20% 50 Merchants
DINING Discount Range / No. of Merchants:	5%-20% 60 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	5%-20% 20 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	5%-20% 30 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Receive a classic japanese tea set upon primary card approval.

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 88 7088
Website:	www.hsbc.com.my

Banking Institution:	HSBC Bank Malaysia Berhad
Card Name:	HSBC Visa Platinum
Minimum Income (RM):	150,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	600
Supplementary Card (RM):	300
FEE WAIVER New Principal Card Holder:	Berdasarkan kepada tawaran promosi. Sebagai contoh: Memoirs of a Geisha, jika mereka memohon semasa tempoh promosi, mereka layak untuk pelepasan yuran selama 1 tahun.

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 6% setahun untuk 6 bulan (0.5% sebulan) Plan 2 - 9% setahun untuk 9 bulan (0.75% sebulan)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	None

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Perlindungan sehingga 500,000.00
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	45,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2,000,000.00
Other Travel Related Insurance (RM/cover limit):	24,000.00

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 tahun tempoh tamat berturutan
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	5%-20% 50 Merchants
DINING Discount Range / No. of Merchants:	5%-20% 60 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	5%-20% 20 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	5%-20% 30 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Menerima satu set "Japanese Tea" bagi kelulusan kad utama

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 88 7088
Website:	www.hsbc.com.my

Banking Institution:	HSBC Bank Malaysia Berhad
Card Name:	HSBC Visa Gold
Minimum Income (RM):	40,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	1 year fee waiver

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 6% p.a. for 6 months (0.5% per month) Plan 2 - 9% p.a. for 9 months (0.75% per month)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 70
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	100% of the capital sum up to a maximum limit of RM100,000.00 per insured person
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	30000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	0% for 6 months
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 years rolling expiring
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 195 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 203 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 70% 45 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-2054 8800
Website:	www.hsbc.com.my

Banking Institution:	HSBC Bank Malaysia Berhad
Card Name:	HSBC Visa Gold
Minimum Income (RM):	40,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	1 tahun pelepasan yuran

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 6% setahun untuk 6 bulan (0.5% sebulan) Plan 2 - 9% setahun untuk 9 bulan (0.75% sebulan)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 70
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	100% dari jumlah pokok hingga had maksima RM100,000.00 seorang setiap insurans
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	30000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	0% untuk 6 bulan
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 tahun tempoh tamat berturutan
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 195 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 203 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 70% 45 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-2054 8800
Website:	www.hsbc.com.my

Banking Institution:	HSBC Bank Malaysia Berhad
Card Name:	HSBC Mastercard Gold
Minimum Income (RM):	40,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	1st year fee waiver

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 6% p.a. for 6 months (0.5% per month) Plan 2 - 9% p.a. for 9 months (0.75% per month)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 70
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	100% of the capital sum up to a maximum limit of RM100,000.00 per insured person
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	30000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	0% for 6 months
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 years rolling expiring
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 195 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 203 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 70% 45 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-2054 8800
Website:	www.hsbc.com.my

Banking Institution:	HSBC Bank Malaysia Berhad
Card Name:	HSBC Mastercard Gold
Minimum Income (RM):	40,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	1 tahun pelepasan yuran

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 6% setahun untuk 6 bulan (0.5% sebulan) Plan 2 - 9% setahun untuk 9 bulan (0.75 sebulan)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 70
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	100% dari jumlah pokok hingga had maksima RM100,000.00 seorang setiap insurans
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	30000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	0% untuk 6 bulan
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 tahun tempoh tamat berturutan
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 195 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 203 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 70% 45 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-2054 8800
Website:	www.hsbc.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank MasterCard/VISA Gold
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	75
FEE WAIVER New Principal Card Holder:	Free-For-Life for Principal and first 3 Suplementary Cards

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Available AmTransfer Instalment Periods: Plan A – 4.99% p.a for 6 months (minimum transfer RM1,000) Plan B – 8.99% p.a for 12 months (minimum transfer RM1,000) Plan C – 8.99% p.a for 24 months (minimum transfer RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 when you charge your travel tickets to your Gold Card.
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	varies from different merchants
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	varies from different merchants Merchants
DINING Discount Range / No. of Merchants:	varies from different merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	varies from different merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	varies from different merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	7 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 8888 (Domestic)/ +603-2178 8888 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank MasterCard/VISA Gold
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	75
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup Tanpa Syarat

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan A – 4.99% setahun untuk 6 bulan (pindahan minimum RM1,000) Pelan B – 8.99% setahun untuk 12 bulan (pindahan minimum RM1,000) Pelan C– 8.99% setahun untuk 24 bulan (pindahan minimum RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tersedia: 3,6,12,18,24,36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza antara saudagar 5 Merchants
DINING Discount Range / No. of Merchants:	Berbeza antara saudagar 20 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza antara saudagar 3 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza antara saudagar 8 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 8888/ 03 - 2178 8888
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank MasterCard/VISA Classic
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	75
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Free-For-Life for Principal and first 3 Suplementary Cards

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Available AmTransfer Instalment Periods: Plan A: 6 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 4.99% p.a. Plan B: 12 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a. Plan C: 24 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	varies from different merchants
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various from diffrerent merchants Merchants
DINING Discount Range / No. of Merchants:	Various from diffrerent merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various from diffrerent merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various from diffrerent merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 8888 (Domestic)/ +603-2178 8888 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank MasterCard/VISA Classic
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	75
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup Tanpa Syarat

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan A – 4.99% setahun untuk 6 bulan (pindahan minimum RM1,000) Pelan B – 8.99% setahun untuk 12 bulan (pindahan minimum RM1,000) Pelan C– 8.99% setahun untuk 24 bulan (pindahan minimum RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tersedia: 3,6,12,18,24,36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza antara saudagar 5 Merchants
DINING Discount Range / No. of Merchants:	Berbeza antara saudagar 20 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza antara saudagar 3 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza antara saudagar 8 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03 - 2178 8888/ 1300 80 8888
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank Imagine Visa
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	130
Supplementary Card (RM):	65
FEE WAIVER New Principal Card Holder:	Free-For-Life for Principal and first 3 Suplementary Cards

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Available AmTransfer Instalment Periods: Plan A: 6 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 4.99% p.a. Plan B: 12 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a. Plan C: 24 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	-
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	-
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	varies from different merchants
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various from diff merchants Merchants
DINING Discount Range / No. of Merchants:	Various from diff merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various from diff merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various from diff merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	7 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 8888 (Domestic)/ +603-2178 8888 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank Imagine Visa
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	130
Supplementary Card (RM):	65
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup Tanpa Syarat

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan A – 4.99% setahun untuk 6 bulan (pindahan minimum RM1,000) Pelan B – 8.99% setahun untuk 12 bulan (pindahan minimum RM1,000) Pelan C– 8.99% setahun untuk 24 bulan (pindahan minimum RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	-
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	-
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tersedia: 3,6,12,18,24,36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza antara saudagar 5 Merchants
DINING Discount Range / No. of Merchants:	Berbeza antara saudagar 20 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza antara saudagar 3 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza antara saudagar 8 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 888 / 603 - 2178 8888
Website:	ambankgroup.com

Banking Institution:	Malayan Banking Berhad
Card Name:	Visa, MasterCard, American Express
Minimum Income (RM):	42,000
Joining Fee (RM):	150

Annual Fee
Principal Card (RM):	130
Supplementary Card (RM):	65
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A : 0% Finance Charges per month, minimum transfer RM1,000 for 3 months Plan B : 0.5% Finance Charges per month, minimum transfer RM3,000 for 6 months Plan C : 0.75% Finance Charges per month, minimum transfer RM3,000 for 9 months Plan D : 1.0% Finance Charges per month, minimum transfer RM5,000 for 12 months Plan E : 4.5% Finance Charges per annum, minimum transfer RM3,000 for 24 months Plan F : 4.95% Finance Charges per annum, minimum transfer RM5,000 for 36 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	None

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	Flight Misconnection : RM600, Luggage Delay RM600, Lost Luggage RM1,500

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	25.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available : 6,12,24,36
INSTALMENT PLAN Number of Participating Merchants:	2,500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Discount range : 10% - 30% 25 Merchants
DINING Discount Range / No. of Merchants:	Discount range : 10% - 30% 30 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Discount range : 10% - 30% 2 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Discount range : 10% - 30% 14 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Klang Valley : 24 hours, Other area : 48 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60320787878
Website:	www.maybank2u.com.my

Banking Institution:	Malayan Banking Berhad
Card Name:	Visa, MasterCard, American Express
Minimum Income (RM):	42,000
Joining Fee (RM):	150

Annual Fee
Principal Card (RM):	130
Supplementary Card (RM):	65
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A : 0% Finance Charges per month, minimum transfer RM1,000 for 3 months Plan B : 0.5% Finance Charges per month, minimum transfer RM3,000 for 6 months Plan C : 0.75% Finance Charges per month, minimum transfer RM3,000 for 9 months Plan D : 1.0% Finance Charges per month, minimum transfer RM5,000 for 12 months Plan E : 4.5% Finance Charges per annum, minimum transfer RM3,000 for 24 months Plan F : 4.95% Finance Charges per annum, minimum transfer RM5,000 for 36 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	None

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	tiada
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	Kegagalan mendapatkan penerbangan sambungan RM400, Kelewatan bagasi RM 400 Kehilangan bagasi RM1,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	25.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available : 6,12,24,36
INSTALMENT PLAN Number of Participating Merchants:	2,500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Discount range : 10% - 30% 25 Merchants
DINING Discount Range / No. of Merchants:	Discount range : 10% - 30% 30 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Discount range : 10% - 30% 2 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Discount range : 10% - 30% 14 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Klang Valley : 24 hours, Other area : 48 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60320787878
Website:	www.maybank2u.com.my

Banking Institution:	Malayan Banking Berhad
Card Name:	Visa, MasterCard, American Express
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	60
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Maybankard Visa Flex Annual Fee waiver subject to minimum spend of RM300 per year

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A : 0% Finance Charge per month, minimum transfer RM1,000 for a period of 3 months Plan B : 0.5% Finance Charge per month, minimum transfer RM3,000 for a period of 6 months Plan C : 0.75% Finance Charge per month, minimum transfer RM3,000 for period of 9 months Plan D : 1.0% Finance Charge per month, minimum transfer RM5,000 for a period of 12 months Plan E : 4.5% Finance Charge per annum, minimum transfer RM3,000 for 24 months Plan F : 4.95% Finance Charge per annum, minimum transfer RM5,000 for 36 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	1st time - RM 50, Subsequent time - RM 100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	300,000
Other Travel Related Insurance (RM/cover limit):	Flight Misconection RM400, Luggage Delay RM400, Lost Luggage RM1,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	25.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available : 6,12,24,36 months
INSTALMENT PLAN Number of Participating Merchants:	2,500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Discount range : 10% - 30% 25 Merchants
DINING Discount Range / No. of Merchants:	Discount range : 10% - 30% 30 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Discount range : 10% - 30% 2 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Discount range : 10% - 30% 14 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Klang Valley : 24 hours, Other area : 48 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60320787878
Website:	www.maybank2u.com.my

Banking Institution:	Malayan Banking Berhad
Card Name:	Visa, MasterCard, American Express
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	60
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Maybankard Visa Flex Yuran tahunan tertaluk kepada perbelanjaan dengan jumlah RM300 setiap bulan

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A : 0% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM1,000 untuk 3 bulan Plan B : 0.5% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM3,000 untuk 6 bulan Plan C : 0.75% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM3,000 untuk 9 bulan Plan D : 1.0% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM5,000 untuk 12 bulan Plan E : 4.5% Caj kewangan setahun, jumlah minima boleh dipindahkan RM3,000 untuk 24 bulan Plan F : 4.95% Finance Charge per annum, jumlah minima boleh dipindahkan RM5,000 untuk 36 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	1st time - RM 50, Subsequent time - RM 100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	tiada
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	300,000
Other Travel Related Insurance (RM/cover limit):	Kegagalan mendapatkan penerbangan sambungan RM400, Kelewatan bagasi RM 400 Kehilangan bagasi RM1,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	25.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang ditawarkan : 6,12,24,18, 36 bulan, tertaluk kepada syarat & peraturan
INSTALMENT PLAN Number of Participating Merchants:	2,500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Discount range : 10% - 30% 25 Merchants
DINING Discount Range / No. of Merchants:	Discount range : 10% - 30% 30 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Discount range : 10% - 30% 2 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Discount range : 10% - 30% 14 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Klang Valley : 24 hours, Other area : 48 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60320787878
Website:	www.maybank2u.com.my

