Best No Annual Fee Credit Cards in Malaysia

RHB Smart Value Visa Card

Be a smart spender and get up to 5% cashback on petrol, groceries, utilities and online purchases. Always on-the-go? Get covered with complimentary travel insurance of up to RM100,000.

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Citi Cash Back Platinum

Spend and save with Citi Cash Back Platinum credit card and earn up to 10% cashback on petrol, groceries, dining and even Grab rides!

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Standard Chartered JustOne Platinum MasterCard

Shop online, swipe on petrol and setup auto-billing to enjoy great rebates up to 15% each month with the cashback card that's designed for the savvy user.

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Public Bank Quantum Visa

A Free-for-Life card promises 5% cashback and up to 2 VIP Points when you swipe it at your favorite restaurant, cafe or clothing brands anywhere.

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Alliance Bank You:nique - Great Rewards

Maximise your rewards and earn points faster on your shopping with the Alliance Bank You:nique credit card. Personalise your card with your favourite picture, for free!

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CIMB Tesco Platinum MasterCard

No Annual Fee Platinum MasterCard that earns up to 5% cashback on all Tesco purchases every day, plus an extra 1x Tesco Clubcard Points.

Citi Simplicity

Get 10% interest back on finance charges when you make minimum monthly payment on time and in full. Cut the drama with no late, over limit and annual fees!

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AmBank TRUE VISA Credit Card

A card for Millenials. Enjoy 3% cashback on online retail transactions, low first-year finance charge of 7.99% and cash management facilities.

Standard Chartered Visa Platinum

Earn 5x rewards points each time you swipe on dining, department store and overseas purchases. Spend a minimum of RM1,500 a month to get an extra 5,000 bonus points, on either your principal or supplementary card!

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Public Bank Visa Platinum

Giving you 0.2% Cash MegaBonus on retail spending, annual fee waiver, free travel insurance and contactless payment at the checkout - a truly platinum lifestyle.

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RHB Platinum Visa

Travel your way up with a Platinum credit card that gives Reward Points, Airport Lounge access, free travel insurance and golf privileges too.

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AEON BiG Visa Gold

Grocery shopping will never be boring and dull anymore with all the reward points and rebates you'll get on every swipe!

Shell-Citi Gold Credit Card

New enhanced Shell-Citi Gold Credit Card - combine all your spending to earn cash rebates of up to 8% on petrol at any Shell station nationwide.

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CIMB Cash Rebate Platinum MasterCard

Splurge online or spend on your daily needs and get rewarded with up to 5% cash rebates on cinema, groceries, petrol, mobile and utilities, 2% on foreign currency spend and 0.2% cash rebates on everything else!

UOB PRVI Miles Card

Enjoy UNIRinggit Reward Points, SMART$ Rebate and 1% overseas retail cashback, plus 50% off to and forth KLIA/KLIA2 using ride-hailing service and Air Miles redemption.

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Hong Leong Mach Visa

Get up to 10% cashback all day, every day with 12 unique categories to choose from for your ever changing lifestyle. Simple and fast application.

Alliance Bank You:nique - Great Rebates

Get cashback as high as 3% on the things you spend the most money on with your uniquely personalised Alliance Bank You:nique credit card.

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UOB VOX Visa

UOB VOX Visa was made for Internet shopping - Get attractive cashback when you buy stuff online, or convert your big purchases with low interest EPP.

UOB YOLO Visa

Take chances in life with UOB YOLO Visa. Get 8% cashback when you spend on online, dining and travel, apart from exclusive deals and discounts all year long.

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Public Bank World MasterCard Credit Card

A premium travel credit card gives Air Miles, 3x complimentary airport access, free travel insurance and e-Commerce purchase protection for free of annual charge!

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ICBC UnionPay Dual Currency Platinum

Live the Platinum life and enjoy free premier service at selected airport lounges in China. Preferential Ringgit to Renminbi exchange rates with no extra fees.

Alliance Bank Visa Platinum

Platinum travel privileges all over the world, MAS Enrich Miles, and AirAsia BIG points make this an ideal Alliance Bank credit card for frequent flyers.

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OCBC MasterCard Pink

Explore the sweeter side of life with OCBC MasterCard Pink. No annual fee ever and up to 1% unlimited cashback on your retail spending, anytime, anywhere.

AEON BiG Visa Classic

Get rewarded in daily things that you do - from grocery shopping to filling up petrol. Cash rebate, reward point or discount, you name it; they have it.

OCBC MasterCard Blue

Feel the steely confidence of the OCBC Mastercard Blue. Uncapped up to 1% cash rebate on all your retail spending and an annual fee that's waived for life.

