is a co brand bank card loyalty program sponsored between issuer bank and partner education institution that give rewards in form of learning hours rights that accumulated to bigger units which are credit hours rights given to cardholder with his spending by card , accumulated credit hours rights will be redeemed when he take education course at this partner education institution , In return for given credit hours rights , bank will make interchange fees share agreement with this institution . The project target is to financially support people to attain education goals and education sector .
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