This product has a RM60 Annual Fee and requires a minimum income of RM30,000 requirement when applying for this card as well as being 21 years+ for primary card holders. The annual interest payment can vary 15% to 18%. The 15% rate will applying to customers who have prompt repayments for 12 consecutive months who will then qualify for this rate. Note their are 20 days interest free on purchases if you pay the full balance of the previous months transactions. Please visit the Maybank website for exact conditions and fees required by this card product.