Credit Card

Cash Withdrawals

• Affinbank MasterCard Basic allows you to perform cash withdrawals for up to 3 transactions a day. However, there’s a cash withdrawal limit, which is 25% of the credit card limit or the available credit limit, whichever is lower. It is better to settle the withdrawal amount before the payment due date, otherwise, Affin Bank will charge you 17.5% p.a. on the outstanding balance.

Fees and Charges

• If you’re looking for your first credit card, you can consider Affinbank MasterCard Basic that provides credit card benefits without the annual fee. The fee is waived forever with no hidden conditions.

Are You Eligible For The Affinbank Master Card Basic?

• Anybody can apply for the Affinbank Master Card Basic with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.imoney.my/

Cash Withdrawals

• The cash withdrawal refers to the cash advance for the credit cards. You can withdraw cash from your Affinbank Visa Basic account for up to 3 transactions per day. The maximum withdrawal limit is 25% of your credit limit or available credit limit, whichever is lower. Besides that, if you are not able to repay the withdrawal amount before the payment due date, the finance charge between 15% to 18% p.a. will be incurred on your Affinbank Visa Basic account.

Fees and Charges

• If you’re looking for a basic credit card without expecting to pay the annual fee, Affinbank Visa Basic could be your choice. The annual fee is waived for life without any hidden charges or conditions.

Are You Eligible For The Affinbank Visa Basic Card?

• Anybody can apply for the Affinbank Visa Basic Card with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.imoney.my/

Get 3% Cashback on every tap with Affinbank Visa Signature Card

• The special credit card from Affinbank will give you 3% cashback whenever you make contactless retail transactions, without minimum spending amount. To perform a contactless transaction with your Affinbank credit card, simply tap the credit card in front of the Visa payWave contactless reader. However, please be noted that there’s an RM80 monthly cap for the cashback and the feature isn’t valid for government services and charity transactions.

Fees and Charges

• For the first year, the card is free of charge. For the following years, there will be a RM150 charge. However, it can be waived when you spend minimum 12 times on retail transactions in a year while supplementary card holders will be charged RM100.

Are You Eligible For The Affinbank Visa Signature Card?

• Anybody can apply for the Affinbank Visa Signature Card with a minimum annual income of RM48,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.imoney.my/

Get 3% cashback with AFFIN DUO Visa Cash Back

• With every Ringgit transacted on any e-commerce or online retail transaction using AFFIN DUO Visa Cash Back, you will earn 3% cashback equivalent to a maximum of RM80 per month credited into your account. The same goes when you spend on eWallet reload or transaction, as well as auto-billing such as online monthly subscriptions of Netflix, Spotify, etc with this card. However, do note that the cashback is not applicable for cash advance or withdrawal, charity related transactions and government services.

Fees and Charges

• All you need to pay is the Sales and Service Tax of RM25. For the first 3 years, the annual fee is waived but you still can enjoy the annual fee waiver for the subsequent year when you spend minimum 12 times on retail transactions in a year.

Are You Eligible For The AFFIN DUO Visa Cash Back Card?

• Anybody can apply for the AFFIN DUO Visa Cash Back Card with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.imoney.my/

Up to 3X AFFIN Rewards Points

• So how can you earn the rewards points? It is as easy as pie! Every time you spend at least RM1 when you’re out dining with your friends or family using AFFIN DUO Mastercard Rewards credit card, you could earn 3X AFFIN Rewards Points. Even groceries shopping and petrol fueling could grant you 3X AFFIN Rewards Points too. The more you spend, the more rewards points you can collect.

Fees and Charges

• For the first 3 years, the AFFIN DUO Mastercard Rewards is free of charge. Once approved, all you need to pay is the Sales and Service Tax of RM25. On the subsequent year, the annual fee for Principal card is RM75 and RM30 for Supplementary card. Nonetheless, you still get to enjoy the annual fee waiver when you swipe minimum 12 times on retail transactions in a year.

Are You Eligible For The AFFIN DUO Master Card Rewards?

• Anybody can apply for the AFFIN DUO Master Card Rewards with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.imoney.my/

Get Peace of Mind with Affin Credit Shield

• Youu have the option to sign up for Affin Credit Shield, a group term life plan insurance that covers you against Death and Total Permanent & Disability for up to RM300,000 each. This insurance plan pays the outstanding balance on your monthly statement of your credit card in case unfortunate things happen to you. For more information about this insurance, click here.

Fees and Charges

• Affinbank MasterCard Gold is free from annual fee for the first year. For the subsequent year, the annual fee is RM150 for the principal card and RM75 for each supplementary card. However, the annual fee for the subsequent years can be waived with a minimum spend of RM24,000 each year.

Are You Eligible For The Affinbank Master Card Gold?

