Showing 141 results of all credit cards in Malaysia No results found

  • Featured

    Citi Cash Back Card

    Earn up to 10% cashback on dining, groceries, petrol and GRAB rides!!!

    + Show Card Features
    Activate and Get Trolley Bag or Smartback & Gym Bag
    Valid until 31 December 2019
    Apply Now
  • Featured

    Citi Clear Credit Card

    Enjoy 1 for 1 movie ticket every Friday at GSC or TGV. Need more? Get 1 for 1 drinks every Monday to Friday at The Coffee Bean and Tea Leaf.

    + Show Card Features
    Activate and get Trolley Bag or Smartback & Gym Bag*
    Valid until 31 December 2019
    Apply Now
  • Featured

    HSBC Visa Signature Card

    Up to 8x Reward Points from local, overseas and shopping spend with complimentary Plaza Premium Lounge Access

    + Show Card Features
    Get RM500 Lazada e-Voucher*
    Valid until 28 February 2019
    Apply Now
  • Featured

    HSBC Amanah MPower Platinum Credit Card-i

    Get up to 8% cashback everyday on your petrol and groceries spending!

    + Show Card Features
    Get RM500 Lazada e-Voucher*
    Valid until 28 February 2019
    Apply Now
  • Featured

    Alliance Bank You:nique Card - Rebates

    Enjoy up to 3% unlimited cashback on all retail spending without any restriction!

    + Show Card Features
    Get 0% Flexi Balance Transfer Plan for 6 months*
    Valid until 31 December 2018
    Apply Now

  • Maybank Visa Signature

    5% cashback on petrol and grocery spend

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM550.00
    Apply Now

  • Maybank 2 Cards Premier

    Best Air Miles Conversion Rate: 4500 Treatspoints for 1000 Air Miles

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • AmBank BonusLink VISA Signature

    Enjoy 2-in-1 card that gives you privilege of a Signature Credit Card AND a BonusLink Card

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Maybank Islamic PETRONAS Platinum-i

    Earn up to 8x TreatsPoints from petrol spending at PETRONAS and groceries

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Maybank PETRONAS Maybankard Platinum

    Earn up to 8x TreatsPoints from petrol spending at PETRONAS and groceries

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Maybank PETRONAS Maybankard

    Up to 8x TreatsPoints from petrol spending at PETRONAS and groceries

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Standard Chartered WorldMiles World Mastercard

    Easily collect WorldMiles points when you spend overseas and convert them to your preferred frequent flyer programme AirMiles online, or redeem travel vouchers from Asiatravel

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • AmBank BonusLink VISA Gold

    Enjoy 2-in-1 card that gives you privilege of a Gold Credit Card AND a BonusLink Card.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • UOB ONE Card Platinum

    With this card, you earn up to 5% cashback on all retail transactions at selected merchants, and get exclusive dining privileges at over 1,000 outlets!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM168.00
    Apply Now

  • AmBank BonusLink VISA Platinum

    Enjoy 2-in-1 card that gives you privilege of a Platinum Credit Card AND a BonusLink Card

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Standard Chartered Visa Platinum

    Get 5,000 bonus points every month and 5x points for dining, department stores, as well as overseas spend

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • Mach Visa Credit Card

    Earn up to 10% cashback on retail spending from 3 out of 12 categories which you can choose from, and can switch between these categories as you like!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • Alliance Bank Platinum Card

    Enjoy exclusive privileges when travelling while earning Timeless Bonus Points that do not expire to claim your free flights!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Standard Chartered JustOne Platinum Mastercard

    Up to 15% cashback monthly for petrol, auto bill payments and online purchases.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • Maybank Islamic MasterCard Ikhwan Platinum Card

    5% cashback on petrol and grocery on Friday and Saturday

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Maybank Islamic MasterCard Ikhwan Gold Card

    5% cashback on petrol and grocery on Friday and Saturday

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now
  • Featured

    Alliance Bank You:nique Card - Rates

    Enjoy 9% p.a low interest rate on your credit card for the first 12 months while continue to enjoy this low rate for prompt payment.

    + Show Card Features
    Get 0% Flexi Balance Transfer Plan for 6 months*
    Valid until 31 December 2018
    Apply Now

  • Maybank 2 Cards

    5% cashback on all weekend transactions and up to 5x TreatPoints from local and overseas spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Mach Signature Credit Card

    Earn MAS Enrich Miles when you spend on any retail transactions, and also enjoy a 6 month period of 0% interest on overseas transactions!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now
  • Featured

    Alliance Bank You:nique Card - Rewards

    Enjoy 2x Timeless Bonus Points for every RM1 spent on retail transactions.