Banking Institution:	Malayan Banking Berhad
Card Name:	Visa
Minimum Income (RM):	120,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	550
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A : 0% Finance Charge per month, minimum transfer RM1,000 for 3 months Plan B : 0.5% Finance Charge per month, minimum transfer RM3,000 for 6 months Plan C : 0.75% Finance Charge per month, minimum transfer RM3,000 for 9 months Plan D : 1.0% Finance Charge per month, minimum transfer RM5,000 for 12 months Plan E : 4.5% Finance Charge per annum, minimum transfer RM3,000 for 24 months Plan F : 4.95% Finance Charge per annum, minimum transfer RM5,000 for 36 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	None

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2,000,000
Other Travel Related Insurance (RM/cover limit):	Flight Misconnection : RM1,000, Luggage Delay RM3,000, Lost Luggage RM3,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	25.00
INSTALMENT PLAN Zero % Instalment Plan:	Plan available : 6,12,24,36
INSTALMENT PLAN Number of Participating Merchants:	2,500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Klang Valley : 24 hours, Other area : 48 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60320748800
Website:	www.maybank2u.com.my

Banking Institution:	Malayan Banking Berhad
Card Name:	Visa
Minimum Income (RM):	120,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	550
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A : 0% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM1,000 untuk 3 bulan Plan B : 0.5% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM3,000 untuk 6 bulan Plan C : 0.75% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM3,000 untuk 9 bulan Plan D : 1.0% Caj kewangan sebulan, jumlah minima boleh dipindahkan RM5,000 untuk 12 bulan Plan E : 4.5% Caj kewangan setahun, jumlah minima boleh dipindahkan RM3,000 untuk 24 bulan Plan F : 4.95% Finance Charge per annum, jumlah minima boleh dipindahkan RM5,000 untuk 36 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	None

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2,000,000
Other Travel Related Insurance (RM/cover limit):	Kegagalan mendapatkan penerbangan sambungan RM400, Kelewatan bagasi RM 400<br /> Kehilangan bagasi RM1,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	25.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang ditawarkan : 6,12,24,18, 36 bulan, tertaluk kepada syarat & peraturan
INSTALMENT PLAN Number of Participating Merchants:	2,500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Klang Valley : 24 hours, Other area : 48 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60320748800
Website:	www.maybank2u.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB VOX Visa Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Free for life; min spend of RM50 per month; if less than RM50, a RM6 admin fee will be levied on the account for the said month

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 0.75% per month for 12 months Plan 2 - 1.00% per month for 18 months Plan 3 - 0.499% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 months: Handling charges 2%, early settlement/cancellation fee RM50. 12 months: Handling charges 3%, early settlement/cancellation fee RM50. 18 months: Handling charges 4%, early settlement/cancellation fee RM50.
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 30 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Up to 3% on all retail transactions each month

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
DINING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB VOX Visa Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Percuma sepanjang hayat; minimum perbelanjaan sebanyak RM50 setiap bulan, jika kurang daripada RM50, yuran pentadbiran RM6 akan didebitkan ke akaun untuk bulan tersebut

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan 1 - 0.75% setiap bulan bagi 12 bulan Pelan 2 - 1.00% setiap bulan bagi 12 bulan Pelan 3 - 0.499% setiap bulan bagi 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 Bulan: Caj Pengedalian 2%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 12 Bulan: Caj Pengedalian 3%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 18 Bulan: Caj Pengedalian 4%, Penyelesaian Bayaran Awal atau Pembatalan RM50.
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Sehingga 3% ke atas jumlah belian runcit setiap bulan

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Lady's Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	First 2 years fee waived. Third and subsequent years annual fee waived with minimum 12 transactions per year.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A - 0.75% per month for 12 months Plan 2 - 1.00% per month for 18 months Plan 3 - 1.499% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 months: Handling charges 2%, Early settlement/cancellation fee RM50. 12 months: Handling charges 3%, Early settlement/cancellation fee RM50 18 months: Handling charges 4%, Early settlement/cancellation fee RM50.
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 30 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
DINING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Welcome vouchers

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Lady's Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan bagi 2 tahunan pertama. Minima 12 transaksi untuk mendapat pengecualian yuran tahunan bagi tahun ketiga dan tahun seterusnya.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan 1 - 0.75% setiap bulan bagi for 12 bulan Pelan 2 - 1.00% setiap bulan bagi 18 bulan Pelan 3 - 0.499% setiap bulan bagi 6 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 bulan: Caj Pengedalian 2%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 12 bulan: Caj Pengedalian 3%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 18 bulan: Caj Pengedalian 4%, Penyelesain Bayaran Awal atau Pembatalan RM50.
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Baucar Pengenalan

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:
Card Name:
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):
Administrative Charges On Overseas Transaction (%):
Lost Card Replacement (RM):	-

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Preferred Platinum
Minimum Income (RM):	70,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	First 2 years annual fee waived. Third and subsequent years' annual fee waived with minimum 1 retail transaction per month and RM3000 total retail spending amount for 12 months.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 0.75% per month for 12 months Plan 2 - 1.00% per month for 18 months Plan 3 - 0.499% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	RM50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2 million ( Valid when flight tickets are charged to the UOB credit card in full)
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 months: Handling charges 2%, Early settlement/cancellation fee RM50. 12 months: Handling charges 3%, Early settlement/cancellation fee RM50. 18 months: Handling charges 4%, Early settlement/cancellation fee RM50.
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 30 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
DINING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Preferred Platinum
Minimum Income (RM):	70,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan untuk 2 tahun pertama. Minima 1 transaksi setiap bulan dan jumlah keseluruhan pengunaan RM3000 bagi 12 bulan untuk tahun ketiga dan tahun seterusnya.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan 1 - 0.75% setiap bulan bagi 12 bulan Pelan 2 - 1.00% setiap bulan bagi 18 bulan Pelan 3 - 0.499% setiap bulan bagi 6 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	RM50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2 juta (Sah apabila tiket penerbangan dicajkan ke atas UOB Kad Kredit)
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 bulan: Caj Pengedalian 2%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 12 bulan: Caj Pengedalian 3%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 18 bulan: Caj Pengedalian 4%, Penyelesaian Bayaran Awal atau Pembatalan RM50.
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB121: Kuala Lumpur 03-26128 121; Joho Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Choice Card VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	N.A.

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Swipe Schemes available: 3, 6, 9, 12, 18, 24, 36 months.
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	50:50
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off for selected merchants Merchants
DINING Discount Range / No. of Merchants:	up to 20% off for selected merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off for selected merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off for selected merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Choice Card VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	N.A.

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	50:50
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:	Great Eastern MasterCard/Visa
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	3years fee waiver for basic and up to 2 supplementary cards

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	2.88% for 6 months; thereafter at standard rate

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	250,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Purchases at participating merchants may be split into equal payments which are billed on a monthly basis for up to 36 months with a minimum transaction amount of RM500 (for selected items & merchants). No interest will be levied if the IPP instalment is settled in full every month. IPP installments not paid will be included into the interest bearing outstanding balance of the customer and will attract interest charges.
INSTALMENT PLAN Number of Participating Merchants:	500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	12 month expiry + 3 month grace period for redemption
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 50% 50 Merchants
DINING Discount Range / No. of Merchants:	10% - 50% 150 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% - 50% 50 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 50% 30 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Free For Life with auto debit of GE cards 10% discount on Pathlab health tests and supplements. OCBC Essential Health Check package at RM98 (NP: RM200) 24-hour Auto Assist package at only RM28 per annum.

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 88 5000
Website:	www.ocbc.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:	Titanium MasterCard
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68.00
Supplementary Card (RM):	28
FEE WAIVER New Principal Card Holder:	First year annual fee waived.

Finance Charges
Purchases (% p.a.):	13.5%, 16%, or 17.5% depending on payment pattern
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	RM5,000.00

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Purchases at participating merchants may be split into equal payments which are billed on a monthly basis for up to 36 months with a minimum transaction amount of RM500 (for selected items & merchants). No interest will be levied if the IPP installment is settled in full every month. IPP installments not paid will be included into the interest bearing outstanding balance of the customer and will attract interest charges.
INSTALMENT PLAN Number of Participating Merchants:	More than 400
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	5% on Petrol, Dining, Utilities, Groceries. 1% on everything else.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
DINING Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 88 5000
Website:	www.ocbc.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	28
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	13.5%, 16%, or 17.5% depending on payment pattern
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	Citibank Berhad
Card Name:	Citibank Cash Back Visa
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	90
Supplementary Card (RM):	60
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver if card is swiped 3 times within first 60 days OR 2 years fee waiver if card is swiped 6 times within first 60 days

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Carried forward balance of: RM 2000 or less 0.40% RM 2001-RM5000 1.50% More than RM 5000 2.00%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off Merchants
DINING Discount Range / No. of Merchants:	up to 20% off Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Cash Back Visa
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	90
Supplementary Card (RM):	60
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk 1 tahun pertama jika mengecaj 3 transaksi dalam 60 hari pertama atau 2 tahun pertama jika mengecaj 6 transaksi dalam 60 hari pertama

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Baki Bawa Kehadapan Rebat RM 2000 atau kurang 0.40% RM 2001-RM5000 1.50% Lebih dari RM 5000 2.00%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Visa/MasterCard Corporate Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	First year waived. Subsequent years base on below waiver scheme: Annual billings (retail spending/charges only) RM24,000 & above - Waiver 100% RM18,000 & above - Waiver 75% RM12,000 & above - Waiver 50% RM6,000 & above - Waiver 25%

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	Kad Pertama: RM50; Kad berikut: RM100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	S$1000000.00
Other Travel Related Insurance (RM/cover limit):	Flight delay: max S$200 per event for 6 hours delay. Luggage delay: S$200 per event after 6 hours delay. Luggage loss: S$200 per event after 48 hours.

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9 or 12 months
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 22 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	1 year
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
DINING Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	During office hours: 03-7787 7090/7787 7091. After office hours: UOB121: Kuala Lumpur 03-26126 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Visa/MasterCard Corporate Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan untuk tahun pertama. Tahun setreusnya adalah berdasarkan jadual pelepasan berikut: RM24,000 ke atas - 100% pelepasan RM18,000 ke atas - 75% pelepasan RM12,000 & ke atas - 50% pelepasan RM6,000 & ke atas - 25% pelepasan

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	Kad Pertama: RM50; Kad berikut: RM100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	S$1000000
Other Travel Related Insurance (RM/cover limit):	Kelewatan penerbangan: Maksimum S$200 bagi setiap kelewatan selama 6 jam Kelewatan bagasi: S$200 bagi setiap kelewatan melebihi 6 jam Kehilangan bagasi: S$200 bagi setiap kejadian selepas 48 jam

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan sedia ada: 3, 6, 9 atau 12 bulan
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	2:1
GIFT REDEMPTION Expiry period of points (years):	1 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	Waktu pejabat: 03-7787 7090/7787 7091; Selepas waktu pejabat: UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:	Platinum MasterCard
Minimum Income (RM):	120,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	188.00
Supplementary Card (RM):	68
FEE WAIVER New Principal Card Holder:	first year annual fee waived.

Finance Charges
Purchases (% p.a.):	13.5%, 16%, or 17.5% depending on repayment pattern
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2,000,000.00
Other Travel Related Insurance (RM/cover limit):	5,000.00

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Purchases at participating merchants may be split into equal payments which are billed on a monthly basis for 3 months up to 36 months with a minimum transaction amount of RM500 (for selected items & merchants). No interest will be levied if the IPP installment is settled in full every month. IPP installments not paid will be included into the interest bearing outstanding balance of the customer and will attract interest charges.
INSTALMENT PLAN Number of Participating Merchants:	More than 400
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	0.5% on all purchases.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
DINING Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 88 8883
Website:	www.ocbc.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:
Minimum Income (RM):	120,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	68
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	13.5%, 16%, or 17.5% depending on repayment pattern
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:	Visa/MasterCard Gold
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	38.00
Supplementary Card (RM):	28
FEE WAIVER New Principal Card Holder:	First year annual fee waived.

