Credit Card Application Form / Borang Permohonan Kad Kredit

Transcription

1 Credit Card Application Form / Borang Permohonan Kad Kredit Documents / Dokumen Age / Umur REQUIREMENTS / KElayakan 1/5 SMSA Branch Code Employee No. 3 A copy of NRIC (both sides) for Principal card / Supplementary card applicant (if any) / Salinan kad pengenalan (depan dan belakang) untuk pemohon Kad Utama / Kad Tambahan (jika ada) 3 Latest salary slips / EA Form / Form BE or B & income tax receipt / EPF Statement / Slip pendapatan terkini / borang EA / borang BE atau B & resit cukai pendapatan / Penyata EPF Principal Card / Kad Utama : 21 years old / 21 tahun Supplementary Card / Kad Tambahan : 18 years old / 18 tahun I WISH TO APPLY FOR THE FOLLOWING CARD (PLEASE 3) / SAYA INGIN MEMOHON KAD BERIKUT (SILA 3) : PREMIER CARD COLLECTION / Koleksi Kad Premier u Visa Infinite u WORLD MasterCard (RM150,000 min income p.a. / gaji tahunan minima) (RM100,000 min income p.a. / gaji tahunan minima) ENRICH MASTERCARD / ENRICH MASTERCARD u Enrich MasterCard (RM60,000 min income p.a. / pendapatan tahunan minima) SMART DRIVERS CARDS / KAD SMART DRIVERS u PETRONAS MasterCard (RM60,000 min income p.a. / pendapatan tahunan minima) CREDIT CARDS / KAD KREDIT u MasterCard (RM60,000 min income p.a. / pendapatan tahunan minima) u Gold MasterCard (RM24,000 min income p.a. / pendapatan tahunan minima) CASH REBATE CARD / KAD CASH REBATE u Cash Rebate MasterCard (RM60,000 min income p.a. / pendapatan tahunan minima) u Cash Rebate Gold MasterCard (RM24,000 min income p.a. / pendapatan tahunan minima) u Visa Signature (RM100,000 min income p.a. / gaji tahunan minima) u Enrich Gold MasterCard (RM24,000 min income p.a. / pendapatan tahunan minima) u PETRONAS Gold MasterCard (RM24,000 min income p.a. / pendapatan tahunan minima) u Visa (RM60,000 min income p.a. / pendapatan tahunan minima) u Visa Gold (RM24,000 min income p.a. / pendapatan tahunan minima) COMPLIMENTARY Touch n Go Zing CARD / Pemberian Kad Touch n Go Zing (for PETRONAS MasterCard / PETRONAS Gold MasterCard & Cash Rebate MasterCard only / untuk PETRONAS MasterCard / PETRONAS Gold MasterCard & Cash Rebate MasterCard sahaja) Note : 1. Additional credit cards will share a combined credit limit. / Nota : Kad kredit tambahan akan berkongsi had kredit. 2. *Optional field / Jika perlu. Touch n Go Zing AUTOMATIC RELOAD AMOUNT / JUMLAH TAMBAH NILAI AUTOMATIK Touch n Go Zing Touch n Go Zing Card / Kad Touch n Go Zing (Touch n Go card linked to Bank Credit Card / Kad Touch n Go yang dihubungkan dengan Kad Kredit Bank) u I would like to apply for Touch n Go Zing Card with the following automatic reload amount / Saya ingin memohon untuk Kad Touch n Go Zing dengan jumlah tambah nilai automatik berikut : Principal Card / Kad Utama : u RM100 u RM200 u RM300 Supplementary Card / Kad Tambahan : u RM100 u RM200 u RM300 Note: If the auto reload amount is not specified, Bank will automatically set the default reload amount to RM100. Nota: Sekiranya tambah nilai automatik tidak ditetapkan, Bank akan menetapkan RM100 sebagai nilai tambah asas secara automatik. MY PERSONAL DETAILS / BUTIR-BUTIR PERIBADI SAYA u Mr / Encik u Miss / Cik u Madam / Puan u Dr / Dr u Others / Lain-lain Full Name As In NRIC / Nama Penuh Mengikut Kad Pengenalan : Name To Appear On Card (Not More Than 19 Letters) Nama Untuk Dicetak Pada Kad (Tidak Melebihi 19 Huruf) : Date Of Birth (DD/MM/YYYY) / Tarikh Lahir (HR/BLN/THN) : / / Old I/C No. / No. K/P Lama : Nationality / Kewarganegaraan : New I/C No. / No. K/P Baru : u MyKad u MyTentera u MyPolis u Passport Marital Status / Status Perkahwinan : u Single / Bujang u Married / Berkahwin u Widowed / Balu u Divorced / Bercerai Sex / Jantina : u Male / Lelaki u Female / Perempuan Number Of Dependents / Bilangan Tanggungan : M A L A Y S I A N Highest Education Level / Tahap Pendidikan Tertinggi : u Primary / Rendah u Secondary / Menengah u College / Kolej u University / Universiti u Others / Lain-lain MY HOME ADDRESS / ALAMAT RUMAH SAYA Residential Address / Alamat Kediaman : Postcode / Poskod : Residence Is / Kediaman Adalah : u Owned - No Loan / Milik Sendiri - Tanpa Pinjaman u Owned - With Loan / Milik Sendiri - Dengan Pinjaman u Rented / Sewa u Employer s / Milik Majikan u Parents / Relatives / Milik Ibubapa / Saudara-Mara *Years There / Tempoh Menetap : Mobile Tel / Tel Bimbit : (Mandatory for Transaction Alert Services / Amaran untuk transaksi diwajibkan) *Alternate Tel / Tel Alternatif : / E-mel : (Compulsory / Wajib) MY PERSONAL SECURITY VERIFICATION PENGESAHAN KESELAMATAN PERIBADI SAYA Mother s Maiden Name / Nama Ibu :

2 2/5 MY EMPLOYMENT DETAILS / BUTIRAN PEKERJAAN SAYA Name Of Company / Nama Syarikat : Nature Of Business / Jenis Perniagaan : MY SPOUSE DETAILS / MAKLUMAT PASANGAN SAYA Full Name As In NRIC / Passport / Nama Penuh Mengikut Kad Pengenalan / Paspot : Office Tel / Tel Pejabat : Mobile Tel / Tel Bimbit : Address / Alamat : MY EMERGENCY CONTACT (NOT LIVING WITH ME) Hubungan kecemasan Saya (Tidak tinggal Dengan Saya) Name / Nama : u Salaried Employee / Pekerja Bergaji u Self-Employed / Perniagaan Milik Sendiri MY FINANCIAL PARTICULARS / MAKLUMAT KEWANGAN SAYA Annual Income or salary / Pendapatan an : R M My total monthly instalments with non-banks (if any) / Jumlah ansuran bulanan saya dengan selain bank (jika ada) R M MY ENRICH CARD DETAILS / MAKLUMAT KAD ENRICH SAYA Please provide a copy of your Enrich Card (for Enrich Credit Card application ONLY) / Sila sertakan satu salinan Kad Enrich anda (untuk permohonan Kad Kredit Enrich sahaja). My Enrich Card No. / No. Kad Enrich Saya : M H u I do not have a n Enrich Card, please enrol me as a new Enrich member. / Saya tidak memiliki Kad Enrich, sila daftarkan saya sebagai ahli baru Enrich. MY BILLING DELIVERY INSTRUCTION ARAHAN KIRIMAN PENYATA SAYA Postcode / Poskod : *Years There / Tempoh Dalam Perkhidmatan / Perniagaan : Position / Jawatan : Office Tel / Tel Pejabat : Please send my/our Statement(s) for the credit card(s) selected above and all my/our other credit cards that I/we have with the Bank to my/our / Sila hantar Penyata saya/kami untuk kad-kad kredit di atas dan semua kad kredit lain yang dipunyai oleh saya/kami dengan Bank ke e-mel saya/kami : I/We agree to be bound by Bank/ Islamic Bank Terms & Conditions for Statement Delivery available at Bank/ Islamic Bank website cb.cimbislamic.com.my