RHB Visa Signature

A free-for-life travel and cashback credit card for mass affluent that gives free travel insurance, golf privileges and complimentary airport lounge access.

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Public Bank Petron Visa Gold

A dedicated petrol cashback credit card for Petron patrons. Earn up to 5% Cash MegaBonus on fuel and non-fuel purchases at Petron Service Station nationwide.

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

AmBank Visa Platinum

Supercharge your holidays with the Ambank Platinum credit card - free airport lounge access, travel insurance, and 24-hour MasterCard Customer Service

Citi PremierMiles Visa Signature

Welcome your VIP lifestyle with unlimited access to selected airport lounges, free rides home from KLIA, and fast air miles conversion for free flights!

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Affinbank World MasterCard

Embrace a world of privileges such as insurance above RM1 million, free entry to airport lounges worldwide, and 24/7 MasterCard concierge services.

CIMB Enrich World MasterCard

A truly travel credit card gives you 8x access to MAS golden lounge, Enrich Miles conversions, exclusive golf privileges and complimentary insurance coverage.

Hong Leong I'm Card

Got a motivational quote that you live and breathe by? Have it printed on your card! Enjoy zero annual fees with seamless 24-hour online banking.

RHB Platinum Business MasterCard

If your world is business and your business is around the world, the RHB Platinum Business MasterCard credit card is definitely for you.

Alliance Bank Visa Infinite

No limits on your Timeless Bonus Points when you swipe for retail purchases. Fly for free with MAS and AirAsia miles redemption for your next holiday getaway!

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AmBank Visa Infinite

Enjoy infinity access to Plaza Premium Lounge, higher reward points, Air Miles conversion and RM2 million travel insurance in a premium Visa Infinite card

GSC - Hong Leong Platinum Visa

The ultimate movie card. Enjoy Bonus Value Privileges of RM100 to pay off up to 50% of your ticket price. Plus, exclusive dining privileges and priority ticket purchases only at GSC.

OCBC Great Eastern Platinum MasterCard

Exclusively for Great Eastern policyholders a credit card that allows you to pay for purchases and bills, as well as covers you up to RM100,000 insurance coverage on death and TPD!

Alliance Bank You:nique - Great Rates

Enjoy great savings and amazing interest rates with 0% for your first 3 months' spending. Choose your own card image for the ultimate personalised card!

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Public Bank Visa Signature

Enjoy significant perks: 6% cash rebate, 1 VIP Point, free 2x airport lounge access, free travel insurance and annual fee waiver with every swipe of Visa Signature.

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

New AEON Visa Classic

Amazing offers from AEON stores across Malaysia and exclusive discounts at over 1500 preferred merchants mean you get more value from your shopping.

Standard Chartered WorldMiles World MasterCard

Enjoy great travel privileges and a faster way to earn AirMiles, unlimited Plaza Premium Lounge access, complimentary airport ride transfer, personal concierge and more with the WorldMiles World MasterCard.

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OCBC 365 MasterCard

No-one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fee for the three years.

Alliance Bank MasterCard Platinum

Explore the world with a credit card that gives you platinum travel privileges, Enrich Miles and BIG Points on each spend and a higher credit limit.

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GSC - Hong Leong Gold Visa

The ultimate movie card. Receive 50% off tickets of up to RM60, plus fast payment with access to Priority Ticketing Lane and up to 15% discounts on food and beverages at GSC.

Citi Clear Visa

Citi Clear Visa offers priority access and a host of great rewards for life in the fast lane: evergreen loyalty point, instant rewards, zero liability and many more!

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OCBC Platinum MasterCard

Enjoy unlimited privilege with the new OCBC credit card. Worldwide access to personalised premium services and exclusive VIP benefits.

CIMB Preferred Visa Infinite

A premier credit card that rewards Bonus Points, unlimited airport lounge access, travel insurance coverage and preferential foreign exchange rate!

AmBank BonusLink Visa Platinum

A card that not only collect BonusLink Points but also let you indulge in the comfort of Plaza Premium Lounge while enjoying more discounts twice per year

OCBC World MasterCard

All the world's a stage with OCBC. Travel in style with instant access to KLIA Plaza Premium Lounge, free travel insurance, and 24/7 concierge!

ICBC Visa Platinum

ICBC Visa Platinum is your ultimate travel companion offering free Global Travel and Purchase Protection

Public Bank AIA Visa Gold

A gold cashback credit card gives 2% cash rebate on AIA Insurance Premium payments, 0.1% Cash MegaBonus and a free pass when you open a current account.

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Alliance Bank Visa Gold

Enjoy thrilling discounts, Timeless Bonus Points that never expire on every Ringgit spent with your Alliance Bank Visa Gold card.

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Citi Rewards Visa Signature

Enjoy the luxury of global access and 5x Rewards Points not only at your favorite department stores and supermarket, but worldwide.

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AEON Platinum Visa

Rebates and rewards all year round with AEON Platinum Visa. Enjoy free access to airport lounge, AEON lounge and instant approval on AEON personal financing!

AEON The Japan Club of Kuala Lumpur Visa

To all our Japanese visitors and counterparts, this card is gives you exclusive access to the best deals in town tailor made only for you.

Hong Leong Sutera Platinum Card

Earn Reward Points every time you spend locally and overseas. Plus get free access to Plaza Premium Lounge and travel insurance coverage of up to RM1.7 million.

Citi Business Platinum Card

A unique card that balances your business and lifestyle needs, both locally or abroad. Whenever and wherever you spend, you earn cash back.

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Citi Cash Back Credit Card

Get attractive cashback of up to 10% on all your spending from petrol to groceries, grab rides, dining and many more with Citi Cash Back Credit Card.

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Alliance Bank MasterCard Classic

Earn your way to free air tickets from Malaysia Airlines and Air Asia wherever you swipe. Book your next holiday with reward points that never expire!

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BSN 1 TeachersCard MasterCard

A card designed for teachers and educators all over Malaysia. Take advantage of zero annual fees, low interest rates, and a great rewards programme!

Hong Leong Essential

Specially designed to give you greater financial freedom and flexibility - 1% unlimited cashback all the time. Less plastic, more power!

The Store Pacific Hong Leong Gold MasterCard

Enjoy up to 6% cashback when you spend at The Store and Pacific and 0.5% cashback on all other retail transactions.

CIMB Platinum MasterCard

Pay for your purchases with Bonus Points, or with interest free instalment plan for 36 months. Discover amazing privileges when you shop and dine with your CIMB Platinum Credit Card.

Hong Leong Visa Infinite P

Only for the very exclusive - Enjoy getting pampered at Priority Pass airports lounges worldwide, to escape from the busy departure hall crowd.

Hong Leong Visa Infinite

Expand your horizons - Travel with style with the Hong Leong Visa Infinite with complimentary airport lounge access and MAS Enrich Miles

New AEON MasterCard Classic

Access to discounts at over 500 shopping outlets. Enjoy cashback for any purchases at AEON Stores nationwide. Redeem AEON Gift Voucher with less rewards points.

SOGO RHB Credit Card

Spending at Sogo gains you up to 5% cashback from RHB, in addition to earning S-Points with the KL SOGO S Card Membership Programme.

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Alliance Bank MasterCard Gold

Swipe your way to your dream vacation with this card! Earn up to 2x Timeless Bonus Points and free air miles will be yours sooner than you think!

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RHB Smart Value MasterCard

Get more value out of your spending with up to 5% cashback on petrol, groceries, utilities and online purchases. Always on-the-go? Get covered with a complimentary travel insurance.

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Alliance Bank Visa Classic

Every swipe on retail purchases locally and overseas brings your closer to next holiday! Redeem up to 1,000 air miles from MAS or AirAsia each time you convert your reward points.

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AmBank Visa Gold

With no annual fees, premium travel privileges and worldwide recognition, the AmBank Gold Visa is definitely a card without boundaries.

New AEON Visa Gold

With special discounts at every AEON store nationwide and access to deals at over 1500 partner stores your shopping gets a whole lot more value.

Affinbank Visa Gold

A simple credit card jam-packed with benefits and credit lines for your convenience. Enjoy first year annual fee waiver plus low finance charge of 12% p.a. an interest rate rebate for prompt credit card bill settlement.

CIMB Petronas Platinum MasterCard

Be a Smarter Driver - Get petrol cash rebates for all transactions made at PETRONAS nationwide and grab exciting discounts and offers on auto-related products and services.

Affinbank MasterCard Classic

Enjoy low finance charge from 12% p.a. with interest rate rebate every month, extensive line of credits and redeemable items under AFFIN Rewards Points Loyalty Program.

HSBC Premier World MasterCard

Great Rewards Points credit card - Exclusively for HSBC Premier account holders, a premium credit card that rewards you when you shop and travel.

AEON MasterCard Gold

Escape from the boredom before boarding with AEON MasterCard Gold that grants you access to KLIA Plaza Premium Lounge up to 6x a year!

Affinbank Touch 'n Go MasterCard Gold

Get in the fast lane with this 2-in-1 credit card, allowing you to spend smartly, get rewarded for spending and skip long queue at toll booths.

Alliance Bank Business Platinum MasterCard

Extra savings on each business transactions with a platinum MasterCard that gives you an extended interest-free period and cashback on all purchases.

Hong Leong Fortune Card

The new Hong Leong Fortune Credit Card with Real Cash Earnings, where you'll be rewarded every time you use your credit card. Get Cash not Points!

AmBank Visa Signature

Stay protected with up to RM1 million in travel insurance, earn 3x AmBonus Points and enjoy dining and hotel discounts and perks - be treated like a royal

AmBank BonusLink Visa Gold

Collect BonusLink Points wherever and whenever you are - double the points for spending at selected merchants and get 3x more points on other retail transactions

Alliance Bank Allianz Insurance Visa Platinum

Exclusive customised credit card for agents and employees of Allianz General Insurance Company (AGIC) Malaysia. Unlimited 0.3% cashback on spending at Allianz general insurance.

Alliance Bank Visa Infinite Business Credit Card

Enjoy better cash flow and 56 days interest-free on purchases to make your business run. Your choice of cashback or reward points for the money spent.

RHB Premier Visa Infinite

Your golfing, traveling, shopping and dining companion. Indulge in endless luxury at zero annual fee - reserved only for the ultra high net worth individuals.

Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless

Spend and get rewarded. Enjoy a low finance charge and interest rate rebate on minimum credit card monthly bill payment and 1x AFFIN Rewards Points on Ringgit spent on retail purchases.

MyEG-RHB Credit Card

Get rewarded with 5x Reward Points when you pay your utility bills, renew your road tax, or use any existing MyEG services online or at the counter.

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AmBank Platinum MasterCard

Enjoy Platinum benefits: 2x premium airport lounge access, free travel insurance, hotel and dining privileges and AmBank private banking admission

Alliance Bank Chinese Independent Schools Visa Gold

Join the efforts to improve Chinese schools' education by contributing part or all your Timeless Bonus Points to any Chinese Independent Schools of your choice - all in the name of charity.

RHB Visa Infinite

Collect Reward Points faster when shopping abroad and redeem Air Miles at any time as they are non-expiry! Couple the journey with free airport lounge access and travel insurance.

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Alliance Bank Allianz Insurance Visa Gold

Credit card designed exclusively for agents and employees of Allianz General Insurance Company (AGIC) Malaysia. Enjoy 0.3% unlimited cashback on your monthly Allianz insurance premiums.

Public Bank Platinum MasterCard

Enjoy the privileges of VIP Points, annual fee waiver, complimentary insurance plans, contactless payment and opening of a current account without an introducer!

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

ICBC UnionPay Dual Currency Classic

The only dual currency Classic Credit Card that allows you to charge in Renminbi while in China and Ringgit everywhere else in the world.

ICBC Visa Gold

A gold credit card that give you instant acceptance in China and access to the world's largest bank

AmBank World MasterCard

Because golfing and business are like butter and toast. Get 50% off on Green Fee, unlimited premium airport access and Air Miles conversion with World MasterCard

AIAFAM-BSN Visa Platinum Business

Get a AIAFAM life insurance you deserve at a discount and also enjoy more savings whenever you make any retail purchases, be it local or overseas!

RHB Platinum Business Visa

If your world is business and your business is around the world, the RHB Platinum Business Visa credit card is definitely for you.

RHB Platinum MasterCard

Practice your golf swing for free with a flash of RHB Platinum MasterCard, plus receive travel perks such as free insurance coverage and airport lounge access.

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The Store Pacific Hong Leong Platinum MasterCard

Enjoy up to 6% cashback when you spend at The Store and Pacific and 0.5% cash back on all other retail transactions.

AmBank BonusLink Visa Signature

Get special discounts at over 300 premium golf clubs worldwide, 5x access to airport lounges and collect up to 3,000 BonusLink Points - all in one exclusive credit card

Public Bank Visa Commercial

Give yourself and your company a controlled line of credit for efficient cash flow management - only for registered public and private companies.

CIMB World MasterCard

Premium travel MasterCard that takes you to explore the World with great discounts, benefits and privileges at zero annual fee.

OCBC Cashflo MasterCard

Enjoy 0% interest rates on your more exorbitant purchases stress free with a card that manages itself. Let it convert your shopping automatically under a 0% installment plan.

Public Bank Quantum MasterCard

Have no annual fees for life and get more spending benefits out of your credit card such as 5% cashback, 0% EPP and VIP Points!

