Legal Agreements




Joining Fee


Annual Fee

Waived unconditionally

Account Service Fee

RM2.50 per month for inactive account where there is no card transaction in a particular month

Waived until further notice

ATM Withdrawal Fee

Local: RM6.00 per transaction

Overseas: RM10.00 per transaction or 2% of withdrawal amount, whichever is higher

(NOTE: For overseas, only RM10.00 will be charged until further notice)

Currency Conversion Fee

(Applied when the purchase is effected in currencies other than Malaysian Ringgit)

1% + network charges

(NOTE: Only charges by the network will be applied until further notice)

Cross-Border Transaction Fee

(Applied when the purchase is through merchant acquired outside of Malaysia but charged in Malaysian Ringgit)

Waived until further notice

Replacement Card Fee

(Only applicable for Card replacement request made by Cardmember. Not applicable if due to defect of Chip or Card)

RM20.00 per Card

Cash Top-up Fee

RM1 + 2% of the reload value with the following caps:

  • i. RM2 per transaction for reload amount up to RM100; and

  • ii. RM5 per transaction for reload amount above RM100

Card Cancellation Fee


Card to Card transfer fees


Sales Draft Retrieval Fee


Reload/Top-up Charges (Reload charges are levied by our respective partners)


1. CREDIT CARDS – Rate levied by respective bank partners

2. DEBIT CARDS – Rate levied by respective bank partners

Remittance Fees

Malaysia - Total fees RM0.50

Indonesia - Total fees RM5.00

Singapore - Total fees RM5.00

India - Total fees RM5.00

Nepal - Total fees RM6.00

Bangladesh - Total fees RM6.00

The Philippines - Total fees RM8.00

Vietnam - Total fees RM10.00

Thailand - Total fees RM13.00

Australia - Total fees RM15.00

China - Total fees RM23.00

*Note: All Fees and Charges are subject to 0% GST Charge effective 1st June 2018 onwards.