Finance Charges
Purchases (% p.a.):	13.5%, 16%, or 17.5% depending on repayment pattern
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	2,000.00

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Purchases at participating merchants may be split into equal payments which are billed on a monthly basis for up to 36 months with a minimum transaction amount of RM500 (for selected items & merchants). No interest will be levied if the IPP installment is settled in full every month. IPP installments not paid will be included into the interest bearing outstanding balance of the customer and will attract interest charges.
INSTALMENT PLAN Number of Participating Merchants:	More than 400
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	0.2% on all purchases.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
DINING Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	More information on www.ocbccards.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 88 5000
Website:	www.ocbc.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	28
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	13.5%, 16%, or 17.5% depending on repayment pattern
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:	Visa/MasterCard Classic
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	3 year fee waiver for basic and up to 2 supplementary cards

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	2.88% for 6 months; thereafter at standard rate

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	250,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Purchases at participating merchants may be split into equal payments which are billed on a monthly basis for up to 36 months with a minimum transaction amount of RM500 (for selected items & merchants). No interest will be levied if the IPP installment is settled in full every month. IPP installments not paid will be included into the interest bearing outstanding balance of the customer and will attract interest charges.
INSTALMENT PLAN Number of Participating Merchants:	500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	12 month expiry period + 3 month grace period for redemption totals 15 month expiration period of OCBC$ points
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 50% 50 Merchants
DINING Discount Range / No. of Merchants:	10% - 50% 150 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% - 50% 50 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 50% 30 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 88 5000
Website:	www.ocbc.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	Citibank Berhad
Card Name:	Citibank Clear Card VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	90
Supplementary Card (RM):	60
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver for the 1st year if card is swiped 3 times within first 60 days upon card approval.

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	1) Up to 50% discount at Citibank World Privileges Merchants. 2) 3X Citi Rewards Points for every ringgit spent at selected Clear 3X Merchants.* Terms & Conditions apply. Merchants
DINING Discount Range / No. of Merchants:	1) Up to 50% discount at Citibank World Privileges Merchants. 2) 3X Citi Rewards Points for every ringgit spent at selected Clear 3X Merchants.* Terms & Conditions apply. Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	1) Up to 50% discount at Citibank World Privileges Merchants. 2) 3X Citi Rewards Points for every ringgit spent at selected Clear 3X Merchants.* Terms & Conditions apply. Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	1) Up to 50% discount at Citibank World Privileges Merchants. 2) 3X Citi Rewards Points for every ringgit spent at selected Clear 3X Merchants.* Terms & Conditions apply. Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	1-Year annual fee waiver for the 1st year if card is swiped 3 times within first 60 days upon card approval.

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my/clear

Banking Institution:	Citibank Berhad
Card Name:	Citibank Clear Card VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	90
Supplementary Card (RM):	60
FEE WAIVER New Principal Card Holder:	Kad Prinsipal - Dikecualikan untuk tahun pertama jika mengecaj 3 transaksi dalam 60 hari pertama

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	1) Diskaun sehingga 50% dengan Citibank World Privileges. 2) 3X Mata ganjaran Citi di premis-premis Clear tertentu.* *Tertakluk kepada terma & syarat. Merchants
DINING Discount Range / No. of Merchants:	1) Diskaun sehingga 50% dengan Citibank World Privileges. 2) 3X Mata ganjaran Citi di premis-premis Clear tertentu.* *Tertakluk kepada terma & syarat. Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	1) Diskaun sehingga 50% dengan Citibank World Privileges. 2) 3X Mata ganjaran Citi di premis-premis Clear tertentu.* *Tertakluk kepada terma & syarat. Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	1) Diskaun sehingga 50% dengan Citibank World Privileges. 2) 3X Mata ganjaran Citi di premis-premis Clear tertentu.* *Tertakluk kepada terma & syarat. Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Yuran tahunan dikecualikan untuk tahun pertama jika mengecaj 3 transaksi dalam 60 hari pertama.

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my/clear

Banking Institution:	Citibank Berhad
Card Name:	Citibank Platinum VISA & MasterCard
Minimum Income (RM):	100,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	600
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver if card is swiped 3 times within first 60 days Supplementary card -Free for the first supplementary card

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Overseas 24- hour Personal Accident Insurance up to RM 300,000. You will be covered for maximum of 30 days. T&Cs apply
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Global Purchase Protection – Reimbursed for 50% of the amount shown on the Citibank sales draft, up to a maximum of RM 30,000 per item, or a maximum of RM 75000 per occurance. T&Cs apply
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – up to RM 1,700,000, in the event of accident death and dismemberment while travelling on public conveyance. T&Cs apply
Other Travel Related Insurance (RM/cover limit):	Overseas Medical Expenses insurace up to RM50,000. T&C apply.

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,18, 24, and 36 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM1:5 Points for spend at selected department stores and supermarkets / hypermarkets in Malaysia only.RM1: 1 Point for all other spend.Terms & Conditions apply
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off Merchants
DINING Discount Range / No. of Merchants:	up to 20% off Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Platinum VISA & MasterCard
Minimum Income (RM):	100,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	600
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk tahun pertama jika 3 transaksi dalam 60 hari pertama Kad Tambahan -Percuma untuk satu kad tambahan percuma

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Insurans Kemalangan Peribadi Luar Negara - Sehingga RM300,000. Tertakluk kepara terma dan syarat.
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Perlindungan Pembelian Global - Sehingga RM30,000 setiap barangan atau sehingga RM75,000 bagi setiap kejadian. Tertaluk kepada terma dan syarat.
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – sehingga RM 1,700,000 sekiranya berlaku kematian akibat kemalangan dan kecacatan anggota semasa dalam perjalanan menaiki pernerbangan awam. Tertakluk kepada terma dan syarat
Other Travel Related Insurance (RM/cover limit):	Insurans Perbelanjaan Perubatan Luar Negara sehingga RM 50,000. Tertakluk kepada terma dan syarat.

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skim yang sedia ada: 6,9,12, 18 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	1000
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM1:5 mata ganjaran di gedung beli-belah dan pasar raya/pasar raya besar. RM1:1 mata ganjaran bagi perberlanjaan lain. Tertaluk kepada terma dan syarat.
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Gold VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	195
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver if card is swiped 3 times within first 60 days or 2 years fee waiver if card is swiped 6 times within first 60 days

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Citibank Sign & Fly Travel Insurance with coverage of up to RM500,000 when travel tickets are charged to the Citibank Gold card. Terms & Conditions apply.
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM1:3 Points for spend at selected department stores and supermarkets / hypermarkets in Malaysia only. RM1: 1 Point for all other spend.Terms & Conditions apply.
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off Merchants
DINING Discount Range / No. of Merchants:	up to 20% off Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Gold VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	195
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk 1 tahun pertama jika mengecaj 3 transaksi dalam 60 hari pertama atau 2 tahun pertama jika mengecaj 6 transaksi dalam 60 hari pertama

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – sehingga RM 500,000 apabila anda mengecaj ticket perjalanan kepada kad Citibank ini. Tertakluk kepada terma dan syarat
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM1:3 mata ganjaran di gedung beli-belah dan pasar raya/pasar raya besar. RM1:1 mata ganjaran bagi perberlanjaan lain. Tertakluk kepada terma dan syarat.
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Silver VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70
Supplementary Card (RM):	45
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – up to RM 350,000, when travel ticket is charged to this Citibank credit card. T&Cs apply
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off Merchants
DINING Discount Range / No. of Merchants:	up to 20% off Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Silver VISA & MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70
Supplementary Card (RM):	45
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – sehingga RM 350,000 apabila anda mengecaj ticket perjalanan kepada kad Citibank ini. Tertakluk kepada terma dan syarat
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	www.citibank.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Visa/MasterCard Purchasing Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	First year waived. Subsequent years base on below waiver scheme: Annual billings (retail spending/charges only) RM24,000 & above - Waiver 100% RM18,000 & above - Waiver 75% RM12,000 & above - Waiver 50% RM6,000 & above - RM25%

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	- - -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 15 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	Kad pertama: RM50; Kad seterusnya: RM100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	S$1000000
Other Travel Related Insurance (RM/cover limit):	Flight delay: max S$200 per event for 6 hours delay. Luggage delay: S$200 per event after 6 hours delay. Luggage loss: S$200 per event after 48 hours.

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9 or 12 months
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 22 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
DINING Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	During officer hours: 03-7787 7090/7787 7091; After office hours: UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Visa/MasterCard Purchasing Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan untuk tahun pertama. Tahun seterusnya adalah berdasarkan jadual kelepasan berikut: RM24,000 & ke atas - 100% pelepasan RM18,000 & ke atas - 75% pelepasan RM12,000 & ke atas - 50% pelepasan RM6,000 & ke atas - 25% pelepasan

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	- - -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 15 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	Kad pertama: RM50; Kad seterusnya: RM100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	S$1000000
Other Travel Related Insurance (RM/cover limit):	Kelewatan penerbangan: Maksimum S$200 bagi setiap kelewatan selama 6 jam Kelewatan bagasi: S$200 bagi setiap kelewatan melebihi 6 jam Kehilangan bagasi: S$200 bagi setiap kejadian selepas 48 jam

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan sedia ada: 3, 6, 9 atau 12 bulan
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	Waktu pejabat: 03-7787 7090/7787 7091; Selepas waktu pejabat: UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:	Great Eastern MasterCard/Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	60
FEE WAIVER New Principal Card Holder:	3 years annual fee waiver for principle and up to 2 supplementary cards

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A - 0% per month for 3 months Plan B - 0.33% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	none
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Purchases at participating merchants may be split into equal payments which are billed on a monthly basis for up to 36 months with a minimum transaction amount of RM500 (for selected items & merchants). No interest will be levied if the IPP installment is settled in full every month. IPP installments not paid will be included into the interest bearing outstanding balance of the customer and will attract interest charges.
INSTALMENT PLAN Number of Participating Merchants:	500
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	12 month expiry + 3 month grace period for redemption
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 50% 50 Merchants
DINING Discount Range / No. of Merchants:	10% - 50% 150 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10% - 50% 50 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 50% 30 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Free For Life with auto debit of GE Insurance premiums to GE Cards 10% discount on Pahtlab health tests and supplements OCBC Essential Health Check package at RM98 (NP RM200) 24 hour Auto Assist package at only RM28 per annum.

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 88 5000
Website:	www.ocbc.com.my

Banking Institution:	OCBC Bank (Malaysia) Berhad
Card Name:
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	60
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	30

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Gold Visa / Master Card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	175
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	2 years fee waiver

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred RM1000; Interest rate fixed at 7.99% for 9, 12 and 18 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Up to 18000; Per Event: Up to 36000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to 700,000
Other Travel Related Insurance (RM/cover limit):	Up to 3,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	By redemption

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10% - 70% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Depends on campaign

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 888 888 or 03-7711 8888
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Kad Emas Visa / Master
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	175
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	2 tahun

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amaun minima untuk dipindah RM1000; Kadar faedah tetap 7.99% untuk 9, 12 dan 18 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Sehingga 18,000; Per Event: Sehingga 36,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga 700,000
Other Travel Related Insurance (RM/cover limit):	Sehingga 3,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Secara penebusan

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Bergantung kepada kempen

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 888 888 atau 03-7711 8888
Website:	www.standardchartered.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Visa Business Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	First year waived.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	Kad pertama: RM50; Kad seterusnya: RM100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	S$1000000
Other Travel Related Insurance (RM/cover limit):	Flight delay: max S$200 per event for 6 hours delay. Luggage delay: S$200 per event after 6 hours delay. Luggage loss: S$200 per event after 48 hours.