    + Show Card Features
    Get 0% Flexi Balance Transfer Plan for 6 months*
    Valid until 31 December 2018
    Apply Now

  • Alliance Bank Visa Infinite

    Gain up to 5x Timeless Bonus Points for retail spend and convert them for free flights, lifestyle merchandises and shopping vouchers!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • UOB ONE Card Classic

    Get up to 5% cashback on all your retail transactions at selected merchants, and you are also given exclusive dining privileges at over 1,000 merchants nationwide!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM68.00
    Apply Now

  • RHB Cash Back Credit Card

    Earn up to RM 50 Cash Back per month for petrol, groceries, online dining & grocery delivery

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee RM74.20
    Apply Now

  • Standard Chartered CashBack Gold MasterCard

    Earn up to 5% cashback monthly on all retail spending, and get exclusive dining deals at more than 1,000 outlets nationwide!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now
  • Featured

    HSBC Visa Platinum

    Enjoy up to 8x Reward Points from retail spend at participating mall nationwide

    + Show Card Features
    Get RM500 Lazada e-Voucher*
    Valid until 28 February 2019
    Apply Now

  • Maybank Islamic PETRONAS Gold-i

    Up to 8x TreatsPoints from petrol spending at PETRONAS and groceries

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • RHB MyEG-RHB Credit Card

    Earn up to 5x Reward Points when you pay any of your bills on MYEG! And you will also get to enjoy a 0% interest Installment Payment Plan at all participating merchants!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee RM88.00
    Apply Now
  • Featured

    Citi Business Platinum Card

    Receive unlimited 1.2% cashback on overseas spending & unlimited 0.5% on local spending. Not enough? Get up to RM1,000,000 insurance coverage!

    + Show Card Features
    Activate your card and Get Trolley bag OR Smartbackpack & Gym Bag
    Valid until 31 December 2019
    Apply Now

  • Maybank Islamic Ikhwan Infinite

    Up to 5x TreatPoints on all retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM800.00
    Apply Now

  • Maybank Visa Infinite Card

    Up to 5x TreatsPoints from retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM800.00
    Apply Now

  • BSN Platinum MasterCard / Visa

    Earn up to 2x BSN Reward Points from all your retail spending, on top of Travel Accident Insurance coverage of up to RM1,000,000!

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • UOB Lady's Solitaire Card

    Earn up to 10% cashback on grocery transactions at selected merchants, and get one complimentary access at True Fitness too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM600.00
    Apply Now

  • UOB Lady’s Platinum Card

    Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM128.00
    Apply Now
  • Featured

    Citi Rewards Card

    When you spend at any major supermarkets and department stores, receive 5X Rewards points when you shop for everyday purchases, or when you travel - all year round!

    + Show Card Features
    Activate within 60 days of approval and Get Trolley bag OR Smart Backpack & Gym bag*
    Valid until 31 December 2019
    Apply Now

  • UOB Lady’s Classic Card

    Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM68.00
    Apply Now

  • Hong Leong MATTA Card

    Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM300.00
    Apply Now

  • HSBC Premier World MasterCard

    Earn up to 10x Reward Points from all hotel, dining, and shopping spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • AmBank Visa Infinite

    For every RM1 spent overseas, you earn 5 AmBonus Points! And also enjoy exclusive travel, golf, and dining privileges too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • AmBank World MasterCard

    Earn 5 AmBonus Points for every RM1 spent overseas! Also, enjoy exclusive travel, golf, and dining privileges.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • Citi Simplicity+ Credit Card

    Earn 10% interest back every month for on-time payments

    + Show Card Features
    Activate your card and Get Trolley bag OR Smartbackpack & Gym Bag
    Valid until 31 December 2019
    Apply Now

  • RHB Visa Infinite

    Earn up to 3x Reward Points from all your retail spending, and get exclusive travel, gold, and spa privileges and discounts too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee RM1,000.00
    Apply Now

  • AmBank Carz Platinum MasterCard

    Enjoy up to 5% cashback on your petrol spending, and the Easy Payment Plan gives you 24 months 0% interest for your road tax payment!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now
  • Featured

    Citi Cash Back Platinum

    Earn up to 10% cashback on dining, groceries, petrol and GRAB rides

    + Show Card Features
    Activate within 60 days of appoval and Get trolley bag OR Smart Backpack & Gym bag*
    Valid until 31 December 2019
    Apply Now

  • Public Bank Platinum MasterCard Credit Card

    Every ringgit spent with the card will earn you VIP Points, on top of getting 0.9% cashback for your spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM333.00
    Apply Now

  • Alliance Bank Gold Card

    Enjoy 2x Timeless Bonus Points on overseas retail and domestic utility spending. Convert the points into air miles and get your free flight!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN Classic Card-i

    Earn BSN Happy Reward points of up to 2x with all retail spending, on top of Travel Accident insurance coverage of up to RM300,000!