in respect of all my/our credit card statements requested to be sent to me/ us by . / Saya/Kami bersetuju untuk terikat dengan Terma-terma & Syarat-syarat Bank/ Islamic bagi Penghantaran Penyata E-mel yang boleh didapati di laman web Bank/ Islamic Bank /cb.cimbislamic.com.my untuk semua Penyata kad kredit yang telah dipohon untuk dihantar kepada saya/kami secara e-mel. u I/We do not wish to receive my/our Statement by Statement Delivery. I/We wish to view/receive my/our Statement(s) by / Saya/kami tidak ingin menerima Penyata saya/kami secara Penghantaran Penyata Emel. Saya/ kami ingin melihat/menerima Penyata saya/kami di : u Clicks Internet Banking / Perbankan Internet Clicks (I/We have a Clicks Internet Banking account ( CLICKS ) and wish to view all my/our Bank / Islamic Bank credit card Statement(s) via CLICKS subject to the Terms and Conditions for Credit Card e-statement accessed via clicks published on Bank s / Islamic Bank s website. I/we agree that I/we will not receive hardcopy Statements nor will I/we receive Statement(s) via .) / (Saya/kami mempunyai akaun Perbankan Internet Clicks ( CLICKS ) dan ingin melihat semua Penyata saya/kami melalui CLICKS tertakluk kepada Terma-terma dan Syarat-syarat untuk Kad Kredit Penyata-e diakses melalui Clicks di laman web Bank/ Islamic Bank). Saya/ kami bersetuju bahawa saya/kami tidak akan menerima Penyata bercetak dan saya/kami juga tidak akan menerima Penyata saya/kami melalui E-mel.) u Home Address / Alamat Rumah u Office Address / Alamat Pejabat MY CARD DELIVERY INSTRUCTIONS / ARAHAN KIRIMAN KAD SAYA Please Send My Card To / Sila Hantar Kad Saya Ke : u Home / Rumah u Office / Pejabat Relationship To Principal Cardmember / Applicant / Pertalian Dengan Pemegang / Pemohon Kad Utama : Contact No. / Talian untuk Dihubungi : ACCESS TO ATM AND CLICKS INTERNET BANKING AKSES KE ATM DAN PERBANKAN INTERNET CLICKS u Yes, I wish to apply for a credit card PIN to access the ATM and Clicks / Ya, Saya ingin memohon PIN kad kredit untuk akses ke ATM dan Clicks. MY SUPPLEMENTARY CARD DETAILS BUTIR-BUTIR KAD TAMBAHAN SAYA u Mr / Encik u Miss / Cik u Madam / Puan u Dr / Dr u Others / Lain-lain Full Name As In NRIC / Nama Penuh Mengikut Kad Pengenalan : Name To Appear On Card (Not More Than 19 Letters) Nama Untuk Dicetak Pada Kad (Tidak Melebihi 19 Huruf) : Date Of Birth (DD/MM/YYYY) / Tarikh Lahir (HR/BLN/THN) : / / Nationality / Kewarganegaraan : Old I/C No. / No. K/P Lama : M A L A Y S I A N New I/C No. / No. K/P Baru : u MyKad u MyTentera u MyPolis u Passport Sex / Jantina : u Male / Lelaki u Female / Perempuan Mobile Tel / Tel Bimbit : (Mandatory for Transaction Alert Services / Amaran untuk transaksi diwajibkan) *Alternate Tel / Tel Alternatif : / E-mel : Relationship To Principal Cardmember / Applicant / Pertalian Dengan Pemegang / Pemohon Kad Utama : Mother s Maiden Name (For Verification Purposes) / Nama Ibu (Untuk Tujuan Pengesahan) : u Yes, I would like to nominate a credit limit for this supplementary application of / Ya, saya ingin menetapkan had kredit untuk permohonan tambahan ini pada : R M Note / Nota : The total combined credit limits cannot exceed the principal cardmember s current approved credit limit. If no nomination is made specifically, the supplementary card will share the principal credit limit / Jumlah gabungan had kredit tidak boleh melebihi had kredit yang ditetapkan untuk pemegang kad utama. Jika had kredit tidak ditetapkan, kad tambahan tersebut akan berkongsi had kredit pemegang kad utama. Transaction Alert Services / Servis Amaran Transaksi Alert me if transaction exceeds / Hubungi saya jikalau transaksi melebihi (The Bank s default value applies if left blank / Jikalau tidak ditanda, had akan mengikuti kadar yang telah ditetapkan oleh pihak Bank) u RM1,000 u RM2,000 u RM3,000 u RM5,000 u I wish to unsubscribe from Transaction Alert Services / Saya ingin menolak langganan ini (By checking this box you will stop receiving any Transaction Alerts for your Bank credit card / Dengan menolak langganan ini anda tidak akan menerima sebarang Amaran untuk Transaksi kad kredit Bank anda)

3 3/5 Touch n Go Visa / Touch n Go Zing CARD DECLARATION SECTION / BAHAGIAN AKUAN Touch n Go Visa / KAD Touch n Go Zing In addition to the declaration where I have confirmed that any credit card issued to me shall be subject to the Bank s Cardmember Agreement, I also agree to abide by the terms and conditions of the Touch n Go Zing Card (hereinafter collectively referred to as the Card ) and any other terms and conditions imposed by Touch n Go Sdn. Bhd. (hereinafter referred to as TNGSB ) and/or the Bank from time to time in respect of the use of the Touch n Go features of the Card. I am aware the Card has an automatic reload amount of RM100, RM200 or RM300 and that the automatic reload fee of RM1.50, RM2.00 or RM3.00 respectively is payable. Where the Card is a Touch n Go Visa, the automatic reload fee is waived. I confirm and irrevocably authorize the Bank to debit my Bank/ Islamic Bank Credit Card account, as the case may be, for each reload and automatic reload fee (where chargeable) whenever the account balance drops to RM50 and below. In the event that I cancel my Card and my Card has an account balance at the point of cancellation, such balance will be refunded, upon request, to my Bank/ Islamic Bank Credit Card account and the processing fee of RM5 will be debited from my Bank/ Islamic Credit Card Account for such refund. In the event that my Card does not have any account balance when I cancel my Card, no processing fee will be charged. A RM10 fee is also chargeable for new Card replacements. By signing and/or using the Card I agree to be bound by the terms and conditions imposed by the Card and other variations or amendments thereof. I understand that the Zing Card remains the property of TNGSB, as the case may be, upon request. Sebagai tambahan kepada deklarasi di mana saya telah mengesahkan bahawa apa-apa kad kredit yang dikeluarkan kepada saya akan tertakluk kepada Perjanjian Ahli Kad Bank/ Islamic Bank, saya juga bersetuju untuk tertakluk kepada segala terma-terma dan syarat-syarat yang telah ditetapkan oleh Kad Touch n Go Visa / Kad Touch n Go Zing (kemudian dari ini secara kolektif dirujuk sebagai Kad ) serta lain-lain terma dan syarat yang telah ditetapkan oleh Touch n Go Sdn. Bhd (kemudian dari ini dirujuk