S$1 = 10X Points

on Dining, Retail & Petrol

1 Point = 0.5 miles

Rewards to Miles Conversion for Selected Airline Partners

Conversion Fee

Waived for each conversion of points to frequent flyer miles

All Details

• Key Features

  • Earn 10X TREATS Points (or 4 air miles) for every S$1 spent at selected retail, dining merchants and all petrol stations

  • TREATS Points never expire

  • First year annual fee waived

  • Conversion fee waived for each conversion of points to frequent flyer miles

  • Up to 19.1% exclusive savings on petrol

  • Complimentary green fees all year round at 100 participating golf clubs in 19 countries

  • Complimentary Plaza Premium airport lounge access

  • Complimentary VIP access to JetQuay

  • 24/7 Mastercard Travel and Lifestyle Services

  • Redeem points at 50% off the usual TREATS Points during your birthday month

Petrol

Excellent

• Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on all petrol stations

• Up to 19.1% exclusive savings on petrol

Rewards

Excellent

• Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected dining and retail merchants and all petrol stations

• Earn 1X Rewards for every S$1 spent on all other retail purchases

• TREATS Points never expire

• Redeem points at 50% off the usual TREATS Points during your birthday month

Shopping

Very Good

• Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected retail merchants

Dining

Very Good

• Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on selected dining merchants

Annual Interest Rate and Fees

Annual Principal Fee	S$240
Supplementary Annual Fee	Free
Fee Waiver	Available with a total minimum spend of S$24,000 per annum from 2nd year onwards
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$80,000
Non-Singaporean Minimum Income	S$80,000

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay

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