Up to 1% unlimited cash back

With your Hong Leong Essential Credit Card, you always get something back. Whenever you use it for shopping, dining, travelling or anything else, you'll enjoy up to 1% cash back on your purchases. And there's no cap on how much you can get.

0.6% unlimited cash back on insurance transactions
Other retail transactions:
0.6% cash back on first RM5,000 spend (tier 1)
1% unlimited cash back on subsequent spend (tier 2)

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anyone here can confirm the first RM5k have 0.6 % then 1% on subsequent spend is based on monthly basis or yearly basic (accumulated)? TQ

Thank....I think so