Principle – RM 30 , Supplementary – RM 20

1st year Free, Subsequent year minimum 12 transaction/year

Free

RM 18,000

RM 1 = 1 Points Never expired

Principle - 12,500 points , Supplementary - 6,250 points

Principle – RM 50 , Supplementary – RM 35

Unknown

RM 18,000

RM 100 – RM 1,500 = 0.4%

Above RM 1,500 = 0.8%

No off-set, you must pay the Service Tax!

Principle – RM 68 , Supplementary – RM 20

Annual Fee Waiver (spend a minimum of RM5,000 or swipe 12 times within a 12-month period)

FREE

RM 18,000

RM 0 – RM 200 = 0.5%

RM 201 – RM 350 = 0.6%

RM 351 – RM 650 = 0.8%

RM 651 – RM 1,000 = 1.20%

Above RM 1,000 = 0% (yes, no rebate)

RM 1 = 1 point (Never expired)

Principle - 10,000 points , Supplementary - 5,000 points

Principle – RM 75 (2 years waived), Supplementary – FREE (1st 3 cards)

Unknown

RM 18,000

RM 1 = 1 point (valid for 3 years)

RM 1 = 2 points at selected merchants (valid for 3 years)

Principle - 10,000 points , Supplementary - 5,000 points

Principle – RM 60 , Supplementary – RM 30

Annual fee is waived subject to a minimum of 12 transactions per annum.

FREE

RM 18,000

N/A

Principle - Unknown , Supplementary - Unknown

Principle – FREE, Supplementary – FREE

Unknown

RM 18,000

Profit Rebate (‘Tabung Umrah’/Holiday) – Unknown %

You must pay the service tax!

Principle – RM 60, Supplementary – RM 30

Government workers enjoy 3 years waiver and subsequent year based on usage;

Non government workers enjoy 1 year waiver and subsequent year based on usage

RM 1,200 – RM 1,999 = Principle RM 45 ; Supplementary RM 22.50

RM 2,000 – RM 2,999 = Principle RM 30 ; Supplementary RM 15

RM 3,000 – RM 3,999 = Principle RM 15 ; Supplementary RM 7.50

Above RM 4,000 = FREE (both Principle and Supplementary)

Unknown

RM 18,000

RM 1 = 1 point

You must pay the service tax!

Principle – RM 60, Supplementary – RM 30

Government workers enjoy 3 years waiver and subsequent year based on usage;

Non government workers enjoy 1 year waiver and subsequent year based on usage

RM 1,200 – RM 1,999 = Principle RM 45 ; Supplementary RM 22.50

RM 2,000 – RM 2,999 = Principle RM 30 ; Supplementary RM 15

RM 3,000 – RM 3,999 = Principle RM 15 ; Supplementary RM 7.50

Above RM 4,000 = FREE (both Principle and Supplementary)

Unknown

RM 18,000

RM 1 = 1 point

You must pay the service tax!

Principle – RM 70, Supplementary – RM 35

Off-set by Principle – 14,000 points ; Supplementary – 7,000 points

FREE

RM 18,000

RM 1 = 1 point

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

Principle – Free for life without condition, Supplementary – RM 35 (1st year waiver)

FREE

RM 18,000

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

Principle – Free for life without condition, Supplementary – RM 35

Off-set annual fee = Supplementary – 7,000 points

FREE

RM 18,000

RM 1 = 1 point

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

Principle – RM 5 monthly (Free if swipe at least 2 times monthly), Supplementary – Free

Unknown

RM 18,000

RM 1 = 1 point (never expired)

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 90 or FREE Annual Fee up to 2 years (Just use your card 6 times within 60 days to enjoy a 2-year annual fee waiver OR 3 times within 60 days to enjoy a 1-year annual fee waiver), Supplementary – RM 60

Unknown

RM 18,000

RM 1 = 1 point (never expired)

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 70 (1st year free if use your card 3 times within 60 days.), Supplementary – FREE

Unknown

RM 18,000

RM 1 = 1 AA point (Carried forward balance less than RM 2,000)

RM 1 = 2 AA points (Carried forward balance above RM 2,000)

Principle – 13,000 points , Supplementary – 6,500 points

Principle – RM 75 , Supplementary – RM 50

Both are 1st year FREE, subsequent year subject to 12 times transaction/year

FREE

RM 18,000

RM 1 = 1 point

1% renewal bonus of total annual spending with condition of at least 36 times transaction per annum.

