Malaysian Credit Cards Reviews

Citi Cash Back Platinum

Wishing you could earn cash rebates on all your daily spending, all the time? Then the Citi Cash Back Platinum is the perfect credit card for you. With no minimum spending requirement, earning cash back couldn’t be easier with this credit card. Read our full review

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

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Standard Chartered JustOne Platinum MasterCard

Swipe on the monthly essentials with your Standard Chartered JustOne Platinum MasterCard and get great cash rebates on petrol, online purchases and bills that are setup for auto-billing. You'll also earn 0.2% cashback on all other transactions, giving you extra savings all year round. Read our full review

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.

Get a Amazfit Pace & Win a Volkswagen Polo Car!2017-01-052019-03-31

Fly for Free & Win a Volkswagen Polo Car!2017-01-052019-03-31

Get 2 Free Return Domestic Flight Tickets with Your New Standard Chartered Card!2017-01-052019-03-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-01-052019-03-31

RHB Cash Back Visa Credit Card

Live an extraordinary day with RHB Cash Back Visa Credit Card, a credit card that earns you Cash Back for your daily needs. Read our full review

Get up to 10% cashback when you spend on petrol, dining, utility, grocery and online food & grocery delivery - a credit card that meets your daily needs.

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

AEON Platinum Visa

Cashback up to 5%

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!

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

RHB Rewards Visa Credit Card

Elevate your lifestyle with RHB Rewards Visa Credit Card, a credit card that rewards you up to 10X for your lifestyle spends. Read our full review

Up to 10x rewards points for spending on Movie Tickets, Overseas, Online & E-wallet, Health, Insurance and Shopping.

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

Public Bank Quantum Visa

No Annual Fee

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.

Complimentary RM200 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

Alliance Bank You:nique - Great Rewards

Alliance Bank You:nique - Great Rewards is a unique credit card that features personalized card face, offers reward points for every Ringgit spent on retail transactions and an annual fee waiver for the first 3 years! Read our full review

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!

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

CIMB Cash Rebate Platinum MasterCard

Cash rebate credit cards are popular among Malaysians, used correctly they are a great way to save money. CIMB Cash Rebate Platinum Credit Card is a heavyweight in this category, offering cardholders up to 5% cash rebates on a wide range of categories. Read our full review

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!

HSBC Visa Platinum

Who doesn't love being rewarded while spending money? HSBC Visa Platinum gives you extra rewards and benefits when you spend, both in Malaysia and overseas! Read our full review

Meet your new shopping buddy. Grab up to 8X reward points on your purchases at the mall, and claim for awesome dining and travel rewards!

Get a Vivo Y81i & Win a Volkswagen Polo Card! 2018-06-052019-02-28

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-06-052019-02-28

Get 2 Free Return Domestic Flight Tickets with Your New HSBC Card!2018-06-052019-02-28

Fly for Free & Win a Volkswagen Polo Car!2018-06-052019-02-28

Standard Chartered Visa Platinum

Order anything you want on the menu or trot around the globe in style, but don’t forget to take Standard Chartered Visa Platinum with you to reap an array of exclusive benefits and privileges – the sky is the limit! Read our full review

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!

Get a Amazfit Pace & Win a Volkswagen Polo Car!2017-01-052019-03-31

Get 2 Free Return Domestic Flight Tickets with Your New Standard Chartered Card!2017-01-052019-03-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-01-052019-03-31

Fly for Free & Win a Volkswagen Polo Car!2017-01-052019-03-31

Citi Simplicity

The world of credit just got a lot simpler with the new Citi Simplicity.  Read our full review

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!

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

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.

UOB YOLO Visa

Eat, Drink, Play and repeat with UOB YOLO Visa – a cashback credit card that every millennial should have in their pocket - because you only live once. Read our full review

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.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

AEON BiG Visa Gold

Why waste your time on comparing groceries price list of different hypermarket when you can save more with AEON BiG Visa Gold Credit Card? Get the most out of your grocery shopping with all the cash rebate and reward points you deserve! Read our full review

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

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Public Bank Visa Platinum

Elevate your credit card game in sync with your income status with Public Bank Visa Platinum - a card that speaks your needs with benefits, privileges and uniqueness of its own. Read our full review

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.

Complimentary RM200 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

Shell-Citi Gold Credit Card

If you are a road warrior, you will love Shell-Citi Gold Credit Card. This credit card is a smart partnership between Shell and Citibank to reward cardholders with cash rebates on petrol spending and other expenditures. Read our full review

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.

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Alliance Bank You:nique - Great Rebates

Alliance Bank You:nique - Great Rebates is a unique credit card that features personalized card face, offers unlimited cashback for every Ringgit spent on all transactions and an annual fee waiver for the first 3 years! Read our full review

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.

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

Hong Leong Wise Gold

Crazy for cash rebates and not getting enough of it? Fret not. Hong Leong Wise Credit Card is here to save the day. Said to offer the highest, fixed cashback rate in town, Hong Leong Wise Credit Card is definitely a force to be reckoned with. Read our full review

Enjoy 10% cashback from Hong Leong Wise, the only credit card that rewards you with 10% cash back all day, every day, even overseas.

UOB One Visa Platinum

Get cashback on-demand with the UOB ONE Visa Platinum credit card. You’ll get extra savings on fun-filled weekends and exclusive dining discounts! Read our full review

Enjoy daily rebates: up to 8% cashback for all everyday spending with ONE Platinum card. Save more with SMART$ Rebate of up to 10%.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

Maybank Visa Signature

5% CashBack

A card that pays for your lifestyle with up to 5x TreatsPoints for grab and 5% cashback on petrol and groceries spends. Enjoy VIP treatment with VISA speed pass and 24-hour concierge service.

AEON BiG Visa Classic

Turn your mandatory and monotonous grocery shopping moment into an exciting savings adventure with AEON BiG Visa Classic credit card! This credit card gives you cash rebate and reward points in almost every way. Read our full review

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.

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Hong Leong Mach Visa

If you enjoy being out and about, Hong Leong Mach Visa credit card will be the ideal card for you. With this credit card, you can earn cashback on retail purchases based on your preferred choice of lifestyle spending. Read our full review

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.