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

HSBC Advance Visa Platinum

Exclusively for new and existing HSBC Advance customers, earn Reward Points with every Ringgit spent and redeem benefits from HSBC privileges and rewards programs.

Alliance Bank CPA Australia MasterCard

An exclusive credit card for Malaysian CPA Australia members. There's no annual fee and you can opt to settle your CPA exam fee by installment at 0% interest!

Hong Leong Platinum Business MasterCard

The Hong Leong Platinum Business Credit Card is designed to complement your daily business needs by managing your cash flow at a lower cost, giving you better control over your business expenses.

ICBC UnionPay Dual Currency Gold

Go gold with the ICBC UnionPay Dual Currency Gold credit card. Now you can charge all your shopping and business expenses in Renminbi when in China.

Citi Rewards World MasterCard

Entitlement, rewards and privilege are what follow when you have the Citi Rewards World MasterCard. Enjoy the exclusivity of World MasterCard status.

Standard Chartered Cashback Platinum MasterCard

A Platinum credit card that offers you tons of rewards and privileges. Have the convenience of worldwide acceptance and year long deals and discounts.

Alliance Bank Chinese Independent Schools MasterCard Gold

Contribute your Reward Points to the any Chinese Independent School of your choice. Pledge 50% or 100% of your Timeless Bonus Points, the choice is yours.

Public Bank Gold Visa

Love shopping? Earn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into an interest-free flexi payment plan

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

Affinbank MasterCard Gold

Low interest rate MasterCard Gold credit card with no annual fee. Enjoy comprehensive line of credits as well as loyalty points on retail spending.

Affinbank Touch n Go MasterCard Classic

Tired of the long queue at every toll booth? Get in the fast lane with this 2-in-1 credit card with built-in Touch n Go and line of credits for your convenience

Affinbank Visa Classic

Spend to your heart's content while managing cash flow effectively. Enjoy interest charges for as low as 12% and annual fee waiver every year.

Public Bank Visa Infinite

No annual fee for life premium credit card offering unlimited Cash MegaBonus and Air Miles with every spending, free travel insurance and 3x airport lounge access.

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

Public Bank Gold MasterCard

Packed with amazing perks: unlimited 0.1% Cash MegaBonus, annual fee waiver, flexible credit card instalment plans, and exclusive deals and discounts.

Complimentary RM200 AEON Voucher- Only at RinggitPlus!2018-02-222018-07-31

RHB World MasterCard Credit Card

Enjoy up to 6% cashback on your dining, petrol and travel. What's more - complimentary golf privileges, travel insurance and airport lounge access.

More for Your Raya! Choose 1 & Get 3 Gifts!2018-02-142018-12-31

ICBC Visa Classic

A classic card that is supported by the prestigious ICBC bank, offering you global merchant benefits and overall worldwide acceptance.

AEON MasterCard Classic

The everyday AEON MasterCard Classic Credit Card comes with exclusive offers from AEON Stores nationwide, payment flexibility, higher discounts and exclusive privileges.

New AEON MasterCard Gold

Earn rewards faster and get exclusive offers from AEON stores. Enjoy special discounts at over 1500 AEON partner stores nationwide.

Public Bank Visa Business

Take charge of your business with the Public Bank Visa Business. Provide your employees with a secure line of credit and concentrate on growing your business.

AEON Visa Classic

The everyday AEON Visa Classic Credit Card comes with exclusive offers from AEON Stores nationwide, payment flexibility, higher discounts and great privileges.

Standard Chartered Platinum MasterCard Basic

A credit card for beginner that waives annual fee for life and gives reward points for every Ringgit spent. To manage your finance right, you need to begin right.

AmBank CARz Platinum MasterCard

A Platinum credit card for motorists jam-packed with auto-related benefits: up to 5% petrol rebate, discounts on auto parts and services, and RM1 million travel insurance

AmBank CARz Gold Visa

Fuel up at any petrol stations and earn up to 3% cash rebate. Swipe at all retail purchases to collect CARz Points and redeem auto-related benefits.

AEON Visa Gold

The everyday AEON Visa Gold Credit Card comes with exclusive offers from AEON Stores nationwide, payment flexibility, higher discounts and exclusive privileges.

CIMB Enrich World Elite MasterCard

Exclusive regional golf privileges, Priority Booking for Malaysia Airlines, world travel concierge and comprehensive insurance protection - all in one premier credit card.

AmBank MasterCard Gold

No frill basic Gold card that help pay for your purchases and protect you with RM500,000 travel insurance coverage.