Credit Card: Maybank Islamic American Express Ikhwan Gold Credit Card August 2012
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- Myron Pearson
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1 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to take out the Maybank Islamic American Express Ikhwan Gold Credit Card. Be sure to also read the general terms and conditions.) Credit Card: Maybank Islamic American Express Ikhwan Gold Credit Card August What is this product about? Maybank Islamic American Express Ikhwan Gold Credit Card is an Islamic card based on the Shariah principle of Bay Al Inah or sale with immediate repurchase. This principle governs the payment of the facility over a fixed period of time. 2. What do I get from this product? 5x TreatsPoints on all petrol spend 2x TreatsPoints on all other spend Non-compounding charges Lifetime fee waiver Express AutoPay Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Card 3. What are my obligations? Minimum monthly repayment: 5% of statement balance or RM 25, whichever is higher 4. What are the fees and charges I have to pay? Annual fee: Lifetime fee waiver Cash advance fee: Fixed fee of 5% of the amount withdraw or RM10, whichever is higher. Profit charges (Retail transaction) o o o Tier 1: 13.5% (for prompt repayment of 12/12 months) Tier 2: 16% (for prompt repayment of 10/12 months) Tier 3: 17.5% (for prompt repayment of less than 10/12 months) Profit charges (Cash advance) o 18% p.a. or 1.5% p.m. of cash advance amount calculated on a daily basis Card replacement fee: RM50
2 Returned cheque fee: N/A Overseas transaction conversion fee: Conversion factor of 2.5% to the converted amount. A charge that is made in foreign currencies other than U.S. Dollars will, when the conversion is done by American Express, be converted into U.S. Dollars before being converted into your billing currency Statement request fee: RM5 Service Tax: RM50 p.a. (for principal card), RM25 p.a. (each supplementary card) Legal fees: On solicitor and client basis plus other expenses incurred by Maybank in the enforcement of Maybank s right and entitlement under T&C. 5. What if I fail to fulfill my obligations? Late payment charges: 1% of the total outstanding balances as at the statement date or RM5 whichever is higher up to a maximum of RM50. Right to set-off any credit balance in your account maintained with us against any outstanding balance in this credit card account. Liability for unauthorized transactions Recovery litigation process 6. What are the major risks? By paying only minimum monthly repayment, the interest amount and time taken to settle the full amount will increase. 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 have problems paying for your credit card balances, contact us early to discuss repayment alternatives. You should notify us immediately after having found that your credit card is lost or stolen. 7. 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. To update your contact details, you may reach us via one of the following channels: i) Call-in to ii) amex.customercare@maybank.com.my iii) Write-in attention to: Head, Service Fulfillment,
3 Customer Engagement, 7 th Floor Menara Maybank, 100, Jalan Tun Perak iv) Fax: 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:- Telephone No : amex.customercare@maybank.com.my Write-in attention to: Head, Cardmember Interaction, Customer Engagement, 7 th Floor Menara Maybank, 100, Jalan Tun Perak Fax : Alternatively, you may seek the services of Agensi Kaunselling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counseling and debt restructuring for individuals. You can contact AKPK at:- Tingkat 8, Maju Junction Mall 1001, Jalan Sultan Ismail Kuala Lumpur Telephone No. : enquiry@akpk.org.my If you wish to complaint on the products or services provided by us, you may contact us at:- Telephone No : amex.customercare@maybank.com.my Write-in attention to: Head, Cardmember Interaction, Customer Engagement, 7 th Floor Menara Maybank, 100, Jalan Tun Perak Fax : If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at: Blok D, Bank Negara Malaysia Jalan Dato Onn Kuala Lumpur Telephone No. : Fax : bnmtelelink@bnm.gov.my 9. Where can I get further information?
4 Should you require additional information on Credit Cards, please refer to website or website. If you have any enquiries, please contact us at: Tel: Fax: 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 is issued on 01/09/2012 and will be valid until the next periodical review.
