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 & Supplementary – Unknown

1st year waived, subsequent year FRRR with at least RM 2,400 spending/year

Unknown

RM 24,000

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 148 , Supplementary – RM 30

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

FREE

RM 36,000

RM 0 – RM 300 = 0.55%

RM 301 – RM 600 = 0.65%

RM 601 – RM 950 = 0.85%

RM 951 – RM 3,000 = 1.30%

Above RM 3,000 = 0% (yes, no rebate)

RM 1 = 1 point (Never expired)

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

Principle – RM 438 , Supplementary – FREE

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

FREE

RM 80,000

RM 0 – RM 500 = 0.60%

RM 501 – RM 1,350 = 0.70%

RM 1,351 – RM 2,550 = 0.90%

RM 2,551 – RM 5,000 = 2%

Above RM 5,000 = 0% (yes, no rebate)

RM 1 = 1 point – Malaysia (Never expired)

RM 1 = 2 points – Oversea (Never expired)

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

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (swipe 12 times within a 12-month period)

RM 38

RM 18,000

1st 12 months for only 9% p.a.

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

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (swipe 12 times within a 12-month period)

RM 38

RM 18,000

RM 0 – RM 500 = 0.5%

RM 501 – RM 1,350 = 0.7%

RM 1,351 – RM 2,550 = 0.9%

RM 2,551 – RM 5,000 = 2%

Above RM 5,000 = 0% (yes, no rebate)

RM 1 = 1 point

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

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (swipe 12 times within a 12-month period)

RM 38

RM 18,000

RM 1 = 2 points

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

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (with condition must swipe at least 2 times within 30 days of approval)

FREE

RM 18,000

RM 1 = 1 points (Never expired)

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

Principle – RM 148 , Supplementary – RM 30

Annual Fee Waiver (spend RM5,000 p.a or just swipe 12
transactions p.a.)

FREE

RM 18,000

RM 1 = 1 points (Never expired)

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

Principle – RM 688 (Free Annual Fee with condition 12 transactions p.a. OR Card spend (retail/cash advance only) above RM12,000 p.a OR has a minimum monthly interest bearing outstanding balance of RM5,000.), Supplementary – RM 188

Unknown

RM 90,000

RM 1 = 1 point (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 – RM 130 , Supplementary – RM 60

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

FREE

RM 36,000

N/A

Principle - Unknown , Supplementary - Unknown

Principle – RM 388 , Supplementary – RM 150

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

FREE

RM 84,000

N/A

Principle - Unknown , Supplementary - Unknown

Principle – RM 60 (Free with minimum of 12 transactions per annum.), Supplementary – RM 30

FREE

RM 18,000

N/A

Principle - Unknown , Supplementary - Unknown

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 – RM 140, Supplementary – RM 70

Off-set by Principle – 28,000 points ; Supplementary – 14,000 points

FREE

RM 30,000

RM 1 = 1 point

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

Principle – RM 168 (1st year waived, subsequent year based on usage), Supplementary – Nil

Less than RM 25,000 = No waiver

RM 25,000 – RM 49,999 = 50%

Above RM 50,000 = 100% waive

FREE

RM 50,000

RM 6 = 1.5 Enrich point (Malaysia)

RM 4 = 2 Enrich points (Oversea)

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

Principle – RM 388 (1st year waived, subsequent year based on usage), Supplementary – Nil

Less than RM 50,000 = No waiver

RM 50,000 – RM 99,999 = 50%

Above RM 100,000 = 100% waive

FREE

RM 100,000

RM 6 = 1.5 Enrich point (Malaysia)

RM 4 = 2 Enrich points (Oversea)

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

Principle – RM 888 (1st year waived, subsequent year based on usage), Supplementary – Free for life without condition (up to 3 cards)

Less than RM 250,000 = No waiver

RM 250,000 – RM 500,000 = 50%

Above RM 500,000 = 100% waive

FREE

By invitation only

RM 6 = 1.5 Enrich point (Malaysia)

RM 4 = 2 Enrich points (Oversea)

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

Principle – RM 195 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 100

Unknown

RM 36,000

RM 1 = 1 point (never expired)

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

Principle – RM 600 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 150

Unknown

RM 100,000

RM 1 = 1 point (never expired)

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

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 180 (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 150 , Supplementary – RM 75

Both are 1st year FREE, subsequent year subject to 24 times transaction/year

FREE

RM 32,000

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 300 , Supplementary – RM 150

Both are 1st year FREE, subsequent year subject to 36 times transaction/year

FREE

RM 80,000

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 150 , Supplementary – RM 75

Both are 1st year FREE, subsequent year subject to 24 times transaction/year

FREE

RM 32,000

RM 1 = 1 MATTA 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 300 , Supplementary – RM 150

