It's easy to earn points - use your card for everyday purchases. Participation in the program is free and you and your authorized users are automatically enrolled.

Basic terms and definitions

Creditable account An open account with a top-up entitlement

Base Points — The number of points you earn with each purchase

Billing Cycle —The period between monthly bills or monthly statements as defined in your credit card agreement

Bonus Points —The number of additional points you can earn with each purchase, subject to the terms of certain bonus offers or sign-up-based programs

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