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- Annual FeeRM120 (Principal); RM60 (Supplementary)
- Balance TransferOne-time fee & monthly interest plans*
- Easy Payment Plan0% interest rate*
- Interest Rate15% p.a.
- Interest-free20 days
- Min. IncomeRM3,000/month
- Overview
Earn unlimited 8x Reward Points every time you spend online, groceries, pharmacies, essentials, dining and overseas.
- Rewards (Reward Points)
Earn up to 8x Reward Points every time you spend online, groceries, pharmacies, essentials, dining and overseas. Earn 1x Reward Points for other eligible retail spend.
- Balance Transfer
One-time fee plans and monthly interest plans* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/balance-transfer.html
- Flexible Payments
Convert your purchases as min RM500 into an affordable payment plan* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/flexi-payment-plan.html
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 15 Prompt Repayment 10 out of 12 months 17 Prompt Repayment of less than 10 out of 12 months 18 Interest rate on cash withdrawal 18
- Eligibility
Criteria Details Minimum Age 21 Maximum Age 65 Who Can Apply Anybody
- Features
Criteria Details Card Type Visa Platinum Interest Free Period (Days) 20
- Fee
Criteria Details Min Cash Withdrawal Fee 5% of the amount advanced or a minimum of RM20 per transaction, whichever is higher Annual Fee (RM) RM120 Min Late Payment RM10 or 1% of the total outstanding balance as at statement date whichever is higher, subject to a maximum of RM100
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Rewards Points Tiers
Applicability Points Per Ringgit Validity (Years) On overseas transactions 8 1 3 On online spend at Lazada, Shopee, Grab, Foodpanda, Touch & Go, MYEG, Spotify, Netflix, Apple Music (applicable to e-wallet reloads & food delivery spending too) 8 1 3 On groceries, pharmacies and essentials 8 1 3 On dining 8 1 3 On all other eligible retail spend 1 1 3
- Supplementary Card
Criteria Details Annual Fee (RM) RM60 Minimum Age (Years) 18