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9 or 12 months
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 22 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	1
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
DINING Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Selected promotions Selected promotions merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	Officer hours: 03-7787 7090/7787 7091; After office hours: UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Visa Business Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan untuk tahun pertama. Tahun seterusnya adalah berdasarkan jadual pelepasan berikut: RM24,000 & ke atas - 100% pelepasan RM18,000 & ke atas - 75% pelepasan RM12,000 & ke atas - 50% pelepasan RM6,000 & ke atas - 25% pelepasan

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	Kad pertama: RM50; Kad seterusnya: RM100

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	S$1000000
Other Travel Related Insurance (RM/cover limit):	Kelewatan penerbangan: Maksimum S$200 bagi setiap kelewatan selama 6 jam Kelewatan bagasi: S$200 bagi setiap kelewatan melebihi 6 jam Kehilangan bagasi: S$200 bagi setiap kejadian selepas 48 jam

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan sedia ada: 3, 6, 9 atau 12 bulan
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	2:1
GIFT REDEMPTION Expiry period of points (years):	1
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	Waktu pejabat: 03-7787 7090/7787 7091; Selepas Waktu pejabat: UOB121: Kuala Lumpur 03-26128 121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Classic Visa / Master Card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	90
Supplementary Card (RM):	50
FEE WAIVER New Principal Card Holder:	2 years fee waiver

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred RM1000; Interest rate fixed at 7.99% for 9, 12 and 18 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Up to 5,000; Per Event: Up to 15,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to 350,000
Other Travel Related Insurance (RM/cover limit):	Up to 1,500

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1 : 1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	By Redemption

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 888 888 or 03 7711 8888
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Kad Klasik Visa / Master
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	90
Supplementary Card (RM):	50
FEE WAIVER New Principal Card Holder:	2 tahun

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amaun minima untuk dipindah: RM1000; Kadar faedah tetap 7.99% untuk 6, 9, 12 dan 18 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Sehinga 5,000; Per Event: Sehingga 15,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga 350,000
Other Travel Related Insurance (RM/cover limit):	Sehingga 1,500

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1 : 1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Secara Penebusan

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 888 888 atau 03 7711 8888
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Platinum Visa / Master Card
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	250
Supplementary Card (RM):	135
FEE WAIVER New Principal Card Holder:	2 years fee waiver

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred RM1000; Interest rate fixed at 7.99% for 9, 12 and 18 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Up to 20000; Per Event: Up to 40000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to 1,000,000
Other Travel Related Insurance (RM/cover limit):	Up to 4,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1 : 1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	By Redemption

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Depends on campaign

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 88 2588 (Hotline) / 03-7718 9799 (call center)
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Platinum Visa / Master Card
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	250
Supplementary Card (RM):	135
FEE WAIVER New Principal Card Holder:	2 tahun

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amaun minima untuk dipindah: RM1000; Kadar faedah tetap 7.99% untuk 9, 12 dan 18 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Sehingga 20000; Per Event: Sehingga 40000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga 1,000,000
Other Travel Related Insurance (RM/cover limit):	Sehingga 4,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1 : 1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Secara Penebusan

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Bergantung kepada kempen

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 88 2588 (Hotline) / 03-7718 9799 (call center)
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Business Gold Visa
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	200
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	2 years fee waiver

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred RM1000; Interest rate fixed at 7.99% for 9, 12 and 18 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Up to 18,000; Per Event: Up to 36,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to 700,000
Other Travel Related Insurance (RM/cover limit):	Up to 3,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1: 1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Automatic cash back of 0.5% on all your business expenses

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Depends on campaign

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 888 888 or 03-7711 8888
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Business Gold Visa
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	200
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	2 tahun

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amaun minima untuk dipindah: RM1000; Kadar faedah tetap 7.99% untuk 9 , 12 dan 18 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Sehingga 18,000; Per Event: Sehingga 36,000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga 700,000
Other Travel Related Insurance (RM/cover limit):	Sehingga 3,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1: 1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Automatik 0.5% rebet tunai untuk perbelanjaan perniagaan

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Bergantung kepada kempen

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 888 888 atau 03-7711 8888
Website:	www.standardchartered.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB Executive MasterCard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	88
Supplementary Card (RM):	48
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): RM1 - RM750 = 0% waiver RM750 - RM1,500 = 25% waiver RM1,501 - RM2,250 = 50% waiver RM2,251 - RM3,000 = 75% waiver RM3,001 - above = 100% waiver

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 300,000, Spouse - 200,000, Child - 100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Executive MasterCard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	88
Supplementary Card (RM):	48
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup (tertakluk kepada kadar penggunaan runcit tahunan) RM1 - RM750 = 0% pengecualian RM751 - RM1,500 = 25% pengecualian RM1,501 - RM2,250 = 50% pengecualian RM2,251 - RM3,000 = 75% pengecualian RM3,001 ke atas = 100% pengecualian

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 300,000, Suami/Isteri - 200,000, Anak - 100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Visa Classic
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	75
Supplementary Card (RM):	45
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): RM1 - RM750 = 0% waiver RM751 - RM1,500 = 25% waiver RM1,501 - RM2,250 = 50% waiver RM2,251 - RM3,000 = 75% waiver RM3,001 - above = 100% waiver

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 350,000, Spouse - 200,000, Child - 100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Up to RM3,000 = 0.3% Up to RM10,000 = 0.5% Above RM10,000 = 0.6%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603-2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Visa Classic
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	75
Supplementary Card (RM):	45
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup (tertakluk kepada kadar penggunaan runcit tahunan) RM1 - RM750 = 0% pengecualian RM751 - RM1,500 = 25% pengecualian RM1,501 - RM2,250 = 50% pengecualian RM2,251 - RM3,000 = 75% pengecualian RM3,001 ke atas = 100% pengecualian

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 350,000, Suami/Isteri - 200,000, Anak - 100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Sehingga RM3,000 = 0.3% Sehingga RM10,000 = 0.5% RM10,001 ke atas = 0.6%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603-2176 8000
Website:	www.pbebank.com

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong MasterCard / Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to either a minum of 2 swipes, Balance Transfer or Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year annual fee waiver subject to a minumum of 2 swipes per month or min annual spend RM8,000

Finance Charges
Purchases (% p.a.):	13.5% - 17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate of 0.50% per month for 6 months; 0.75% per month for 9 months; 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	None
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months EXTENDED Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchase amount or RM50, whichever is higher as long Cardmember pay up the full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- 0 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong MasterCard / Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM8,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5% - 17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah 0.50% sebulan untuk 6 bulan pertama ; 0.75% sebulan untuk 9 bulan pertama; 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	None
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM500,000 untuk Pelan Perlindungan Perjalanan Udara
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang mengambil bahagian. Ahli Kad hanya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB MasterCard Standard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	75
Supplementary Card (RM):	45
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): RM1 - RM750 = 0% waiver RM751 - RM1,500 = 25% waiver RM1,501 - RM2,250 = 50% waiver RM2,251 - RM3,000 = 75% waiver RM3,001 - above = 100% waiver

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 350,000, Spouse - 200,000, Child - 100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Up to RM3,000 = 0.3% Up to RM10,000 = 0.5% Above RM10,000 = 0.6%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 - 2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB MasterCard Standard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	75
Supplementary Card (RM):	45
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup (tertakluk kepada kadar penggunaan runcit tahunan): RM1 - RM750 = 0% pengecualian RM751 - RM1,500 = 25% pengecualian RM1,501 - RM2,250 = 50% pengecualian RM2,251 - RM3,000 = 75% pengecualian RM3,001 ke atas = 100% pengecualian

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 350,000, Suami/Isteri - 200,000, Anak - 100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Sehingga RM3,000 = 0.3% Sehingga RM10,000 = 0.5% RM10,001 ke atas = 0.6%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 - 2176 8000
Website:	www.pbebank.com

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong MasterCard / Visa
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	80
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM3,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to RM350,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months EXTENDED Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchase amount or RM50, whichever is higher as long Cardmember pay up the full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	215
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong MasterCard / Visa
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	80
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM3,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM350,000 untuk Pelan Perlindungan Perjalanan Udara
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang mengambil bahagian. Ahli Kad hanya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB Visa Gold
Minimum Income (RM):	25,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): RM1 - RM750 = 0% waiver RM751 - RM1,500 = 25% waiver RM1,501 - RM2,250 = 50% waiver RM2,251 - RM3,000 = 75% waiver RM3,001 - above = 100% waiver

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 1,000,000, Spouse - 500,000, Child - 350,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Up to RM3,000 = 0.3% Up to RM10,000 = 0.5% Up to RM30,000 = 0.6% Above RM30,000 = 0.7%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 - 2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Visa Gold
Minimum Income (RM):	25,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup (tertakluk kepada kadar penggunaan runcit tahunan) RM1 - RM750 = 0% pengecualian RM751 - RM1,500 = 25% pengecualian RM1,501 - RM2,250 = 50% pengecualian RM2,251 - RM3,000 = 75% pengecualian RM3,001 ke atas = 100% pengecualian

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 1,000,000, Suami/Isteri - 500,000, Anak - 350,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Sehingga RM3,000 = 0.3% Sehingga RM10,000 = 0.5% Sehingga RM30,000 = 0.6% RM30,001 ke atas = 0.7%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 - 2176 8000
Website:	www.pbebank.com

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong MasterCard
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM15,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Up to RM300,000 for Overseas Personal Accident Insurance
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to RM500,000 for Air Travel Accident Insurance
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months EXTENDED Plan (EPP)at selected merchant outlets. Cardmember is only required to pay 5% of the purchase amount or RM50, whichever is higher as long Cardmember pay up the full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong MasterCard
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM15,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Sehingga RM300,000 untuk Insuran Kemalangan Diri Di Luar Negeri
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM500,000 untuk Pelan Perlindungan Perjalanan Udara
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang mengambil bahagian. Ahli Kad hanya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB Gold MasterCard
Minimum Income (RM):	25,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): RM1 - RM750 = 0% waiver RM751 - RM1,500 = 25% waiver RM1,501 - RM2,250 = 50% waiver RM2,251 - RM3,000 = 75% waiver RM3,001 - above = 100% waiver

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 1,000,000, Spouse - 500,000, Child - 350,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Up to RM3,000 = 0.3% Up to RM10,000 = 0.5% Up to RM30,000 = 0.6% Above RM30,000 = 0.7%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Gold MasterCard
Minimum Income (RM):	25,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup (tertakluk kepada kadar penggunaan runcit tahunan) RM1 - RM750 = 0% pengecualian RM751 - RM1,500 = 25% pengecualian RM1,501 - RM2,250 = 50% pengecualian RM2,251 - RM3,000 = 75% pengecualian RM3,001 ke atas = 100% pengecualian

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 1,000,000, Suami/Isteri - 500,000, Anak - 350,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Sehingga RM3,000 = 0.3% Sehingga RM10,000 = 0.5% Sehingga RM30,000 = 0.6% RM30,001 ke atas = 0.7%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 2176 8000
Website:	www.pbebank.com

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Amex
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM15,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Up to RM300,000 for Overseas Personal Accident Insurance
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to RM500,000 for Air Travel Accident Insurance
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Amex
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM15,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Sehingga RM300,000 untuk Insuran Kemalangan Diri Di Luar Negeri
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM500,000 untuk Pelan Perlindungan Perjalanan Udara
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB Visa Platinum
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	333
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): Up to RM3,000 = 0% Up to RM5,000 = 25% Up to RM8,000 = 50% Up to RM10,000 = 75% Above RM10,001 = 100%

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Coverage up to RM15,000 from the date of purchase until 23.59 hours on the 15th day (Malaysia & Singapore) or 30th day (elsewhere) thereafter.
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 2,000,000, Spouse - 1,000,000, Child - 500,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Cash MegaBonus may be converted to Vacation Indulgence Points. Cash MegaBonus x 0.20%
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	- Up to RM10,000 = 0.5% - Up to RM30,000 = 0.55% - Up to RM60,000 = 0.6% - Up to RM100,000 = 0.65% - 100,001 & above = 0.7%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Exclusive set of Cerruti 1881 Pens (subject to a retail spend of RM3,000 in the first month of Cardmembership) valid till November 2008

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 - 2176 8333
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Visa Platinum
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	333
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	Percuma seumur hidup (tertakluk kepada kadar penggunaan runcit tahunan): Sehingga 3,000 = 0% Sehingga 5,000 = 25% Sehingga 8,000 = 50% Sehingga 10,000 = 75% 10,000 ke atas = 100%

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Perlindungan sehingga RM15,000 daripada tarikh pembelian sehingga 23.59 jam pada hari ke-15 (Malaysia & Singapore) atau hari ke-30 (di negara-negara lain) selepas itu.
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 2,000,000, Suami/Isteri - 1,000,000, Anak - 500,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Mega Bonus Tunai ini boleh ditukarkan kepada Vacation Indulgence Points. Mega Bonus Tunai x 0.20%
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	- Sehingga RM10,000 = 0.50% - Sehingga RM30,000 = 0.55% - Sehingga RM60,000 = 0.60% - Sehingga RM100,000 = 0.65% - 100,001 ke atas = 0.70%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Satu set pen Cerruti 1881 yang eksklusif (tertakluk kepada perbelanjaan runcit sebanyak RM3,000 dalam bulan pertama keahlian) Sah sehingga November 2008

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 - 2176 8333
Website:	www.pbebank.com

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Amex
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM8,000

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate of 0.50% per month for 6 months; 0.75% per month for 9 months; 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Amex
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	160
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM8,000 setahun.