• Anybody can apply for the Affinbank Master Card Gold with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.affinbank.com.my/

Complimentary Travel Insurance

• To add on, travel with peace of mind knowing that you and your loved ones are protected whilst on your way to wherever destination around the globe that you dreamed of. Getting this free travel insurance is easy. Every time you are about to check out, don’t forget to charge your full fare air ticket(s) to BSN Visa Cash Back Credit Card and up to RM300,000 complimentary travel insurance is granted to you.

Fees and Charges

• The annual fee is free for life without condition for both primary card holders and supplementary card holders. There will be a charge of RM25 on each principal and supplementary card upon activation and anniversary date as a Sales and Service Tax.

Are You Eligible For The BSN Visa Cash Back Credit Card?

• Anybody can apply for the BSN Visa Cash Back Credit Card with a minimum annual income of RM48,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at https://www.bsn.com.my/page/personal-banking-index

Up to 5% Online, Dining, and Contactless Cashback

• With UOB YOLO Visa, you will not be going to miss out on the latest transportation, online and food trending anymore. You only need to make a minimum of 5 transactions on Online, Dining and Contactless categories combined to earn 5% cashback, capped at RM30 a month. But here’s the catch. For each transaction, you need to spend a minimum amount of RM15. On top of that, the total cashback payout is on a first come first serve basis only because the payout limit is capped at RM160,000 every month.

Fees and Charges

• RM90 will be charged for primary card holders. It is free during the first year for principal cardholder. The card can be waived when you make 1 retail transaction per month. While RM30 will be charged for supplementary card holders. There will also be a charge of RM25 on each principal and supplementary card upon activation and anniversary date as a Sales and Service Tax.

Are You Eligible For The UOB YOLO Visa Card?

• Anybody can apply for the UOB YOLO Visa Card with a minimum annual income of RM36,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for supplementary card holders.

The above sources can be found at https://ringgitplus.com/en/

0% Easy Payment Plan (EPP)

• Stop making window shopping a frequent pastime! In case you find merchandise which you can’t readily afford, UOB One Visa Classic offers 0% interest on monthly installments with Easi-Payment Plan. Just pick between tenures of 6, 12, or 18 months and pay a small upfront fee. To qualify, your purchase needs to be at least RM500 to enroll in this plan

Fees and Charges

• RM68 will be charged for primary card holders while RM30 will be charged for supplementary card holders. There will also be a charge of RM25 on each principal and supplementary card upon activation and anniversary date as a Sales and Service Tax.

Are You Eligible For The UOB One Visa Classic Card?

• Anybody can apply for the UOB One Visa Classic Card with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card.

The above sources can be found at https://ringgitplus.com/en/

Annual Fee Waiver

• UOB Basic Visa Card has a monthly fee of RM6.00, which can be waived when you make one retail transaction (no minimum amount) in a statement month. Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card. For supplementary cardholders, the annual fee is at RM30.

Fees and Charges

• RM75 will be charged for primary card holders. The card can be waived when you made 1 retail transaction every month while RM30 will be charged for supplementary card holders.

Are You Eligible For The UOB Visa Basic Card?

• Anybody can apply for the UOB Visa Basic Card with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card.

The above sources can be found at https://ringgitplus.com/en/

Hong Leong Visa Infinite Doctor’s Edition, every doctor’s best friend

• Your best friend would want only the best things to happen to you, so does Hong Leong Visa Infinite Doctor’s Edition. This Hong Leong credit card is specially designed to reward medical doctors and dentists so they can enjoy their lives as they have saved many people’s lives. From superb Enrich Miles conversion, free travel insurance, zero annual fees to Visa Digital Concierge – it’s time for doctors to enjoy the best life can offer.

Fees and Charges

• It is free for life for both primary and supplementary card holders. There will be a RM25 charge on each principal and supplementary card upon activation and anniversary date as a Sales and Service Tax.

Are You Eligible For The Hong Leong Visa Infinite Doctor’s Edition Card?

• Only registered medical doctors and dentists can apply for the Hong Leong Visa Infinite Doctor’s Edition Card with a minimum annual income of RM48,000. The individual must be between 21 to 70 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://ringgitplus.com/en/

Complimentary Airport Transfer & Golf Privileges

• With a minimum spend of RM2,000 on Emirates or overseas purchases, you’re entitled to 1x Grab ride worth RM88 that you can use as airport transfer. Not traveling soon? Why not try a new hobby, like golf? Hong Leong Emirates Platinum Card lets you enjoy 1x Green Fee per month at selected Golf Clubs in Malaysia, with a minimum balance of RM2,000 in preceding month statement.

Fees and Charges

• RM250 will be charged for primary card holders. The card can be waived when you spend a minimum of RM50,000 per year whereas supplementary card is free.

Are You Eligible For The Hong Leong Emirates HLB Platinum Card?