sebagai TNGSB ) dan/atau Bank/ Islamic Bank (kemudian dari ini dirujuk sebagai Bank ) dari masa ke semasa di atas kegunaan ciri-ciri Touch n Go dalam Kad. Saya menyedari bahawa Kad ini mempunyai penambahan automatik bernilai RM100, RM200 atau RM300 dan yuran nilai tambahan automatik adalah sebanyak RM1.50, RM2.00 atau RM3.00 masing-masing adalah kena dibayar untuk setiap penambahan. Sekiranya Kad adalah Kad Touch n Go Visa, yuran nilai tambahan automatik adalah diketepikan. Saya mengesahkan dan memberi kuasa mutlak kepada Bank untuk mendebitkan Akaun Kad Kredit Bank saya untuk setiap penambahan dan yuran penambahan automatik (dimana dicajkan) apabila baki akaun menurun sehingga RM50 dan di bawah RM50. Sekiranya saya membatalkan Kad saya dan Kad saya mempunyai baki akaun semasa pembatalan, baki akaun tersebut akan dibayar balik, atas permintaan, kepada akaun Kad Kredit Bank/ Islamic Bank saya dan yuran pemprosesan bayaran balik sebanyak RM5 akan didebitkan dari akaun Kad Kredit Bank/ Islamic Bank saya tersebut. Sekiranya Kad saya tidak mempunyai apa-apa baki akaun semasa pembatalan, tiada yuran pemprosesan akan dikenakan. Yuran RM10 juga akan dikenakan untuk mendapatkan kad gantian baru. Dengan menandatangani dan/atau menggunakan Kad ini, saya bersetuju untuk tertakluk kepada terma-terma dan syarat-syarat Kad ini termasuk apa-apa variasi atau pindaan kepada terma-terma dan syarat-syarat tersebut. Saya faham bahawa Kad Zing adalah milik TNGSB dan Touch n Go Visa adalah milik Bank dan mesti dikembalikan kepada TNGSB dan/atau Bank masing-masing apabila dikehendak. COMPLIMENTARY Touch n Go Zing CARD DECLARATION SECTION / BAHAGIAN AKUAN Pemberian Kad Touch n Go Zing COMPLIMENTARY Touch n Go Zing CARD / Pemberian Kad Touch n Go Zing (for PETRONAS MasterCard / PETRONAS Gold MasterCard & Cash Rebate MasterCard only) / untuk PETRONAS MasterCard/ PETRONAS Gold MasterCard & Cash Rebate MasterCard sahaja) (Touch n Go Card linked to Bank credit card / Kad Touch n Go yang dihubungkan dengan kad kredit Bank) I/We acknowledge that the complimentary Touch n Go Zing Card with the automatic reload amount of RM100 is issued to me/us. / Saya/Kami mengakui bahawa Kad Touch n Go Zing dengan tambah nilai automatik sebanyak RM100 dikeluarkan kepada saya/kami secara percuma. In addition to the declaration where I have confirmed that my credit card issued to me shall be subject to Bank/ Islamic Bank Cardmember Agreement, I also agree to abide by the terms and conditions of the Touch n Go Zing Card (hereinafter referred to as the Card ) and any other terms and conditions imposed by Touch n Go Sdn. Bhd. (hereinafter referred to as TNGSB ) and/or Bank / Islamic Bank (hereinafter referred to as the Bank ) from time to time in respect of the use of the Touch n Go features of the Card. I am aware that the Touch n Go Zing Card has an automatic reload amount of RM100 and that the automatic reload fee of RM1.50 is payable. I confirm and irrevocably authorize the Bank to debit my Bank / Islamic Bank Credit Card account for each reload and automatic reload fee (where chargeable) whenever the account balance drops to RM50 and below. In the event that I cancel my Card and my Card has an account balance at the point of cancellation, such balance will be refunded, upon request, to my Bank/ Islamic Bank Credit Card account and the processing fee of RM5 will be debited from my Bank/ Islamic Credit Card Account for such refund. In the event that my Card does not have any account balance when I cancel my Card, no processing fee will be charged. A RM10 fee is also chargeable for new Card replacements. By signing and/or using the Card I agree to be bound by the terms and conditions imposed by the Card and other variations or amendments thereof. I understand that the Touch n Go Zing Card remains the property of TNGSB and must be returned to TNGSB and/or the Bank, as the case may be, upon request. Sebagai tambahan kepada deklarasi di mana saya telah mengesahkan bahawa kad kredit yang dikeluarkan kepada saya akan tertakluk kepada Termaterma dan Syarat-syarat Pemegang Kad Bank/ Islamic Bank, saya juga bersetuju untuk tertakluk kepada terma-terma dan syarat-syarat Kad Touch n Go Zing (kemudian dari ini dirujuk sebagai Kad ) serta lain-lain terma dan syarat yang telah ditetapkan oleh Touch n Go Sdn. Bhd. (kemudian dari ini dirujuk sebagai TNGSB ) dan/atau Bank/ Islamic Bank (kemudian dari ini dirujuk sebagai Bank ) dari semasa ke semasa atas kegunaan ciri-ciri Touch n Go Kad tersebut. Saya menyedari bahawa Kad Touch n Go Zing ini mempunyai penambahan nilai automatik sebanyak RM100 dan yuran sebanyak RM1.50 dikenakan sebagai bayaran untuk setiap penambahan nilai automatik. Saya mengesahkan dan memberi kuasa mutlak kepada Bank untuk mendebitkan akaun Kad Kredit Bank/ Islamic Bank saya untuk setiap penambahan nilai dan untuk yuran penambahan automatik apabila baki akaun menurun sehingga RM50 dan ke bawah. Sekiranya saya membatalkan Kad saya dan Kad saya mempunyai baki akaun semasa pembatalan, baki akaun tersebut akan dibayar balik, atas permintaan, kepada akaun Kad Kredit Bank/ Islamic Bank saya dan yuran pemprosesan bayaran balik sebanyak RM5 akan didebitkan dari akaun Kad Kredit Bank/ Islamic Bank saya tersebut. Sekiranya Kad saya tidak mempunyai apa-apa baki akaun semasa pembatalan, tiada yuran pemprosesan akan dikenakan. Yuran sebanyak RM10 juga akan dikenakan untuk mendapatkan Kad gantian. Dengan menandatangani dan/atau menggunakan Kad ini, saya bersetuju untuk tertakluk kepada terma-terma dan syarat-syarat Kad ini termasuk apaapa variasi atau pindaan kepada terma-terma dan syarat-syarat tersebut. Saya faham bahawa Kad Touch n Go Zing adalah milik TNGSB dan mesti dikembalikan kepada TNGSB dan/atau Bank, mengikut mana yang berkenaan, apabila dikehendaki. DECLARATION (BY PRINCIPAL CARDMEMBER) IN CONNECTION WITH BANK NEGARA GUIDELINES ON CREDIT TRANSACTIONS AND EXPOSURES WITH CONNECTED PARTIES / PERAKUAN (OLEH AHLI KAD Utama) BERHUBUNG DENGAN GARIS PANDUAN BANK NEGARA BAGI URUS NIAGA DAN PENDEDAHAN KREDIT DENGAN PIHAK BERKAITAN Please complete this declaration section if any of the below is applicable to you. (No declaration from you denotes that it is not applicable) / Sila lengkapkan perakuan di bawah sekiranya berkaitan. (Sekiranya tiada perakuan, bermakna ianya tidak berkaitan dengan anda) 1. u I am a staff of the Group¹ / Saya seorang kakitangan Kumpulan ¹ 2. u To the best of my knowledge, I have close relative(s)² employed under the Group or has acted as my guarantor / Pada pengetahuan saya, saya mempunyai saudara mara terdekat yang merupakan kakitangan Kumpulan atau merupakan penjamin saya² Particulars of my close relative(s) in Group / Maklumat saudara mara terdekat yang merupakan kakitangan Kumpulan :