5 RISALAH MAKLUMAN PRODUK (Sila baca kenyataan mengenai Produk ini sebelum anda membuat keputusan untuk mengambil Kad Kredit Emas Maybank Islamic Ikhwan American Express. Pastikan anda turut membaca terma dan syarat am.) Kad Kredit: Kad Kredit Emas Maybank Islamic Ikhwan American Express Ogos Apakah Kad Kredit Emas Maybank Islamic Ikhwan American Express? Kad Kredit Emas Maybank Islamic Ikhwan American Express ialah kad Islam yang berlandaskan prinsip Syariah Bai Al-Inah atau jualan dengan belian semula serta-merta. Prinsip ini menentukan pembayaran kemudahan dalam tempoh yang ditetapkan. 2. Apakah yang saya peroleh daripada produk ini? 5X TreatsPoints ke atas semua pembelian petrol 2X TreatsPoints ke atas semua pembelian lain Caj tanpa pengkompaunan Penepian fi seumur hidup (tertakluk kepada 12 urus niaga setahun) Express AutoPay Insurans Kemalangan Diri Semasa Perjalanan dan Insurans Kesulitan Perjalanan diberikan percuma jika anda mengecaj sepenuhnya tambang perjalanan anda ke atas Kad. 3. Apakah obligasi saya? Pembayaran balik bulanan minimum: 5% daripada baki penyata atau RM 25, mengikut mana-mana yang lebih tinggi. 4. Apakah fi dan caj yang perlu saya bayar? Fi tahunan: Penepian fi seumur hidup Fi pendahuluan tunai: Fi tetap sebanyak 5% daripada amaun yang dikeluarkan atau RM10, mengikut mana-mana yang lebih tinggi. Bayaran keuntungan (Urus niaga runcit) o Peringkat 1: 13.5% (untuk pembayaran balik segera 12/12 bulan) o Peringkat 2: 16% (untuk pembayaran balik segera 10/12 bulan) o Peringkat 3: 17.5% (untuk pembayaran balik segera kurang daripada 10/12 bulan)
6 Bayaran keuntungan (Pendahuluan tunai) o 18% setahun atau 1.5% sebulan bagi amaun pendahuluan tunai yang dikira atas dasar harian. Fi penggantian kad: RM50 Fi cek yang dipulangkan: Tidak Berkenaan Fi penukaran urus niaga luar negeri: Faktor penukaran sebanyak 2.5% kepada amaun yang ditukarkan. Bayaran yang dibuat dalam mata wang asing selain dolar Amerika Syarikat akan, apabila penukaran dibuat oleh American Express, ditukarkan kepada dolar Amerika Syarikat sebelum ditukarkan kepada mata wang bil anda Fi permintaan penyata: RM5 Cukai perkhidmatan: RM50 setahun (untuk kad utama), RM25 setahun (setiap kad tambahan) Fi guaman: Atas dasar peguam cara dan klien termasuk perbelanjaan lain yang ditanggung oleh Maybank dalam penguatkuasaan hak dan kelayakan Maybank di bawah T&S. 5. Bagaimana jika saya gagal memenuhi obligasi saya? Bayaran denda bayar lewat: 1% daripada jumlah baki tertunggak setakat tarikh penyata atau RM5, mengikut mana-mana yang lebih tinggi sehingga maksimum RM50. Hak untuk menolak selesai apa-apa baki kredit dalam akaun anda dengan kami terhadap apa-apa baki tertunggak dalam akaun kad kredit ini. Liabiliti untuk urus niaga yang tidak dibenarkan - Proses litigasi pemulihan. 6. Apakah risiko utama? Dengan hanya membayar bayaran balik bulanan minimum, amaun faedah dan masa yang diambil untuk menyelesaikan amaun penuh akan bertambah. Fikirkan tentang keupayaan pembayaran balik anda apabila mengecaj kad kredit. Bayaran kewangan yang dikenakan ke atas baki tertunggak untuk kad kredit ini adalah berdasarkan struktur harga berperingkat mengikut sejarah pembayaran balik anda. 7. Apakah yang perlu saya lakukan jika terdapat perubahan alamat dan nombor telefon saya? Penting untuk anda memaklumkan kepada kami tentang apa-apa perubahan alamat dan nombor telefon anda untuk memastikan bahawa semua surat-menyurat sampai kepada anda tepat pada masanya. Untuk mengemaskinikan alamat dan nombor telefon anda, anda boleh menghubungi kami menerusi salah satu saluran berikut: i) Telefon ii) E-mel: amex.customercare@maybank.com.my
7 iii) Menulis kepada (untuk perhatian): Pelaksanaan Perkhidmatan Perhubungan Pelanggan Kad dan Pinjaman Tanpa Cagaran Tingkat 7, Menara Maybank, 100, Jalan Tun Perak iv) Faks: Di mana saya boleh mendapatkan bantuan dan membuat aduan? Jika anda mempunyai sebarang masalah menjelaskan baki Kad Kredit anda, hubungi kami terlebih dahulu untuk membincangkan alternative pembayaran balik. Anda boleh menghubungi kami di: Telefon : E-mel : amex.customercare@maybank.com.my Menulis kepada (untuk perhatian): Pelaksanaan Perkhidmatan Perhubungan Pelanggan Kad dan Pinjaman Tanpa Cagaran, Tingkat 7, Menara Maybank, 100, Jalan Tun Perak Faks : Di samping itu, anda boleh mendapatkan perkhidmatan Agensi Kaunseling dan Pengurusan Kredit (AKPK), iaitu agensi yang ditubuhkan oleh Bank Negara Malaysia untuk menyediakan perkhidmatan pengurusan wang, kaunseling kredit dan pengurusan semula hutang secara percuma bagi individu. Anda boleh menghubungi AKPK di: Tingkat 8, Maju Junction Mall 1001, Jalan Sultan Ismail Kuala Lumpur Telefon : E-mel : enquiry@akpk.org.my Jika anda ingin membuat aduan tentang produk atau perkhidmatan yang kami tawarkan atau jika anda ada apa-apa soalan, sila hubungi kami di: Telefon : E-mel : amex.customercare@maybank.com.my
8 Menulis kepada (untuk perhatian): Pelaksanaan Perkhidmatan Perhubungan Pelanggan Kad dan Pinjaman Tanpa Cagaran, Tingkat 7, Menara Maybank, 100, Jalan Tun Perak Faks : Jika pertanyaaan atau aduan anda tidak diselesaikan oleh pihak kami dengan cara yang memuaskan, anda boleh menghubungi Bank Negara Malaysia LINK atau TELELINK di: Blok D, Bank Negara Malaysia Jalan Dato Onn Kuala Lumpur Telefon : Faks : E-mel : bnmtelelink@bnm.gov.my 9. Di manakah boleh saya mendapatkan maklumat lanjut? Seandainya anda memerlukan maklumat tambahan berkenaan Kad Kredit, sila rujuk laman web atau Jika anda mempunyai apa-apa pertanyaan, sila hubungi kami di: Telefon: Faks: MAKLUMAN PENTING: TINDAKAN UNDANG-UNDANG BOLEH DIAMBIL TERHADAP ANDA JIKA ANDA TIDAK MENERUSKAN PEMBAYARAN BALIK KE ATAS BAKI KAD KREDIT ANDA. Maklumat yang di sediakan dalam Risalah Makluman Produk ini di keluarkan pada 01/09/2012 dan sah sehingga semakan semula.
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PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take the Maybank Visa Infinite Credit Card. Be sure to also read the general terms and conditions. Seek clarification from
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