Earning Points with Your Card Account

• Purchases and Eligible Payments Earn Points.

ThankYou Points on Purchases: At the end of each billing cycle, You will earn 1 ThankYou Point per RM1 on purchases made on Your Card Account reduced by the amount of any returns and refunds. The Points You earn for purchases will show on Your billing statement as "ThankYou Points on Purchases."

The following transactions are not purchases and will not earn Points: balance transfers, cash advances, checks that access Your Card Account, items returned for credit, disputed or unauthorized purchases, fraudulent transactions, traveler's checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets and gaming chips (and similar betting transactions), loads or reloads of balances on gift cards or prepaid cards or cash equivalents, person-to-person payments, Crystal® Flex Loans, the creation of ZestFlex Pays, Card Account fees and charges (such as late fees and finance charges), and fees for services or programs You elect to receive through us.

ThankYou Points on Eligible Payments: At the end of each billing cycle, you will earn 1 ThankYou Point per RM1 on Eligible Payments made to Your Card Account. You will earn ThankYou Points on Your Eligible Payments up to the balance shown in Your Purchase Tracker (see "Purchase Tracker" below). The balance in Your Card Account's Purchase Tracker will be reduced by the amount of Eligible Payments You make. When the Purchase Tracker reaches RM0, You won't earn Points on Eligible Payments until more purchases are made and added to the Purchase Tracker. The Points You earn for Eligible Payments will show on Your billing statement as "ThankYou Points on Payments."

"Eligible Payments" means payments You make on Your Card Account, that add up to at least the Minimum Payment Due (as set forth on Your billing statement). Eligible Payments do not include those detailed below in "When You will not earn Points." The redemption of Points for a statement credit is not an Eligible Payment and will not reduce the balance in Your Purchase Tracker.

ThankYou Points on Purchases: At the end of each billing cycle, You will earn 1 ThankYou Point per RM1 on purchases made on Your Card Account reduced by the amount of any returns and refunds. The Points You earn for purchases will show on Your billing statement as "ThankYou Points on Purchases."

• Purchase Tracker:

We will maintain a Purchase Tracker for Your Card Account. The Purchase Tracker will appear on Your billing statement. The Purchase Tracker shows the balance of purchases (as detailed above in "ThankYou Points on Purchases") less Eligible Payments made on Your Card Account, subject to “When You will not earn Points” as detailed below. You will only earn Points on Eligible Payments up to the balance shown on Your Card Account's Purchase Tracker.

When You Will Receive Points. Points earned through a purchase with Your Card Account will appear in Your ThankYou Account at the end of the billing cycle in which You made the purchase. Points earned for Eligible Payments will appear in Your ThankYou Account at the end of the billing cycle in which You made Your Eligible Payment. This means that Points earned on purchases and Eligible Payments made near the end of a billing cycle may take up to one additional billing cycle to appear in Your ThankYou Account. (Bonus Points may take one to two additional billing cycles to post to Your ThankYou Account)

Fraud, Misuse, Abuse, or Suspicious Activity

• If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following:

- Taking away your accrued Points.
- Stopping you from earning Points
- Suspending or closing your Crystal® Account or ThankYou® Account
- Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Using your card

• Make contactless transactions

Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

• Manage your card online

Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

• Get an additional card

Add your partner or family members over 18 to your account. It's a simple way to get more from your Zest Bank Credit Card.

• Bank anywhere with the ZestOnline Banking

Make payments to existing beneficiaries and manage your personal accounts easily and securely with the ZestOnline Banking .

• Use your card abroad

You can use your Zest Bank Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Bank cash machines may also charge a fee.

• Enjoy 24/7 worldwide assistance

Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance