S$1 = 8X Points

on Air Tickets, Hotel Bookings at Agoda and Online Spend in Foreign Currency

S$1 = 1X Point

on All Other Spend

S$50 = 17,500 Points

Redeem for Vouchers at Selected Malls

All Details

• Key Features

  • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon

  • Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions

  • Complimentary lounge access with minimum spend of S$1,000 in a single transaction on a retail purchase, accompanying guest(s) enjoys 20% off walk-in rates for lounge access.

  • Complimentary Travel Insurance up to S$1,000,000

  • 3 years annual fee waived

Rewards

Excellent

• Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon

• Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions

• Minimum spend: S$300/month

• Capped at 30,000 Bonus TREATS Points per month

• 1X TREAT Point with no minimum spend amount

• Complimentary lounge access with minimum spend of S$400

• Complimentary Travel Insurance up to S$1,000,000

Air Miles

Excellent

• Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at Agoda.com/horizon

• Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions

• Minimum spend: S$300/month

• Capped at 30,000 Bonus TREATS Points per month

• Earn 0.4 air miles (1X TREAT Point) with no minimum spend amount

• Complimentary lounge access with minimum spend of S$1,000 in a single transaction on a retail purchase

• Complimentary Travel Insurance up to S$1,000,000

Online Shopping

Very Good

• Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on air tickets, hotel bookings at Agoda.com/horizon and online spend in foreign currency

• Min spend: S$300/month

• Capped at 30,000 Bonus TREATS Points per month

• 1X TREATS Point with no minimum spend

Petrol

Very Good

• Earn 3.2 air miles (8X TREATS Points) for every S$1 spent at all petrol stations in Singapore

• Capped at 30,000 Bonus TREATS Points per month

• Min Spend: S$300/month

• 1X TREAT Point with no minimum spend

Dining

Very Good

• Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on selected dining merchants

• Min spend: S$300/month

• Capped at 30,000 Bonus TREATS Points per month

• 1X TREATS Point with no minimum spend

Overseas Spending

Good

• Earn 2 air miles (5X TREATS Points) for every S$1 spent on foreign currency transactions overseas

• Minimum spend: S$300/month

• Capped at 30,000 Bonus TREATS Points per month

• 1X TREAT Point with no minimum spend

Annual Interest Rate and Fees

Annual Principal Fee	S$180
Supplementary Annual Fee	Complimentary
Fee Waiver	Available for first 3 years, subsequent annual fee is waived with a total yearly minimum spend of S$18,000
Interest Free Period	20 days
Annual Interest Rate	26.90%
Late Payment Fees	5% or S$100, whichever is higher
Minimum Monthly Repayment	3% or S$20, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	5% or $15, whichever is higher
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$60000. Malaysia Citizens (in employment for at least 1 year): S$45,000

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