Kad Kredit: Kad Kredit Singapore Airlines KrisFlyer American Express Jun 2012
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- Melissa King
- 5 years ago
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1 RISALAH MAKLUMAN PRODUK (Baca Risalah Makluman Prduk ini sebelum anda membuat keputusan untuk mengambil Kad Kredit Singapre Airlines KrisFlyer American Express. Pastikan anda turut membaca terma dan syarat am.) Kad Kredit: Kad Kredit Singapre Airlines KrisFlyer American Express Jun Apakah Kad Kredit Singapre Airlines KrisFlyer American Express? Ini ialah Kad Kredit Singapre Airlines KrisFlyer American Express, dengan jumlah kredit maksimum yang diberikan leh kami kepada anda dan apabila apa-apa amaun kredit yang digunakan leh anda belum dijelaskan sepenuhnya pada atau sebelum tarikh yang ditetapkan, maka amaun yang belum dijelaskan ini akan tertakluk kepada caj kewangan. 2. Apakah yang saya perleh daripada Kad Kredit Singapre Airlines KrisFlyer American Express? 1 KrisFlyer mile untuk setiap RM2 yang dibelanjakan bagi semua pembelian dan 2 Krisflyer mile bagi setiap RM2 yang dibelanjakan apabila anda menempah tiket*** anda untuk penerbangan yang berlepas dari Malaysia secara dalam talian melalui Akses ke Plaza Premium Lunge KLIA Insurans Kembara Kad Penggantian Kecemasan Express AutPay 3. Apakah bligasi 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: Kad Asas Tambahan Tahun Pertama Penepian fi Tahun Berikutnya RM250 setahun RM125 setahun
2 Fi pendahuluan tunai: Fi tetap sebanyak 5% daripada amaun yang dikeluarkan atau RM10, mengikut mana-mana yang lebih tinggi. Bayaran keuntungan (Pendahuluan tunai) 18% setahun atau 1.5% sebulan bagi amaun pendahuluan tunai yang dikira atas dasar harian. Bayaran keuntungan (Urus niaga runcit) Peringkat 1: 13.5% (untuk pembayaran balik segera 12/12 bulan dan pelanggan baharu) Peringkat 2: 16% (untuk pembayaran balik segera 10/12 bulan) Peringkat 3: 17.5% (untuk pembayaran balik segera kurang daripada 10/12 bulan) Fi penggantian kad: RM50 Fi cek yang dipulangkan: Tidak Berkenaan Fi penukaran urus niaga luar negeri: Faktr penukaran sebanyak 2.5% kepada amaun yang ditukarkan. Bayaran yang dibuat dalam mata wang asing selain dlar Amerika Syarikat akan, apabila penukaran dibuat leh American Express, ditukarkan kepada dlar Amerika Syarikat sebelum ditukarkan kepada mata wang bil anda Fi permintaan penyata tambahan: RM5 (hardcpy), RM10 (cetakan semula penyata) 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 leh Maybank dalam penguatkuasaan hak dan kelayakan Maybank di bawah T&S. 5. Bagaimana jika saya gagal memenuhi bligasi 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 menlak 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 - Prses litigasi pemulihan. 6. Apakah risik 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.
