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Up to 1% unlimited cash back
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No annual fee with 12 swipes p.a.
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Low cash advance interest at 10.8%p.a.
Up To 1% Unlimited Cash Back
· 0.6% unlimited cash back on insurance transactions
· Other retail transactions*
- 0.6% cash back on first RM5,000 spend (tier 1)
- 1% unlimited cash back on subsequent spend (tier 2)
* Retail Transactions (both local and international) EXCLUDING all Government and JomPAY related transactions, Cash Advances, Quasi Cash (betting and gaming related transactions), Call-For-Cash, Call-For-Cash Plus, Flexi Payment Plan, Balance Transfers, Finance Charges and Late Charges
Eligibility
- Aged 21 to 65 years old (Principal) | 18 years old (Supplementary)
- Minimum annual income of RM24k
Annual Fee Waiver For Life
A minimum of 12 retail transactions p.a. or RM8,000 retail spend p.a. entitles you to an automatic annual fee waiver.
Low cash advance fee 2%
Get instant access to cash at over 1.5 million Visa ATMs in 200 countries and territories. At a minimal fee of 2% of the amount advanced or a minimum of RM5 per transaction (whichever is higher), you will have no worries about running short on cash.
The Bank reserves the right to impose the standard rate of 5% per transaction or RM20 (subject to Government Tax, if applicable), whichever is higher, at its sole discretion.
Cash advance interest at just 10.8% p.a.
It makes better sense to use your Essential Credit Card for cash advances. One: you are entitled to a low rate of only 10.8% p.a. Two: You may draw cash up to 70% of your available card limit.
| Card Type | Principal | Supplementary |
|---|---|---|
| Annual Fee* (RM) |
Annual Fee* (RM) |
|
| Essential (Visa) |
100 | 50 |
| Fees and Charges Description |
Amount* (RM) |
|---|---|
| Sales draft retrieval (per copy) |
20 |
| Regeneration of PIN (per request) |
5 |
| Monthly statement request (per statement) |
5 |
*Subject to Government Tax, if applicable
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