    Interest Rate (p.a) 11%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • CIMB Visa Signature

    Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • CIMB World MasterCard

    Earn Bonus Points from local and overseas retail spending, and get Travel Accident insurance with coverage of up to RM1,000,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • Hong Leong Platinum Card

    Every month you will receive up to 2% cashback from all your retail spending, and this card comes with a business-size credit limit of up to RM300,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM400.00
    Apply Now

  • Hong Leong The Store and Pacific Platinum

    Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM300.00
    Apply Now

  • Hong Leong GSC Platinum Card

    Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM300.00
    Apply Now

  • Hong Leong GSC Gold Card

    Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM150.00
    Apply Now

  • AEON Gold Visa / MasterCard

    Receive exclusive offers at AEON stores nationwide when you use the AEON Gold Visa/MasterCard, and also enjoy premium benefits which will be yours with this card!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM95.00
    Apply Now

  • AEON Classic Visa / MasterCard

    Enjoy amazing deals and discounts from AEON stores all cross Malaysia, giving you more value for your money, and also earn reward points for every ringgit you spend!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM30.00
    Apply Now

  • Hong Leong The Store and Pacific Gold

    Earn up to 6% cashback on retail spending at The Store and Pacific, and gain access to shopping and travel privileges too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM150.00
    Apply Now

  • HSBC Advance Visa Platinum Credit Card

    Get privileges and discounts at over 6,500 shopping outlets!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • CIMB Cash Rebate Gold

    Great cash rebates with 10% cash back on monthly interest charged, a 5% cash rebate on online spending, and 2% cash rebate on all retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • CIMB Cash Rebate Platinum

    Enjoy 10% cash rebate on monthly interest and 5% cash rebate on online spend

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • AmBank Carz Gold Visa Card

    Earn up to 3% cashback on your petrol expenditure.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • UOB Preferred Platinum

    You get to earn up to 2x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM198.00
    Apply Now

  • OCBC 365 MasterCard

    Earn 1% cashback on all retail transactions up to RM1,000, and 0.5% cashback on any subsequent spending above RM1,000!

    Interest Rate (p.a) 18%
    Balance Transfer (p.a) 0%
    Annual Fee RM100.00
    Apply Now

  • UOB PRVI Miles

    Earn up to 4 Airmiles for every RM5 spent at AirAsia BIG Points, Kris Flyer, Enrich Flyer and Asia Miles

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM198.00
    Apply Now

  • Hong Leong WISE Card

    Choose which 2 of the 9 categories of retail spending you would like to receive cashback of 10% from, and you can switch among the categories at any time too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM160.00
    Apply Now

  • AmBank True Visa Card

    Enjoy 0% interest on all purchases for the first 3 months, and the card is yours free-for-life and for the first 3 supplementary cards!

    Interest Rate (p.a) 12%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • BSN Classic Card

    Receive up to 2x BSN Happy Reward points with all retail spending, and get complimentary Travel Accident insurance coverage of up to RM300,000!

    Interest Rate (p.a) 11%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN UUM-BSN Platinum Credit Card-i

    Collect up to 2x BSN Reward points from all retail spending, and get Travel Accident insurance coverage of up to RM500,000!

    Interest Rate (p.a) 9.95%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN Gold Card

    Earn up to 2x BSN Happy Reward points for all overseas retail spending, with Travel Accident insurance coverage of up to RM300,000!

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN Gold Credit Card-i

    All your overseas retail spending will be rewarded with up to 2x BSN Reward points, included with Travel Accident insurance coverage of up to RM300,000!

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • AmBank Platinum MasterCard / Visa

    Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Also get complete travel insurance coverage of up to RM1,000,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • BSN UUM-BSN Gold Credit Card-i

    This card rewards up to 2x BSN Reward points with all retail spending, and get covered with Travel Accident insurance of up to RM500,000!

    Interest Rate (p.a) 9.95%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN 1 TeachersCard MasterCard Credit Card-i

    Earn up to 2x BSN Reward points from retail spending, and receive Travel Accident insurance coverage of up to RM500,000!

