| 12.1 |
Credit Card (Visa/MasterCard) |
| a. |
Annual Fee
|
Classic Card
| Principal |
- RM75.00 |
| Supplementary |
- RM50.00 |
Gold Card
| Principal |
- RM150.00 |
| Supplementary |
- RM75.00 |
Platinum Card
| Principal |
- RM300.00 |
| Supplementary |
- RM150.00 |
|
| b. |
Annual Fee Waiver |
EON Bank Group Credit Cards are 'Free for Life'. Not only that, both Principal and Supplementary MasterCard Cardholders will automatically receive a waiver for their first year annual fee. All you have to do is use your Platinum Credit Card 36 times or 24 times on your Gold Credit Card or 12 times on your Classic Credit Card during the preceding 12 months to receive a waiver in annual fees for subsequent years. |
| c. |
Joining Fee |
Waived |
| d. |
Government Service Tax |
Principal Card RM50 per year and Supplementary card RM25 per year.  |
| e. |
Late Payment Charges |
The late payment charge is 1% of the total outstanding balance as at statement date, subject to minimum RM5 and maximum of RM50.
|
| f. |
Finances Charges**:
i) Purchases |
The charges
are:
| Tier |
Interest Rate (per annum) |
Number of months
minimum payment received by due date in the past 12 consecutive
months |
Commencement of Lower Interest Rate |
| 1 |
13.5% |
All 12 months |
From 13th month |
| 2 |
16.0% |
10 or 11 months |
From 13th month |
| 3 |
17.5% |
Less than 10 months |
Not applicable |
*For new
cardholders, interest will be at 18% p.a. until upon completion
of the full 12 month repayment.
|
| ii) Cash Advance |
18% p.a. of the cash advance amount calculated on a daily basis from the transaction date
|
| g. |
Minimum Repayment |
5% of outstanding balance or RM50.00 whichever is higher
|
| h. |
Cash Advance Fee |
The cash advance fee is 4.5% of the amount advanced or a
minimum of RM20. This is imposed for each cash advance
transaction. |
| i. |
Cash Advance Limit |
Less than 1 Year : 50%
Between 1 to 3 Years : 75%
Above 3 Years : 100% |
| j. |
Replacement Fee due to lost / stolen card |
Classic Card
| 1st. time |
- RM50.00 |
| 2nd. & subsequent times |
- RM100.00 |
Gold Card
| 1st. time |
- RM50.00 |
| 2nd. & subsequent times |
- RM100.00 |
Platinum Card
| 1st. time |
- RM50.00 |
| 2nd. time |
- RM100.00 |
| Subsequent times |
- RM150.00 |
|
| k. |
Interest Free Period for retail transaction
|
20 days from the statement date on all retail transactions
provided all outstanding balances of the previous month are fully
settled within the due date. However, if cardholder chooses to pay
partial or minimum payment, finances charges on retail transactions
will be imposed from the posting date.
|
| l. |
Overlimit Fee |
RM20 |
| m. |
Sales Draft Retrieval
Fee |
RM15 per draft. |
| n. |
Regeneration Of PIN |
RM5 per request. |
| o. |
Credit Balance Refund |
RM5 per request. |
| p. |
Monthly Statement
Request |
RM5 per request. |
| q. |
Conversion For
Overseas Transactions |
The conversion rate as determined by Visa and MasterCard
International plus an administration fee of 1% plus any transaction fee charged by Visa/MasterCard. |
**Effective from 1 July 2008
Note: The Bank has the right to amend the fees and changes to the above terms and shall notify the Cardholders on the changes
at least in the monthly billing statement. |
| 12.2 |
Prepaid card / Unembossed Card |
| a. |
Joining fee |
All EON Bank Group Prepaid/Unembossed Cards
(Unless stated otherwise):
RM20.00
SmartMIRC:
RM10.00
MyCOOP:
Waived |
| b. |
Annual fee |
All EON Bank Group Prepaid/Unembossed Cards
(Unless stated otherwise):
RM20 (First Year Annual Fee Waived)
SmartMIRC:
RM15.00
MyCOOP:
RM20.00 |
| c. |
Annual Fee Waiver |
EON Bank Group Prepaid Cards are Free for Life! That means any subsequent yearly annual fees are waived when the cardholder spends at least 12 times over the preceding 12 months. |
| d. |
Lost / stolen card |
RM15.00 |
| e. |
Card Replacement fee |
RM15.00 |
| f. |
Regeneration of PIN |
RM5.00 per request |
| g. |
Sales draft Retrieval Fee |
RM15.00 per sales draft |
| h. |
Statement Request :-
View online via EBG Internet banking
Request in Hardcopy
|
NIL
RM5.00 per request (for second request onwards)
|
| i. |
Reload Amount :-
Initial Minimum Top-up Amount
Maximum Prepaid Value
Number of reload
|
RM50.00
i. 12-17 years old – RM5,000
ii. 18 years old & above – RM10,000
Maximum 2 times per day
|
| j. |
Minimum Card Balance |
Zero Value |
| k. |
Reload Fee via EON Bank Channels |
Free |
| l. |
ATM Cash Withdrawal Fee.
1. EON Bank ATMs
2. CIRRUS / PLUS ATMs
|
Free
RM10.00
|
| m. |
Credit Balance Refund |
Waived |
| n. |
Returned Cheque Penalty |
Waived |
| o. |
Standing Instruction for Funds Transfer |
Waived |
| p. |
Overseas Transaction |
Foreign Exchange/Conversion Fee based on 1% of the purchase value and a Retail Transaction Fee of RM1 per transaction |
| MOL Freedom Prepaid Card |
| Starter Pack Price |
RM25 per pack |
RM38 per pack |
| Monthly Fee |
Nil |
Nil |
| Activation Fee |
RM15 will be deducted from the initial topup |
Nil |
| Annual Fee |
Waived for 1 year
RM20 for subsequent year and it will be waived if cardholder had used the card more than 12 times in a calendar year |
Waived for 2 year
RM20 for subsequent year and it will be waived if cardholder had used the card more than 12 times in a calendar year |
| Cash Withdrawal |
Zero fee through EON Bank and EONCAP Islamic Bank ATMs
RM10 through the CIRRUS network worldwide |
| Overseas Transactions |
Foreign Exchange/Conversion Fee based on 1% of the purchase value and a Retail Transaction Fee of RM1 per transaction |
|
| Reload Channels |
EON Bank & EONCAP Islamic Bank branches via
• Counters
• ATMs (Transfer from EON Bank & EONCAP Islamic Bank Savings or Current Account)
• Cheque or Cash Deposit Machines
• Auto Funds Transfer from EON Bank & EONCAP Islamic Bank Savings or Current account. |
* The Bank has the right to amend the fees and changes to t he above terms and shall notify the Cardholders on the changes at least in the monthly billing statements. |
