Earn 5X TREATS Points

when Man. United win a Premier League match

Up to 3% Cashback

when Man. United win a Premier League match

1% Unlimited Cashback

on All Spends

All Details

• Key Features

  • 1% Unlimited Cashback and 1X TREATS Points on all transactions

  • Up to 3% Cashback and 5X TREATS points when Manchester United wins a Premier League match

  • First 2 years annual fee waived, enjoy subsequent waiver at a minimum spend of S$3,600 per year

Entertainment

Very Good

• Stand a chance to win a trip for two to watch Manchester United LIVE every football season

• 20% discount on Manchester United Stadium and Museum Tour tickets purchased at the Old Trafford Football Ground

• 10% discount on food and drinks at the Red Cafe, at Old Trafford

• On the day Manchester United wins in the English Premier League matches: Additional 4X TREATS Points for every S$1 spent, Additional 2% Cashback (capped at S$20)

Online Shopping

Good

• 10% discount at the United Direct Online Megastore

• 1X TREATS Points for every S$1 spent

• 1% Unlimited Cashback

Rewards

Good

• 1 TREATS Point for every S$1 spent in any currency

• TREATS Points will expire one year after the end of each quarter period in which they are earned

Overseas Spending

Good

• 1X TREATS Points for every S$1 spent

• 1% Unlimited Cashback

• Get complimentary travel insurance coverage of up to S$300,000

Cash Back

Good

• 1% Unlimited Cashback on all transactions

• 1X TREATS Points for every S$1 spent on all transactions

Dining

Good

• 10% discount on food and drinks at the Red Cafe©, at Old Trafford

• 1X TREATS Points for every S$1 spent

• 1% Unlimited cashback

Annual Interest Rate and Fees

Annual Principal Fee	S$80 (2 years fee waiver)
Supplementary Annual Fee	S$0
Fee Waiver	Available with a minimum of S$3,600 spent
Interest Free Period	20 days
Annual Interest Rate	27.90% p.a. subject to a minimum charge of S$3.00
Late Payment Fees	5% of the minimum monthly repayment or S$100, whichever is higher, if minimum monthly repayment is not received by due date
Minimum Monthly Repayment	3% of outstanding balance or S$20, whichever is higher
Foreign Currency Transaction Fee	All transactions in foreign currency will be subject to an administrative fee of 2.25% and a currency conversion charge of 1% imposed by the respective card associations
Foreign Check Fee	N/A
Cash Advance Transaction Fee	8% of the transaction amount or S$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

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay