Truly Different
Now you have a credit card that functions exactly like a credit card, but without the burden of extras that you do not need.

Highlights & Features
• 0% interest on all purchases for first 3 months
• 12% interest rate with prompt payment
• Lower interest rate
• Balance Transfer Flexible Payment Plan
• QuickCash Flexible Payment Plan
• Easy Payment Plan
• E-Statement

Fees & Charges
Annual Fee:
• Principal Card: Free-for-Life (no conditions attached)
• Supplementary Card: Free-for-Life (no conditions attached)

Requirement
Minimum age
• Principal applicant must be at least 21 years of age
• Supplementary applicant must be at least 18 years of age 

Minimum annual income
• RM36,000 p.a.

Applicants with income of RM 24,000 to RM 36,000 per annum will subject to the following credit card guidelines
1. Cardholders are only allowed to hold card from 2 Banks
2. Credit Limit – Up to a maximum of 2 times the gross monthly income

Product Disclosure Sheet