- No preset credit limit.
- Must settle full amount of statement before due date.
- Late payment charge, minimum RM50 or 3.5% of unpaid balance, whichever is greater.
- Credit limit is preset, cannot spend beyond the limit.
- Only need to settle minimum RM50 or 5% of statement balance, whichever is higher.
- Late payment charge, minimum RM10 or 1% of outstanding balance, whichever is higher.