Both are 1st year FREE, subsequent year subject to 36 times transaction/year

FREE

RM 80,000

RM 1 = 1 MATTA 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 300 , Supplementary – RM 150

Both are 1st year FREE, subsequent year subject to 36 times transaction/year

FREE

RM 80,000

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 150 , Supplementary – RM 75

Both are 1st year FREE, subsequent year subject to 24 times transaction/year

FREE

RM 32,000

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 300 , Supplementary – RM 150

Both are 1st year FREE, subsequent year subject to 36 times transaction/year

FREE

RM 60,000

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 150 , Supplementary – RM 75

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

FREE

RM 32,000

RM 1 = 1 points

2% rebate on ING Life Annual Premium Transactions

0.5% rebate on all retail transactions

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 300 , Supplementary – RM 150

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

FREE

RM 80,000

RM 1 = 1 points

2% rebate on ING Life Annual Premium Transactions

0.5% rebate on all retail transactions

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 150 , Supplementary – RM 75

Both are 1st year FREE, subsequent year subject to 24 times transaction/year

FREE

RM 32,000

RM 1 = 1 points

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 300 , Supplementary – RM 150

Both are 1st year FREE, subsequent year subject to 36 times transaction/year

FREE

RM 80,000

RM 1 = 1 points

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 150 , Supplementary – RM 75

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

FREE

RM 32,000

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at Pacific

6% rebate when you spend above RM 1,500 at Pacific

0.5% rebate on all other transactions

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 300 , Supplementary – RM 150

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

FREE

RM 80,000

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at Pacific

6% rebate when you spend above RM 1,500 at Pacific

0.5% rebate on all other transactions

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 150 , Supplementary – RM 75

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

FREE

RM 32,000

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at The Store

6% rebate when you spend above RM 1,500 at The Store

0.5% rebate on all other transactions

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 300 , Supplementary – RM 150

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

FREE

RM 80,000

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at The Store

6% rebate when you spend above RM 1,500 at The Store

0.5% rebate on all other transactions

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 150/month , Supplementary – FREE

FREE if Average Total Relationship Balance more than RM 200,000

FREE

Unknown

Unknown

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 225 (2 years waiver) , Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points

FREE

RM 42,000

RM 1 = ? BonusLink points

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

Principle – RM 450 (2 years waiver) , Supplementary – RM 275

Off-set by BonusLink point = Principle – 15,000 points , Supplementary – 2,500 points

FREE

RM 80,000

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 225 (2 years waiver) , Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points

FREE

RM 36,000

RM 10 = 3 BonusLink points

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

Principle – RM 450 (2 years waiver) , Supplementary – RM 275

Off-set by BonusLink point = Principle – 15,000 points , Supplementary – 2,500 points

FREE

RM 60,000

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 225 (2 years waiver) , Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points

FREE

RM 36,000

RM 10 = 3 BonusLink points

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

Principle – RM 225 (1 year waiver, subsequent year 50% waiver), Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points (we assume 5,000 points due to 50% waiver) , Supplementary – 2,000 points.

FREE

RM 18,000

RM 10 = 3 BonusLink points

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

Principle – RM 225 (2 years waiver), Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points.

FREE

RM 42,000

1% SmartRinggit of purchases at Poh Kong

RM 10 = 3 BonusLink points

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

Principle – RM 250 (Waived if usage over RM 6,000/year) , Supplementary – RM 100

Unknown

RM 36,000

0.3% rebate

You must pay the service tax!

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 150 , Supplementary – RM 100

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

RM 100 (Waived)

RM 25,000

Up to RM 3,000 = 0.3%

Up to RM 10,000 = 0.5%

Up to RM 30,000 = 0.6%

Above RM 30,000 = 0.7%

You must pay the service tax.

Principle – RM 333 , Supplementary – RM 150

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

Free

RM 25,000

Up to RM 5,000 – RM 1 = 1 point

Up to RM 10,000 – RM 1 = 1.5 points

Up to RM 30,000 – RM 1 = 2 points

Up to RM 60,000 – RM 1 = 2.5 points

Up to RM 100,000 – RM 1 = 3 points

Above RM 100,000 – RM 1 = 5 points

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

Principle – RM 388 , Supplementary – RM 30

Both Free if spend at least RM 3,000 + swip 12 transaction/year with at least 1 transaction/month for 12 months each.

Free

RM 48,000

Unknown % rebate at participating SMART$ merchants.

RM 1 = 1 point (Malaysia)

RM 1 = 2 points (Oversea)

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

Principle – RM 388 , Supplementary – RM 30

Both Free if spend at least RM 3,000 + swip 12 transaction/year with at least 1 transaction/month for 12 months each.

Free

RM 70,000

Unknown % rebate at participating SMART$ merchants.

RM 1 = 1 point (Malaysia)

RM 1 = 2 points (Oversea)

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