4 4/5 Name / Nama I/C / Passport No. / No. K/P / Paspot Relationship / Pertalian Acted As Guarantor (Indicate Yes or No) / Penjamin (Sila nyatakan Ya atau Tidak) u Yes / Ya u No / Tidak 1 Group means Bank Berhad or Islamic Bank Berhad or Investment Bank Berhad or other subsidiaries or companies controlled by the aforesaid respective banking institutions / Kumpulan bermaksud Bank Berhad atau Islamic Bank Berhad atau Investment Bank Berhad atau lain-lain anak syarikat atau syarikat yang dikuasai oleh institusi-institusi perbankan yang tersebut. 2 Close relative(s) include parents / spouse of staff including the spouse s dependents / children / spouse of the children / brother and sister / spouse of brother / sister and any other dependents and persons who may influence / be influenced by the staff / Saudara-mara terdekat termasuk ibu bapa / suami / isteri kakitangan termasuk tanggungan / anak / suami atau isteri anak / adik-beradik dan suami atau isteri adik-beradik dan orang lain di bawah tanggungan dan orang yang mungkin mempengaruhi atau dipengaruhi oleh kakitangan. DECLARATION SECTION / BAHAGIAN AKUAN I/We hereby declare and certify that all the information given by me/us in this application is true, accurate and complete. Notwithstanding the generality of the foregoing, I/we confirm that Bank Berhad (the Bank ) is authorised to verify and/or make any checks and/or obtain any information and/or confirmation, with or from any credit reference agencies, and/or from any financial institution, on me/us and/or any other person, individual and/or entity as the Bank may deem fit, for any purposes which the Bank deems fit. I/We hereby request the Bank to issue, upon approval of this application, the credit card(s) which I/ we have indicated. I/We acknowledge that the use of the credit card(s) issued to me/us shall be subject to the Bank s Cardholder Terms and Conditions ( Cardmember Agreement ) which is available in Bank s website at and which will be sent to me/us with the credit card(s) upon the approval of this application, and I/we further agree to be bound by the terms and conditions set forth in the Cardmember Agreement upon issuance or use of the credit card(s). I, the Principal Applicant further agree to accept joint and several liability for all amounts incurred arising from the use of the principal and/ or supplementary credit card(s) issued pursuant to this application or at any time thereafter at my and/or the Supplementary Applicant s request. I/We further understand that the Bank shall not hold the Supplementary Applicant jointly and severally liable for the debts or amounts incurred by the Principal Applicant or other Supplementary Applicant(s). I/We, acknowledge that the Bank reserves the sole and absolute right to decline or reject my/our application(s) without assigning any reasons therefore. I/We also acknowledge that it is a requirement by Bank Negara Malaysia ( BNM ) that all information relating to this application, whether successful or otherwise, must be updated and/or transmitted to the Central Credit Reference Information System ( CCRIS ), a database maintained by BNM. Subject to the provisions below which (i) prohibit disclosure of information to companies within the group of the Bank as well as companies within the group of Group Holdings Berhad, the Bank s ultimate holding company (collectively Group Companies ) if objected to by me/us; and (ii) require my/our express consent for disclosure of information to third parties for the stated purposes, I/we hereby agree and authorise the Bank to disclose to any of its agents, service providers, auditors, legal counsel, professional advisors, security providers and guarantors in or outside Malaysia and to Group Companies, whether such Group Companies are residing, situated, carrying on business, incorporated or constituted within or outside Malaysia, any information relating to me/us, my/our affairs and/or any accounts maintained by me/us with the Bank for facilitating the business, operations, facilities and services of or granted or provided by the Bank and/or the Group Companies to their customers as the Bank deems fit or appropriate. Disclosure to Group Companies shall be for facilitating the operations, businesses, cross-selling and other purposes of the Bank and/or the Group Companies provided always that disclosure for cross selling purposes shall not be effected if such disclosure is objected by me/us by contacting the Bank at the following telephone number or address (which may be changed by the Bank from time to time by notice to me/us): 19th Floor, Menara Bumiputra Commerce, 11 Jalan Raja Laut, Kuala Lumpur, Tel No: I/We understand that the credit card(s) when issued shall at all times remain the property of the Bank and must be duly returned upon request by the Bank. I/We further agree to accept liability for all amount incurred arising from the use of my/our credit card(s) issued pursuant to this application or at any time thereafter at my/our request. I hereby consent to the release of my information herein contained to Malaysian Airline System Berhad [10601-W] ( Malaysia Airlines ) or any of its related corporations to enable Malaysia Airlines to enrol me as an Enrich Member under their Enrich Frequent Flyer Programme. I hereby acknowledge that Bank Berhad reserves the right not to issue me with the Enrich MasterCard for any reason whatsoever (including but not limited to Malaysia Airlines s refusal or inability to enrol me as an Enrich member). I/We hereby confirm having read, understood and retained a copy of the product disclosure sheet containing key information relating to my application for the credit card(s). Saya/Kami dengan ini mengakui dan mengesahkan bahawa semua maklumat yang diberikan oleh saya/kami dalam permohonan ini adalah benar, tepat dan lengkap. Walau apa pun di dalam ini, saya/kami dengan ini mengesahkan bahawa Bank Berhad ( Bank ) diberi kuasa untuk menentusahkan dan/atau menyemak