Smart Benefits

Recognition – Get credit for paying on time
Reward – Earn MORATORIUM points automatically
Relief – Redeem points for up to 4 months of bill payment + zero-interest repayment up to 12 months
Coming soon – Use points for rental deposits & property downpayment

Next-Level Advantages

Double Your Rewards
Keep earning from your bank while collecting MORATORIUM points

Stretch Your Cashflow
Pay major bills using credit card for 20–50 extra days or convert into instalment via your bank

Ambassador Perks
Invite friends and earn ongoing MORATORIUM points when they pay on time (T&C apply)

How to Join

Membership is by invitation only
Choose your dedicated butler or request one below

Membership Levels