    Interest Rate (p.a) 8.88%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN 1 TeachersCard MasterCard

    Up to 2x BSN Reward points will be rewarded to you from all your overseas retail spending, and includes Travel Accident insurance coverage of up to RM500,000!

    Interest Rate (p.a) 8.88%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • BSN Platinum Credit Card-i

    With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM1,000,000!.

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • OCBC World MasterCard

    Earn unlimited cashback of 1.2% on all retail transactions* and also receive Personal Accident Insurance coverage of up to RM2,000,000!

    Interest Rate (p.a) 18%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • RHB World Mastercard Credit Card

    Earn up to 6% cashback for local spending and 2% cashback for overseas spending.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee Free
    Apply Now

  • RHB Signature Credit Card

    Earn unlimited cashback of 1% on all online and overseas transactions, and 0.5% cashback on all local spendings too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee RM600.00
    Apply Now

  • UOB VOX Card

    Earn up to 5% cashback on online shopping, 1% cashback on petrol at BHPetrol stations nationwide, and up to 0.3% cashback on other retail transactions!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee RM72.00
    Apply Now

  • Hong Leong Essential Card

    Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM100.00
    Apply Now

  • OCBC Great Eastern Platinum

    FREE RM100,000 insurance coverage on death or total and permanent (TPD) disability for principal cardholder in the first year. Spend RM10,000 and above on total retail spending in the current year to enjoy subsequent coverage renewal in the following year.

    Interest Rate (p.a) 18%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • CIMB Visa Infinite Card

    Earn 1% cashback on all overseas retail spending, complimentary Plaza Premium Lounge access, and year-long discounts at over 500 participating merchants!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • Hong Leong Gold Card

    You will be rewarded for all your retail spending with Reward Points, on top of getting to enjoy a 6 or 12 month interest Easy Payment Plan at 0%!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM160.00
    Apply Now

  • Hong Leong Fortune Credit Card

    Get bonus cashback when you spend upwards of RM38,000, on top of 1% cashback on all of your retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM160.00
    Apply Now

  • Maybank MasterCard Gold

    Travel insurance with coverage of up to RM500,000

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM130.00
    Apply Now

  • Maybank Visa Classic

    Travel insurance with coverage of up to RM300,000

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM60.00
    Apply Now

  • Maybank Visa Gold

    Travel insurance with coverage of up to RM500,000

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM130.00
    Apply Now

  • Maybank MasterCard Classic

    1x TreatsPoint from all retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM60.00
    Apply Now

  • HSBC Amanah Premier World MasterCard-i

    Earn up to 1% cashback on retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Public Bank Executive MasterCard Credit Card

    Earn Premium Points from retail spending, and receive Travel Accident Insurance with coverage of up to RM300,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM88.00
    Apply Now

  • Hong Leong Classic Card

    You get to earn Reward Points from all your retail spending, and also enjoy a 0% interest Extended Payment Plan for 6 or 12 months!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM80.00
    Apply Now

  • CIMB PETRONAS Platinum

    Get up to 5% petrol cashback at ALL Petronas petrol stations nationwide, and also receive exclusive discounts and cashback at all participating merchants!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • Maybank American Express Platinum

    Up to 10x Membership Rewards points from all retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM800.00
    Apply Now

  • Public Bank Visa Platinum Credit Card

    Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM333.00
    Apply Now

  • RHB Rewards Credit Card

    Earn up to 10x reward points for Movie, Overseas,Online, Health, Insurance, Shopping & other Retail spend ! You also won’t miss out on golf privileges at Kota Permai & Sungai Long Golf & Country Club too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee RM212.00
    Apply Now

  • AmBank Imagine Visa Card

    Get exclusive promotions and privileges at restaurants, coffee houses, cinemas and more, and this card is yours free-for-life and for the first 3 supplementary cards!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • AmBank Gold MasterCard / Visa Card

    Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • AFFINBANK Touch n Go Classic

    Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!

    Interest Rate (p.a) 9.99%
    Balance Transfer (p.a) 0%
    Annual Fee RM50.00
    Apply Now

  • AFFINBANK Gold Card

    Get up to 0.8% cashback on retail transactions with no maximum limit! And also receive a lifetime annual fee waiver with this card!

    Interest Rate (p.a) 9.99%
    Balance Transfer (p.a) 0%
    Annual Fee RM150.00
    Apply Now

  • AFFINBANK Classic Card

    The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!

