Zero Annual Fee Credit Cards

2021 Credit Card - Compare Zero-Annual-Fee Credit Cards in Malaysia

We found 70 credit card(s) for you!

Here's some popular credit cards for your reference!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Up to 8% Cash Back on weekends and 1% Cash Back on Weekdays

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
-

Enjoy 1x Timeless Bonus Points for every RM1 spent on overseas & domestic retail transactions.

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 3%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn 8x Reward Points on all your contactless spend*

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn up to 2x BSN Reward Points from all your retail spending, on top of Travel Accident Insurance coverage of up to RM300,000!

Interest Rate
13.5% p.a.
Annual Fee
Free
Cashback
-

Up to 2x TreatsPoints from retail spending

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Up to 10x TreatsPoints from purchase of Manchester United merchandise

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Up to 5% cash rebate on petrol, cinema, grocery. 

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 5%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
RM80 /mth

Unlimited 1.5% Cash Rebate on Overseas spend, Bonus Points on local and overseas retail spending & get Travel Accident insurance with coverage of up to RM1 Million!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Get up to 8% cashback everyday on your  petrol, groceries & e-Wallet spending! 

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 8%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Up to 8x Reward Points from overseas spend, up to 5x Reward points for local mall shopping spend with complimentary Plaza Premium Lounge Access

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Enjoy 2x Timeless Bonus Points on overseas retail and 1x Timeless Bonus Points on domestic utility spending. Convert the points into air miles and get your free flight!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
-

Earn up to 1% cashback on retail spending!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 1%

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
15% p.a.
Annual Fee
Free
Cashback
-

Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
-

2.5% rebate on Great Eastern Life/Great Eastern General (Great Eastern) Insurance Premium and 0.1% Unlimited cashback on other retail spend

Interest Rate
18% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn 5X Bonus points when you dine anywhere & shop overseas, complimentary Plaza Premium Lounge access, and year-long discounts at over 500 participating merchants!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn up to 3% cashback on your petrol expenditure.

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

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
13.5% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Unlimited Cash back on overseas and local spend

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Enjoy lower interest rate @ 9% p.a on your credit on prompt payment for consecutive 12 months*

Interest Rate
9% p.a.
Annual Fee
Free
Cashback
-

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 7%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 3%

Receive up to 2x BSN Happy Reward points with all retail spending, and get complimentary Travel Accident insurance coverage of up to RM100,000!

Interest Rate
11% p.a.
Annual Fee
Free
Cashback
-

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
12% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 15%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Enjoy upto 1% cash back spent overseas & 0.5% on local spent

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 1%

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
18% p.a.
Annual Fee
Free
Cashback
Up to 1.2%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

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
15% p.a.
Annual Fee
Free
Cashback
RM50 /card

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
18% p.a.
Annual Fee
Free
Cashback
Unlimited

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn up to 2x BSN Reward points from retail spending, and receive Travel Accident insurance coverage of up to RM100,000!

Interest Rate
8.88% p.a.
Annual Fee
Free
Cashback
-

Earn BSN Happy Reward points of up to 2x with all retail spending, on top of Travel Accident insurance coverage of up to RM100,000!

Interest Rate
11% p.a.
Annual Fee
Free
Cashback
-

With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM300,000!.

Interest Rate
13.5% p.a.
Annual Fee
Free
Cashback
-

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
13.5% p.a.
Annual Fee
Free
Cashback
-

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
9.95% p.a.
Annual Fee
Free
Cashback
-

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 RM100,000!

Interest Rate
8.88% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
9.95% p.a.
Annual Fee
Free
Cashback
-

5% cashback on petrol and grocery spend

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM88 /month

Earn up to 5X Shopee Coins on Shopee, Dining, Entertainment and Contactless Payments

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 7%

New Maybank Grab Credit Card rewarding you for all your lifestyle daily needs i.e Food, Transport, E-Commerce, Up to 5 Grab Reward Points for every 1 Ringgit Malaysia spent

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

10,000 TreatsPoints on first spend, exclusive discounts on dining, golf privileges

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Best Air Miles Conversion Rate: 5000 Treatspoints for 1000 Air Miles

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn 1% cashback for all purchases

Interest Rate
18% p.a.
Annual Fee
Free
Cashback
RM100 /mth

5% rebate on petrol and grocery on Friday and Saturday

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

5% rebate on petrol and grocery on Friday and Saturday

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

Earn up to 6% cashback for local spending.

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM220 /mth

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Last updated: Oct 21, 2021

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