• Anybody can apply for the Hong Leong Emirates HLB Platinum Card with a minimum annual income of RM60,000. The individual must be between 21 to 65 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.hlb.com.my/en/personal-banking/home.html

Annual Fee Waiver

• In addition to the Welcome BIG Points, your first year annual fee will be waived! Just make sure that you have a minimum 1 retail swipe within 45 days from your Hong Leong AirAsia Gold Visa approval date.

Fees and Charges

• RM200 will be charged for primary card holders. The card can be waived when 1 swipe was made within 45 days of card approval for the first year whereas RM80 will be charged for supplementary card holders.

Are You Eligible For The Hong Leong AirAsia Gold Visa Card?

• Anybody can apply for the Hong Leong AirAsia Gold Visa Card with a minimum annual income of RM24,000. The individual must be between 21 to 65 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.hlb.com.my/en/personal-banking/home.html

Worldwide Lounge Access

• With Hong Leong Visa Infinite P, you can escape the hustle and bustle of the busy airport. Just block your time for an airport lounge visit as a part of your travel itinerary with Priority Pass, the world’s premier independent airport lounge access program. The principal cardholders will be rewarded with 4 visits to any airport lounge listed under the Priority Pass program. You will be given 4 complimentary lounges visit for the subsequent years if you spend a minimum of RM300,000 retail purchases in the preceding year.

Fees and Charges

• The annual fee is free for life for both primary and supplementary card holders. There will be an RM25 charge for Sales And Service Tax on each principal and supplementary card upon activation and anniversary date

Are You Eligible For The Hong Leong Visa Infinite P Card?

• Anybody can apply for the Hong Leong Visa Infinite P Card. The individual must be at least 21 and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.hlb.com.my/en/personal-banking/home.html

A faster way to earn rewards points

• With the new Hong Leong Sutera Platinum Card, you can turn your spending into reward points up to 6x faster than most other rewards points cards. Earn 6x rewards points every RM1 spent overseas, 3x for dining at any day of the week, 3x for local spending on weekends, and 1x for everything else.

Fees and Charges

• RM400 will be charged for primary card holders. The card can be waived when 1 swipe was made within 45 days of card approval for the first year or when you spend at least RM15,000 a year for subsequent years whereas RM200 will be charged for supplementary card holders.

Are You Eligible For The Hong Leong Sutera Platinum Card?

• Anybody can apply for the Hong Leong Sutera Platinum Card. The individual must be between 21 to 65 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.hlb.com.my/en/personal-banking/home.html

Annual Fee Waiver

• Never pay for unnecessary annual fees every again – there’s no catch, you don’t have to pay a fee! However, there’s a joining fee that you’d need to take care of. The joining fee of RM20 is a one-time fee you pay once you’ve been approved for the Hong Leong Bank I’m Card, and is subjected to 6% GST.

Fees and Charges

• Annual Fee is free for life for both primary and supplementary card holders! Sales and Service Tax will be charged with RM25 on each principal and supplementary card upon activation and anniversary date.

Are You Eligible For The Hong Leong I’m Card?

• Anybody can apply for the Hong Leong I’m Card with a minimum annual income of RM24,000. The individual must be between 21 years old to 65 years old to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.hlb.com.my/en/personal-banking/home.html

Great Financial Manager

• The OCBC PayMaster is an auto-debit system, giving you the convenience of having all your monthly service and utility bills paid directly via your OCBC MasterCard Blue. When you make a retail purchase either for a brand new laptop or sound system, you will enjoy a 20-day interest-free payment period. Additionally, spend at participating outlets with easy installment plans at 0% interest.

Fees and Charges

• Annual Fee is free for life for both primary and supplementary card holders! Sales and Service Tax will be charged with RM25 on each principal and supplementary card upon activation and anniversary date.

Are You Eligible For The OCBC Master Card Blue?

• Anybody can apply for the OCBC Master Card Blue with a minimum annual income of RM36,000. The individual must be at least 21 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.ocbc.com.my/group/group-home.html

Personal Financial Planner

• If you’ve just gotten your first full-time job, and have been entrusted with the responsibility of moving out of your parents’ house, what better way to manage your finances than by using a line of credit? You don’t have to take time off your busy schedule to personally make bill and cheque payments, so let your OCBC credit card do that for you. With the OCBC PayMaster auto-debit system, have all your monthly bills and loan repayments paid automatically. Saves you both the time and hassle. Thankfully, OCBC will provide you the luxury to convert your RM3,000 designer bag into interest free monthly installments for up to 20 months, on top of having a 20-day interest free period from the day of purchase.

Fees and Charges

• Annual Fee is free for life for both primary and supplementary card holders! Sales and Service Tax will be charged with RM25 on each principal and supplementary card upon activation and anniversary date.

Are You Eligible For The OCBC Master Card Pink?