    Interest Rate (p.a) 9.99%
    Balance Transfer (p.a) 0%
    Annual Fee RM50.00
    Apply Now

  • AFFINBANK BHPetrol MasterCard

    Get free petrol credit of RM20, lifetime waiver on your cards annual fee, along with cashback of up to 0.8% with no maximum limit!

    Interest Rate (p.a) 9.99%
    Balance Transfer (p.a) 0%
    Annual Fee RM150.00
    Apply Now

  • AFFINBANK Touch n Go Gold

    This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!

    Interest Rate (p.a) 9.99%
    Balance Transfer (p.a) 0%
    Annual Fee RM150.00
    Apply Now

  • HSBC Amanah MPower Visa Credit Card-i

    Enjoy great deals at more than 6,500 local shopping outlets!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • AEON NEW AEON Classic Visa / MasterCard

    Earn rewards even faster, and get many added on benefits for you to enjoy when you shop at AEON!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM30.00
    Apply Now

  • Public Bank Visa Gold Credit Card

    Earn up to 0.7% cashback monthly on all your retail spending, and you will also receive Travel Accident and Inconvenience Insurance coverage!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM150.00
    Apply Now

  • AEON NEW AEON Gold Visa / MasterCard

    Get more rewards points when you spend at AEON Stores during AEON Day with the AEON New AEON Gold Visa/MasterCard!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM95.00
    Apply Now

  • Maybank Manchester United Visa

    Up to 10x TreatsPoints from purchase of Manchester United merchandise

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Public Bank Visa Classic Credit Card

    Earn 0.6% cashback on all retail spending, and also enjoy FREE Automatic Travel Insurance with coverage of RM350,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM75.00
    Apply Now

  • OCBC Titanium MasterCard (Blue/Pink)

    You can earn cashback of 1% on online transactions and overseas transactions and enjoy 0% interest Installment Payment Plan at all participating merchants!

    Interest Rate (p.a) 18%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Citi Prestige Credit Card

    With unique benefits and personalised services, Citi Prestige is your passport to a world of unforgettable experiences.

    + Show Card Features
    Activate within 60 days of appoval and Get trolley bag OR Smart Backpack & Gym bag*
    Valid until 31 December 2019
    Apply Now

  • Bank Islam Classic Card-i

    Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection!

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 13%
    Annual Fee RM60.00
    Apply Now

  • Bank Islam Gold Card-i

    Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants!

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 13%
    Annual Fee RM130.00
    Apply Now

  • Bank Islam Platinum Card-i

    Get cashback of up to 0.3% from retail transactions at all certified Halal merchants, RM100,000 of Takaful protection coverage, and Travel Accident insurance coverage too!

    Interest Rate (p.a) 13.5%
    Balance Transfer (p.a) 13%
    Annual Fee RM388.00
    Apply Now

  • Hong Leong American Express Platinum

    Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM800.00
    Apply Now

  • Hong Leong American Express Gold

    Get preferential foreign exchange rates on outward remittances from American Express, on top of earning up to 2x Reward Points from retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM160.00
    Apply Now

  • Hong Leong American Express Classic

    Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM160.00
    Apply Now

  • AEON Platinum Visa / MasterCard

    Be it daily necessities or lavish indulgences, AEON Platinum Credit Card is the perfect companion to your lifestyle.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM200.00
    Apply Now

  • Standard Chartered Priority Banking Visa Infinite Credit Card

    Earn 5x Reward Points from overseas spending, and get exclusive medical and travel insurance coverage too!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee RM800.00
    Apply Now

  • Maybank Islamic Ikhwan American Express Gold Card-i

    Up to 5x TreatPoints on all retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • AmBank Cosway Platinum MasterCard

    Earn up to 3x Cosway Points from your retail spending, and redeem these points at over 850 Cosway outlets nationwide!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • AmBank Visa Signature Card

    Earn 3 AmBonus Points for every RM1 spent overseas, and also enjoy exclusive dining and travel privileges!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • RHB SOGO-RHB Credit Card

    You get to enjoy a 0% interest Installment Payment Plan at all participating merchants, on top of earning up to 5% cashback from all retail transactions you make!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee RM88.00
    Apply Now

  • Public Bank Petron Visa Gold Credit Card

    Earn up to 5% cashback at any Petron Station

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • AmBank Cosway Gold MasterCard

    Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4.99%
    Annual Fee Free
    Apply Now

