Your points are as good as cash!

PAY WITH POINTS

1. Principal Credit Cardholders may use accumulated bonus points to redeem any Gift at any participating merchants daily until 10pm unless otherwise specified by the participating merchant.

2. The conversion rate is 500 bonus points = Ringgit Malaysia (RM) 1.00 and the Bank may change the conversion rate any time by giving the principal Credit Cardholders twenty-one (21) calendar days’ prior notice.

3. The conversion rate is applicable to Pay With Points participating merchants and cash back redemption.

4. The minimum number of points that can be redeemed is 500 bonus points or RM1.00 or multiples thereof.

5. A Gift can be redeemed in full using bonus points or partially with bonus points and the balance paid in Ringgit Malaysia (RM) by credit card. Payment of the balance value by credit card earns bonus points but redemption of Gifts using points does not earn bonus points.

6. Redemption and purchase transactions must be confirmed by the principal Credit Cardholders by signing on the credit card slip or any other slip provided by Merchants.