Swipe your cards for at least 36 times/year and you will get 1% rebate of your total annual spending, up to RM 50 (Principle) and RM 25 (Supplementary), meanwhile :

Principle – RM 5,000 annual spending with at least 36 times transactions , Supplementary – RM 2,500 annual spending with at least 36 times transactions

Principle – RM 80 , Supplementary – RM 40

FREE

RM 18,000

RM 1 = ? points

Principle – 7,000 points, Supplementary – 3,500 points (member before 2008)

Principle – 12,000 points, Supplementary – 6,000 points (member since 2008)

Principle – RM 80 (1st year waived), Supplementary – RM 40

FREE

RM 18,000

RM 1 = 1 point (valid for 3 years)

Principle – 9,500 points, Supplementary – 5,500 points

Principle – RM 160 (2 years waiver) , Supplementary – RM 100

Off-set by BonusLink point = Principle – 5,000 points , Supplementary – 1,500 points

FREE

RM 18,000

RM 1 = ? BonusLink points

Principle – 2,500 points, Supplementary – 1,250 points

Principle – RM 160 (2 years waiver) , Supplementary – RM 100

Off-set by BonusLink point = Principle – 5,000 points , Supplementary – 1,500 points

FREE

RM 18,000

RM 10 = 3 BonusLink points

Principle – 2,500 points, Supplementary – 1,250 points

Principle – RM 160 (2 years waiver) , Supplementary – RM 100

Off-set by BonusLink point = Principle – 5,000 points , Supplementary – 1,500 points

FREE

RM 18,000

RM 10 = 3 BonusLink points

Principle – 2,500 points, Supplementary – 1,250 points

Principle – RM 60 , Supplementary – RM 30

FREE

RM 30,000

RM 1 = 1 point

Principle – 10,000 points, Supplementary – 5,000 points

Principle – RM 88 , Supplementary – RM 48

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

FREE

RM 18,000

RM 1 = 1 point (valid for 3 years)

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 75 , Supplementary – RM 45

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

FREE

RM 18,000

Up to RM 3,000 = 0.3%

Up to RM 10,000 = 0.5%

Above RM 10,000 = 0.6%

You must pay the service tax.

Principle – RM 68 , Supplementary – RM 38

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

Free

RM 18,000

ING Insurance Transaction
2% rebate (up to RM 2,000/year)

You must pay the service tax.

Principle – RM 70 , Supplementary – RM 40

Free

RM 18,000

RM 1 = 1 point

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 70 , Supplementary – RM 40

Free

RM 18,000

RM 1 = 1 Air Miles Point (valid for 2 years)

20% of monthly total spending (only for transaction made on Weekdays), max RM 60/month.

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 100 , Supplementary – RM 50

Free

RM 18,000

RM 1 = 1 Point

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 68 , Supplementary – RM 20

Free

RM 18,000

2% rebate at Senheng and SenQ

0.5% rebate for other retail purchases

You must pay the service tax!

Principle – RM 90 , Supplementary – RM 50

RM 20 (waived)

RM 18,000

RM 1 = 1 point

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 90 , Supplementary – RM 50

RM 20 (waived)

RM 18,000

RM 1 = 1 point

Principle – 10,000 points , Supplementary – 5,000 points

Principle – RM 68 , Supplementary – RM 30

Both Free if swip 12 transaction/year with at least 1 transaction/month for 12 months each.

Free

RM 18,000

Unknown % rebate at participating SMART$ merchants.

RM 1 = 1 point

Principle – 10,000 points , Supplementary – 5,000 points