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Terms and conditions: Payments must be made with Hong Leong Bank Credit Cards issued in Malaysia. Promotion period is from 11 February 2020 – 31 December 2020. Offer is not applicable for gold items, silver items, loose stones, branded items, items with certificate and promotional items. 0% EPP over the tenure of 6 months or 12 months is applicable with a minimum spend of RM1,000 in a single transaction (excluding gold products). Offers cannot be exchanged for cash, cheque, or in kind and is not transferrable to any third party. Offers cannot be used in conjunction with any other discounts, privileges and promotions unless otherwise stated. Tomei reserves the right to change these terms and conditions at any time. Hong Leong Bank makes no representation or warranty for products and services offered by Tomei and shall not be liable or responsible for any changes, claims, loss and damages resulting from these offers. Picture shown is for illustration purposes only.