dan/atau memperoleh sebarang maklumat dan/atau pengesahan dengan atau dari mana-mana agensi rujukan kredit dan/atau mana-mana institusi kewangan keatas saya/kami atau mana-mana pihak, individu dan/atau entiti yang pihak Bank menganggap sesuai bagi apa jua tujuan yang difikirkan sesuai oleh Bank. Selepas permohonan ini diluluskan, saya/kami dengan ini meminta pihak Bank mengeluarkan kad (kad-kad) kredit yang telah saya/kami nyatakan. Saya/ Kami mengakui bahawa penggunaan kad (kad-kad) kredit yang dikeluarkan kepada saya/kami adalah tertakluk kepada terma-terma dan syarat-syarat Bank ( Perjanjian Ahli Kad ), yang boleh didapati dalam web Bank di dan akan dihantar kepada saya/kami bersama kad (kad-kad) kredit selepas permohonan ini diluluskan, dan saya/kami selanjutnya bersetuju untuk mematuhi terma-terma dan syarat-syarat yang ditetapkan dalam Perjanjian Ahli Kad selepas kad (kad-kad) kredit dikeluarkan atau digunakan. Saya, Pemohon Utama selanjutnya bersetuju untuk menanggung liabiliti secara bersesama dan berasingan untuk semua jumlah yang ditanggung yang timbul daripada penggunaan kad (kad-kad) kredit utama atau tambahan yang dikeluarkan di bawah permohonan ini atau pada bila-bila masa selepas itu atas permintaan saya dan/atau Pemohon (Pemohon-Pemohon) Tambahan. Saya/Kami, selanjutnya difahamkan bahawa pihak Bank tidak akan mempertanggungjawabkan Pemohon Tambahan secara bersesama dan berasingan bagi hutang atau jumlah yang ditanggung oleh Pemohon Utama atau Pemohon (Pemohon-Pemohon) Tambahan lain. Saya/Kami mengakui bahawa pihak Bank mempunyai hak tunggal dan mutlak untuk tidak menerima atau menolak permohonan saya/kami tanpa memberikan sebarang sebab untuknya. Saya juga mengakui bahawa adalah menjadi syarat Bank Negara Malaysia ( BNM ) bahawa semua maklumat yang berkaitan dengan permohonan ini, sama ada berjaya atau tidak, mesti dikemaskinikan dan dihantar dan/atau dikemukakan kepada Sistem Maklumat Rujukan Kredit Pusat ( CCRIS ), sebuah pangkalan data yang dikendalikan oleh BNM. Tertakluk kepada peruntukan di bawah yang (i) melarang pendedahan maklumat kepada syarikat-syarikat dalam kumpulan Bank serta syarikat-syarikat dalam kumpulan Group Holdings Berhad, syarikat induk muktamad Bank (secara kolektif Kumpulan Syarikat ) jika dibantah oleh saya/kami; dan (ii) menghendaki kebenaran nyata daripada saya/kami bagi pendedahan maklumat kepada pihak ketiga bagi tujuan yang dinyatakan, saya/kami dengan ini bersetuju dan membenarkan Bank mendedahkan kepada mana-mana agennya, penyedia perkhidmatan, juruaudit, peguam, penasihat profesional, penyedia cagaran dan penjamin di dalam atau di luar Malaysia dan kepada Kumpulan Syarikat sama ada Kumpulan Syarikat tersebut menetap, terletak, menjalankan perniagaan, diperbadankan atau ditubuhkan di dalam atau di luar Malaysia, sebarang maklumat berkaitan dengan saya/kami, urusan saya/kami dan/atau mana-mana akaun yang dipegang oleh saya/kami dengan Bank untuk memudahkan perniagaan, operasi, kemudahan dan perkhidmatan oleh atau yang diberikan atau disediakan oleh Bank dan/atau Kumpulan Syarikat kepada pelanggan mereka, di mana Bank menganggap berpatutan atau bersesuaian. Pendedahan kepada Kumpulan Syarikat adalah untuk memudahkan operasi, perniagaan, penjualan silang dan tujuan lain di pihak Bank dan/atau Kumpulan Syarikat dengan syarat sentiasa bahawa pendedahan untuk tujuan penjualan silang tidak boleh dilaksanakan jika pendedahan sedemikian dibantah oleh saya/kami dengan menghubungi Bank di nombor telefon atau alamat berikut (yang boleh diubah oleh Bank dari semasa ke semasa melalui notis kepada saya/ kami): Tingkat 19, Menara Bumiputra Commerce, 11 Jalan Raja Laut, Kuala Lumpur, No. Tel:

5 Saya/Kami faham bahawa kad (kad-kad) kredit, apabila dikeluarkan adalah sentiasa menjadi milik Bank dan mesti dikembalikan apabila diminta oleh Bank. Saya/Kami bersetuju untuk menanggung segala jumlah perbelanjaan daripada penggunaan kad (atau kad-kad) kredit yang dikeluarkan melalui pemohonan ini ataupun diatas permintaan sendiri pada bila-bila masa kelak. Saya dengan ini membenarkan maklumat saya yang terkandung di dalam ini didedahkan kepada Malaysia Airline System Berhad [10601-W] ( Malaysia Airlines ) atau mana-mana syarikat yang berkaitannya untuk membolehkan Malaysia Airlines mendaftarkan saya sebagai Ahli Enrich di bawah Program Kesetiaan Enrich. Saya dengan ini memperakui bahawa Bank Berhad berhak untuk tidak mengeluarkan Enrich MasterCard kepada saya atas apa jua sebab (termasuk tetapi tidak terhad kepada keengganan atau ketidakupayaan Malaysia Airlines untuk mendaftarkan saya sebagai Ahli Enrich). Saya/Kami mengesahkan telah membaca, memahami dan mengekalkan salinan lembaran penerangan produk yang mengandungi maklumat penting berkenaan permohonan kad (kad-kad) kredit saya/kami. Where the Bank intends to share my/our information (excluding information relating to my/our affairs or account) with third parties for strategic alliances, marketing and promotional purposes, / Di mana Bank bercadang untuk berkongsi maklumat saya/kami (tidak termasuk maklumat berkaitan dengan urusan atau akaun saya/kami) dengan pihak ketiga bagi tujuan perikatan strategik, pemasaran dan promosi, 5/5 Please tick / Sila tandakan ( 3 ) (Compulsory / Wajib) u I/We hereby give my/our consent to the above disclosure to third parties. / Saya/Kami dengan ini memberikan kebenaran saya/ kami terhadap pendedahan di atas kepada pihak ketiga. u I/We do not consent to the giving of the above disclosure to third parties. / Saya/Kami tidak membenarkan pendedahan di atas dibuat kepada pihak ketiga. PRIVACY NOTICE ACKNOWLEDGEMENT / PENGAKUAN NOTIS PRIVASI Please tick / Sila tandakan ( 3 ) (Compulsory / Wajib) u I/We hereby acknowledge that I/we have accessed and/or read the Privacy Notice issued by Group (which is available at all branches as well as at the website at or or has otherwise been made available to me/us) and confirm my/our agreement to the same. / Saya / Kami dengan ini mengakui bahawa saya / kami telah mengakses dan / atau membaca Notis Privasi yang dikeluarkan oleh Kumpulan (yang boleh didapati di semua cawangan serta di laman web di atau yang juga tersedia ada kepada saya / kami ) dan mengesahkan persetujuan saya / kami untuk yang sama. Principal Card Applicant s Signature / Tandatangan Pemohon Kad Utama : Date / Tarikh : Supplementary Card Applicant s Signature / Tandatangan Pemohon Kad Tambahan : Date / Tarikh : Please fax or scan the completed application form (together with non-returnable documents) to the following: / Sila faks atau imbas borang permohonan yang lengkap (bersama dengan dokumen yang tidak akan dikembalikan) ke: Fax / Faks: or / atau / E-mel: cardsmktg@cimb.com For more information, log on to or call / Untuk maklumat lanjut, sila layari atau hubungi V