• Anybody can apply for the OCBC Master Card Pink with a minimum annual income of RM36,000. The individual must be at least 21 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.ocbc.com.my/group/group-home.html

0% Auto-IPP

• So…you have purchased a big-ticket item but do not have enough cash to repay your credit card. What’s more, the 20-day interest free period is almost running out! Don’t fret as OCBC Cashflo MasterCard is equipped with a 0% Auto-IPP (Installment Payment Plan) with minimum spending of RM500. You can select to repay your outstanding balance in 3, 6 or 12-month installments; the longer the tenure, the smaller the installment amount.

Fees and Charges

• RM188 will be charged for primary card holders. It will be free during the first 3 years for new customers and those who don’t own any OCBC card for 12 months whereas RM68 will be charged for supplementary card holders.

Are You Eligible For The OCBC Cashflo Master Card?

• Anybody can apply for the OCBC Cashflo Master Card. The individual must be at least 21 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.ocbc.com.my/group/group-home.html

Travel Easy

• Don’t fret when you receive your credit card statement, enjoy the long vacations and business trips knowing that you can always stretch your payments from periods of 5 months with the low handling fee of 2% once-off with OCBC Easy Payment Plan. Swipe your ticket with your credit card and contact OCBC to enroll in the plan. If that’s too short a period, relax, you could even go up to 20 months with the one-time upfront interest rate at only 5% when you spend RM1000.

Fees and Charges

• RM750 will be charged for primary card holders whereas RM500 will be charged for supplementary card holders.

Are You Eligible For The OCBC Premier Voyage Master Card?

• Only OCBC Premier Banking members can apply for the OCBC Premier Voyage Master Card. The individual must be at least 21 years old and above to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.ocbc.com.my/group/group-home.html

Enjoy Special Promotions with Your Maybank Grab Master Card Platinum

• Earn 5x Maybank Grab Points for every RM1 spend in the Grab app (including Grab e-wallet reload), 2x Maybank Grab Points for every RM1 spend on e-commerce and overseas purchases and 1x Maybank Grab Point for every RM3 spend on any other local purchase.

Fees and Charges

• You need not to pay for the annual fee to renew your principal and/or supplementary card as it is free for life! Sales And Service TaxRM25 on each principal and supplementary card upon activation and anniversary date with a Minimum Monthly Payment of RM25 or 5% of outstanding amount, whichever is higher.

Are You Eligible For The Maybank Grab Master Card Platinum?

• Only Malaysians can apply for the Maybank Grab Master Card Platinum with a minimum annual income of RM36,000. The individual must be between 21 years old to 65 years old to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.maybank2u.com.my/

Enjoy Special Promotions with Your Maybank Shopee Card

• As a Maybank Shopee cardholder, you can also enjoy special promotions, such as receiving a 50% off (capped at RM50) without a minimum spend for Anello, P&G, Arctic Hunter, Enfragrow A+, Tefal and realme products on Shopee App as well as a 1-For-1 Seasonal Beverages at San Fransisco Coffee outlets

Fees and Charges

• You need not to pay for the annual fee to renew your principal and/or supplementary card as it is free for life! Sales And Service TaxRM25 on each principal and supplementary card upon activation and anniversary date with a Minimum Monthly Payment of RM25 or 5% of outstanding amount, whichever is higher.

Are You Eligible For The Maybank Shopee Visa Platinum Card?

• Anybody can apply for the Maybank Shopee Visa Platinum Card with a minimum annual income of RM36,000. The individual must be between 21 years old to 65 years old to hold a primary card. Supplementary card applicants must be age 18 and above.

The above sources can be found at https://www.maybank2u.com.my/

Full Travel Insurance

• Get a complimentary travel insurance coverage worth up to RM500,000, including compensation for travel inconveniences such as delayed flight or missed flight, and delayed luggage or lost luggage. Just charge your travel arrangement to Mutual Gold Visa Platinum credit card to qualify.

Fees and Charges

• Free for life for both primary and supplementary card holders. Waived when as long as the Mutual Gold/Mutual Gold Elite/Mutual Platinum status is maintained with Public Mutual Berhad.

Are You Eligible For The Mutual Gold Public Bank Visa Platinum Card.

• Only those who are invited can apply for the Mutual Gold Public Bank Visa Platinum Card. The individual must be aged 21 years old and above to apply as a principal card holder and 18 years old and above for supplementary card holders.

The above sources can be found at https://www.pbebank.com/

FREE insurance

• Public Bank understands that running a business involves a lot of risks, therefore it is important to have a backup plan that a company can remunerate for losses. With two complimentary insurance coverages: corporate liability waiver of up to USD1.65 Million and travel insurance with a maximum of RM1 Million per cardmember per annum, your company not only be saving on additional insurance expenses, but also get protected from any untoward incidences.

