Welcome Gift: Get up to RM138 cashback

• 12X complimentary airport lounge access
• 12X complimentary limo service to KLIA with spend on airlines, hotels, and/or travel agency. (min. spend applies, limited redemptions)
• 10X UNIRM for overseas spend
• Up to 5X UNIRM for local dining spend (min. spend applies)

Welcome Gift: Get up to RM138 cashback

• Up to 12X UNIRM for overseas spend and 5X UNIRM for airline spend
• 8X complimentary access to Plaza Premium Lounge in 8 countries and territories
• Bonus 60,000 UNIRM upon annual fee payment
• Complimentary ride home from KLIA T1 (min. 3 retail overseas transactions & 2 rides per month)
• 2.4 air miles for every RM1 spent on Agoda in SGD, THB, VND and IDR currencies

Welcome Gift: Get up to RM138 cashback

• 10X UNIRM on fashion spend (capping conditions apply)
• 5X UNIRM on groceries & overseas spend or online spend in foreign currencies (capping conditions apply for groceries spend)
• LuxePay 0% EPP for fashion designer labels, health & beauty and overseas spend (min. spend applies)
• 6X complimentary access to Plaza Premium Lounge at KLIA T1 per calendar year

Welcome Gift: Get up to RM138 cashback

• 12X UNIRM on selected e-commerce spend (iTunes) and e-wallet reload (TnG, Boost and BigPay) (capping conditions apply)
• 6X complimentary access to Plaza Premium Lounge at KLIA T1 per calendar year
• 5X UNIRM for selected departmental stores, grocers/hypermarkets and overseas spend (capping conditions apply)
• Bonus: Get 125,000 UNIRM when you spend RM48,000 annually

Welcome Gift: Get up to RM138 cashback

• 1.2% cashback on overseas spend (no min. spend & no capping)
• 0.25% cashback on local spend (excluding petrol and government charges)
• 0.2% cashback on JomPAY and utility spend
• Up to RM1 million complimentary travel insurance coverage

Welcome Gift: Get up to RM138 cashback

• 1-for-1 Drinks at The Coffee Bean & Tea Leaf outlets every Monday to Friday (selected stores only)
• 10X UNIRM for every RM1 spent on streaming platforms (Netflix, Amazon Prime, HBO Max, YouTube Premium)
• 5X UNIRM for dining, grocery and entertainment spend (capping conditions apply)
• 3X UNIRM for recurring transactions and petrol spend (capping conditions apply to petrol spend)

Welcome Gift: Get up to RM138 cashback

• 10X UNIRM on fashion spend (capping conditions apply)
• 5X UNIRM on groceries spend (capping conditions apply)
• LuxePay 0% EPP for fashion designer labels, health & beauty and overseas spend (min. spend applies)

Welcome Gift: Get up to RM138 cashback

• Up to 10% cashback on petrol, selected groceries, dining and Grab spend (capping conditions apply)
• Unlimited 0.2% cashback on other retail spend

Welcome Gift: Get up to RM138 cashback

• 10% cashback on online spend (min. spend and capping conditions apply)
• 5% cashback on e-wallet top-ups (min. spend and capping conditions apply)
• 5X UNIRM on entertainment and dining
• 1X UNIRM on other retail purchases
• 0% EPP for transactions in foreign currencies and transactions on hotels, airlines, travel agencies, education and entertainment (min. spend applies)
• Monthly fee waiver upon 1X retail transaction per statement month

Welcome Gift: Get up to RM138 cashback

• 10% cashback on finance charges on purchases and cash advances every month when you pay at least the min. monthly amount due on time
• No capping on cashback earnings
• No late payment charges

Welcome Gift: Get up to RM138 cashback

• 10X UNIRM for Lazada spend and Lazada wallet top-ups (capping conditions apply)
• 5X UNIRM for online lifestyle & entertainment spend (Netflix, Spotify, Apple.com, Grab Food, foodpanda, Dominos etc.) (capping conditions apply)
• Up to 5X UNIRM for telco and insurance spend
• Bonus: Get 1,000 UNIRM when you spend RM1,500 per statement month