Finance Charges
Purchases (% p.a.):	18.00
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah 0.50% sebulan untuk 6 bulan pertama; 0.75% sebulan untuk 9 bulan pertama; 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM500,000 untuk Pelan Perlindungan Perjalanan Udara
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB Platinum MasterCard
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	333
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	Free for Life (based on annual tiered usage): Up to 3,000 = 0% Up to 5,000 = 25% Up to 8,000 = 50% Up to 10,000 = 75% Above 10,001 = 100%

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred: 500 6 months with Fixed Monthly Amount Repayment at 0% interest. Handling fee: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Coverage up to RM15,000 from the date of purchase until 23.59 hours on the 15th day (Malaysia & Singapore) or 30th day (elsewhere) thereafter
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - 2,000,000, Spouse - 1,000,000, Child - 500,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available: 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Monthly retail purchase transacted will earn up points as follows : Up to 5,000 = 1.0 VIP, Up to 10,000 = 1.5 VIP, Up to 30,000 = 2.0 VIP, Up to RM60,000 = 2.5 VIP, Up to RM100,000 = 3.0 VIP, 100,001 & above = 5.0 VIP
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Vacation Indulgence Points (VIPS) may be converted to Cash MegaBonus/Eurich Miles. VIPS X 0.20% VIPS min 20,000 = 1,000 Eurich miles

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Exclusive set of Cerruti 1881 Pens (subject to a retail spend of RM3,000 in the first month of Cardmembership) valid till November 2008

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3-2176 8333
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB Platinum MasterCard
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	333
Supplementary Card (RM):	150
FEE WAIVER New Principal Card Holder:	Percuma seumur hidup (tertakluk kepada kadar penggunaan runcit tahunan): Sehingga 3,000 = 0% Sehingga 5,000 = 25% Sehingga 8,000 = 50% Sehingga 10,000 = 75% 10,000 ke atas = 100%

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan: 500 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian: 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50 untuk aduan kehilangan atau kecurian kad pertama kali, 100 untuk aduan kehilangan atau kecurian kad kali kedua, 150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Perlindungan sehingga RM15,000 daripada tarikh pembelian sehingga 23.59 jam pada hari ke-15 (Malaysia & Singapore) atau hari ke-30 (di negara-negara lain) selepas itu.
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang Kad Utama - 2,000,000, Suami/Isteri - 1,000,000, Anak - 500,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan: 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Pembelian runcit dalam sebulan akan menerima ganjaran VIP seperti berikut : Sehingga RM5,000 = 1.0 VIP, Sehingga RM10,000 = 1.5 VIP, Sehingga RM30,000 = 2.0 VIP, Sehingga RM60,000 = 2.5 VIP, Sehingga RM100,000 = 3.0 VIP, 100,001 ke atas = 5.0 VIP
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Vacation Indulgence Points (VIPS) boleh ditukarkan kepada Mega Bonus/Eurich Miles Tunai. VIPS X 0.20% VIPS minima 20,000 = 1,000 Eurich miles

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Satu set pen Cerruti 1881 yang eksklusif (tertakluk kepada perbelanjaan runcit sebanyak RM3,000 dalam bulan pertama keahlian) Sah sehingga November 2008

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+60 3-2176 8333
Website:	www.pbebank.com

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Amex
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	80
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM3,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) (b) 0.75% per month for 9 months; (c) (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	None
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to RM350,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Amex
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	80
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM3,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 10 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 -
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	None
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM350,000 untuk Pelan Perlindungan Perjalanan Udara
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Affin Bank Berhad
Card Name:	Affin Bank Mastercard/Visa Classic
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	50.00
Supplementary Card (RM):	35
FEE WAIVER New Principal Card Holder:	Waiver for life(for principal and supplementary cardholder).

Finance Charges
Purchases (% p.a.):	Tier I - 9.99% p.a. if cardholder make minimum payment before or by the payment due date; Tier II - 17.5% p.a. when payment made after the payment due date.
Cash Advance (% p.a.):	17.50
Balance Transfer:	Yes, one time up-front interest will be charged according to the tenure. 2% - 6 months 4% - 12 months 5% - 18 months 6% - 24 months 7% - 36 months Minimum transfer amount is RM1,000

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	NA
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	250,000
Other Travel Related Insurance (RM/cover limit):

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Zero(0%) Installment Plan with participating Merchants (EPP), Tenure - 6, 12, 18 months.
INSTALMENT PLAN Number of Participating Merchants:	EiPlan - All Merchants. Cardholder is required to call AFFINBANK to convert the transaction to Easy Instalment Plan
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	a) Total monthly retail purchases of RM100 to RM1,500 will get 0.4% cash back. b)Total monthly retail purchases of RM1,500 or more will get 0.8% cash back. No capping Note : Except for petrol and government related transactions.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Up to 81% Merchants
DINING Discount Range / No. of Merchants:	Up to 81% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Up to 81% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Up to 81% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Special Cash Reward (SCR) of up to RM50.00 to redeem Government Service Tax (GST).

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Approximately 7 working days until the card delivered to the Cardholder.
Bill Payment Facilities:	No
Call Centre: (hours)	8.00a.m. to 9p.m. from Monday to Friday. Note: Authorization Unit is available for Credit Card related inquiry after 9p.m., Saturday, Sunday and Public Holiday.

Contact Details
Contact No:	03-5522 3000 (Contact Centre) & 03- 7947 5488 (Authorization Unit)
Website:	www.affinbank.com.my

Banking Institution:	Affin Bank Berhad
Card Name:	Affin Bank Mastercard/Visa Gold
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150.00
Supplementary Card (RM):	75
FEE WAIVER New Principal Card Holder:	Waive for for life ( for principal and supplementary cardholder)

Finance Charges
Purchases (% p.a.):	Tier I - 9.99% p.a. if cardholder make minimum payment before or by the payment due date; Tier II - 17.5% p.a. when payment made after the payment due date.
Cash Advance (% p.a.):	17.50
Balance Transfer:	Yes, one time up-front interest will be charged according to the tenure. 2% - 6 months 4% - 12 months 5% - 18 months 6% - 24 months 7% - 36 months Minimum transfer amount is RM1,000

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	NA
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	500,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Zero (0%) Installment Plan with participating Merchants (EPP) Tenure - 6, 12, 18 months
INSTALMENT PLAN Number of Participating Merchants:	EiPlan - All Merchants. Cardholder is required to call AFFINBANK to convert the transaction to Easy Instalment Plan
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	a) Total monthly retail purhases of RM100 to RM1,500 will get 0.4% cash back. b) Total monthly retail purchases of RM1,500 or more will get 0.8% cash back. No capping. Except for petrol and government related transactions.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Up to 81% Merchants
DINING Discount Range / No. of Merchants:	Up to 81% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Up to 81% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Up to 81% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Special Cash Reward (SCR) of up to RM50.00 to redeem Government Service Tax (GST).

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Approximately 7 working days until the card delivered to the Cardholder.
Bill Payment Facilities:	No
Call Centre: (hours)	8.00a.m. to 9p.m. from Monday to Friday.Note: Authorization Unit is available for Credit Card inquiry after 9p.m., Saturday, Sunday and public holiday.

Contact Details
Contact No:	03-5522 3000(Contact Centre) & 03- 7947 5488 (Authorization Unit)
Website:	www.affinbank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Shell Gold Visa card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	195
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver if card is swiped 3 times within first 60 days

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – up to RM 500,000, when travel ticket is charged to this Citibank credit card. T&Cs apply
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,15 and 24 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Monthly Total Spend Rebate* (Shell Fuel Spend +Other Spend) (1) RM 300-RM 999 Fuel 4% (2) RM 1,000- RM 2,499 Fuel 6% (3) Above RM 2,500 Fuel 8% Your maximum Shell fuel spend to earn rebates is at RM250 for Tier 1, RM500 for Tier 2, RM800 for Tier 3

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off more than 20 merchants Merchants
DINING Discount Range / No. of Merchants:	up to 20% off more than 100 merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)
Website:	citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Shell Gold Visa card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	195
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk tahun pertama jika 3 transaksi dalam 45 hari pertama

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – sehingga RM 500,000 apabila anda mengecaj ticket perjalanan kepada kad Citibank ini. Tertakluk kepada terma dan syarat
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,15 dan 24 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Jumlah Perbelanjaan Bulanan Rebat* (Perbelanjaan Minyak Shell + untuk Perbelanjaan lain) perbelanjaan minyak Shell (1) RM 300- RM 999 4% (2) RM 1000- RM 2499 6% (3) Melebihi RM 2500 8% Perbelanjaan maksimum minyak Shell anda ialah RM250 untuk Tahap 1, RM 500 untuk Tahap 2, dan RM800 untuk Tahap 3 Non-fuel – 0.75% (2) Lebih dari RM 4000 Fuel – 5% Non-fuel – 1.5% "Minimum Threshold" adalah jumlah RM20.00 atau jumlah berlainan yang ditetapkan oleh Citibank; Jumlah maksima RM1,000 Rebate setahun boleh digunakan untuk menembus pembelian Shell Fuel yang dicaj kepada Gold Card atau jumlah rebate yang berlainan yang ditetapkan oleh Citibank

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 20 Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 100 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 5 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 5 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)
Website:	citibank.com.my

Banking Institution:

Citibank Berhad

Card Name:

Citibank Giant Visa Card

Minimum Income (RM):

24,000

Joining Fee (RM):

Annual Fee

Principal Card (RM):

120

Supplementary Card (RM):

FEE WAIVER New Principal Card Holder:

Principal card

-1 year fee waiver if card is swiped 3 times within first 60 days

Supplementary Card

-Free for supplementary cards

Finance Charges

Purchases (% p.a.):

8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months

Cash Advance (% p.a.):

18.00

Balance Transfer:

Minimum amount RM 1,000.

Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges

CASH ADVANCE FEE
Rate (%): (or)
Minimum (RM):
(whichever is higher)
Maximum (RM):

5
20

-

LATE PAYMENT
Rate (%): (or)
Minimum (RM):
(whichever is higher)
Maximum (RM):

1
10

75

Administrative Charges On Overseas Transaction (%):

1.00

Lost Card Replacement (RM):

Free Insurance Protection

Personal Accident for Cardholder (RM/cover limit):

ON MERCHANDISE
PURCHASE
Acidental Loss/Damage (RM/cover limit):

ON AIR TICKET
PURCHASE
Travel Accident Coverage (RM/cover limit):

Other Travel Related Insurance (RM/cover limit):

Card Payment

Minimum Interest Free Period (Days):
(for purchases only)

MONTHLY PAYMENT:
Minimum Monthly Payment (% of outstanding balance)

5.00

MONTHLY PAYMENT:
Minimum Monthly Payment (RM)

50.00

INSTALMENT PLAN
Zero % Instalment Plan:

Schemes available:

3,6,9,12,15 and 24 months

INSTALMENT PLAN
Number of Participating Merchants:

More than 400 merchants

INSTALMENT PLAN
Minimum Purchase (RM):

1000.00

Reward Programme

GIFT REDEMPTION
How to collect points
(RM : Points):

GIFT REDEMPTION
Expiry period of points
(years):

CASH BACK REBATE
Cash Back Rebate:

Tier	Monthly Total Spend (Giant Spend + Other Spend)	Rebate on Giant Spend	Rebate on selected Dining & Utilities ¹
1	< RM800	2.5%	1%
2	RM800 and above	5%	2%

- Maximum monthly Giant spend to earn rebates is capped at RM400 for Tier 1 and RM600 for Tier 2.