Fees and Charges

• It is RM150 for primary card holders with the first year being free of charge. The card can be waived once it reaches 12 swipes per year.

Are You Eligible For The Public Bank Visa Business Card.

• Any business can apply for the Public Bank Visa Business Card if the business is 21 years old and above.

The above sources can be found at https://www.pbebank.com/

Cashback

• Get 2% Cash MegaBonus on every retail item spend outside of Malaysia. Earn 0.3% Cash MegaBonus on all retail purchases made locally. Until 30 September 2021, get 30% cashback when you spend minimum RM100 on contactless transactions (Visa PayWave). Kindly SMS to participate “PBPW<space>16-digit Principal PB Visa Credit Card number to 66300”. Transactions such as auto-debits, utilities, insurance premiums, government and charity-related payments are not included for this cashback. Terms and conditions apply.

Fees and Charges

• It is free for life for both primary and supplementary card holders.

Are You Eligible For The Public Bank Visa Infinite Card.

• Anybody can apply for the Public Bank Visa Infinite Card if you are earning a minimum annual income of RM100,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

Cashback

• Don’t forget to use your Quantum MasterCard when you shop online as you can get 5% cashback, capped at RM30 per month.

Fees and Charges

• It is free for life for both primary and supplementary card holders.

Are You Eligible For The Public Bank Quantum Master Card.

• Anybody can apply for the Public Bank Quantum Master Card if you are earning a minimum annual income of RM36,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

Full Travel Protection

• Flying in clients calls for lots of preparation and anxiety, so why not fly your marketing team all the way to them! Not to worry, the Public Bank Visa Commercial has got you covered with Travel Insurance Protection for you and your employees for up to RM1 Million, encompassing accidents and inconvenience experienced during the course of your trip.

Fees and Charges

• It is RM150 for primary card holders with the first year being free of charge.

Are You Eligible For The Public Bank Visa Commercial Card.

• Any business can apply for the Public Bank Visa Commercial Card if the business is earning a minimum annual income of RM100,000 and is 21 years old and above to apply as principal card holder.

The above sources can be found at https://www.pbebank.com/

0% Balance Transfer Plan

• Do you own multiple credit cards? Why not transfer all of your other outstanding balances into a flexible instalment plan instead? With Public Bank’s 0% Balance Transfer Plan, you may convert your outstanding balances from different credit cards and enjoy ZERO management fee and a 6-month instalment plan. You just have to make sure that the outstanding balances reach RM1,000 or above before being eligible for this balance transfer plan.

Fees and Charges

• It is RM150 for primary card holders with the first year being free of charge. It can be waived when you swipe 12 times for subsequent years. On the other hand, RM100 is charged for supplementary card holders.

Are You Eligible For The Public Islamic Bank MasterCard Gold Credit Card-i.

• Anybody can apply for the Public Islamic Bank MasterCard Gold Credit Card-i if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

Not one but two EPPs

• Make your shopping experience more satisfying and less worrying with not one but TWO installment payment plans! When you swipe your credit card at Public Bank’s participating retail stores, you can call the bank to request for ZIIP and choose a tenure that you are most comfortable with to repay the loan as it costs you not a single charge! All you are required is to transact a minimum of RM500 in a single receipt.

Fees and Charges

• It is RM75 for primary card with the first year being free of charge. It can be waived when the card reaches 12 swipes per year. For supplementary card holders, there is a charge of RM45.

Are You Eligible For The Public Bank MasterCard Standard.

• Anybody can apply for the Public Bank MasterCard Standard if you are earning a minimum annual income of RM36,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

0% Installment Plan

• With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion. First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card installment plan for purchases made at non-participating merchants at a small fee. But if you’re hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount – always check out on Public Bank credit card promotions!

Fees and Charges

• It is free for life for both primary and supplementary card holders without any conditions!

Are You Eligible For The Public Bank AIA Visa Gold Card.

• Anybody can apply for the Public Bank AIA Visa Gold Card if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

Air Miles Redemption

• If you are a frequent flyer, then this premium travel credit card is the right one for you. Public Bank World MasterCard Credit Card is a reward credit card that gives Air Miles upon retail transactions at a fair conversion rate. For every Ringgit swiped overseas and locally, you earn 3x Air Miles and 1x Air Mile respectively.

Fees and Charges

• It is free for life for both primary and supplementary card holders.

Are You Eligible For The Public Bank World MasterCard Credit Card

• Anybody can apply for the Public Bank World MasterCard Credit Card if you are earning a minimum annual income of RM100,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

Free Travel Insurance

• Suitable for those whose line of works entail business traveling and anyone who is fond of traveling, Public Bank Visa Platinum credit card is equipped with a complimentary travel insurance plan that includes a claim for inconveniences such as flight delayed, luggage lost/delayed etc. To qualify for this free travel insurance coverage of up to RM500,000, all you need to do is make a full travel arrangement such as purchasing flight tickets with your Visa Platinum credit card. Voila! Never have to worry again.