Public Bank World MasterCard Credit Card

Enter into a world of financial luxury with a twist of traveling perks with Public Bank World MasterCard Credit Card, suitable for high net worth individuals looking to simplify expenses in one premium credit card. Read our full review

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!

Complimentary RM200 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

HSBC Visa Signature

Wouldn’t it be nice to have a credit card that rewards you more every time you travel overseas? HSBC Visa Signature credit card does just that. Cardholders are also rewarded handsomely when they shop locally. Read our full review

Swipe your way to exclusive benefits and privileges including 8x reward points and shopping discounts. It's your VIP access to the world around you!

Get a Vivo Y81i & Win a Volkswagen Polo Card! 2018-06-052019-02-28

Get 2 Free Return Domestic Flight Tickets with Your New HSBC Card!2018-06-052019-02-28

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-06-052019-02-28

Fly for Free & Win a Volkswagen Polo Car!2018-06-052019-02-28

UOB PRVI Miles Card

The best traveling credit card that ensures you save more while reaping the benefits of spending, UOB PRVI Miles Card is the name of the game.  Read our full review

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.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

ICBC UnionPay Dual Currency Platinum

ICBC UnionPay Dual Currency Platinum credit card is your ultimate travel companion for your next trip to China. All the travel benefits under this card are designed to enhance your pleasure and peace of mind when checking in at the airport, or when trekking the Great Wall of China. Read our full review

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.

UOB Basic Card

Go back to basics with UOB Basic Visa Card that is packed with cash rebates, affordable and flexible payment plan and monthly fee waiver upon transaction. Read our full review

A basic visa credit card that is packed with cash rebates, affordable and flexible credit lines, and fee waiver every month upon transaction.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

Alliance Bank You:nique - Great Rates

Alliance Bank You:nique - Great Rates is a unique credit card that features personalized card face, offers lower interest rate for credit card outstanding balance and an annual fee waiver for the first 3 years! Read our full review

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!

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

UOB Preferred Platinum MasterCard

A preferred lifestyle begins with the right credit card. The UOB Preferred Platinum MasterCard is by-invitation only credit card that gives high cashback rate of 10%! Even more rewarding when you can turn SMART Dollar into cash. Read our full review

Enjoy 10% cashback on utilities, dining and online checkout, plus SMART$ Rebate of up to 10% with every swipe of UOB Preferred Platinum MasterCard.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

Alliance Bank Visa Platinum

As Malaysia is progressing to become a cashless nation by 2050, owning a credit card will be an essential for every Malaysian. This reward Visa Platinum credit card from Alliance Bank is among the best travel credit cards in Malaysia that average middle income earners can afford. Read our full review

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.

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

UOB Lady's Platinum MasterCard

The credit card that every shopaholic can relate and confess to, the UOB Lady's Platinum MasterCard. Designed for independent women who make RM48,000 per year. Enjoy a wide array of beauty, fashion, dining and shopping privileges as well as cash rebates. Read our full review

UOB Lady’s Platinum MasterCard unlocks a rich new world of exclusive benefits great discounts on fashion, beauty and wellness, dining, and travel.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

AmBank BonusLink Visa Gold

10x BonusLink Points

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

OCBC MasterCard Pink

If owning all that is pink is in your Bucket List, you should have your eyes on the OCBC Mastercard Pink. It is easily accessible, gives you cashback savings on your spending, and you will stand a chance to receive amazing sign-up gifts and promotions. Plus, it's pink! Did we mention that already? Read our full review

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.

OCBC MasterCard Blue

A great entry level credit card, suitable for young working professionals to start taking advantage of a credit line. Enjoy a range of benefits in Malaysia, Singapore, and Indonesia.  Read our full review

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

Fresh pressed out of the credit card oven comes the RHB Signature Credit Card. A Visa Signature card with a slight twist - it offers cash back on both domestic and international spending, a feature relatively unheard of in the Malaysian Signature credit card scene. Read our full review

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

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

Public Bank Petron Visa Gold

Weekly oil price revision has got you all nervy and expecting the worst? Don't be as Public Bank Petron Visa Gold has got your back and ensuring you gain more savings, flexibility and benefits with a swipe of a card. Read our full review

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 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

Maybank American Express Cash Back Gold

If you love the idea of getting your money back after spending any amount, any day on any retail items with your credit card, Maybank will make your wish come true with its brand new American Express Cash Back Gold credit card. Read our full review

Grocery shopping and retail therapy will never be dull again with Amex. Enjoy an unlimited cashback on local and overseas spending, and save up to 50% on exclusive dining

AmBank Visa Platinum

Who could ever imagine a piece of plastic can bring you all the shopping convenience you dreamed of. AmBank Visa Platinum gives you more than just convenience, it also makes your shopping experience a whole lot more satisfying and rewarding! Read our full review

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

Enter the world of luxury travel with Citi PremierMiles Visa Signature: the premium credit card for frequent flyers that welcomes you to the VIP life. Read our full review

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

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Affinbank World MasterCard

Treat yourself to the Affinbank World MasterCard with exclusive golf, dining, and shopping privileges. Enjoy low interest charges on your retail spending, earn attractive cash rebates, and have complete peace of mind with automatic personal accident coverage during your travels abroad. Read our full review

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

Petronas Maybank Visa Platinum

Not getting enough mileage from your petrol spending? Here is one way you can maximise your Ringgit on fuel purchases and get additional privileges as well – introducing the PETRONAS Maybank Platinum Visa. Read our full review

Free-for-life credit card that collects 8x TreatsPoints on petrol and groceries transactions every weekend. Get free Touch 'N Go Zing Card to beat the maddening rush hour crowd every day.

Hong Leong Wise Platinum

10% Cashback Everyday

Hong Leong Wise Card is the only credit card that rewards you with 10% cash back all day, every day.

RHB Rewards MasterCard Credit Card

Elevate your lifestyle with RHB Rewards MasterCard Credit Card, a credit card that rewards you up to 10X for your lifestyle spends. Read our full review

Up to 10x rewards points for spending on Movie Tickets, Overseas, Online & E-wallet, Health, Insurance and Shopping.