  • RHB Platinum Business Card

    Earn 1% cashback on groceries, shopping, dining and entertainment! Also get covered for Travel Insurance with coverage of up to RM1,000,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 4%
    Annual Fee Free
    Apply Now

  • Maybank MasterCard Platinum

    Dining and entertainment privileges

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM550.00
    Apply Now

  • Maybank Visa Platinum

    Up to 2x TreatsPoint from all retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM550.00
    Apply Now

  • Maybank Islamic Ikhwan American Express Platinum Card-i

    Up to 2x TreatsPoints from retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • Alliance Bank Basic Card

    Revert to basic with a "No Frill" credit card while still enjoying exclusive privileges, discounts and 0% Instalment Payment Plan

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee Free
    Apply Now

  • UOB Infinite Card

    Get exclusive dining, travel, shopping, gold, and fitness privileges with this card! You will also get a 0% interest Installment Payment Plan at all participating merchants!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 7.77%
    Annual Fee Free
    Apply Now
  • Featured

    Citi Shell-Citi Credit Card

    Enjoy up to 8% cashback when you fill up at all Shell petrol stations nationwide

    + Show Card Features
    Activate your card and Get Trolley bag OR Smartbackpack & Gym Bag
    Valid until 31 December 2019
    Apply Now
  • Featured

    Citi PremierMiles Visa Card

    Earn up to 2 PremierMile for every RM3 spent with complimentary access to selected international Plaza Premium Lounge

    + Show Card Features
    Activate your card and Get Trolley bag OR Smartbackpack & Gym Bag
    Valid until 31 December 2019
    Apply Now

  • Maybank KrisFlyer Amex Gold

    Earn up to 2 KrisFlyer miles from retail transactions

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM250.00
    Apply Now

  • CIMB Enrich World

    Earn up to 2x Malaysia Airlines Enrich Miles with all retail spending, and when you purchase 1 First Class or Business Class ticket, receive one free!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee RM888.00
    Apply Now

  • Maybank World MasterCard

    Earn 5 Treats AirMiles from local and overseas retail spending

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 0%
    Annual Fee RM1,000.00
    Apply Now

  • Standard Chartered Gold MasterCard

    Evergreen credit card with more than 1,000 dining deals nationwide.

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 5.99%
    Annual Fee Free
    Apply Now

  • Hong Leong Platinum Business

    Get up to 60 days interest-free credit period for all retail transactions, and with a business-size credit limit of up to RM300,000!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee RM400.00
    Apply Now

  • Hong Leong ACCCIM Credit Card

    Get a business-size credit limit on your card of up to RM300,000, and also with Travel Accident Insurance and travel Inconvenience Coverage protection!

    Interest Rate (p.a) 15%
    Balance Transfer (p.a) 6.99%
    Annual Fee Free
    Apply Now

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What Is A Credit Card?

It is a payment card issued by a financial entity (i.e. the card issuer), which allows a card holder to purchase goods and services on credit.

How Does the Credit Cards Works in Malaysia?

Credit cards in Malaysia work similarly to personal loans. When you make a payment using one, you are essentially “borrowing” money from the card issuer. By the end of each month, you are expected to repay the amount you’ve “borrowed”. Failure to do so would see you being charged an interest on your unpaid amount.

In Malaysia, you can hold any number of cards from a maximum of two (2) card issuers if you are a qualified cardholder with an annual income of RM36,000 or less. There are no limitations on the number of cards and card issuers if your annual income is above RM36,000. Do take note that a service tax of RM50 is imposed per principle card per year, while a service tax of RM25 is imposed per supplementary card per year.

What Are the Different Credit Cards Categories In Malaysia?

There are various types of cards, each with differing privileges and functions. In Malaysia, these are the major categories of credit cards you can consider applying for:

  • • Rewards credit cards: These cards give you reward points for purchases made using your credit card. Reward points are redeemable for gifts, vouchers and other goodies as indicated in the issuer’s reward catalogue.
  • • Cash back credit cards: These cards gives you back a percentage of the amount spent, which is paid back to the credit card holder. Each credit card provides different locations, from where you can receive cashback on your spending`s.
  • • Low interest: These cards offer lower interest rates compared to conventional cards.
  • • Travel credit cards: These cards give you mile points for selected purchases. Mile points are redeemable for travel-related privileges, such as air tickets and seats upgrades with participating airlines.
  • • Petrol credit cards: These cards offer petrol-related benefits, such as cash rebates or extra reward points on fuel and spending at petrol kiosks.
  • • Dining credit cards: Ordering such type of a credit card, allows you to enjoy exclusive discounts and promotions from various restaurants, each time you`re dining outside.
  • • Shopping credit cards: If you like shopping, ordering such type of a credit card can rewards you with exclusive offers and various discounts from popular shopping outlets.
  • • Premium: Premium cards offer promotions and privileges that focus on higher-end products and services, such as golfing, fine-dining and exclusive clubs.
  • Islamic credit cards: These are credit cards, which compliant to the Islamic law of Shariah

You will find that the comparison page lets you compare cards and help you find the best one for you by showcasing promotions, best cards in Malaysia, and zero annual fee cards. You can even perform an application online in the same seating!

