LOCAL RETAIL SPENDING | RM1 = 1 Travel$ |
OVERSEAS RETAIL SPENDING | RM1 = 5 Travel$ |
Amount charged to the OCBC 90⁰N Visa Card
|
Travel$
|
Every RM1 for Total Retail Spending done locally | 1 |
Every RM1 equivalent in foreign currency for Total Retail Spending done overseas OR online transactions made in currency other than Ringgit Malaysia. | 5 |
Retail Spending (Transactions below are included for Travel$ calculation)
|
Non-Retail Spending (Transactions below are excluded for Travel$ calculation)
|
(i) Local and overseas/foreign currency purchase | (i) Easy Payment Plan (EPP) |
(ii) Auto Debit/Recurring | (ii) Balance Transfer (BT) |
(iii) E-commerce/Online Purchases | (iii) Call for Cash (CFC) |
(iv) Instalment Payment Plan (IPP) | (iv) Outstanding Balance |
(v) Mail Order/Telephone Order | (v) Cash Advance |
(vi) Finance Charge | |
(vii) Annual Fee | |
(viii) Late Payment Charge | |
(ix) Reversal on Transaction | |
(x) Disputed Transaction | |
(xi) Fraudulent Transaction | |
(xii) Card Replacement Fee | |
(xiii) Service Tax | |
(xiv) Other Fees and Charges | |
(xv) Donations to Charitable and Social Service Organisations | |
(xvi) Government-related payments |
Opening Travel$ Balance
|
Purchased item (RM) and Travel$ earned
|
Closing Travel$ Balance
|
0 Travel$ | RM300 local spend = 300 Travel$ earned | 300 Travel$ |
Opening Travel$ Balance
|
Travel$ to be deducted for return of purchased item
|
Closing Travel$ Balance
|
Shortfall charged to OCBC 90⁰N Visa Card account
|
100 Travel$
(after redemption) |
RM300 refunded = 300 Travel$ to be deducted | 0 Travel$ | (100 Travel$ - 300 Travel$) x current redemption rate = RM0.40 |
Opening Travel$ Balance
|
Purchased item (RM) and Travel$ earned
|
Closing Travel$ Balance
|
0 Travel$ | RM300 spend = 300 Travel$ earned | 300 Travel$ |
Opening Travel$ Balance
|
Travel$ to be deducted for return of purchased item
|
Closing Travel$ Balance
|
Shortfall charged to OCBC 90⁰N Visa Card account
|
300 Travel$ | RM300 refunded = 300 Travel$ to be deducted | 0 Travel$ | N/A |
Travel Spending
|
Merchant Category Code (“MCC”)
|
Remarks
|
Airlines and Air Carriers | 3000 – 3299, 4511 | |
Car Rental Agencies | 3300 – 3441, 7512 | |
Lodging – Hotels, Motels, Resorts | 3501 – 3838, 7011, 7012, 7033 | |
Passenger Transportation | 4111, 4112, 4121, 4131, 4411, 4457, 4784, 4789 | Includes Ferries, Taxicabs and Limousines, Bus Lines, Passenger Railways, etc. |
Travel Agencies & Tour Operators | 4722, 4723 | Includes Charter Buses, Tour Buses, Tour Operators, Travel Packages, etc. |
Tourist Attractions & Exhibits | 7991, 7996, 7998 |
Includes Amusement Parks, Museums, Aquariums, Zoos, Exhibits, etc.
Excludes Recreation Services such as Golfing, Skiing, Sky Diving, Horseback Riding, etc. |
Minimum Total Aggregate Retail Spending in Preceding Year
|
PPL Access in a Year
|
RM30,000 | Two (2) |