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

Maybank 2 Gold Cards

Unleash the power of two with Maybank 2 Gold Cards - with only a single application for Maybank 2 American Express Card, you will receive a complimentary Maybank 2 MasterCard or Visa. Read our full review

Apply for Maybank 2 Cards and pay no annual fees for your American Express and MasterCard or Visa. Extra rewards with AMEX including 5x TreatsPoints on all retail and 5% cashback on weekend spends!

CIMB Enrich World MasterCard

Accelerate your Bonus Miles earning every time you spend with CIMB Enrich World MasterCard - a travel credit card that gives your airmiles redemption and a host of privileges from dining, hotel and shopping to premium golfing in the region. Travel the world as is there is no tomorrow! Read our full review

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

You may own a credit card, but do you feel like you really OWN it? How about being reminded that "If you can dream it, you can do it." or "expect problems and eat them for breakfast!" everytime you swipe your card?  Read our full review

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

You must have come across or probably own credit cards that are tailored for travellers, shopaholic, road buff and food enthusiast. If you are planning to run your own business and wouldn't want to miss out on those benefits, RHB has a card for that too! Read our full review

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

Maybank FC Barcelona Visa Signature

Més que un club - is not just a tagline. FC Barcelona is stepping up the game with a Visa Signature credit card in partnership with Maybank, only suitable for the champions! Read our full review

Big fan of Spanish la liga? Unleash your spirit with a Visa Signature credit card that rewards up to 10% cashback on all purchases and 10% discounts on all FC Barcelona merchandises

Alliance Bank Visa Infinite

A premium travel credit card that is designed to meet the ultimate needs of high net-worth individuals: frequent flyers air miles conversion, personalized concierge services and VIP-class lounges - Alliance Bank Visa Infinite is the name of the game. Read our full review

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!

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

AmBank Visa Infinite

No Annual Fee

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

OCBC Premier Voyage MasterCard

The jet-setting lifestyle is fun, invigorating, and eventful. It’s a privilege to have breakfast in Milan and dinner on the cobbled streets of Paris. This wanderlust lifestyle however comes with a few speed bumps, travelling can be a task. The solution, the OCBC Premier Voyage MasterCard, the card that ensures the luxury voyage experience in every swipe. Read our full review

Forget the ordinary plastic credit card, take things up a notch with OCBC Premier Voyage card which is made of Duralumin, strong but lightweight alloy of aluminum. Enjoy range of personalised concierge services with a luxury touch!

GSC - Hong Leong Platinum Visa

Are you a huge movie buff? If you are, it's time to hunker down, get cozy, and watch some movies with your new Hong Leong GSC Platinum Credit Card.  Read our full review

Your pass to blockbuster experience - enjoy 10x free movie tickets upon card approval, up to 30% off on snacks, access to Priority Ticketing Lane, RM6 off movie tickets and up 3x GSC Reward Points.

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!

BSN Classic Visa

It’s a classic credit card by Bank Simpanan Nasional that gives you reward points when you spend. You’ll also get low interest on your outstanding credit balance, as well as special rates on balance transfer and easy instalment plans. Read our full review

From low interest fees to free travel insurance coverage to zero interest instalment plans, there's a lot that this card has to offer!

Public Bank Visa Signature

An all-rounder credit card catered for mass affluent segment jampacked with more values for money: 6% cash rebate, unlimited reward points, travel protection and miscellaneous banking benefits. Read our full review

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 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

AmBank TRUE VISA Credit Card

Tired of being broke in the mid month only to find out it was all because of that credit card bill? Wishing you could make your money work for you? Then this is the card every Millenial should have. Read our full review

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

New AEON Visa Classic

Is grocery shopping your cup of tea? Why not make every trip of yours a more fruitful and rewarding one with this New AEON Visa Classic credit card, you are guaranteed with something in return on every swipe you make! Read our full review

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

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Maybank 2 Platinum Cards

'Good things come in pairs' is a popular Chinese saying and Maybank 2 Platinum Cards has proven this age-old adage to be so true. Applicants of Maybank AMEX card will get a complimentary MasterCard or Visa and one statement for both credit cards. Read our full review

5x TreatsPoints and 5% cashback anywhere you go with Maybank 2 Cards on all your retail shopping, dining and petrol. What's more, no annual fees for life.

Standard Chartered WorldMiles World MasterCard

Standard Chartered Bank brings good news to frequent flyers with its travel credit card – Standard Chartered WorldMiles World MasterCard. Transform the way you travel with the card that lets you earn airmiles faster than ever while offering you comfort between trips, along with exclusive travel packages and merchant offers across the region. Read our full review

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.

Get a Amazfit Pace & Win a Volkswagen Polo Car!2017-01-052019-03-31

Get 2 Free Return Domestic Flight Tickets with Your New Standard Chartered Card!2017-01-052019-03-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-01-052019-03-31

Fly for Free & Win a Volkswagen Polo Car!2017-01-052019-03-31

OCBC 365 MasterCard

Introducing the new kid on the block - get uncapped cash rebates for just about anything you buy with the new OCBC 365 MasterCard. Avoid unnecessary fees with 20-day interest free purchases, no annual fee for your first year, and dodge late penalty fees with OCBC Paymaster automatic bill payments! Read our full review

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.

AEON Platinum MasterCard

Cashback up to 5%

Get 5% cashback at AEON and AEON BiG every month and up to 4x AEON Reward Points with Platinum MasterCard. That's not all, enjoy complimentary access to airport lounge and movie rebates as well!

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Maybank Manchester United Visa Infinite

Launched by Manchester United legend, Peter Schmeichel, the new Maybank Manchester United Visa Infinite credit card is the first ever Manchester United co-branded premium card in the world. For such high stakes, what does MU Visa Infinite offer? Read our full review

Special discounts on The Red Devils merchandises, dining at Red Cafe and Old Trafford tour. 10,000 TreatsPoints upon activation and up to 10x TreatsPoints on Man United-related transactions

Alliance Bank MasterCard Platinum

Do you like to go see the world for a fraction of the retail price? If your answer is yes, get on board with the Alliance Bank MasterCard Platinum - a truly travel credit card with perks for frequent flyers and high credit limit. Read our full review

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.