- Total annual rebates earned is capped at RM600
- Rebate on selected Utilities merchants only applicable for payments made via Auto-billing or Citibank One Bill

Discount Privileges

SHOPPING
Discount Range / No. of Merchants:

up to 20% off

more than 20 merchants Merchants

DINING
Discount Range / No. of Merchants:

up to 20% off

more than 100 merchants Merchants

ENTERTAINMENT
Discount Range / No. of Merchants:

up to 20% off

more than 5 merchants Merchants

HEALTH AND BEAUTY
Discount Range / No. of Merchants:

up to 20% off

more than 5 merchants Merchants

Introductory Offers

Introductory Offers
(other than fee waiver):

Touch 'n Go Facility

Touch ‘n Go Facility:

Customer Service

Time needed to replace lost card:

1 hour

Bill Payment Facilities:

Call Centre: (hours)

Contact Details

Contact No:

03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)

Website:

citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	AirAsia-Citibank MasterCard
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver if card is swiped 3 times within first 60 days

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,15 and 24 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Rewards points based on carry forward balance of (1)less than RM2000 - RM 1 spend = 1 AA points (2) RM 2000 and above - RM 1 spend = 2 AA points
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off more than 20 merchants Merchants
DINING Discount Range / No. of Merchants:	up to 20% off more than 100 merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)
Website:	citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank AirAsia Card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk tahun pertama jika 3 transaksi dalam 45 hari pertama

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,15 dan 24 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Rewards points berdasarkan baki bawa kehadapan (1)kurang RM2000 – setiap RM 1 – 1 AA point (2) RM 2000 dan lebih – setiap RM 1 – 2 AA points
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 20 Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 100 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 5 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% lebih 5 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)
Website:	citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	AirAsia-Citibank Gold MasterCard
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	180
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Principal card -1 year fee waiver if card is swiped 3 times within first 45 days

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – up to RM 500,000, when travel ticket is charged to this Citibank credit card. T&Cs apply
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,15 and 24 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Rewards points based on carry forward balance of (1)less than RM2000 - RM 1 spend = 1 AA points (2) RM 2000 and above - RM 1 spend = 2 AA points
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off more than 20 merchants Merchants
DINING Discount Range / No. of Merchants:	up to 20% off more than 100 merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)
Website:	citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	AirAsia-Citibank Gold MasterCard
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	180
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk tahun pertama jika 3 transaksi dalam 45 hari pertama

Finance Charges
Purchases (% p.a.):	8.88%, 15%, 17% or 17.5% p.a. depending on the cardmember's payment for the last 12 months/ 8.88%, 15%, 17% or 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 75
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – sehingga RM 500,000 apabila anda mengecaj ticket perjalanan kepada kad Citibank ini. Tertakluk kepada terma dan syarat
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,15 dan 24 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	Rewards points berdasarkan baki bawa kehadapan (1)kurang RM2000 – setiap RM 1 – 1 AA point (2) RM 2000 dan lebih – setiap RM 1 – 2 AA points
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% >20 Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% >100 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% >5 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% >5 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-23830000 (KL), 04-296 0000 (PG), 07-268 0000 (JB)
Website:	citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Cash Back Gold Card
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	195
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Kad Prinsipal -Dikecualikan untuk 2 tahun pertama jika 3 transaksi dalam 45 hari pertama

Finance Charges
Purchases (% p.a.):	13.5%, 16% atau 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad.
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amount minima RM 1000 Sehingga 6.99% setahun untuk tempoh 12 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – sehingga RM 500,000 apabila anda mengecaj ticket perjalanan kepada kad Citibank ini. Tertakluk kepada terma dan syarat
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Skema sedia ada: 3,6,9,12,18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	Lebih 400
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Baki Bawa Kehadapan Rebat RM 2000 atau kurang 0.40% RM 2001-RM5000 1.50% Lebih dari RM 5000 2.00%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
DINING Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Diskaun sehingga 20% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	citibank.com.my

Banking Institution:	Citibank Berhad
Card Name:	Citibank Cash Back Gold Card
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	195
Supplementary Card (RM):	100
FEE WAIVER New Principal Card Holder:	Principal card -2 year fee waiver if card is swiped 3 times within first 45 days

Finance Charges
Purchases (% p.a.):	13.5%, 16% atau 17.5% setahun bergantung kepada pembayaran 12 bulan lepas oleh ahli kad.
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount RM 1,000. Up to 6.99%p.a. daily interest on the total balance transfer amount.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sign and Fly – up to RM 1,700,000, when travel ticket is charged to this Citibank credit card. T&Cs apply
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Schemes available: 3,6,9,12,18., 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	More than 400 merchants
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Carried forward balance of: Rebate RM 5000 or less 0.50% RM 5001-RM10000 2.00% More than RM 10000 3.88%

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 20% off Merchants
DINING Discount Range / No. of Merchants:	up to 20% off Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 20% off Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 20% off more than 5 merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	1 hour
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	(1) 03-2383 0000 - KL, (2) 04-296 0000 - PNG, (3) 07-268 0000 - JB, (4) 09-509 0000 - Kuantan, (5) 06-852 0000 - Melaka, (6) 1-800-82-1010 - Sabah & Sarawak
Website:	citibank.com.my

Banking Institution:
Card Name:
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	-

Contact Details
Contact No:	-
Website:	-

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Lady's Platinum
Minimum Income (RM):	70,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	First 2 years annual fees waived. Third and subsequent years annual fee waived with minimum 1 transaction per month and RM3000 total retail spending amount for 12 months.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 0.75% per month for 12 months Plan 2 - 1.00% per month for 18 months Plan 3 - 0.499% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2000000 (valid when flight tickets are charged to the UOB Credit card in full)
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 months - Handling charges 2%, Early Settlement/Cancellation Fee RM50. 12 months - Handling charges 3%, Early Settlement/Cancellation Fee RM50. 18 months - Handling charges 4%. Early Settlement/Cancellation Fee RM50.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
DINING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Welcome Vouchers

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB 121: Kuala Lumpur 03-2612 8121; Johor Bahru 07-399 2232; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB Lady's Platinum
Minimum Income (RM):	70,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan untuk 2 tahun pertama. Minima 1 transaksi setiap bulan dan jumlah keseluruhan pengunaan RM3000 bagi 12 bulan untuk tahun ketiga dan tahun seterusnya.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan 1 - 0.75% setiap bulan bagi 12 bulan Pelan 2 - 1.00% setiap bulan bagi 18 bulan Pelan 3 - 0.499% setiap bulan bagi 6 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	2000000 (Sah apabila tiket penerbangan dicajkan ke atas UOB Kad Kredit)
Other Travel Related Insurance (RM/cover limit):	Ketinggalan Penerbangan Sambungan (dalam tempoh 4 jam dari masa ketibaan): RM3000 bagi pemegang kad, RM5000 bagi pemegang kad and ahli keluaraga. Kelewatan Bagasi (dalam tempoh 6 jam selepas ketibaan): RM3000 bagi pemegang kad, RM6000 bagi pemegang kad dan ahli keluarga. Kehilangan Bagasi (dalam tempoh 48 jam daripada waktu ketibaan): RM1000 bagi pemegang kad, RM2000 bagi pemegang kad dan ahli keluarga. Penerbangan Lewat, dibatalkan atau tidak dibenarkan (dalam tempoh lebih daripada 4 jam): RM1000 bagi pemegang kad. RM2000 bagi pemegang kad and ahli keluarga.

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 Bulan - Caj Pengedalian 2%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 12 Bulan - Caj Pengedalian 3%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 18 Bulan - Caj Pengedalian 4%, Penyelesaian Bayaran Awal atau Pembatalan RM50.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Baucar Pengenalan

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB 121: Kuala Lumpur 03-2612 8121; Johor Bahru 07-399 2232; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	HONG LEONG MTV visa
Minimum Income (RM):	24,000
Joining Fee (RM):	20

Annual Fee
Principal Card (RM):	160.00
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM8,000. Waiver of joining fee.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	HONG LEONG MTV visa
Minimum Income (RM):	24,000
Joining Fee (RM):	20

Annual Fee
Principal Card (RM):	160.00
Supplementary Card (RM):	80
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM8,000 setahun. Pengecualian Yuran Penyertaan

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c)1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 hari berkerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong ACCIM Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	216.00
Supplementary Card (RM):	108
FEE WAIVER New Principal Card Holder:	First 3 years annual fee waived for new Principal cardmember & 3 years annual fee waived for new Supplementary cardmember. Fee for life with minimum spending of RM100,000 in the 1st year. Subsequent year fee waiver subject to a minumum of 12 swipes per annum or min spend of RM5,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	3 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	up to 3 years
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong ACCIM Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	216.00
Supplementary Card (RM):	108
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 3 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran 3 tahun pertama untuk Ahli Kad Tambahan yang baru. Percuma Sepanjang Hayat tertakluk kepada caj minima RM100,000 dalam tahun Pertama. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 12 kali sebulan atau caj sebanyak RM5,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	3 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	Sehingga 3 tahun
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Essential Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	100
Supplementary Card (RM):	50
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM8,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	10.80
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) (b) 0.75% per month for 9 months; (c) (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	2 5 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM 500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	0.00
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	At each billing cycle, all valid retail trasaction except for Cash Advance, Cash-On-Call..Flexi Payment Plan, Balance Transfer and petrol transaction are eligible for cash back of equal 1% (round down). The cumulative cash back shall be credited monthly to your credit card account statement. The cash back credits may or will be utilized towards any outstanding balances due on the account.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	up to 50% 50 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Essential Visa
Minimum Income (RM):	30,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	100
Supplementary Card (RM):	50
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM8,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	10.80
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	2 5 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM 500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	0.00
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Pada setiap kitaran bil, semua pembelian runcit yang sahlayak kecuali Pedahuluan Tunai, Pinjaman-Melalui-Telefon, Flexi Payment Plan, Pemidahan Baki dan petrol transaksi akan dapat Pulangan Tunai yang menyamai 1% ( digenapkan kepada yang terendah). Pada setiap bulan, pulangan tunai yang terkumpul akan dikreditkan ke dalam penyata akaun kad anda. Kredit pulangan tunai ini boleh atau akan digunakan untuk membayar baki belum jelas untuk akuan tersebut.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Platinum Business mastercard / Visa
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM15,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	3 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	0.00
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Platinum Business mastercard / Visa
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	Pengecualian yuran 1 tahun pertama untuk Ahli Kad Utama yang baru dan pengecualian yuran tahun pertama untuk Ahli Kad Tambahan yang baru tertakluk kepada caj sebanyak 2 kali, Balance Tranfer atau Cash-on-call dalam masa 45 hari dari tarikh kad diluluskan. Pengecualian yuran tahun berikut tertakluk kepada caj sebanyak 2 kali sebulan atau caj sebanyak RM15,000 setahun.

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk pindahan RM1,000. Kadar faedah package ialah: (a) 0.50% sebulan untuk 6 bulan pertama; (b) 0.75% sebulan untuk 9 bulan pertama; (c) 1.00% sebulan untuk 12 bulan pertama.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	3 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan Pembayaran EXTENDED (EPP) 6 atau 12 bulan didapati di kedai-kedai yang megambil bahagian. Ahli Kad haya perlu membayar 5% dari jumlah pembelian atau RM50, yang mana lebih tinggi, asalkan Ahli Kad membayar penuh jumlah pembelian pada penghujung tempoh pembayaran 6 atau 12 bulan. Tertakluk kepada Terma dan Syarat.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	0.00
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
DINING Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Sehingga 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	Hong Leong Bank Berhad
Card Name:	Hong Leong Platinum Business mastercard / Visa
Minimum Income (RM):	80,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	400
Supplementary Card (RM):	200
FEE WAIVER New Principal Card Holder:	First 1 years annual fee waived for new Principal cardmember & first year annual fee waived for new Supplementary cardmember subject to a minimum of 2 swipes, Balance Transfer and Cash-on-call within 45 days of card approval date (valid as at 01 Jan 2009) Subsequent year fee waiver subject to a minumum of 2 swipes per month or min annuam spend of RM15,000

Finance Charges
Purchases (% p.a.):	13.5%-17.5%
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transfered: RM1,000. Interest rate package of : (a) 0.50% per month for 6 months; (b) 0.75% per month for 9 months; (c) 1.00% per month for 12 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	3 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	up to RM500,000 for Air Travel Protection Plan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	30
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 or 12 months Extended Payment Plan (EPP) at selected merchant outlets. Cardmember is only required to pay 5% of the purchasw amount or RM50, whichever is higher as long Cardmember pay up yhe full purchase amount by end of the 6 or 12 months payment term. Other Terms & Conditions apply.
INSTALMENT PLAN Number of Participating Merchants:	900
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	0.00
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	up to 50% 50 Merchants
DINING Discount Range / No. of Merchants:	up to 50% 50 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	up to 50% 50 Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	Yes