Fees and Charges

• RM333 for primary card holders while the first year is free. However, it can be waived when you swipe 12 times for subsequent years. On the other hand, we charge RM150 for supplementary card holders.

Are You Eligible For The Public Bank Visa Platinum Card?

• Anybody can apply for the Public Bank Visa Platinum Card if you are earning a minimum annual income of RM50,000 and is above 21 years old to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

Cashback

• Do you like the idea of getting back your money after spending it? Well, Public Bank Quantum Visa credit card gives you 5% cashback on every contactless transaction. Take your Quantum Visa whenever you plan to watch movies or attend concert or shopping at Robinson, Parkson, AEON, Isetan etc because you can enjoy significant savings up to RM30 every month.

Fees and Charges

• It is free for life for both primary and supplementary card holders.

Are You Eligible For The Public Bank Quantum Visa Card.

• Anybody can apply for the Public Bank Quantum Visa Card if you are earning a minimum annual income of RM36,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.pbebank.com/

Standard Chartered Liverpool FC Cashback, Where Security is Priority

• Enjoy peace of mind whenever you shop online! You will be covered up to USD200 for your online purchases. So if your purchases are not delivered for more than 30 days or worse, damaged – you will be reimbursed if the online seller or courier service company did not pay you a refund. In an unfortunate event where you need to cancel and replace your credit card, you can call +603 7849 6888.  Your Standard Chartered Liverpool FC Cashback replacement card can be sent to you almost anywhere in the world!

Fees and Charges

• RM175 for primary card holders while the first year is free. RM0 for supplementary card holders.

Are You Eligible For The Standard Chartered Liverpool FC Cashback Master Card?

• Only Malaysians can apply for the Standard Chartered Liverpool FC Cashback if you are earning a minimum annual income of RM36,000 and is between 21 years old to 65 years old to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://ringgitplus.com/en/

6% cashback on Digital Lifestyle spend

• To unlock a 6% cashback, capped at RM20 per month from your Standard Chartered Smart Credit Card on Digital Lifestyle category, just spend a minimum of RM1,000 on retail transactions at these merchants:

• Astro
• iQIYI
• Joox
• Netflix
• PlayStation
• Spotify
• Steam

Fees and Charges

• RM120 for primary card holder but free for first year and waived when you spend RM12,000 annually for the subsequent years while it is totally free for supplementary card holders.

Are You Eligible For The Standard Chartered Smart Credit Card?

• Anybody can apply for the Standard Chartered Smart Credit Card if you are earning a minimum annual income of RM36,000 and is between 21 years old to 65 years old to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://ringgitplus.com/en/

Cash Rebate Offers

• Although CIMB Islamic does not charge an annual fee for the usage of this credit card, it is subject to a Yearly Facility Charges of RM48,000, in return for the services made available to CIMB Islamic MasterCard Platinum Credit Card. Based on the Ujrah concept, the Yearly Facility Charges will be billed into your monthly statement. But don’t get alarmed as CIMB Islamic may, at its absolute discretion, grant you rebate or waive all or part of the charges.

Fees and Charges

• RM0 for both primary card and supplementary card.  It is free for life!

Are You Eligible For The CIMB Islamic Master Card Platinum?

• Only Malaysians can apply for the CIMB Islamic Master Card Platinum if you are earning a minimum annual income of RM24,000 and is between 21 years old to 65 years old to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.cimb.com.my/en/personal/home.html

Free Travel Insurance from CIMB Enrich Platinum MasterCard

• Receive an automatic travel insurance coverage up to RM1 million whenever you charge full airline tickets to your CIMB Enrich World MasterCard. The insurance coverage also includes travel inconveniences such as lost baggage or flight delay.

Fees and Charges

• RM0 for both primary card and supplementary card.  It is free for life!

Are You Eligible For The CIMB Enrich Platinum Master Card?

• Only Malaysians can apply for the CIMB Enrich Platinum Master Card  if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.cimb.com.my/en/personal/home.html

Dining Privileges

• Waiting for a year-end sale can take your youth away. Sign up for a CIMB Platinum credit card to enjoy all year round promotions, offers, deals, discounts and gifts at selected CIMB retail and dining establishments. There are a host of partners providing a myriad of products and services ranging from health & beauty, auto parts & services, department stores, golf club, travel and education under Retail Privileges. For Dining Privileges, you can explore epicurean cuisine, wine, desserts and fine dining experience at selected renowned hotels regionally such as Hard Rock Hotels, Hilton Hotels and Eastin Hotels, among others.

Fees and Charges

• RM0 for both primary card and supplementary card.  It is free for life!

Are You Eligible For The CIMB Platinum Master Card?

