Airline Advantage with Executive World Elite Mastercard
Additional Information
ThankYou® Rewards: Summary of the ZestStrata Premier Card Terms and Conditions.
With the ZestStrata Premier Card, you can earn ThankYou Points for purchases made on your card.
Unless you are participating in a limited-time offer, you will earn:
10 total ThankYou Points for each RM1 spent on hotel, car rental and attraction bookings on the ZestTravel℠ site via CrystalTravel.com
- 3 ThankYou Points for each RM1 spent on air travel and other hotel purchases
- 3 ThankYou Points for each RM1 spent at restaurants
- 3 ThankYou Points for each RM1 spent at supermarkets
- 3 ThankYou Points for each RM1 spent at gas and EV charging stations
- 1 ThankYou Point for each RM1 spent on all other purchases
You will earn 10 ThankYou Points for each RM1 spent on hotels, car rentals, and attractions when you use your ZestStrata Premier Card to book them through the ZestTravel site via CrystalTravel.com or +603-9388 0474 (TTY:711). For bookings made with a combination of points and your ZestStrata Premier Card, only the portion paid with your card will earn points. Points are not earned on cancelled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. ZestTravel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com.
Includes purchases at airlines, hotels (not booked through the ZestTravel site via CrystalTravel.com), and travel agencies.
Includes purchases at cafes, bars, lounges, fast-food restaurants, restaurant delivery services, and take out restaurants. Excludes purchases at bakeries, caterers, and restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs). You will not earn 3 ThankYou Points on restaurant gift card purchases if the merchant does not use the restaurant merchant category code.
Excludes purchases made at general merchandise/discount superstores; freezer/meat locker provisioners; dairy product stores; miscellaneous food/convenience stores; drugstores; warehouse/wholesale clubs; specialty food markets; bakeries; candy, nut, and confectionery stores; and meal kit delivery services. Purchases made at online supermarkets or with grocery delivery services do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant code.
Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Crystal, your purchase will not qualify for additional points. For example, you won't earn additional points for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code. Please also note - purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points.
- 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
Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.
Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
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.
Make payments to existing beneficiaries and manage your personal accounts easily and securely with the ZestOnline Banking .
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.
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
To be eligible for a Zest Bank Credit Card you need to:
If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch
Introductory rates only apply if you haven't held a Zest Bank credit card within the last six months. Balances can't be transferred from cards issued by other members of the Zest Bank Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.
*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.
If you're already registered for online banking you can apply online now.
Log on to applyCall us on: +603-9388 0474
Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)
Book your appointment to apply in branch by calling +603-9388 0474
You'll need to bring identification, proof of your address and a recent bank statement
Please note - You can only apply by phone or branch if you are an existing Zest Bank customer.
