Credit Card: Maybankard Visa/MasterCard Platinum July 2012
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- Clemence Stone
- 6 years ago
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1 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to sign-up for the Maybankard World MasterCard Credit Card. Be sure to also read the general terms and conditions.) Credit Card: Maybankard Visa/MasterCard Platinum July What is this product about? Maybankard Visa/MasterCard Platinum Privileges Card offers unconditional convenience and security features. We can assure you that you will find activities such as dining, traveling, shopping, golfing, health and leisure more luxurious and pleasurable. 2. What benefits do I get from this product? Enjoy a generous line of credit, tailor-made to your needs 2X Overseas Spending. Dedicated 24-hour Customer Service Enrich Frequent Flyer Programme to redeem free air travel or free flight upgrades when you Tavel with Malaysia Airlines. Every 7,000 TreatsPoints is equivalent to 1,000 Enrich miles. Platinum-class treatment: Maybankard Mastercard Platinum Cardmembers will experience only the best in entertainment, leisure and the finer things in life with Dewan Filharmonik PETRONAS' worldclass concerts. Cardmembers also get to enjoy the dining offers at the Malaysian Petroleum Club with purchase of ticket for shows on the same day. Global acceptance and instant cash with over 1 million MasterCard and Cirrus ATMs worldwide, and affiliate banks in over 210 countries Easy bill payments via Maybank2u, by cash or cheque at over 400 Maybank branches, Cash/Cheque Deposit Machines or by standing instructions Exclusive privileges with MasterCard / Visa 3. What are my obligations? Minimum monthly repayment: 5% of the outstanding balance or a minimum payment of RM 25. The Cardholder should notify Maybank within 20 days from the closing date of billing period as stated on the statement of the account should there be disputes or discrepancies. Cardholder is to take all reasonable precaution to prevent loss or theft of the Credit Card. The Cardholder shall notify Maybank by telephone, fax or immediately upon discovery of lost or theft and confirm the same in writing to Maybank. The Principal Cardholder will be responsible and liable for all charges incurred by the supplementary Cardholder.
2 4. What are the fees and charges I have to pay? Annual fee principal : RM Supplementary : RM Multiple card membership for primary cardholder: RM825 Multiple card membership for supplementary cardholder: RM300 Lost Card replacement fee RM50 per card Sales draft retrieval fee - Photocopy of sales draft at RM5 per copy Additional statement request fee RM5 per month statement Finance charges for the outstanding balance, please refer to the table below: Conditions / Payments Months / Interest Rate Total 12 Months Per Month Per Annum For Prompt Payment 12/12 months 1.13% 13.50% For Prompt Payment 10/12 months 1.33% 16% For Prompt Payment of less than 10/12 months 1.46% 17.50% Service Tax - The annual RM50 and RM25 Service Tax imposed on each principal and supplementary card respectively will be charged to your card account at the time when the card is issued, on the anniversary date or upon renewal. 5. What if I fail to fulfill my obligations? Late payment penalty charges: maximum of 1% of the outstanding balance or a minimum of RM10. 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. Liability for unauthorized transactions The cardholder shall be liable for all charges and advances whatsoever arising from all transactions, whether authorized or unauthorized, effected with the credit card. 6. What if I fully settle the balance before its maturity? Lock-in period: Up to 36 months Early settlement penalty for Balance Transfer : Not applicable 7. 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.
3 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. i) Telephone No: (Calling from Malaysia) or (Calling from outside Malaysia) ii) mbbcardservices@maybank.com.my iii) Write-in attention to: Head, Cardmember Service Fulfillment Customer Engagement, 7 th Floor Menara Maybank, 100, Jalan Tun Perak, Kuala Lumpur iv) Fax: v) Any nearby Private Banking Centres. 9. Where can I get further information? Should you require additional information on credit cards, please refer to the website. If you have any enquiries, please contact us at: Maybankard Centre 7th Floor Menara Maybank 100 Jalan Tun Perak Kuala Lumpur Tel: mbbcardservices@maybank.com.my 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 issued on 1 st July, 2012 (applicable date) and will be valid until the next periodical review.