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 7626 8899
Website:	www.hlb.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank True Visa
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Free-for-life (no conditions attached)

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Take advantage of the low balance transfer rate at 6.99% p.a. and pay off in a fixed 12-month instalment. Flexibility to transfer any outstanding amount from other accounts, be it credit/charge card or any personal financing account.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Available tenure: 3,6, 12, 24,36 months
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Reduction of interest is calculated based on a monthly interest rebate of 0.458%(5.5%p.a) credited monthly if payment is prompt in the previous month.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Varies from different merchants Merchants
DINING Discount Range / No. of Merchants:	Varies from different merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Varies from different merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Varies from different merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	7 working days
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	1300 80 8888 (Domestic)/ +603-2178 8888 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank True Visa
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Percuma Seumur Hidup Tanpa Syarat

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Dengan kadar keuntungan pindahan baki serendah 6.99%* setahun, pindahkan baki tertunggak dari akaun lain, sama ada akaun kad kredit/caj atau pembiayaan peribadi dengan bayaran ansuran tetap selama 12 bulan.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tersedia : 3,6,12,18,24,36 bulan
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Pengurangan faedah anda dikira berdasarkan rebat faedah bulanan 0.458% (5.5% setahun) yang dikreditkan pada setiap bulan jika pembayaran anda menepati masa

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants
DINING Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	1 300 80 8888 (Domestik) / +603 2178 8888 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmIslamic Bank TRUE
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Free For Life with no conditions

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Take advantage of the low balance transfer rate at 6.99% p.a. and pay off in a fixed 12-month instalment. Flexibility to transfer any outstanding amount from other accounts, be it credit/charge card or any personal financing account.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	18 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Provides a coverage of up to RM30,000 in the event of death or permanent disability. Certain occupations will not be payable under this policy for bodily injury whilst carrying out work. Please refer to our Contact Center for further details.
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Varies from different merchants Merchants
DINING Discount Range / No. of Merchants:	Varies from different merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Varies from different merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Varies from different merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	1300 80 8888 /603-2178 8888
Website:	amislamicbank.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AmIslamic Bank TRUE
Minimum Income (RM):	36,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Percuma sepanjang hayat (tanpa syarat)

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Dengan kadar keuntungan pindahan baki serendah 6.99%* setahun, pindahkan baki tertunggak dari akaun lain, sama ada akaun kad kredit/caj atau pembiayaan peribadi dengan bayaran ansuran tetap selama 12 bulan.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	18 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	memberikan perlindungan sehingga RM30,000 sekiranya berlaku kematian atau kecacatan keseluruhan yang kekal. Pekerjaan tertentu tidak akan dibayar di bawah polisi ini sekiranya berlaku kecederaan jasmani semasa bekerja. Sila rujuk Pusat Panggilan kami untuk mendapatkan maklumat lanju
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants
DINING Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	1300 80 8888 / 603-2178 8888
Website:	amislamicbank.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Business Platinum Visa
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	300
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	2 years fee waiver

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred RM1000; Interest rate fixed at 7.99% for 9, 12 and 18 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Up to 20000; Per Event: Up to 40000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Up to 1,000,000
Other Travel Related Insurance (RM/cover limit):	Up to 4,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Automatic cash back of 0.5% on all your business expenses

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Depends on campaign

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 88 2588 (Hotline) / 03-7718 9799 (call center)
Website:	www.standardchartered.com.my

Banking Institution:	Standard Chartered Bank Malaysia Berhad
Card Name:	Business Platinum Visa
Minimum Income (RM):	48,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	300
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	2 tahun

Finance Charges
Purchases (% p.a.):	15, 17 & 18 berdasarkan struktur kadar faedah berperingkat
Cash Advance (% p.a.):	18.00
Balance Transfer:	Amaun minima untuk dipindah: RM1000; Kadar faedah tetap 7.99% untuk 9, 12 dan 18 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 25 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	Per Article: Sehingga 20000; Per Event: Sehingga 40000
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Sehingga 1,000,000
Other Travel Related Insurance (RM/cover limit):	Sehingga 4,000

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	-
INSTALMENT PLAN Number of Participating Merchants:	-
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Automatik 0.5% rebet tunai atas perbelanjaan perniagaan

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10% - 70% 7 Merchants
DINING Discount Range / No. of Merchants:	10% - 70% 1416 Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	Bergantung kepada kempen

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	3 hari bekerja
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1800 88 2588 (Hotline) / 03-7718 9799 (call center)
Website:	www.standardchartered.com.my

Banking Institution:	Public Bank Berhad
Card Name:	PB ING Credit Mastercard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68
Supplementary Card (RM):	38
FEE WAIVER New Principal Card Holder:	Free For Life (based on annual tiered usage) : RM1 - RM750 = 0% waiver RN751 - RM1,500 = 25% waiver RM1,501 - RM2,250 = 50% waiver RM2,251 - RM3,000 = 75% waiver RM3,000 - above = 100% waiver

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Minimum amount to be transferred : RM500; 6 months with fixed monthly amount repayment at 0% interest. Handling fee : 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	RM50 untuk aduan kehilangan atau kecurian kad pertama kali, RM100 untuk aduan kehilangan atau kecurian kad kali kedua, RM150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Principal Cardmember - RM300,000, Spouse - RM200,000, Child - RM100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Plans available : 3, 6, 9, 12, 18, 24 and 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Up to RM3,000 = 0.3% Up to RM10,000 = 0.5% Up to RM30,000 = 0.6% Above RM30,000 = 0.6% 2% Cash Mega Bonus on any amount spent for ING Insurance Premiums

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
DINING Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various and varies on promotional basis Various and varies on promotional basis Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 2176 8000
Website:	www.pbebank.com

Banking Institution:	Public Bank Berhad
Card Name:	PB ING Credit Mastercard
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68
Supplementary Card (RM):	38
FEE WAIVER New Principal Card Holder:	Percuma seumur hidup (tertakluk kepada kadar penggunaan runcit tahunan) : RM1 - RM750 = 0% pengecualian RN751 - RM1,500 = 25% pengecualian RM1,501 - RM2,250 = 50% pengecualian RM2,251 - RM3,000 = 75% pengecualian RM3,001 ke atas = 100% pengecualian

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Jumlah minima untuk dipindahkan : RM500; 6 bulan dengan jumlah bayaran bulanan yang tetap pada kadar faedah 0%. Yuran pengendalian : 1.5%

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 75
Administrative Charges On Overseas Transaction (%):	0.00
Lost Card Replacement (RM):	RM50 untuk aduan kehilangan atau kecurian kad pertama kali, RM100 untuk aduan kehilangan atau kecurian kad kali kedua, RM150 untuk aduan kehilangan atau kecurian kad kali ketiga

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	Pemegang kad utama - RM300,000, Suami/Isteri - RM200,000, Anak - RM100,000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan yang disediakan : 3, 6, 9, 12, 18, 24 dan 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	500.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Sehingga RM3,000 = 0.3% Sehingga RM10,000 = 0.5% Sehingga RM30,000 = 0.6% RM30,001 ke atas = 0.6% 2% Mega Bonus tunai untuk sebarang jumlah pembelian Insurans Premium ING

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
DINING Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pelbagai dan berbeza bagi promosi tertentu Pelbagai dan berbeza bagi promosi tertentu Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 jam
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 2176 8000
Website:	www.pbebank.com

Banking Institution:	RHB Bank Berhad
Card Name:	RHB Travel Money
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	70
Supplementary Card (RM):	40
FEE WAIVER New Principal Card Holder:	Principal - 1st year annual fee waived Supplementary - 3 years annual fee waiver

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	0.5% p.m. for 12, 18 or 24 months * Minimum transfer of RM3,000 per application * Applicable only to Principal cardmember

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	600000.00
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank website at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	2
CASH BACK REBATE Cash Back Rebate:	Up to 5% rebate on petrol purchases (till 30 September 2009)

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 9206 8118 (Semenanjung Malaysia)/ +6082276118 (East Malaysia - 7am to 7pm)
Website:	http://www.rhb.com.my

Banking Institution:	RHB Bank Berhad
Card Name:	Tesco-RHB Card
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	88
Supplementary Card (RM):	20
FEE WAIVER New Principal Card Holder:	Principal - 1st year annual fee waived Supplementary - 3 years annual fee waiver

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	0.5% p.m. for 12, 18 or 24 months * Minimum transfer of RM3,000 per application * Applicable only to Principal cardmember

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank wbsite at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	2:1
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	2% Cash back for spending at Tesco Malaysia stores

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1-300-88-8080
Website:	http://www.rhb.com.my

Banking Institution:	RHB Bank Berhad
Card Name:	RHB Visa Gold Business
Minimum Income (RM):	0
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	0
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	-

Finance Charges
Purchases (% p.a.):	Effective 31st March 2009, the finance charge is at either 13.5% or 16% or 17.5%. Depending on the cardmember's payment history for the last 12 months
Cash Advance (% p.a.):	18.00
Balance Transfer:	-

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	600000
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Instalment at 0% interest from selected merchants for purchases above RM1000 - 6,9,12 or 24 months plan
INSTALMENT PLAN Number of Participating Merchants:	Pls visit RHB Bank website at www.rhb.com.my
INSTALMENT PLAN Minimum Purchase (RM):	1000.00

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	2
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
DINING Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Pls visit RHB Bank website at www.rhb.com.my Pls visit RHB Bank website at www.rhb.com.my Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	24 hours
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	+603 9206 8118 (Semenanjung Malaysia)/ +6082 276 118 (East Malaysia - 7am to 7pm)
Website:	http://www.rhb.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB ONE Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Pengecualian yuran tahunan bagi 2 tahunan pertama. Minima 12 transaksi untuk mendapat pengecualian yuran tahunan bagi tahun ketiga dan tahun seterusnya.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan 1 - 0.75% setiap bulan bagi 12 bulan Pelan 2 - 1.00% setiap bulan bagi 18 bulan Pelan 3 - 0.499% setiap bulan bagi 6 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 Bulan - Caj Pengedalian 2%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 12 Bulan - Caj pengedalian 3%, Penyelesaian Bayaran Awal atau Pembatalan RM50. 18 Bulan - Caj Pengedalian 4%, Penyelesaian Bayaran Awal atau Pembatalan RM50.
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	1 SMART$ bersamaan RM1, nilai SMART$ Cash Rebates yang terkumpul boleh ditebus guna daripada 500 saudagar SMART$ yang mengambil bahagian di Malaysia.

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Subject to ongoing promotions merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB 121: Kuala Lumpur 03-2612 8121;Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB ONE Card
Minimum Income (RM):	18,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	68.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	First 2 years annual fee waived. Third and subsequent years annual fee waived with minimum 12 transactions per year.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 0.75% per month for 12 months Plan 2 - 1.00% per month for 18 months Plan 3 - 0.499% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 Months - Handling Charges 2%, Early Settlement/Cancellation Fee RM50. 12 Months - Handling Charges 3%, Early Settlement/Cancellation Fee RM50. 18 Months - Handling Charges 4%, Early Settlement/Cancellation Fee RM50.
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 30 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Every SMART$ is worth RM1 and works just like regular cash in credit card account to offset the next purchases at over 500 participating SMART$ outlets in Malaysia

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
DINING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A Week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB 121: Kuala Lumpur 03-2612 8121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088-477 121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB ONE Platinum
Minimum Income (RM):	70,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	First 2 years annual fees waived. Third and subsequent years annual fee waived with minimum RM3000 retail spend per year.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan 1 - 0.75% per month for 12 months Plan 2 - 1.00% per month for 18 months Plan 3 - 0.499% per month for 6 months

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 months - Handling Charges 2%, Early Settlement/Cancellation Fee RM50. 12 months - Handling Charges 3%, Early Settlement/Cancellation Fee RM50 18 months - Handling Charges 4%, Early Settlement/Cancellation Fee RM50
INSTALMENT PLAN Number of Participating Merchants:	Internationally accepted in over 30 million establishments worldwide
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	Every SMART$ is worth RM1 and works just like regular cash in credit cash account to offset the next purchases at over 500 participating SMART$ outlets in Malaysia

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
DINING Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Subject to ongoing promotions Subject to ongoing promotions Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Subject to ongoing promotions Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	A week
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB 121: Kuala Lumpur 03-2612 8121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088 477121
Website:	www.uob.com.my

Banking Institution:	United Overseas Bank (Malaysia) Berhad
Card Name:	UOB ONE Platinum
Minimum Income (RM):	70,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388.00
Supplementary Card (RM):	30
FEE WAIVER New Principal Card Holder:	Pengecualian t=yuran tahunan untuk 2 tahun pertama. Minima penggunaan RM3000 bagi 12 bulan untuk tahun ketiga and tahun seterusnya.