3 Jika anda mempunyai masalah untuk membayar baki kad kredit anda, sila hubungi kami segera untuk membincangkan tentang alternatif pembayaran balik. Anda hendaklah segera memberitahu kami apabila mendapati kad kredit anda hilang atau dicuri. 7. Apakah yang perlu saya lakukan jika terdapat perubahan alamat dan nmbr telefn saya? Penting untuk anda memaklumkan kepada kami tentang apa-apa perubahan alamat dan nmbr telefn anda untuk memastikan bahawa semua surat-menyurat sampai kepada anda tepat pada masanya. Untuk mengemaskinikan alamat dan nmbr telefn anda, anda bleh menghubungi kami menerusi salah satu saluran berikut: i) Telefn ii) E-mel: 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 bleh mendapatkan bantuan dan membuat aduan? Jika anda mempunyai sebarang masalah menjelaskan baki Kad Kredit anda, hubungi kami terlebih dahulu untuk membincangkan alternatif pembayaran balik. Anda bleh menghubungi kami di: Telefn : E-mel : amex.custmercare@maybank.cm.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 bleh mendapatkan perkhidmatan Agensi Kaunseling dan Pengurusan Kredit (AKPK), iaitu agensi yang ditubuhkan leh Bank Negara Malaysia untuk menyediakan perkhidmatan pengurusan wang, kaunseling kredit dan pengurusan semula hutang secara percuma bagi individu. Anda bleh menghubungi AKPK di: Tingkat 8, Maju Junctin Mall 1001,Jalan Sultan Ismail Kuala Lumpur Telefn :
4 E-mel : enquiry@akpk.rg.my Jika anda ingin membuat aduan tentang prduk atau perkhidmatan yang kami tawarkan atau jika anda ada apa-apa salan, sila hubungi kami di: Telefn : E-mel : amex.custmercare@maybank.cm.my 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 leh pihak kami dengan cara yang memuaskan, anda bleh menghubungi Bank Negara Malaysia LINK atau TELELINK di: Blk D, Bank Negara Malaysia Jalan Dat Onn Kuala Lumpur Telefn : Faks : E-mel : bnmtelelink@bnm.gv.my 9. Di manakah bleh 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: Telefn: 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 Prduk ini di keluarkan pada 01/06/2012 dan sah sehingga semakan semula.
5 PRODUCT DISCLOSURE SHEET (Read this Prduct Disclsure Sheet befre yu decide t take ut the Singapre Airlines KrisFlyer American Express Gld Credit Card. Be sure t als read the general terms and cnditins.) Credit Card: Singapre Airlines KrisFlyer American Express Gld Credit Card June What is this prduct abut? This is a Singapre Airlines American Express KrisFlyer Gld Credit Card, with a line f credit granted by us t yu and where any amunt f the credit utilized by yu has nt been settled in full n r befre a specified date, the unsettled amunt will be subject t finance charges. 2. What d I get frm this prduct? 1 KrisFlyer mile fr every RM2 spent fr all purchases and 2 KrisFlyer miles fr every RM2 spent when yu bk yur tickets*** nline via fr flights departing frm Malaysia. Earn duble KrisFlyer Miles with minimum spend f RM40,000 within card anniversary date. Plaza Premium Lunge KLIA access Travel Insurance Emergency Replacement Card Express AutPay 3. What are my bligatins? Minimum mnthly repayment: 5% f statement balance r RM25, whichever is higher. 4. What are the fees and charges I have t pay? Annual fee: Principal Card Supplementary 1 st Year Fee Waiver Subsequent Year RM250 p.a. RM125 p.a. Cash advance fee: 5% f the amunt advanced r a minimum f RM10 per transactin, whichever is higher. Finance charges (Retail transactin) Tier 1: 13.5% (fr prmpt repayment f 12/12 mnths)
6 Tier 2: 16% (fr prmpt repayment f 10/12 mnths) Tier 3: 17.5% (fr prmpt repayment f less than 10/12 mnths) Finance charges (Cash advance) 18% p.a. r 1.5% p.m. f cash advance amunt calculated n a daily basis Card replacement fee: RM50 Returned cheque fee: N/A Overseas transactin cnversin fee: Cnversin factr f 2.5% t the cnverted amunt. A charge that is made in freign currencies ther than U.S. Dllars will, when the cnversin is dne by American Express, be cnverted int U.S. Dllars befre being cnverted int yur billing currency Statement request fee: RM5 Service Tax: RM50 p.a. (fr principal card), RM25 p.a. (each supplementary card) Legal fees: On slicitr and client basis plus ther expenses incurred by Maybank in the enfrcement f Maybank s right and entitlement under T&C. 5. What if I fail t fulfill my bligatins? Late payment penalty charges: 1% f the ttal utstanding balance as at the statement date r RM5, whichever is higher up t a maximum f RM50 Right t set-ff any credit balance in yur accunt maintained with us against any utstanding balance in this credit card accunt. Liability fr unauthrized transactins Recvery thrugh litigatin prcess 6. What are the majr risks? By paying nly minimum mnthly repayment, the interest amunt and time taken t settle the full amunt will increase. Think abut yur repayment capacity when charging the credit card. The finance charges impsed n the utstanding balance fr this credit card is based n a tiered pricing structure in accrdance t yur repayment histry. If yu have prblems paying fr yur credit card balances, cntact us early t discuss repayment alternatives. Yu shuld ntify us immediately after having fund that yur credit card is lst r stlen. 7. What d I need t d if there are changes t my cntact details? It is imprtant that yu infrm us f any change in yur cntact details t ensure that all crrespndences reach yu in a timely manner. T update yur cntact details, yu may reach us via ne f the fllwing channels:
7 i) Call-in t ii) amex.custmercare@maybank.cm.my iii) Write-in attentin t: Head, Service Fulfillment, Custmer Engagement, 7 th Flr Menara Maybank, 100, Jalan Tun Perak iv) Fax: Where can I get assistance and redress? If yu have difficulties in making repayments, yu shuld cntact us earliest pssible t discuss repayment alternatives. Yu may cntact us at:- Telephne N. : amex.custmercare@maybank.cm.my Write-in attentin t : Head, Cardmember Interactin, Custmer Engagement, 7 th Flr Menara Maybank, 100, Jalan Tun Perak Fax : Alternatively, yu may seek the services f Agensi Kaunselling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia t prvide free services n mney management, credit cunseling and debt restructuring fr individuals. Yu can cntact AKPK at:- Tingkat 8, Maju Junctin Mall 1001, Jalan Sultan Ismail Kuala Lumpur Telephne N. : enquiry@akpk.rg.my If yu wish t cmplaint n the prducts r services prvided by us, yu may cntact us at:- Telephne N. : amex.custmercare@maybank.cm.my Write-in attentin t : Head, Cardmember Interactin, Custmer Engagement, 7 th Flr Menara Maybank, 100, Jalan Tun Perak Fax : If yur query r cmplaint is nt satisfactrily reslved by us, yu may cntact Bank Negara Malaysia LINK r TELELINK at: Blk D, Bank Negara Malaysia Jalan Dat Onn Kuala Lumpur
8 Telephne N. : Fax : bnmtelelink@bnm.gv.my 9. Where can I get further infrmatin? Shuld yu require additinal infrmatin n Credit Cards, please refer t website r website. If yu have any enquiries, please cntact 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 infrmatin prvided in this disclsure is issued n 01/06/2012 and will be valid until the next peridical review.
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HELAIAN MAKLUMAN PRODUK Sila baca Helaian Makluman Produk ini sebelum anda membuat keputusan untuk memohon kemudahan Kredit Flexi Supplier dengan Hong Leong Bank Bhd. Kandungan yang tertera dalam helaian
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A-Health Maximiser THE PORTABLE & PERSONAL MEDICAL HEALTH PLAN Maximising your protection to meet your changing needs Purchase with AIA PRS to fund your retirement years aia.com.my A-Health Maximiser Maximising
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More informationPLUSTRACK. 1 June offered (terminal, terminal reload, and cards) for their corporate fleet of vehicles.
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More informationDate: 7 th September 2017
PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take the Maybank Manchester United Visa Infinite Cards. Be sure to also read the general terms and conditions. Seek clarification
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More informationEffective 1 April 2015, Goods and Service Tax (GST) will be imposed on fees and charges, where applicable.
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More informationGolf Privilege Complimentary Green Fees for Cardmembers to play at 86 Golf Clubs in 18 countries (17 Clubs in Malaysia and 69 International Clubs).
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to take the. Be 1. What is this product about? Credit Card is positioned as a cash back card. Maybank is the first official regional banking partner in Malaysia and Singapore for FC Barcelona. is targeted
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