Credit Cards

RM90,000

5% of Current Balance* + 100% of any service tax and any other value added tax imposed (if any) + 100% of all monthly instalments due for any programmes/arrangements operated by the Bank  (if any) + any other unpaid minimum payment specified in the preceding month’s statement; or RM50 whichever is higher.

*Current Balance = Retail Transactions amount (if any) + Cash Advance amount (if any) + Payable Facility Charges and/or Ta’widh (compensation) and any other applicable fees and charges (if any).

The charges are:

(a) 1.25% per month or 15% per annum if you have promptly settled your minimum payment due for 12 consecutive months.

(b) 1.42% per month or 17% per annum if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle.

(c) 1.50% per month or 18% per annum if your payment record is not within either (a) or (b) above.

The conversion rate as determined by Mastercard International/VISA International plus an administrative cost of 1% plus any transaction fee charged by Mastercard or VISA.

Dynamic Currency Conversion (DCC) is a service offered by certain overseas merchants to provide a choice to pay in Ringgit Malaysia (including online purchases) for overseas purchase.

For retail transactions - 20 calendar days from the statement date, if you pay the balance in full and on time.

If you do not pay in full and on time, facility charges on retail transactions will be calculated from the posting date of the transaction.

The grace period is not applicable to balance transfer or cash advances.

Temporary Credit Limit Increase 

Upon cardholder request and subject to the Bank's discretion. For every approved request, the Bank will charge a yearly temporary credit limit increase (TCI) fee of RM24,000.

Note: - TCI will be capped at maximum 50% of the original credit limit. TCI charges is a yearly upfront fee upon approval payable on monthly basis. The Bank however, may at its absolute discretion grant rebate or waive all or part of the charges.

Full payment on previous statement balance: If Cardholders fully pay up their charges incurred on or before the 20 days grace period deadline every month, the Bank will not charge any PFC for that particular month (full rebate will be given). 

Partial or minimum payment on previous statement balance: The Bank may at its absolute discretion grant a rebate or waive all or part of the YFC. The rebate granted will be the difference between the YFC and the PFC. PFC will vary every month but the total sum of PFC each year shall not exceed YFC.