4 RISALAH MAKLUMAN PRODUK Baca Risalah Makluman Produk ini sebelum anda membuat keputusan untuk mengambil Kad Platinum Visa/MasterCard Maybank. Pastikan anda turut membaca terma dan syarat am KAD KREDIT :KAD PLATINUM VISA/MASTERCARD PLATINUM Julai Apakah Kad Platinum Visa/MasterCard Maybankard? Kad Istimewa Platinum Visa/MasterCard Maybankard menawarkan ciri kemudahan dan keselamatan tanpa syarat. Kami berani menjamin bahawa aktiviti anda seperti menjamu selera, melancong, membeli-belah, bermain golf, penjagaan kesihatan dan aktiviti masa lapang pastinya akan lebih mewah dan menyeronokkan. 2. Apakah manfaat yang saya peroleh daripada produk ini? Jumlah kredit maksimum yang tinggi, yang sesuai dengan keperluan anda 2X Perbelanjaan Luar Negara. Khidmat Pelanggan 24 jam yang Berdedikasi Program Enrich Frequent Flyer untuk menebus tiket penerbangan udara percuma atau menaik taraf penerbangan secara percuma apabila anda Membuat Perjalanan dengan Malaysia Airlines. Setiap 7,000 TreatsPoints adalah bersamaan dengan 1,000 batu Enrich. Layanan Kelas Platinum: Pemilik kad Platinum Mastercard Maybankard akan mendapat hanya yang terbaik dalam hiburan, aktiviti masa lapang dan menikmati hanya yang terbaik dalam hidup dengan konsert bertaraf dunia Dewan Filharmonik PETRONAS. Pemilik kad juga boleh menjamu selera di Kelab Petroleum Malaysia melalui pembelian tiket persembahan pada hari yang sama. Diterima di seluruh dunia dan pengeluaran tunai segera melalui lebih 1 juta ATM MasterCard dan Cirrus di seluruh dunia, dan bank bersekutu di lebih 210 negara Pembayaran bil yang mudah melalui Maybank2u, secara tunai atau menggunakan cek di lebih 400 cawangan Maybank, Mesin Deposit Tunai/Cek atau melalui arahan tetap Keistimewaan eksklusif dengan MasterCard / Visa 3. Apakah obligasi saya? Pembayaran balik minimum bulanan sebanyak 5% daripada baki tertunggak atau pembayaran minimum sebanyak RM25/- Pemegang Kad hendaklah memberitahu Maybank dalam tempoh 20 hari dari tarikh tutup tempoh bil seperti yang dinyatakan pada penyata akaun jika ada pertikaian atau percanggahan.
5 Pemegang Kad perlu mengambil semua langkah berjaga-jaga yang munasabah untuk mencegah kehilangan atau kecurian Kad Kredit. Pemegang Kad hendaklah segera memberitahu Maybank melalui telefon, faks atau e-mel apabila menyedari akan kehilangan atau kecurian kad dan mengesahkannya secara bertulis kepada Maybank. Pemegang kad Utama bertanggungjawab dan bertanggungjawab untuk membayar semua bayaran yang ditanggung oleh pemegang Kad tambahan 4. Apakah fidan bayaran yang perlu saya bayar? Fi tahunan kad utama : RM Kad tambahan : RM Keahlian kad berganda untuk pemegang kad utama: RM825 Keahlian kad berganda untuk pemegang kad tambahan: RM300 Fi penggantian Kad yang Hilang RM50 setiap kad Fi perolehan draf jualan Fotokopi draf jualan pada harga RM5 setiap salinan Fi permohonan penyata tambahan RM5 setiap penyata bulanan Caj kewangan untuk baki tertunggak, sila rujuk jadual di bawah:- Syarat/ Pembayaran Bulan/ Jumlah 12 bulan Untuk pembayaran segera 12/12 bulan Untuk pembayaran segera 10/12 bulan Untuk pembayaran segera kurang daripada 10/12 bulan Kadar Faedah Sebulan Setahun 1.13% 13.50% 1.33% 16% 1.46% 17.50% Cukai Perkhidmatan : Cukai Perkhidmatan tahunan RM50 dan RM25 yang masing-masing dikenakan ke atas setiap kad utama dan kad tambahan akan dicaj ke akaun kad anda semasa kad dikeluarkan, pada tarikh ulang tahun atau semasa pembaharuan. 5. Bagaimana jika saya gagal memenuhi obligasi saya? Bayaran denda bayar lewat: 1% daripada amaun minimum pembayaran balik yang kena dibayar atau minimum RM5, mengikut mana-mana yang lebih tinggi (sehingga maksimum RM50).