6 Declaration Form - Individual This form must be completed by an individual Please complete in BLOCK LETTERS Name : Nationality/Country of Birth : Residency/Alternate Nationality : Please check 3 Yes or No for each of the following questions: 1. Are you a U.S. Resident? (including a current work permit) 2. Are you a U.S. Citizen or a Citizen of a US Territory? 3. Do you hold a U.S. Permanent Resident Card (Green Card)? Yes / No u u u u u u If yes, Tax Number If yes, Tax Number If yes, Tax Number I/We hereby confirm the information provided and declarations below are true, accurate and complete. Subject to the applicable local laws, I/We hereby consent for, its parent or ultimate holding company or any of its licensed financial institution affiliates (including branches) (collectively as ) to share my information with domestic or overseas governmental, supervisory or regulatory authorities where necessary to establish my tax liability in any/or the relevant jurisdiction. Where required by domestic or overseas governmental, supervisory or regulatory authorities, I/We also understand and agree that may be required to obtain additional documents and/or forms, which I/ We will sign, if I/We am subject to the relevant jurisdiction s requirements. Where required by domestic or overseas governmental, supervisory or regulatory authorities, I/We understand and agree that may withhold, and pay out, from any of my/our account(s) such amounts as may be required according to applicable laws, regulations, directives, guidelines and/or agreements with and/or from domestic or overseas governmental, supervisory or regulatory authorities. I/We also agree and undertake to notify (within 30 calendar days), or provide the information if requested by, if there is a change in any information which I/We have provided to. Signature : Full Name Date [DDMMYYYY] Passport/ID No : (please include the 8 digit/letter US VISA, where applicable) Passport Expiry Date : [DDMMYYYY] (please include the passport expiry date, where applicable)

7 (Read this Product Disclosure Sheet before you decide to take up the Bank / Direct Access credit card. Be sure to also read the general terms and conditions.) Bank / Direct Access Credit Cards Date: 26 May What is this product about? This is a Bank / Direct Access credit card with a line of credit granted by us to you. If any amount of the credit utilised by you is not settled in full on / or before the due date, the unsettled amount will be subject to finance charges. If you are at least 21 years old but are unable to prove your annual income, you will need to place a fixed deposit with Bank of an amount equal to the credit limit granted to you. The fixed deposit must be kept with us for as long as the credit card facility is available to you. 2. What do I get from this product? Credit limit: To be determined at the sole discretion of the Bank. Finance charges: As indicated below (i) Retail Transaction: (a) 1.25% per month or 15% per annum if you have promptly settled your minimum payment due for 12 consecutive months (b) 1.42% per month or 17% per annum if you have promptly settled your minimum payment due for at least 10 months in a 12 month cycle (c) 1.50% per month or 18% per annum if your payment record is not within either (a) or (b) above To enjoy lower finance charges for retail transactions, you should make at least 10 prompt payments in the last 12 months. (ii) Cash Advance: Finance charge for cash transaction is 1.5% per month or 18% per annum. The daily cash withdrawal limit is equivalent to the Cardholder s prescribed credit limit (for Direct Access Credit Card) and eighty percent (80%) of the Cardholder s prescribed credit limit (for Credit Card) subject however to (i) the applicable daily withdrawal limit of any ATM of the Bank or of any other bank or institution with whom the Bank has an arrangement(s) for the use of the ATM of the said bank or institution in the case of cash withdrawal through an ATM; and (ii) the cash withdrawal at any one time not causing the aggregate outstanding balance of the Cardholder s obligation to the Bank to exceed the Cardholder s prescribed credit limit. 3. What are my obligations? Minimum monthly repayment: 5% of the outstanding balance or a minimum of RM50.00, whichever is higher. Finance charges free period: (a) For new retail transactions - you enjoy 20 days finance charges free period from the statement date, only if you pay the balance in full and on time. However if you do not pay in full and on time, finance charges on such retail transactions will be calculated from the posting day of the transaction. (b) There is no finance charges free period on balance transfers or cash advances. As the principal cardholder, you are liable to all transactions incurred by the supplementary cardholders. 4. Notice On Paying Only Minimum Monthly Repayment The following table illustrates the amount of interest incurred and the repayment period, under different outstanding amount scenarios if you continue to pay only the minimum amount. The computations are based on 5% minimum payment or RM50, whichever is higher, at a finance charge of 18% provided there are no new transactions. This calculation is based on 30 days a month. Examples under different outstanding amount scenarios Outstanding balance 3,000 5,000 10,000 Repayment Pay only min amt 150 Pay 250 Pay only min amt 250 Pay 350 Pay only min amt 500 Pay 650 Repayment Period (Month) Total Interest Incurred 1, , , , What are the fees and charges I have to pay? Premier Cards PETRONAS MasterCard / Touch n Go Visa Card Enrich Credit Cards Cash Rebate MasterCard Direct Access Annual Subscription Fee Principal Card: Card MasterCard / Visa Type WORLD Infinite Signature Supplementary Card: Card Type Principal Card: Card MasterCard / Visa Type Gold Supplementary Card: MasterCard / Visa Gold 2nd Year Onwards Principal Card: MasterCard / Visa WORLD Infinite Signature WORLD 70 Supplementary Card: Gold 2nd Year Onwards Annual Subscription Fee Principal Card: MasterCard Gold Classic 2nd Year Onwards Supplementary Card: MasterCard Gold Classic 2nd Year Onwards 2nd Year Onwards Principal Supplementary 2nd Year Onwards Principal Supplementary Visa Gold Classic Visa Gold Classic Gold WORLD Infinite Gold

