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!

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

A shariah-compliant credit card that earns up to 8x TreatsPoints when you spend at any petrol service station nationwide.

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

Redeem accumulated Happy Points for BIG Points, Enrich Points, exciting gifts, retail vouchers and so much more.

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
-

Enjoy 10x TreatsPoints at the United Direct Store, 5x TreatsPoints if Man Utd wins an EPL match and 5x TreatsPoints for retail spending.

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

Splurge online or spend on your daily needs and get rewarded up to 5% cash rebates on cinema, groceries, petrol, mobile, and utilities.

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

Enjoy and receive 5,000 bonus points monthly PLUS up to 10x points on grocery spend and up to 5x points for dining, retail and overseas purchases.

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
-

Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.

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

Enjoy 1.5% unlimited cash rebate for overseas spending and 15% discount at any duty-free merchant.

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

Your dining and travel companion that gives you 5X more rewards and 8x Airport Lounge Access after enjoying a premium ride to the airport.

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

Enjoy up to 5x TreatsPoints on weekdays and up to RM700,000 Travel Insurance Coverage when tickets are charged to your Maybank 2 Platinum Card.

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

Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.

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
-

Putting cash back into your wallet with just one card for both local and overseas spending.

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%

Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.

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
-

Exclusive cashback, offers, and privileges at over 4,000 outlets in Malaysia with your brand new JustOne Platinum MasterCard from Standard Chartered.

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%
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

Embrace the inner online shopper in you for unlimited cash back on all online retail spending.

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
-

Shariah-compliant card specially forged for teachers in Malaysia. Receive rewards every time you shop while contributing 0.2% to YGMB!

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

Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.

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
-

Collect and redeem exciting prizes through the BSN Happy Rewards Programme - vouchers, gadgets, home appliances, and more!

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

Use it at over 29 million merchants and 1 million ATMs worldwide, enjoy Happy Points and many more card facilities.

Interest Rate
9.95% p.a.
Annual Fee
Free
Cashback
-
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM88 /month
Limited Offer
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
-

Redeem 1,000 AirMiles with 5000 TreatsPoints while earning 5 TreatsPoints for every RM1 spent locally and overseas.

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

Enjoy fast-track immigration at over 280 international airports PLUS 5% discount in FCBotiga official store in Camp Nou.

Interest Rate
18% p.a.
Annual Fee
Free
Cashback
RM100 /mth
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

A money-saving credit card with 5% cashback on groceries and petrol, TreatPoints gift redemption, and no annual fee for life plus FREE Touch 'n Go Zing card!

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: May 25, 2022

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