Main Credit
NJOI Main Credit will have an expiry date of 90 days from the day of your last top-up. Upon expiry, your expired credit will no longer be available for use. Performing a top up before the expiry date of your credit will renew the expiry date of the total credit amount in your prepaid account. It will override the previous expiry date and give another 90 days of validity from the day of credit top up.

Bonus Credit
NJOI Bonus Credit is valid for 30 days from the date it is awarded. Any new Bonus Credit awarded before the expiry date will extend the validity of the total Bonus Credit balance by another 30 days from the date the latest Bonus Credit is awarded. Upon expiry, any unused Bonus Credit will no longer be available for use.