1. Saving up to 12% interest per annum
2. Reduce minimum payment up to 44.4%
3. Can settle outstanding balance within 3 years
4. Allow to pay minimum payment of the minimum payment
5. Refresh record for increasing credit limit
6. Can save 6.5% before processing
7. No processing Fee
8. 100% Approval
9. No Cash Advance Fee
10. Can collect points
11. Allow transfer from one bank to another bank. (If got early settlement, some bank only charges less than RM50, some are not.)

NOTE: Currently is applicable for Malaysian only.