• Only Malaysians can apply for the CIMB Platinum Master Card  if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.cimb.com.my/en/personal/home.html

Plaza Premium Lounge and ZON Duty Free Outlets Privileges

• Indulge in the privacy and exclusivity while waiting for your boarding call in the premium airport lounge. Up to 28 February 2022, CIMB Preferred customers get a maximum of 8x access per year at all Plaza Premium Lounges around the world. Thinking of getting mementos for yourself or souvenirs for your loved ones?  Flash your CIMB Preferred credit card at the ZON Duty Free outlets to get a 15% discount.

Fees and Charges

• There is no charges for both primary and supplementary card holders.

Are You Eligible For The CIMB Preferred Visa Infinite Card?

• Only those who are invited can apply for the CIMB Preferred Visa Infinite Card if you are between 21 years old to 65 years old to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.cimb.com.my/en/personal/home.html

Extra Rewards, Unlimited Choices with CIMB e Credit Card

• Shop until you drop as the CIMB e Credit Card has no minimum spend required on any platforms. It gets better! Enjoy up to 12x bonus points with CIMB featured partners and get exclusive deals on every 10th of the month on eDay. 10x bonus points will be rewarded when you make online/contactless purchases with other merchants on eDay too. Plus, get 5x bonus points every other day with Online Retail purchases, E-Wallets, and Auto-Billing Payments. Plus, 1x bonus point when you make contactless transactions for in-store spending. Meanwhile, if you tend to shop everyday, you will also earn 1x bonus point on in-store PIN purchases!

Fees and Charges

• This CIMB e Credit Card charges an annual fee of RM100 for primary card holders. It is free for the first year and waived when you spend RM12,000 annually for the subsequent years while it is completely free for supplementary card.

Are You Eligible For The CIMB e Credit Card?

• Anybody can apply for the CIMB e Credit Card  if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.cimb.com.my/en/personal/home.html

Complimentary Airport Lounge Access in 19 Countries

• Enjoy 12 complimentary access to airport lounges in 19 countries including Australia, Brazil, Hong Kong, Canada, Malaysia, Indonesia, Saudi Arabia, Italy and Singapore. Click here for the full list of eligible Plaza Premium Lounges.

Fees and Charges

• ThisHSBC premium travel credit card charges you zero annual fee for the first year, and RM600 per annum after. However, the annual fee can be waived when you spend more than RM45,000 annually. What’s more, supplementary card holders will not be charged with any annual fee!

Are You Eligible For The HSBC Premier Travel Credit Card?

• Only HSBC Premier Account members with min. RM200,000 in total relationship balance with HSBC can apply for the HSBC Premier Travel Credit Card  if you are earning a minimum annual income of RM36,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.hsbc.com.my/

1-for-1 Dining Deals at the Shangri-La Hotel

• Looking for a scrumptious dining experience to treat your special one’s special night?The Shangri-La Hotel Kuala Lumpur and Shangri-La’s Tanjung Aru Resort & Spa Kota Kinabalu have got you covered with a 1-for-1 Dining Deals at its restaurants:

• Arthur’s Bar
• Shangri-La Hotel Kuala Lumpur
• Arthur’s Bar and Grill
• Lafite
• Lemon Garden
• Shang Palace
• Zipangu
• Café TATU

Fees and Charges

• This signature priority credit card charges you zero annual fee for life, no conditions and no hidden motives while it is also free for first 3 Supplementary card. 4th supplementary card onwards is RM188 p.a.

Are You Eligible For The AmBank Signature Priority Banking Visa Infinite Card?

• Only those who are invited can apply for the AmBank Signature Priority Banking Visa Infinite Card if you are earning a minimum annual income of RM120,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.imoney.my/

Save Money with Petrol Cashback

• This AmBank Islamic Visa Platinum CARz Card-i lets you earn attractive cash rebates when you refuel at any petrol stations of your choice in Malaysia. Get as high as 5% cash rebate, capped at RM80 per card every month, when you make a minimum or partial credit card payment every month.  If you like to pay your card bills in full, you will get 2% cash rebate, capped at RM20 per card every month. Both you the principal cardholder and supplementary cardholder are eligible for this petrol cash rebate.

Fees and Charges

• Yes, you absolutely read it right! Not only you can save money on petrol refill, this AmBank Islamic Visa Platinum CARz Card-i is also free for life. That’s not all, the first three (3) supplementary cards are free from annual fee as well, no conditions attached. However, starting from the fourth supplementary cards onward, an annual fee of RM188 will be incurred.

Are You Eligible For The AmBank Islamic Visa Platinum CARz Card-i?