Interest Rates In Malaysia

Card issuers adopt a tiered system when it comes to the interest rates. Generally, you will be charged a higher interest rate should you display a history of inconsistent repayments, and a lower interest rate should you display a history of prompt repayments. In Malaysia, interest rates commonly come in a range of 13.5 – 17.5% p.a. Some card issuers may also have higher or lower interest rates depending on their operating policies.

Minimum Monthly Repayments In Malaysia

In Malaysia, card holders are generally required to make a minimum payment of 5% of the bill (or a minimum of RM50) on a stipulated due date every month. Failure to do so may result in a penalty that is equivalent to 1% of the unpaid amount on your bills (or a minimum of RM10).

Credit Limits In Malaysia

In Malaysia, card holders with income of RM36,000 or less in a year is restricted to a maximum credit limit of twice of his or her monthly income. For example: if your monthly income is RM2,000, your credit limit would be a maximum of 2 × RM2,000 = RM4,000. Credit limits for those earning above RM36,000 are determined by the card issuers.

How Many Cards Can You Hold In Malaysia

In Malaysia, you can hold any number of cards from a maximum of two (2) card issuers if you are a qualified cardholder with an annual income of RM36,000 or less. There are no limitations on the number of cards and card issuers if your annual income is above RM36,000. Do take note that a service tax of RM50 is imposed per principle card per year, while a service tax of RM25 is imposed per supplementary card per year.

Process And Documentations Needed For An Application

After you compare the cards on the comparison page, you can apply for one over the Internet for FREE using iMoney’s online calculator. The documents needed for an application differ from card issuer to card issuer, but commonly include:

For employees:
A copy of your MyKad (both sides), latest three-month payslips + latest three-month bank statements OR latest three-month EPF statements.
For self-employed:
A copy of your MyKad (both sides) and latest Borang B/BE with LHDN acknowledgement.

List of Banks Providing Credit Cards in Malaysia

AEON

You can get up to 10% cashback when you spend with AEON. With a single receipt spend of at least RM100 in WATAMI restaurants, you will get to enjoy up to 10% cash rebate. AEON Balance Transfer Program comes with a maximum of 6 months, interest rate of 0% per annum, minimum transfer amount of RM1,000 and one-time upfront fee of 0%.

AFFINBANK

You can get up to 0.8% cashback on petrol when you spend by using cards from AFFINBANK. Depending on the card, you can also get a RM20 petrol credit. AFFINBANK Balance Transfer Program has a maximum tenure of 2 years, interest rate of 0% per annum for all different Program tenures, RM1,000 as the minimum transfer amount (RM5,000 if you are getting 6-month tenure) and a minimum of 0% for the one-time upfront fee (9% if you are getting 24-year tenure).

Alliance Bank

You can enjoy up to 3% cashback on your retail spending when you use Alliance Bank cards. Some of them will allow you to get cashback and air miles from your retail spending. Alliance Bank Balance Transfer Program comes with a maximum of 24 months, interest rate of 6% per annum, minimum transfer amount of RM1,000 and one-time upfront fee of 0%.

AmBank

You can get up to 5x points on your retail spending when you spend by using cards by AmBank. You also get to enjoy the latest travel, golf and dining promotions and privileges with some of the cards. AmBank Balance Transfer Program has a maximum tenure of 2 years but comes with an annual interest rate of 8.99% (4.99% if you are getting 6-month tenure), minimum transfer of RM5,000 for its 2-year tenure (RM1,000 for other tenures) and no one-time upfront fee.

BSN

Earn up to 2x points on your retail spending with BSN cards. BSN Balance Transfer Program offers up to 5 different tenures: 3 months, 6 months, 9 months, 1 year, 2 years and 3 years. With interest rate per annum of 3.6% to 4.5%, it has a minimum transfer amount of RM500 (for 3-month tenure) and one-time upfront fee of 0%.

