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5. Is my Smart/Payment Account eligible for "Year of Cardholding Offer"?

If you have held your credit card for 11 years or above, your Smart / Payment Account will be eligible for "Year of Cardholding Offer". If you only have a Smart / Payment Account without a credit card, you will not be eligible for the "Year of Cardholding Offer".

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Reminder: To borrow or not to borrow? Borrow only if you can repay!