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

GSC - Hong Leong Gold Visa

Movie goers delight, with the GSC-Hong Leong Gold Visa, you will enjoy great discounts on movie tickets and refreshments at all GSC Outlets - that's right, catch all the latest blockbusters first minus the premium prices! Read our full review

Your pass to blockbuster experience - enjoy 5x free movie tickets upon card approval, up to 30% off on snacks, access to Priority Ticketing Lane, RM6 off movie tickets and up 3x GSC Reward Points.

Citi Clear Visa

Are you a millennial who lives life on the edge screaming "YOLO" all night? We have found you a credit card that speaks your true spirit: the Citi Clear Visa. With amazing discounts at popular night club and coffee house (the morning after), the Citi Clear Visa credit card is your access. Read our full review

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!

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

CIMB Preferred Visa Infinite

You have worked hard to arrive at your life, now it is time to reap the benefits of your hard work with CIMB Preferred Visa Infinite, offering access to a host of privileges that are nothing short of extraordinary. Read our full review

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

AmBank BonusLink Visa Platinum

Collect points and redeem gifts

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

Open up a treasure trove of benefits and exclusive privileges with the OCBC World MasterCard, allowing you and your family the freedom to explore and pursue the places that you've always dreamed about. Go ahead and live life on your own terms, you've earned it. Read our full review

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

Introduce yourself to a new world of platinum benefits with a globally recognised credit card from the Industrial and Commercial Bank of China. Built for business, you’ll treat yourself to the privileges of living in the fastlane while enjoying ease of transactions while you travel to and fro between Malaysia, China and the world for both pleasure and work. Read our full review

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

Public Bank AIA Visa Gold

Everyone likes 2-in-1 concept in beverages, gadgets, home appliances and what have yous - it is convenient, fast and infused with plenty of benefits. Imagine a marriage of 2 financial institutions merged into 1 facility; that is, my friend, the Public Bank AIA Visa Gold Credit Card. Read our full review

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.

Complimentary RM200 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

Alliance Bank Visa Gold

Introduce yourself to timeless rewards with a VISA gold credit card that rewards points on your purchases – even doubling the points when you pay your bills and shop overseas! Get more value when swiping your Alliance Bank credit card. Read our full review

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

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

Citi Rewards Visa Signature

If you love both shopping, exploring the world and rewards, then the Citi Rewards Visa Signature is the card for you. Read our full review

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

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

AEON The Japan Club of Kuala Lumpur Visa

Specially designed for our Japanese customers, AEON's The Japan Club of Kuala Lumpur Visa credit card gives you exclusive deals and benefits that are tailor made just for you. Read our full review

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

A faster way to earn rewards points

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

Balancing your business and lifestyle needs can sometimes be a little tricky. With Citi Business Platinum Card, you can do this easily as this credit card provides benefits to suit your work and lifestyle requirements and rewards you at the same time. Read our full review

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

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Citi Cash Back Credit Card

You don't have to wait for specific days or special promotions to enjoy the most cashback from your credit card purchases anymore. No pre-registration and no minimum spending is required. Your cashback is automatically credited into your account. Read our full review

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.

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Alliance Bank MasterCard Classic

Go cashless with a classic MasterCard that rewards you for every spend. Handle your payment conveniently, via Pin & Pay or contactless method, and collect reward points effortlessly! Read our full review

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!

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

BSN 1 TeachersCard MasterCard

Even teachers need a break every so often! Get rewarded for your service to Malaysian education with BSN 1 TeachersCard MasterCard. It’s a credit card by Bank Simpanan Nasional designed especially for educators and employees of the Ministry of Education, lecturers at approved private or public universities, and teachers in MARA Junior Science College. Read our full review

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

Unlimited Cashback

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

If you love shopping at the Store Pacific – with its special offers and discounts on retail goods – you’re going to love this cashback credit card. With cashback rates of up to 6%, you simply get more for your money when you shop at the Store Pacific with Hong Leong Gold MasterCard. Read our full review

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

From golfing to traveling, dining and shopping, CIMB is giving you all access to a host of amazing lifestyle benefits and experiences with just a single swipe - enjoy personalised concierge services, generous credit limit and reward points on all your spending! Read our full review

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

Invitation Card

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

Realise your dreams of trekking the world's most sought after destinations with the Hong Leong Infinite Card, with a lifetime annual fee waiver, attractive air mile conversion rates, and worldwide privileges, all waiting to be discovered in this sleek black Visa Infinite credit card from Hong Leong. Read our full review

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

Go beyond just cashless transaction that every credit card equips you with, get yourself a New AEON MasterCard Classic and start getting the most out of the money you spend! Read our full review

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.

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Alliance Bank MasterCard Gold

No point prolonging the inevitable, it may be time to get your very own credit card if you don't have one yet. Alliance Bank MasterCard Gold is the basic credit card that you could start with if you're still on the fence.  Read our full review

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!

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

RHB Cash Back MasterCard Credit Card

Live an extraordinary day with RHB Cash Back Visa Credit Card, a credit card that earns you Cash Back for your daily needs. Read our full review

Get up to 10% cashback when you spend on petrol, dining, utility, grocery and online food & grocery delivery - a credit card that meets your daily needs.

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

Alliance Bank Visa Classic

An unconventional classic Visa credit card from Alliance Bank that gives your air miles conversion with two of Malaysia's biggest airlines. That's not all, this worldwide recognized Alliance Bank Visa Classic is equipped with line of credits for your rainy days! Read our full review

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.

Get a Complimentary Acer Iconia One 7 - Only At RinggitPlus!2017-04-112018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2017-04-112018-12-31

15,000 BIG Points in a Flash!2017-04-112018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!2017-04-112018-12-31

AmBank Visa Gold

Remember the times when you buy a costly item with cash but before handing it over, you would count it a few more times just to make sure there's no notes sticking together or mistakenly slipped a few extra in? Take a leap into the world of convenience with AmBank Visa Gold and worry about those wicked cash no more! Read our full review

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

New AEON Visa Gold

Spice up your life and most importantly, your wallet with the New AEON Visa Gold! This credit card keeps you busy with awesome rewards it hands out to you from Plaza Premium Lounge access all the way to free extensive personal accident insurance coverage! Read our full review

With special discounts at every AEON store nationwide and access to deals at over 1,500 partner stores your shopping gets a whole lot more value.