• Anybody can apply for the AmBank Islamic Visa Platinum CARz Card-i  if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.ambank.com.my/eng/

Dining, Hotel and Concierge Privileges

• As long as you spend a minimum of RM30,000 over one (1) year from the date of Hilton Premium Club Membership enrollment, you are entitled for the extended privileges such as fancy dining discount up to 50% and 20% off on hotel room rates for all participating Hilton Worldwide Hotels in Asia. To top it off, Visa Concierge Services will be there for you round-the-clock anticipating for you and your lifestyle needs. Whether at home or overseas, you can contact their toll-free numbers to get assistance such as card replacement, cash disbursement, medical assistance, and travel assistance among others.

Fees and Charges

• This Islamic premium credit card charges you zero annual fee for life, no conditions and no hidden motives. What’s more, your first three (3) supplementary cardholders can also enjoy this annual fee waiver benefit as you – the more the merrier!

Are You Eligible For The AmBank Islamic Visa Signature Card-i?

• Only Malaysians and Permanent Residents can apply for the AmBank Islamic Visa Signature Card-i  if you are earning a minimum annual income of RM80,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.ambank.com.my/eng/

Free Airport Lounge Access

• Travel in style with AmBank Islamic Visa Infinite Card-i as you are entitled to a complimentary access to the Plaza Premium Lounge worldwide for 5 times in a year.Sit back and relax in the comfort of privacy for 3 hours where you can use all facilities such as WiFi, shower, food and beverages, and entertainment to take your mind off before starting your journey. To enjoy this benefit, just spend minimum RM500 within 30 days before or after the lounge access. Click here to view the list of available airport lounges
  

Fees and Charges

• The annual fee is totally free of charge for this Ambank credit card. Of course, you can share the benefits of this card with your beloved family members who are aged 18 and above by giving them supplementary cards. The first 3 supplementary cards are free for life, while the 4th supplementary card onwards will be charged RM188 a year. RM10 or 1% of outstanding amount, up to a maximum of RM100 will be charged for late payment fee while cash withdrawal fee takes up RM50 or 5% of withdrawn amount, whichever is higher.

Are You Eligible For The AmBank Islamic Visa Infinite Card-i?

• Only Malaysians and Permanent Residents can apply for the AmBank Visa Infinite Card-i if you are earning a minimum annual income of RM120,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.ambank.com.my/eng/

Dining & Hotel Room Privileges at Hilton

• With Ambank Visa Platinum, you can sign up for a complimentary Hilton Dining Asia Pacific Membership Card that grants you exciting discounts for dining and hotel rooms at Hilton hotels. Every time you book a room or two at any Hilton hotels within Asia Pacific, you will receive up to 50% discount on dining. If it’s your birthday, a complimentary birthday cake and buffet is yours to indulge in too!  20% off the Easy Cancellation Rate for accommodations will be given to you as well when you charge your room booking with Ambank Visa Platinum card. Please be noted that the above privileges are extended FREE to card members that spend RM30,000 over a year from the date of successful membership enrolment.

Fees and Charges

• The annual fee is totally free of charge for this Ambank credit card. Of course, you can share the benefits of this card with your beloved family members who are aged 18 and above by giving them supplementary cards. The first 3 supplementary cards are free for life, while the 4th supplementary card onwards will be charged RM188 a year. RM10 or 1% of outstanding amount, up to a maximum of RM100 will be charged for late payment fee while cash withdrawal fee takes up RM50 or 5% of withdrawn amount, whichever is higher.

Are You Eligible For The AmBank Islamic Visa Platinum Card?

• Anybody can apply for the AmBank Islamic Visa Platinum Card if you are earning a minimum annual income of RM48,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.ambank.com.my/eng/

Upgrade Your Travel Styles

• Whether for business or holiday purposes, anyone who travels frequently will benefit greatly from holding an AmBank UnionPay Platinum Credit Card. Use your AmBank UnionPay Platinum credit card to pay for every retail purchase when you’re overseas and you’ll be surprised to see that for every Ringgit swiped, you earn 5x AmBonus Points.

The Travel Benefits

• On top of allowing you to collect points faster (5x AmBonus Points for every RM1 overseas spend), this first local bank-issued UnionPay Platinum card gives you more travel benefits such as Complimentary Access to Plaza Premium Lounge. Experience the premium service, privacy and comfort of the airport lounge where you can unwind and recharge yourself with food, drinks, entertainments, personal grooming and many more for 3 hours. Get 2x complimentary access per year to Plaza Premium Lounge at over 27 major airports worldwide when you spend minimum RM500 on retail purchases before or after accessing the lounge. If you’re traveling with a partner or in a group, they are entitled to a 25% discount on all lounges in Malaysia and a 20% discount on all lounges overseas.

Are You Eligible For The AmBank UnionPay Platinum Credit Card?

• Anybody can apply for the AmBank UnionPay Platinum Credit Card if you are earning a minimum annual income of RM60,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://www.ambank.com.my/eng/