Finance Charges
Purchases (% p.a.):	17.50
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan 1 - 0.75% setiap bulan untuk 12 bulan Pelan 2 - 1.00% setiap bulan untuk 18 bulan Pelan 3 - 0.499% setiap bulan untuk 6 bulan

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 20 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	50.00

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	6 bulan - Caj Pengedalian 2%, Penyelesaian bayaran awal atau pembatalan RM50. 12 bulan - Caj Pengedalian 3%, Penyelesaian bayaran awal atau pembatalan RM50 18 bulan - Caj Pengendalian 4%, Penyelesaian bayaran awal atau pembatalan RM50
INSTALMENT PLAN Number of Participating Merchants:	Diterima serata dunia oleh lebih 30 juta rangkaian saudagar
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	-
GIFT REDEMPTION Expiry period of points (years):	-
CASH BACK REBATE Cash Back Rebate:	1 SMART$ bersamaan RM1, nilai SMART$ Cash Rebates yang terkumpul boleh ditebus guna daripada 500 saudagar SMART$ yang mengambil bahagian di Malaysia

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
DINING Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Mengikut promosi terkini Mengikut promosi terkini Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Mengikut promosi terkini Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	Seminggu
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	UOB 121: Kuala Lumpur 03-2612 8121; Johor Bahru 07-288 1121; Penang 04-240 1121; Kuching 082-287 121; Kota Kinabalu 088 477121
Website:	www.uob.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AmVirtual Mastercard Account
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	75
FEE WAIVER New Principal Card Holder:	Free-For-Life for Principal and first 3 Suplementary Cards

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Available AmTransfer Instalment Periods: Plan A: 6 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 4.99% p.a. Plan B: 12 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a. Plan C: 24 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	0

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	varies from different merchants
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	Subjects to promotion basis

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	7 working days
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	1300 80 8888 (Domestic)/ +603-2178 8888 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank Platinum Card
Minimum Income (RM):	60,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	688
Supplementary Card (RM):	188
FEE WAIVER New Principal Card Holder:	Free-For-Life for Principal and first 3 Suplementary Cards

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Available AmTransfer Instalment Periods: Plan A: 6 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 4.99% p.a. Plan B: 12 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a. Plan C: 24 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	varies from different merchants
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Various fom different merchant Merchants
DINING Discount Range / No. of Merchants:	Various fom different merchant Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Various fom different merchant Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Various fom different merchant Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	7 working days
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 8080 (Domestic)/ +603-2178 6600 (International)
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	AmBank Platinum Card
Minimum Income (RM):	60,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	688
Supplementary Card (RM):	188
FEE WAIVER New Principal Card Holder:	Percuma Seumur hidup Tanpa Syarat

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan A – 4.99% setahun untuk 6 bulan (pindahan minimum RM1,000) Pelan B – 8.99% setahun untuk 12 bulan (pindahan minimum RM1,000) Pelan C– 8.99% setahun untuk 24 bulan (pindahan minimum RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	3,6, 12, 18, 24 & 36 bulan
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants
DINING Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza antara saudagar Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	03-2178 6600/ 1300 80 8080
Website:	ambankgroup.com

Banking Institution:	AmBank (M) Berhad
Card Name:	Al-Taslif Gold Card-i
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	75
FEE WAIVER New Principal Card Holder:	Free-For-Life for Principal and first 3 Suplementary Cards

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A: 6 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 4.99% p.a. Plan B: 12 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a. Plan C: 24 months - min transfer amount of RM5K - RM10K at one-time upfront interest of 8.99% p.a.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 50
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	varies from different merchants
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	varies from different merchants Merchants
DINING Discount Range / No. of Merchants:	varies from different merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	varies from different merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	varies from different merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	1300 80 8888 (Domestic)/ +603-2178 8888 (International)
Website:	amislamicbank.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AL-TASLIF CARD-i (Gold)
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	150
Supplementary Card (RM):	75
FEE WAIVER New Principal Card Holder:	2 tahun yuran dikecualikan

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	- Pelan A: 4.99% setahun untuk 6 bulan (pindahan minimum RM1,000) - Pelan B: 8.99% setahun untuk 12 bulan (pindahan minimum RM1,000) - Pelan C: 8.99% setahun untuk 24 bulan (pindahan minimum RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 50
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	available tenure 3, 6, 12, 24 & 36 months
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	varies from different merchants Merchants
DINING Discount Range / No. of Merchants:	varies from different merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	varies from different merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	varies from different merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	1300 80 8888/ 03 - 2178 8888
Website:	amislamicbank.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AmIslamic Bank Al-Taslif Platinum Card-i
Minimum Income (RM):	60,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	688
Supplementary Card (RM):	188
FEE WAIVER New Principal Card Holder:	Free For Life with no conditions

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Plan A: 4.99% for 6 months (min transfer of RM1,000). Plan B: 8.99% for 12 months (min transfer of RM1,000). Plan C: 8.99% for 24 months (min transfer of RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	available tenure: 3,6,12, 24 & 36 months
INSTALMENT PLAN Number of Participating Merchants:	200
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	varies from different merchants Merchants
DINING Discount Range / No. of Merchants:	varies from different merchants Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	varies from different merchants Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	varies from different merchants Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	0

Contact Details
Contact No:	03 - 2178 6600/ 1300 80 8080
Website:	amislamicbank.com.my

Banking Institution:	AmBank (M) Berhad
Card Name:	AmIslamic Bank Al-Taslif Platinum Card-i
Minimum Income (RM):	60,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	688
Supplementary Card (RM):	188
FEE WAIVER New Principal Card Holder:	Percuma Seumur hidup tanpa syarat

Finance Charges
Purchases (% p.a.):	15-18
Cash Advance (% p.a.):	18.00
Balance Transfer:	Pelan A: 4.99% setahun untuk 6 bulan (pindahan minimum RM1,000) Pelan B: 8.99% setahun untuk 12 bulan (pindahan minimum RM1,000) Pelan C: 8.99% setahun untuk 24 bulan (pindahan minimum RM5,000)

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 50 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 10 100
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	25

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	-
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	sehingga RM500,000 apabila anda caj pembelian tiket penerbangan
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Pelan tersedia: 3,6,12,18,24 & 36 months
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	1:1
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants
DINING Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	Berbeza bagi setiap pedagang Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03 - 2178 6600 (Domestik)/ 1300 80 8080 (International)
Website:	amislamicbank.com.my

Banking Institution:	CIMB Bank Berhad
Card Name:	CIMB Enrich
Minimum Income (RM):	50,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	168
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Principal Card : First Year Annual Fee Waived

Finance Charges
Purchases (% p.a.):	13.5-17.5
Cash Advance (% p.a.):	5.00
Balance Transfer:	Balance Transfer is applicable for new and existing cardmembers.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	up to RM500,000
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Flexi-Pay : 10 months zero interestfor education, insurance & hospitalisation. Zero (0%) Instalment Plan with selected merchants.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM 4 to 1 Enrich Mile
GIFT REDEMPTION Expiry period of points (years):	expiry as per MAS Enrich Programme
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24 hours

Contact Details
Contact No:	03-62047373
Website:	www.cimbbank.com.my

Banking Institution:	CIMB Bank Berhad
Card Name:	CIMB Enrich
Minimum Income (RM):	100,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	388
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Principal Card : First Year Annual Fee Waived

Finance Charges
Purchases (% p.a.):	13.5-17.5
Cash Advance (% p.a.):	5.00
Balance Transfer:	Balance Transfer is applicable to new and existing cardmembers.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Up to RM1,000,000
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Flexi-Pay : 10 months zero interestfor education, insurance & hospitalisation. Zero (0%) Instalment Plan with selected merchants.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM 4 to 1 Enrich Mile
GIFT REDEMPTION Expiry period of points (years):	expiry as per MAS Enrich Programme
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24 hours

Contact Details
Contact No:	03-62047373
Website:	www.cimbbank.com.my

Banking Institution:	CIMB Bank Berhad
Card Name:	CIMB Enrich World
Minimum Income (RM):	0
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	888
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Principal card : First Year Annual Fee Waived

Finance Charges
Purchases (% p.a.):	13.5-17.5
Cash Advance (% p.a.):	5.00
Balance Transfer:	Balance Transfer is applicable for new and existing cardmembers.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	Up to RM1,000,000
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Flexi-Pay : 10 months zero interestfor education, insurance & hospitalisation. Zero (0%) Instalment Plan with selected merchants.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM 4 to 1 Enrich Mile
GIFT REDEMPTION Expiry period of points (years):	expiry as per MAS Enrich Programme
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	- Merchants
DINING Discount Range / No. of Merchants:	- Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	- Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	- Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24

Contact Details
Contact No:	03-62047282
Website:	www.cimbbank.com.my

Banking Institution:	CIMB Bank Berhad
Card Name:	CIMB WORLD MASTERCARD
Minimum Income (RM):	200,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	Waived for life
Supplementary Card (RM):	-
FEE WAIVER New Principal Card Holder:	Principal & Supplementary Card : Waived for life

Finance Charges
Purchases (% p.a.):	13.5-17.5
Cash Advance (% p.a.):	5.00
Balance Transfer:	Balance Transfer is applicable for new and existing cardmembers.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	10

Free Insurance Protection
Personal Accident for Cardholder (RM/cover limit):	up to RM1,000,000
ON MERCHANDISE PURCHASE Acidental Loss/Damage (RM/cover limit):	-
ON AIR TICKET PURCHASE Travel Accident Coverage (RM/cover limit):	-
Other Travel Related Insurance (RM/cover limit):	-

Card Payment
Minimum Interest Free Period (Days): (for purchases only)	20
MONTHLY PAYMENT: Minimum Monthly Payment (% of outstanding balance)	5.00
MONTHLY PAYMENT: Minimum Monthly Payment (RM)	50.00
INSTALMENT PLAN Zero % Instalment Plan:	Smart Flexi-Pay : 10 months zero interestfor education, insurance & hospitalisation. Zero (0%) Instalment Plan with selected merchants.
INSTALMENT PLAN Number of Participating Merchants:	0
INSTALMENT PLAN Minimum Purchase (RM):	-

Reward Programme
GIFT REDEMPTION How to collect points (RM : Points):	RM 1 to 1 Bonus Point
GIFT REDEMPTION Expiry period of points (years):	3
CASH BACK REBATE Cash Back Rebate:	-

Discount Privileges
SHOPPING Discount Range / No. of Merchants:	10%-50% Merchants
DINING Discount Range / No. of Merchants:	10%-50% Merchants
ENTERTAINMENT Discount Range / No. of Merchants:	10%-50% Merchants
HEALTH AND BEAUTY Discount Range / No. of Merchants:	10%-50% Merchants

Introductory Offers
Introductory Offers (other than fee waiver):	-

Touch 'n Go Facility
Touch ‘n Go Facility:	No

Customer Service
Time needed to replace lost card:	-
Bill Payment Facilities:	No
Call Centre: (hours)	24 hours

Contact Details
Contact No:	03-62047373
Website:	www.cimbbank.com.my

Banking Institution:	CIMB Bank Berhad
Card Name:	CIMB Bank
Minimum Income (RM):	24,000
Joining Fee (RM):	-

Annual Fee
Principal Card (RM):	Waived for life
Supplementary Card (RM):	35
FEE WAIVER New Principal Card Holder:	Supplementary Card : Waived for 1st year.

Finance Charges
Purchases (% p.a.):	13.5 - 17.5
Cash Advance (% p.a.):	5.00
Balance Transfer:	Balance Transfer is applicable for new and existing cardmembers.

Other Charges
CASH ADVANCE FEE Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	5 15 -
LATE PAYMENT Rate (%): (or) Minimum (RM): (whichever is higher) Maximum (RM):	1 5 50
Administrative Charges On Overseas Transaction (%):	1.00
Lost Card Replacement (RM):	1