Bank Islam

Bank Islam offer a convenient way to proceed with payment for your purchases from Halal merchants. With Bank Islam, you can get up to 0.3% cashback on all retail transactions from Halal merchants. Bank Islam Balance Transfer Program comes with a tenure of 1 year and interest rate of 6% per annum, besides minimum transfer amount of RM500 and no one-time upfront fee.

CIMB

CIMB has a variety of cards that give you rewards and benefits on different expenses such as petrol, dining and shopping rebates. You can get as high as 5% on your online spending. CIMB Balance Transfer Program has a maximum tenure of 2 years, maximum interest rate of 12% per annum (for 2-year tenure) and minimum RM1,000 transfer amount, apart from a 0% one-time upfront fee.

Citibank

Citibank have great deals for a wide variety of spending in the market. You can get up to 20,000 free points and 5x reward points from your shopping. With Citibank Balance Transfer Program, you can get up to 3 years with an interest rate of 9.90% per year. It has a minimum transfer amount of RM1,000 and 0% one-time upfront fee.

HSBC

HSBC have some of the best cashback promotions to offer, and a great reward points from retail spending. You can get up to 8x reward points from your retail spending. HSBC Balance Transfer Program has a maximum period of 1 year, interest rate per annum of 6.99%, minimum transfer amount of RM1,000 and no one-time upfront fee.

HSBC Amanah

HSBC Amanah gives up to 1% cashback on overseas retail spending and cardholders are entitled to Smart Privileges and more discounts. For local spending, you can get up to 8% cashback on weekend dining, petrol and groceries. HSBC Amanah Balance Transfer Program has a maximum period of 1 year, interest rate per year of 6.99%, minimum transfer amount of RM1,000 and 0% one-time upfront fee.

Hong Leong

Hong Leong has some of the best cards for overseas spending and travel privileges. You can get up to 10% cashback on petrol, groceries and utilities. Hong Leong Balance Transfer Program has a minimum period of 6 months and maximum period of 1 year, interest rate of 6.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee.

Mach

Mach gives you the flexibility to change the rewards package according to your lifestyle. There will be 12 spending categories; some with up to 10% cashback to choose from. Mach Balance Transfer Program has a minimum tenure of 3 months and maximum tenure of 12 months, interest rate at a maximum of 9% per annum (for 9-month tenure), minimum transfer amount of RM1,000 and no one-time upfront fee.

Maybank

Maybank is one of the market-leading card issuer with up to 5% cashback on your weekend spending and 5x reward points on your retail spending. Maybank Balance Transfer Program of a maximum 3 years have an interest rate of 4.95% per annum (highest is 9% for 9 months), minimum transfer amount of RM1,000 (RM2,000 for 2 years and 3 years) and no one-time upfront fee (except for 12-month tenure).

Maybank Islamic

Maybank Islamic provides up to 8x points for your spending. You can also earn air miles from your spending; with up to 444.44 miles per RM1,000 spent. With Maybank Islamic Transfer Program, you get to enjoy a maximum of 3 years tenure at 4.95% with a minimum transfer amount of RM2,000 and no one-time upfront fee.

Public Bank

Public Bank provides cashback of up to 0.9% on your spending. You can also get reward points of up to 2x for every RM1 that you spent. You can get the card through the Public Bank Balance Transfer Program, whereby you get to enjoy a maximum of 24-month tenure for 0% per year but for a minimum transfer amount of RM3,000 and a one-time upfront fee of 5%.

RHB

RHB provides you with cashback of up to 20% at cinemas, ticketing agencies, amusement parks and more. You can also get reward points of up to 5x if you make any transaction through MyEG. RHB Balance Transfer Program comes with a maximum period of 2 years, no annual interest rate during that period, a minimum transfer amount of RM1,000 and minimum one-time upfront fee of 4% (9% for 2-year tenure).

Standard Chartered

Standard Chartered cards are usually focused on a very specific spending category; for instance, having the best petrol card or the best travel card in the market. You can get up to 10% cashback on petrol spending or 333.3 miles per RM1,000 spent. Standard Chartered Balance Transfer Program has a maximum of 1 year tenure, 2.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee.

UOB

UOB cards have a lot great deals and gender specific cards such as their Lady's series card. With its card, you stand to gain up to 5% on your petrol expenditure. UOB Balance Transfer Program has a maximum tenure of 1.5 years, minimum interest rate of 7.77% per year, minimum transfer amount of RM1,000 and no one-time upfront fee.

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