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Affinbank Visa Gold

Rewards for Loyalty

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

A cross-breed between travel and petrol credit card that everyone must have - CIMB PETRONAS Platinum Credit Card. Beat the RON97 and RON95 weekly price fluctuations with a generous cash rebate. Distance disappears when your journey gives you more returns! Read our full review

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

Rewards for Loyalty

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

As a HSBC Premier customer, you will be provided with the best that the bank can offer including banking services tailored to your unique needs and various financial privileges. One of these perks includes HSBC Premier World MasterCard that is designed to reward and pamper you. Read our full review

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

BSN Gold Visa

Enjoy more from life with the Gold Visa, the credit card which gives you rewards wherever you shop. With Bank Simpanan Nasional’s free travel insurance, you’ll get complimentary coverage whenever you charge your full travel fares to your Gold Visa credit card. Read our full review

Enjoy more from life whether you're travelling or at home. Use BSN Visa Gold for all your shopping, dining or travel needs anytime, anywhere!

Singapore Airlines KrisFlyer American Express Gold

Want to fly to your dream destination, but your eager hands keep swiping your credit card at the mall?  Read our full review

A fast and easy way to earn KrisFlyer Miles for free SIA flights and Plaza Premium Lounge access. Get instant overseas help by phone anytime with American Express Global Assist.

Maybank MasterCard Gold

In our modern world, credit cards are indispensable – gone are the days when you need to bring along heaps of cash in the street, with dangers constantly lurking by the bushes! Read our full review

Enjoy great travel, dining, and shopping privileges whether you're in Malaysia or abroad. Collect TreatsPoints to redeem rewarding gifts and also waive annual fee!

Hong Leong Gold Visa

Sure its value may go up and down with the rest of the market, but gold is a safe standard to bet on. As is the Hong Leong Gold Visa, the credit card which gives you guaranteed returns anywhere you go! Read our full review

Take your time to fix your debt problems with a lifetime 6.99% p.a. balance transfer from Hong Leong. You'll get a great credit card too!

AEON MasterCard Gold

Turn every purchase of yours into a golden ticket to marvelous privileges and a bunch of free gifts! AEON MasterCard Gold gives you the boost in life that you need. Read our full review

Escape from the boredom before boarding with AEON MasterCard Gold that grants you access to KLIA Plaza Premium Lounge up to 3x a year!

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Hong Leong Gold MasterCard

Get everything you could need all in 1 card – Hong Leong Gold MasterCard gives you Reward Points on every Ringgit spent, insurance coverage when you travel, and special credit card banking services exclusive for Hong Leong credit card holders. Read our full review

Lifetime interest rate of 6.99% p.a. on your balance transfer with the Hong Leong Gold MasterCard - consolidate your debts at your own pace.

Affinbank Touch 'n Go MasterCard Gold

Rewards for Loyalty

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

Made with small and medium enterprises in mind, the Alliance Business Platinum MasterCard is tailored to offer both flexibility and convenience to manage the expenses of running a business. Read our full review

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

UOB Visa Infinite

The asking price for luxury is often steep, which is why few can actually afford it. But for those bold enough you can get a credit card that gives you unlimited benefits to commensurate with your exclusive lifestyles. Read our full review

The card that caters to your luxury lifestyle – earn extra reward points for overseas purchases, air miles conversion at special rate, complimentary airport lounges accesses, limo rides and many more

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

Hong Leong Fortune Card

Who needs a lucky charm when you’ve got real fortune coming your way? Get your hands on the Hong Leong Fortune Card for real cash earnings on all your shopping and spending – that’s more cash back with every swipe! Read our full review

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 M-Gold Visa Card

Enjoy more value for your Ringgit with a special ‘by invitation only’ VISA credit card that gives you both Ambank rewards and Bonuslink points. Find out more about the exclusive M-Gold Visa and other Ambank promotions in our review below, including free travel insurance, 0% Installment Plan, complimentary women’s health check and AmBank online banking. Read our full review

Earn more with AmBank and Bonuslink every time you swipe! Redeem great prizes, get free travel insurance, and enjoy yearly medical check-ups.

AmBank Visa Signature

No Annual Fee

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

MyEG-RHB Credit Card

There is a world of convenience waiting for you when you use MyEG, Malaysia's E-Government Services provider. Allowing you to easily conduct transactions with various government agencies online and offline. What better way to take advantage of an already excellent service by enhancing it with the MyEG- RHB Credit Card, offering you up to 5X Reward Points when you pay for your MyKad replacement, JPJ summons, and driving license renewal online. Read our full review

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.

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

Alliance Bank Visa Infinite Business Credit Card

Cashback or Reward Points

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.

Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless

Rewards for Loyalty

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.

AmBank Platinum MasterCard

A FREE-for-Life Platinum credit card for travel, rewards, bill payment, cash management and your lifestyle. Suitable for anyone aged 21 years and above and earn a minimum of RM48,000 annually. Read our full review

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

RHB Visa Infinite

Don't settle for less, go for the best credit card you deserve. Whether you are going on a shopping spree overseas or golfing with your business clients, great reward awaits you in each swipe of your RHB Visa Infinite card! Read our full review

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.

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

BSN Visa Platinum

Say hello to a little more of everything with your Visa Platinum credit card by Bank Simpanan Nasional. Exclusive rewards and privileges await you! Read our full review

Get a little more of everything with the BSN Visa Platinum - global privileges, premium insurance protection and best of all, its totally free.

RHB Premier Visa Infinite

The world of opportunity is what’s waiting for you when you have an RHB Premier Banking Membership. Experience luxury and endless benefits with the RHB Premier Visa Infinite credit card. Read our full review

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

Public Bank Platinum MasterCard

Elevate your credit card game in sync with your income status with Public Bank MasterCard Platinum - a card that speaks your needs with benefits, privileges and uniqueness of its own. Read our full review

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 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

ICBC UnionPay Dual Currency Classic

The ICBC UnionPay Dual Currency Classic credit card is good news for frequent flyers to China, whether its for business or pleasure. This range of credit cards offers the only UnionPay cards available in Malaysia. Read our full review

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

Maybank Manchester United Visa Card

Glory, glory Man United! No matter who your favourite player is this credit card is the ultimate wet dream for any die-hard Red Devils fan! From exclusive discounts on Man United merchandises to extra Maybank TreatsPoints for every game they win, this credit card will take you all the way to the top of your social league. Read our full review

Get up to 10x TreatsPoints for all Manchester United-related transactions and more discounts on The Red Devils merchandises, dining at Red Cafe and Old Trafford tour!