8 Government Service Tax Cash Advance Fee RM50 - each Principal Card RM25 - each Supplementary Card The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance transaction Not Applicable Not Applicable RM10 for first replacement & RM50 for every subsequent replacement Balance Transfer Fee Over Limit Fee Card Replacement Fee Dishonoured Not Applicable Cheque Fee Sales Draft RM15 per copy Retrieval Fee Additional Statement RM5 per monthly statement Request Fee Other Fee & Charges Not Applicable Conversion The conversion rate as determined by For Overseas MasterCard International, Visa International or Transaction JCB International plus an administrative cost of 1% # plus any transaction fee charged by MasterCard / Visa / JCB International Touch n Go Zing Card Fees and Charges Bank / Enrich / Direct Access New Card Card Replacement Refund Processing Fees # Not applicable for Cash Rebate Gold MasterCard. RM10 RM10 RM5 Auto-Reload Fees Reload Amount RM100 RM200 RM300 Reload Fees RM1.50 RM2.00 RM What if I fail to fulfil my obligations? Late payment penalty charges: If you do not make the minimum payment by the due date, we will charge you 1% of the total outstanding balance as at the statement date or a minimum of RM10.00 whichever is higher, capped at a maximum of RM The Bank shall however grant the Cardmember a grace period of four (4) calendar days after the payment due date where the payment due dates fall on a weekend or a public holiday Right to set-off: We have the right to set-off any credit balance in your account maintained with us against any outstanding balance in this credit card account by giving you seven (7) calendar days prior notice in advance. Liability for unauthorised transactions: You will be liable for all unauthorised transactions used on the Card if you have acted fraudulently or failed to inform Bank as reasonably practicable after you have discovered that the Card is lost or stolen. However, your liability for unauthorised transactions as a consequence of the Card being lost or stolen is limited to RM for each Card provided you have not:- (i) acted fraudulently; or (ii) failed to inform Bank as reasonably practicable after you have discovered that the Card is lost or stolen Suspension or termination of card: If you default in your repayment or breach any of the terms and conditions of use of the Card, we may suspend or terminate your Card and may decide not to reinstate the Card even after you regularize your account. If you use your Card for any unauthorised purpose or in an unauthorised manner (eg. for on-line gambling purposes, illegal activities, allowing another person to use the card, etc) we may terminate your Card. Use of card and Personal Identification Number (PIN): You are under a strict duty to keep your card and PIN safe at all times and to prevent the loss, theft or fraudulent use of the Card and to prevent the disclosure of your PIN. You must report any loss and/or theft of the Card or PIN disclosure to Bank and to the police immediately followed by written confirmation to Bank together with a copy of the police report within seven (7) days from the date of the loss and/or theft and/ or disclosure of the PIN. You may be held liable for any unauthorised transactions should you fail to do so. Monthly statements: You must check your monthly statements thoroughly and immediately. Any discrepancy must be reported to the Bank immediately as failure to do so may cause you to lose your right to challenge the discrepancy. 7. What are the major risks? If you pay only the minimum amount due, it will take you longer and cost you more to settle the outstanding balance. Think about your repayment capacity when charging the credit card. The finance charges imposed on the outstanding balance for this credit card is based on a tiered pricing structure in accordance to your repayment history. If you use your credit card to make repayment for other financing, it may cost you more. If you have problems paying for your credit card balances, contact us in advance to discuss repayment alternatives. You should notify us immediately after having found that your credit card is lost or stolen. 8. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 9. Where can I get assistance and redress? If you have difficulties in making repayments, you should contact us earliest possible to discuss repayment alternatives. You may contact us at: Bank Card Centre Add : Level 2, Menara SBB, 83 Medan Setia 1, Plaza Damansara, Bukit Damansara, Kuala Lumpur. Tel : () or (Direct Access) Fax : / cardcentre@cimb.com Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counselling and debt restructuring for individuals. You may contact AKPK at: Add : Tingkat 8, Maju Junction Mall 1001, Jalan Sultan Ismail, Kuala Lumpur Tel : enquiry@akpk.org.my You may also join the Pengurusan Wang Ringgit Anda (POWER) Programme offered by AKPK that promotes financial discipline and prudent financial management. For further information or to register, please call AKPK at or visit the website at If you wish to complain on the products or services provided by us, you may also contact us at: * Bank Card Centre Add : Level 2, Menara SBB, 83 Medan Setia 1, Plaza Damansara, Bukit Damansara, Kuala Lumpur. Tel : () or (Direct Access) Fax : / cardcentre@cimb.com If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at : Add : Block D, Bank Negara Malaysia Jalan Dato Onn, Kuala Lumpur Tel : Fax : bnmtelelink@bnm.gov.my 10. Where can I get further information? Should you require additional information on credit cards, please refer to the banking info booklet on Credit Cards, available at all our Bank branches nationwide and the website or log on to If you have any enquiries, please contact us at Bank Card Centre s address as above*. 11. Other credit card products available: Please refer to Bank and Direct Access credit card table.** IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CREDIT CARD BALANCES. The information provided in this disclosure sheet is valid as at 26/5/14.

