This annual limit is calculated on a **rolling 365 days-basis**, starting from your first transaction at our partner merchants on or after 22 January 2020.

Example:

- Eric spends SGD 5,000 on 25th Dec 2019
- Eric spends SGD 10,000 on 20th Jan 2020
- Eric spends SGD 2,000 on 30th Jan 2020
- Eric spends SGD 8,000 on 31st Dec 2020
- Eric spends SGD 4,000 on 1st Jan 2021

First transaction for Eric on/after 22nd Jan 2020 was the SGD 2,000 spend on 30th Jan 2020.

Hence, the sum of all transactions happening from 30th Jan 2020 to 29th Jan 2021 is SGD 14,000.

Eric's remaining Annual Spending Limit would be SGD 16,000 until 29th Jan 2021.

On 30th January 2021, Eric will be able to spend an additional SGD 2,000.

His remaining annual limit will hence be SGD 18,000 on 29th Jan 2021 and SGD 26,000 on 30th Dec 2021 (if no additional spending is accrued).