UOB Lady's MasterCard

Chic, slick, and gorgeous. UOB Lady’s MasterCard is your membership card to an exclusive lifestyle, where no men are allowed. Ladies only please! Read our full review

An exclusive lady's credit card that gives 10% fashion cashback every Wednesday and weekend, also 0% instalment for 6 or 12 months on luxury items.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

ICBC Visa Gold

Global recognition and prestige comes with the turf when you sign up for the VISA Gold from the Industrial and Commercial Bank of China. Enjoy a higher starting credit limit starting at RM4,000 and pay zero on annual fees with a special waiver condition from ICBC. Bigger rewards are also up for grabs from the ICBC Bonus Point Redemption programme! Read our full review

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

AmBank World MasterCard

No Annual Fee

Get 50% off on Green Fee, unlimited premium airport access, Air Miles conversion and free annual fee every year with AmBank World MasterCard. Suitable for your privileged lifestyle!

UOB One Visa Classic

Go crazy on your cashback savings with UOB ONE Visa Classic. It’s a classic credit card by UOB designed to give you more savings when you spend on the things that you need. Read our full review

Put money back into your pocket with the UOB ONE Visa Classic, a credit card that earns you up to 8% cashback for all of your everyday purchases.

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

AIAFAM-BSN Visa Platinum Business

Being part of AIAFAM ( AIA Insurance Agency Force Association Malaysia) has its benefits and privileges, whether you're a policyholder of AIAFAM life insurance or a member of theirs as an agent or employee. Read on to discover the perks you can get out of the strategic partnership of BSN with AIAFAM! Read our full review

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

Just as how a personal credit card comes in handy on many occasion, a business credit card definitely helps your business in reaching the extra mile too. Fellow businessmen and entrepreneurs, discover RHB Platinum Business Visa card's capability right below! Read our full review

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

BSN Gold MasterCard

It’s not just gold and glitter with the BSN Gold MasterCard. You get savings which no other gold credit card in the market offers. And it all starts with zero annual fees FOR LIFE with your credit card!  Read our full review

Go gold and glitter with exclusive lifestyle discounts, a worthwhile reward program, and comprehensive travel coverage. Go with BSN and MasterCard!

The Store Pacific Hong Leong Platinum MasterCard

What’s better than 6% cash back rates, member prices and discounts? We can’t think of anything, that’s why The Store Pacific Hong Leong Platinum MasterCard is our recommended credit card for even more savings for the frequent The Store Pacific shopper! Read our full review

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

Gateway to more rewards

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

Maybank Visa Infinite

Exclusivity at the palm of your hands - we mean that in the literal sense, as you will be smiling to yourself as you hit a hole-in-one at the world's most prestigious country golf clubs. With Maybank Visa Infinite, take a plunge into the infinity and experience a world of benefits and privileges. Read our full review

Rewards in every spend - 5x overseas and 2x local with 10,000 TreatsPoints upon activation. Enjoy golf, dining, airport lounges access worldwide and hotel privileges!

Public Bank Visa Commercial

A corporate credit card that empowers employees to stock up on inventory directly from suppliers without the hassle of cumbersome payment processes. Read our full review

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

Explore the world with CIMB World MasterCard that comes with extra bells and whistles for avid travelers. Enjoy discounted green fees, personal concierge services, annual fee waiver and many more! Read our full review

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

Maybank Visa Platinum

Seeking a platinum credit card to cater to your high-roller needs? Get familiar with the Maybank Visa Platinum to enjoy worldwide benefits and privileges, with exclusive memberships to the world's most prestigious clubs and societies, and a line of credit that is tailor made to your needs. Read our full review

Distinctive Visa card for people seeking Platinum-level service and worldwide recognition - generous line of credits and TreatsPoints on retail, petrol, utilities and even Maybank EzyPay!

OCBC Cashflo MasterCard

Time to say good bye to constricting credit cards and enjoy the goodness of unlimited cash rebates and a card that can handle itself with minimum management from you! Read our full review

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

Shopping and dining are two most celebrated activities in life. You can do both while taking advantage of cashback and rewards with Public Bank Quantum MasterCard credit card. Read our full review

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 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

HSBC Advance Visa Platinum

Dreaming of having a premier banking status? Intentionally keen to benefit from preferential rates and exclusive rewards? Read on how you can achieve your resolution by owning a premium credit card with HSBC Advance. Read our full review

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

Hong Leong Platinum Business MasterCard

Tailored to be the ideal business companion for all entrepreneurs and company owners alike, Hong Leong Platinum Business MasterCard gives you extended interest free periods, a platinum-level chequing facility and exclusive discounts and privileges while you shop, dine and travel – now that’s a well-fitted card. Read our full review

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

The ICBC UnionPay Dual Currency Gold credit card is ideal for entrepreneurs traveling back and forth to China, with access to extensive merchant networks on the Mainland. Read our full review

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

Citi Rewards World MasterCard

Rewards, Privilege and Exclusivity is in the eye of the beholder when you have the Citi Rewards World MasterCard at your disposal. Read our full review

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

Maybank 2 Cards Premier

Enter the world of high net worth that is rich with benefits and privileges with Maybank 2 Cards Premier - only for the affluent. With a single credit card application, you will get Maybank 2 Cards Reserve American Express Card and Maybank 2 Premier credit card as complimentary, with both cards sharing one statement. Read our full review

5x TreatsPoints for every Ringgit spent locally and overseas, convertible to AirMiles at low conversion rate in addition to 1-for-1 dining at Shangri-La, golf and lifestyle privileges!

Public Bank Gold Visa

Lots of value packed into this Gold Visa credit card by Public Bank. Get unlimited Cash MegaBonus on all your retail transactions, 0% interest on all balance transfer and instalment plans, and many exclusive deals and discounts at Public Bank's merchants. Read our full review

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 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

Affinbank MasterCard Gold

Rewards for Loyalty

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

Rewards for Loyalty

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

Annual Fee Waiver

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.