9 (Sila baca Lembaran Penerangan Produk ini sebelum anda membuat keputusan untuk mendapatkan kad kredit Bank / Direct Access. Pastikan anda juga membaca terma dan syarat umum) Kad Kredit Bank / Direct Access Tarikh: 26 Mei Produk ini berkaitan apa? Kad ini merupakan kad kredit Bank / Direct Access dengan kemudahan kredit yang kami berikan kepada anda. Sekiranya sebarang jumlah kredit yang anda gunakan tidak dijelaskan sepenuhnya pada / sebelum tarikh matang, jumlah yang tidak dijelaskan akan dikenakan caj kewangan. Jika anda berusia sekurang-kurangnya 21 tahun tetapi tidak dapat membuktikan pendapatan tahunan anda, anda perlu menyimpan wang dalam deposit tetap dengan Bank pada jumlah yang bersamaan had kredit yang diberikan kepada anda. Deposit tetap ini perlu dikekalkan selagi kemudahan kad kredit diberikan kepada anda. 2. Apakah faedah yang boleh saya nikmati dari produk ini? Had kredit: Keputusan tertakluk kepada budi bicara pihak bank. Caj Kewangan: Seperti yang dinyatakan di bawah. (i) Pembelian Runcit: (a) 1.25% sebulan atau 15% setahun jika anda telah menjelaskan bayaran minimum tepat pada masanya untuk tempoh 12 bulan berturut-turut. (b) 1.42% sebulan atau 17% setahun jika anda telah menjelaskan bayaran minimum tepat pada masanya untuk tempoh sekurang-kurangnya 10 bulan dalam kitaran 12 bulan. (c) 1.50% sebulan atau 18% setahun jika rekod pembayaran anda tidak termasuk dalam (a) atau (b) di atas. Untuk menikmati caj kewangan lebih rendah bagi urus niaga runcit, anda hendaklah membuat sekurang-kurangnya 10 bayaran tepat pada masanya dalam tempoh 12 bulan lepas. (ii) Pendahuluan Tunai: Caj kewangan bagi urus niaga tunai ialah 1.5% sebulan atau 18% setahun. Had pengeluaran tunai harian adalah setara dengan had kredit yang ditetapkan kepada Pemegang Kad (untuk Kad Kredit Direct Access) dan lapan puluh peratus (80%) dari had kredit yang ditetapkan kepada Pemegang Kad (untuk Kad Kredit ) tertakluk walau bagaimanapun kepada (i) had pengeluaran harian yang dikenakan oleh mana-mana Bank ATM atau mana-mana bank atau institusi lain di mana Bank mempunyai persetujuan untuk penggunaan ATM di bank atau institusi tersebut dalam kes pengeluaran tunai melalui ATM; dan (ii) pengeluaran tunai pada bila-bila suatu masa tanpa menyebabkan obligasi Pemegang Kad kepada Bank berkenaan agregat baki tertunggak melebihi had kredit Pemegang Kad yang telah ditetapkan. 3. Apakah tanggungjawab saya? Bayaran bulanan minimum: 5% daripada baki belum jelas, atau minimum RM50.00, yang mana lebih tinggi. Tempoh tanpa caj kewangan: (a) Bagi urus niaga runcit - anda menikmati tempoh tanpa caj kewangan sebanyak 20 hari jika anda membayar sepenuhnya dan tepat pada masanya. Sekiranya, anda tidak membayar sepenuhnya dan tepat pada masanya, caj kewangan bagi urus niaga runcit ini akan dikira dari tarikh catatan urus niaga itu. (b) Tiada tempoh tanpa caj kewangan bagi pindahan baki atau pendahuluan tunai. Sebagai pemegang kad utama, anda bertanggungjawab terhadap semua urus niaga yang ditanggung oleh pemegang kad tambahan. 4. Notis Sekiranya Pelanggan Membuat Bayaran Minimum Bulanan Sahaja Jadual di bawah menggambarkan jumlah faedah yang ditanggung dan tempoh pembayaran bagi senario baki belum jelas yang berbeza jika anda hanya membuat bayaran minimum secara berterusan. Pengiraan adalah berasaskan bayaran minimum 5% atau RM50, yang mana lebih tinggi, dengan caj kewangan 18% setahun bagi sesuatu tempoh selagi tiada transaksi baru. Kiraan ini berdasarkan tempoh 30 hari sebulan. Contoh bagi senario-senario baki belum jelas yang berbeza Baki Belum Jelas 3,000 5,000 10,000 Pembayaran Bayaran Min 150 Bayar 250 Bayaran Min 250 Bayar 350 Bayaran Min 500 Bayar 650 Tempoh Pembayaran (Bulan) Jumlah Faedah yang Dikenakan 1, , , , Apakah fi atau caj yang perlu saya bayar? Fi Langganan an Kad Premier PETRONAS MasterCard / Kad Touch n Go Visa Enrich Kad Kredit Cash Rebate MasterCard Kad Utama: Jenis MasterCard / Visa Kad WORLD Infinite Signature Kad Tambahan: Jenis MasterCard / Visa Kad WORLD Infinite Signature Kad Utama: Kad Tambahan: Pertama Kedua Berikut MasterCard / Visa Fi Langganan an Pertama Kedua Berikut Pertama Kedua Berikut Emas Direct Access WORLD Infinite Emas Kad Utama Kad Tambahan 70 Kad Utama: Jenis Kad MasterCard Emas Klasik Visa Emas Klasik Kad Tambahan: MasterCard Emas Klasik Pertama Kedua Berikut Visa Emas Klasik Kad Utama Kad Tambahan Pertama Kedua Berikut MasterCard / Visa Emas Kad Utama: WORLD Emas Pertama Kedua Berikut Kad Tambahan: Emas