6 Hak untuk menolak selesai: Kami mempunyai 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 - Pemegang kad bertanggungan untuk membayar semua bayaran dan apa jua pendahuluan yang timbul daripada semua urus niaga, sama ada dibenarkan atau tidak dibenarkan, yang dibuat dengan menggunakan kad kredit. 6. Bagaimana jika saya menyelesaikan pinjaman sepenuhnya sebelum tarikh matang? Tempoh tertutup: Sehingga 36 bulan Denda penyelesaian awal: Tidak berkenaan 7. Apakah risiko utama? Dengan hanya membayar pembayaran balik minimum bulanan, amaun faedah dan masa yang diambil untuk menyelesaikan amaun penuh akan bertambah. Fikirkan tentang keupayaan pembayaran balik anda apabila menggunakan kad kredit. Bayaran kewangan yang dikenakan ke atas baki tertunggak untuk Kad ini adalah berdasarkan harga bertingkat. Jika anda mempunyai masalah untuk membayar baki kad kredit, hubungi kami terlebih dahulu untuk membincangkan alternatif pembayaran balik. Anda hendaklah memaklumkan kepada kami dengan segera apabila mendapati kad kredit anda hilang atau dicuri. 8. Apakah yang perlu saya lakukan jika saya bertukar alamat dan nombor telefon? Anda perlu memaklumkan kepada kami tentang apa-apa perubahan alamat dan nombor telefon anda untuk memastikan semua surat-menyurat sampai kepada anda tepat pada masanya. Untuk mengemaskinikan alamat dan nombor telefon anda, anda boleh menghubungi kami melalui salah satu cara berikut: i. Telefon : (Panggilan dari Malaysia) atau (Panggilan dari luar Malaysia) ii. E-mel : mbbcardservice@maybank.com.my iii. Menulis kepada (untuk perhatian) iv. Faks : v. Mana-mana cawangan Maybank yang berhampiran :Pelaksanaan Perkhidmatan, Perhubungan Pelanggan, Kad dan Pinjaman Tanpa Cagaran, Tingkat 7, Menara Maybank,100, Jalan Tun Perak Kuala Lumpur
7 9. Di manakah boleh saya mendapatkan maklumat lanjut? Jika anda memerlukan maklumat lanjut tentang kad kredit, sila layari laman web Jika anda mempunyai apa-apa pertanyaan, sila hubungi kami di:- Maybankard Centre Tingkat 7, Menara Maybank 100 Jalan Tun Perak Kuala Lumpur Tel: E-mel: MAKLUMAN PENTING: TINDAKAN UNDANG-UNDANG BOLEH DIAMBIL TERHADAP ANDA JIKA ANDA TIDAK MENERUSKAN PEMBAYARAN BALIK BAKI KAD KREDIT ANDA. Maklumat yang di sediakan dalam Risalah Maklumat Produk ini di keluarkan pada 1hb. Julai 2012 dan sah sehingga semakan semula.
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