Maybank American Express Platinum

The Maybank American Express Platinum, your ticket to luxury reserved for the privileged few - a card that can do wonders, and show you a whole new world - offering you exclusive benefits from discounts at 5-stars hotel, world-class golf courses, and a tons of other lifestyle reward.  Read our full review

Enjoy the VIP lifestyle at low finance charge of 9% p.a. with up to 5x Membership Reward Points and exclusive Platinum privileges on golf, dining and hotel.

AmBank M-Signature Visa Card

You must be familiar with the saying, "To kill two birds with one stone." This AmBank credit card is just that - rewarding you with both AmBonus and Bonuslink Points whenever you choose to pay for your purchases on credit no matter in Malaysia or abroad! Additionally, enjoy free travel insurance for the family, plus special healthcare and lifestyle benefits for lady cardholders. Read our full review

Stay protected on holiday with travel insurance for the family. Get free health check, car assistance, and stolen card protection for the ladies.

Public Bank Visa Infinite

Suitable for high net worth individuals looking to simplify expenses in one premium credit card, Public Bank Visa Infinite credit card's benefits and privileges go to infinity and beyond with every swipe. Read our full review

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 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

AmBank M-Platinum MasterCard

Find your sweet spot with Ambank’s by invitation only M-Series Platinum MasterCard that gives you double reward points, free Plaza Premium Lounge access, 0% EPP, complimentary health checkups and a tonne insurance benefits – we’ve got all its members benefits listed out for you. Talk to your Ambank representative today to see if you qualify. Read our full review

Double your rewards with AmBonus Points and BonusLink Points. Free travel insurance everytime you charge your flight tickets on your credit card.

Petronas Maybank Visa Gold

When the nation’s biggest bank and oil company work together, you can expect big results. This is evident in the collaboration between Maybank and PETRONAS to create PETRONAS Maybank Visa Gold credit card, promising you big rewards and more value. Read our full review

Get more on your spending including 5x TreatsPoints on weekdays and 8x TreatsPoints on weekends whenever you swipe at PETRONAS stations nationwide and on groceries shopping!

BSN Classic MasterCard

A classic card with the lowest interest rates in the market – that’s what you get when you decide to build up your line of credit with the BSN Classic MasterCard! Read our full review

Whether its shopping, dining, or travel, there's no better way to start enjoying the perks and privileges of life than a classic credit card from BSN

Public Bank Gold MasterCard

Get unlimited Cash MegaBonus on all your retail transactions, 0% interest on all balance transfer and instalment plans, and many exclusive deals and discounts at Public Bank's merchants with a Gold MasterCard. Read our full review

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

Complimentary RM200 Giant Voucher- Only at RinggitPlus!2018-02-222018-12-31

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!2018-02-222018-12-31

Citi Travel Account

Managing a business is can be tough; the next thing you know, employee travel costs and itinerary management becomes an extra nightmare to waddle through.  Read our full review

Streamline your business travel expenses with Citi Travel Account and get 0.5% cashback on hotel booking, air tickets and car rental.

Maybank MasterCard Platinum

Anyone earning an income of at least RM5,000 per month will definitely have the means to indulge a little in life. Maybank MasterCard Platinum may just be the right credit card to deliver the level of service and privileges desired. It also offers a generous line of credit to cardholders. Read our full review

A distinctive card for those seeking exceptional service and worldwide recognition - automatic membership to the prestigious MasterCard Platinum Club.

Citi Prestige

Fancy living in the high life? If your answer is yes, then you would want to explore the benefits of Citi Prestige Card, one of few premium credit cards in Malaysia that speaks the language of luxury and smart finances. Read our full review

Citi Prestige is your passport to a world of unforgettable experiences, offering unique benefits and premium personalised service.

Get a DJI Tello Drone & Win a Volkswagen Polo Car!2018-08-062018-12-31

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!2018-08-062018-12-31

Get RM200 ShopBack Cashback - Only at RinggitPlus!2018-08-062018-12-31

Fly for Free & Win a Volkswagen Polo Car!2018-08-062018-12-31

Citi Business Signature Card

Citi Business Signature Card is designed for companies with employees who manage their expense accounts with credit cards. Supporting cost centre control and billing Business Signature is the ultimate breath of fresh air for company Finance Directors everywhere.  Read our full review

Get cashback on everything! Business credit card that offers great rates and detailed expense reports to help you control your employee's spending

Maybank Visa Gold

If you own a Classic credit card and want an upgrade, think about switching to Maybank Visa Gold credit card for a higher credit limit and more perks. Even if you have not owned a Classic card before, Maybank Visa Gold is still a good start - with a rewarding gift redemption program, and travel benefits for your enjoyment. Read our full review

A Visa card with bigger and better benefits for folks who want to upgrade their Classic cards and enjoy exclusive dining, shopping, and travel perks.

RHB World MasterCard Credit Card

Up to 6% Cashback

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

Get a Turbo Air Fryer & Win a Polo Volkswagen Car!2018-02-142018-12-31

UOB Lady's Solitaire MasterCard

Catering to the high-powered fashionistas out there, UOB Lady’s Solitaire MasterCard complements your sophisticated purchasing power with a glossy credit card that is rich with fashion benefits. Read our full review

Asia's premier credit card for the Lady that demands more and offers exclusive and premium shopping deals all over the world!

Get a Complimentary Xiaomi Car Dash Cam!2018-10-192018-12-31

Maybank World MasterCard

Free flights, an exclusive lifestyle, and travel privileges would be the icing on the cake for any serious traveler. Now, you can enjoy these benefits with Maybank World MasterCard - wherever you choose to roam, this credit card has got your back. Read our full review

Earn Treats AirMiles that never expire and convertible to Enrich Miles. 50,000 free Treats AirMiles upon approval, golf discounts, Hilton Premium membership and 5x Plaza Premium Lounge access.

AmBank M-Gold MasterCard

Bonus rewards might sound like an oxymoron, but when you combine a MasterCard that gives you rewards and BonusLink points like the one-of-a-kind Ambank M-series credit cards, you’ll feel like the dumb one for not thinking it up yourself! Read our full review

Complete insurance protection for you and your loved one when you travel abroad! Enjoy free medical check up every year for lady cardmembers.

ICBC Visa Classic

Planning on getting a new credit card? It doesn’t matter if it’s your first piece of plastic, or if you’re getting a spare a rainy day. The world’s largest bank offers a simple entry level credit card that earns you bonus points on all your spending, and triple points on flight tickets. ICBC Visa Classic is the perfect companion for your next trip to China! Read our full review

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

AEON MasterCard Classic

Getting a fresh graduate pay doesn't mean you can't live your life like an adult. By no means that is referring to a lavish lifestyle but having a basic credit card is not too much to ask for! Go cashless and earn points every time you spend with AEON MasterCard Classic. Read our full review

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

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

AmBank M-Platinum Visa Card

More Rewards

Collect tons of reward points when you spend in Malaysia or overseas. Secure your holiday with free travel insurance and purchase protection!

New AEON MasterCard Gold

Exciting and rewarding benefits packed credit card doesn't come by very often and here it is – the New AEON MasterCard Gold credit card! Lift up your shopping experience at any AEON stores and put a smile to your long depressed wallet. Read our full review

Earn rewards faster and get exclusive offers from AEON stores. Enjoy special discounts at over 1,500 AEON partner stores nationwide.

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Public Bank Visa Business

Whether to make quick buying decisions with the suppliers or throwing monthly birthday party for employees’ get-together, Public Bank Visa Business understands and supports your business needs. Read our full review

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

Taking your first leap into the realm of cashless payment? Don't fill your head with puzzling fine prints and bunch of terms and conditions you hardly comprehend, go classic with AEON Visa Classic that gives you all convenience a credit card should! Read our full review

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

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

Standard Chartered Platinum MasterCard Basic

Annual Fee Waiver

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

FREE-for-life

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

Petrol prices has gone up again? Car insurance premium has recently been de-tariffed? It's a cold hard truth yet these should not stop you from driving and rely solely on public transportation. What if there is a credit card that can help lighten some burden? Read our full review

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

Get on board and venture into the abundant rewards of AEON Visa Gold that gives you privilege access to Plaza Premium Lounge, excited reward scheme and round the clock travel assistance, just to list a few! Read our full review

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

Get a Free Lenovo Tablet - Only at RinggitPlus!2018-04-272019-01-31

CIMB Enrich World Elite MasterCard

If you want to know whether your loyalty pays, CIMB Enrich World Elite MasterCard shows just how it is done, with a simple swipe. After all, it is indeed a luxury everyone can dream of, but few can afford. Read our full review

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

Free For Life

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

CIMB Visa Signature

CIMB Visa Signature - a premium travel credit card comes packed with all the bells and whistles you would expect from high end VISA credit card and rewards you Bonus Points for every purchase made locally and overseas. Read our full review

Free for life premium credit card giving you Bonus Points, exclusive airport lounge access, travel insurance coverage and many Signature travel benefits.

CIMB Visa Infinite

Zero Annual Fee for Life premier credit card that gives you cash rebate for every transaction, grants premium access to airport lounges and provides travel insurance coverage.

CIMB Platinum BusinessCard

What will bring your business prestige and recognition? A swanky new office? Great employee benefits? How about a professional credit card with your company name on it? This CIMB Business Platinum Card was designed with SMEs in mind, offering business owners the ease and convenience in managing their business's finances. Read our full review

The CIMB Platinum Business credit card with attractive cash back and insurance protection - get it in any colour you like, as long as it's black.

CIMB Platinum Visa

From golfing to traveling, dining and shopping, CIMB is giving you all access to a host of amazing lifestyle benefits and experiences with just a single swipe - enjoy personalised concierge services, generous credit limit and reward points on all your spending! Read our full review

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 a CIMB Platinum Credit Card.

Hong Leong Mach Visa Signature

Introducing the brand new Signature Visa credit card from Mach by Hong Leong Back. Explore, dream and discover with the credit card that gives you excellent travel benefits and privileges - perfect for those who have always wished to sail away from the safe harbor, and travel off the beaten track. But wait, don't get off your office chairs just yet - read on to find out more! Read our full review

Ultimate lifestyle and travel companion. Access to VIP lounge in KLIA and Changi airport, complimentary travel insurance, and personalised help desk.

HSBC Premier Travel Credit Card

No hidden figures

Splurge on your favorite backpacking gears and earn rewarding Air Miles and a host of traveling benefits and privileges!

Affinbank Visa Basic

Free for Life

A basic card that empowers your spending habit and simplifies cash flow management - all at zero annual cost for life!

CIMB Enrich Platinum MasterCard

Live a Platinum lifestyle with a travel credit card that rewards Bonus Miles, which are exchangeable to Enrich Miles, and many travel-related perks offered by Malaysia Airlines. Read our full review

The best platinum credit card for travel giving unlimited Bonus Miles that can be converted into Enrich Miles for free flights redemption!

Affinbank MasterCard Basic

Annual Fee Waiver

A basic credit card with unlimited offers, benefits and credit lines at zero annual fee for life.

Alliance Bank Visa Basic

Keep it simple with a credit card that has fewer frills than a Jil Sander’s dress. No complicated billings and charges at the end of your monthly cycles – in layman terms, what you spend is what you pay for. Read our full review

Forget about all the puzzling rewards and conditions you never will remember. Enjoy the simplicity that this credit card has for you!

BSN Platinum MasterCard

With more privileges and even more savings, BSN Platinum MasterCard provides more ways for you to indulge in a Platinum lifestyle. How much does it cost to up your game? Nothing at all - this credit card is free for life! Read our full review

Indulge in a world of Platinum privileges with BSN, offering you more benefits, more rewards, and more privileges for your money!

Mutual Gold Public Bank Visa Platinum

An exclusive by-invitation only credit card for members of Mutual Gold and Mutual Gold Elite of Public Mutual. To own this credit card, invest in any Public Mutual funds and maintain a minimum Qualifying Points of 150,000. Read our full review

Exclusively for Mutual Gold and Mutual Gold Elite Members of Public Mutual - earn unlimited Cash Rebate and Cash Bonus on birthday month!