AEON Japan Club of Kuala Lumpur Credit Card 52

AEON Japan Club of Kuala Lumpur Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

AEON Platinum MasterCard-01

AEON Platinum MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 100/mth

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 100/mth

AEON Platinum Visa-01

AEON Platinum Visa

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 100/mth

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 100/mth

Affin Cashback Visa

AFFIN DUO Visa CashBack

15% p.a.

Interest Rate

Free

Annual Fee

Up to 3%

Cashback

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

OCBC 365 MasterCard

AFFIN DUO+ Visa

15% p.a.

Interest Rate

Free

Annual Fee

Up to 3%

Cashback

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

Affin DU0+ MasterCard-01

Affin DU0+ MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 3%

Cashback

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

Alliance Bank Visa Infinite-01

Alliance Bank Visa Infinite

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Alliance Bank Visa Platinum-01

Alliance Bank Visa Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AmBank BonusLink Visa Platinum-01

AmBank BonusLink Visa Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AEON Visa Gold

AmBank Cash Rebate Visa Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Up to 8%

Cashback

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

AmBank Islamic Visa Infinite Card-i-01

AmBank Islamic Visa Infinite /Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

AmBank Islamic Visa Platinum Card-i-01

AmBank Islamic Visa Platinum Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AmBank Visa Signature-01

AmBank Islamic Visa Signature / Visa Signature

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i-01

AmBank SIGNATURE Priority Banking Visa Infinite

15% p.a.

Interest Rate

Free

Annual Fee

RM 188

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	RM 188

AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i-01

AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-i

15% p.a.

Interest Rate

Free

Annual Fee

RM 188

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	RM 188

AmBank UnionPay Platinum Card-01

AmBank UnionPay Platinum Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

BSN Visa

BSN Classic Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

UOB Prvimiles Visa Platinum

BSN G-Card Visa Credit Card-i

8.88%p.a.

Interest Rate

Free

Annual Fee

Cashback

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

BSN Gold Card 64

BSN Gold Card

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

BSN Platinum Credit Card/ Card-i 56

BSN Platinum Credit Card/ Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

BSN Platinum-01

BSN Platinum MasterCard / Visa

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

BSN Visa Cashback Credit Card 50

BSN Visa Cashback Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

Bank Islam Visa Infinite Credit Card-i 01

Bank Islam Visa Infinite Business Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Bank Islam Visa Infinite Credit Card-i 65

Bank Islam World MasterCard-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Bank Rakyat Orange MasterCard

Bank Rakyat Classic Credit Card-i / Gold Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Bank Rakyat MasterCard

Bank Rakyat Muslimah Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

Bank Rakyat Platinum

Bank Rakyat Platinum Credit Card-i

13.50%p.a.

Interest Rate

Free

Annual Fee

Cashback

Interest Rate	13.50%p.a.
Annual Fee	Free
Cashback	-

CIMB Cash Rebate Platinum-01

CIMB Cash Rebate Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

CIMB Enrich MasterCard

CIMB Enrich World Elite MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Ambank Visa Platinum

CIMB PETRONAS Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Up to 7%

Cashback

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

CIMB e Credit Card-01

CIMB e Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Citi Business Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Up to 1.2%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 1.2%

CIMB Petronas MasterCard

Citi CashBack MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 10%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 10%

Citi Clear MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Citi Premiermiles

Citi Premier Miles MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Citi Rewards

Citi Rewards MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Citi Simplicity (2)

Citi Simplicity MasterCard

Interest Rate

Free

Annual Fee

Up to 10%

Cashback

Interest Rate
Annual Fee	Free
Cashback	Up to 10%

Citi Simplicity

HSBC Amanah MPower Platinum Credit Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 8%

Cashback

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

HSBC Visa Platinum

HSBC Amanah Premier World MasterCard-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 1%

Cashback

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

HSBC Platinum MasterCard and Visa-02

HSBC Platinum MasterCard and Visa

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

HSBC Visa Platinum

HSBC Premier World MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

HSBC Visa Signature Card-01

HSBC Visa Signature Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AirAsia Visa Platinum

Hong Leong AirAsia Gold & Platinum Visa Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AirAisa Visa

Hong Leong AirAsia Gold Visa

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Hong Leong Emirates HLB Platinum Card 3

Hong Leong Essential Card

15% p.a.

Interest Rate

RM 100

Annual Fee

Up to 1%

Cashback

Interest Rate	15% p.a.
Annual Fee	RM 100
Cashback	Up to 1%

Hong Leong Visa Infinite-01

Hong Leong Visa Infinite Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Hong Leong Visa Infinite Doctor’s Edition-01

Hong Leong Visa Infinite Doctor’s Edition Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Hong Leong Visa Infinite P-01

Hong Leong Visa Infinite P

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Citi LAZADA

Lazada Citi Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank 2 Card Premier-02

Maybank 2 Card Premier

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank 2 Gold Cards-01

Maybank 2 Gold Cards

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 50/mth

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 50/mth

Maybank 2 Platinum Cards-01

Maybank 2 Platinum Cards

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

BSN Visa Cashback Credit Card 51

Maybank American Express Cashback Gold Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 1.5%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 1.5%

Maybank GRAB MasterCard Platinum Credit Card-01

Maybank GRAB MasterCard Platinum Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank Islamic Ikhwan American Express Platinum Card-i-01

Maybank Islamic Ikhwan American Express Platinum Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank Islamic MasterCard Ikhwan Gold Card-01

Maybank Islamic MasterCard Ikhwan Gold Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 50/mth

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 50/mth

Maybank Islamic MasterCard Ikhwan Platinum Card-01

Maybank Islamic MasterCard Ikhwan Platinum Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 50/mth

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 50/mth

Maybank Islamic PETRONAS Gold-i-01

Maybank Islamic PETRONAS Gold-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 8%

Cashback

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

Maybank Islamic World MasterCard Ikhwan Card-i-01

Maybank Islamic World MasterCard Ikhwan Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AEON Japan Club of Kuala Lumpur Credit Card 54

Maybank Manchester United Visa Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank Petronas Visa Gold-01

Maybank Petronas Visa Gold

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank Shopee Visa Platinum Credit Card-01

Maybank Shopee Visa Platinum Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Maybank Visa Signature-01

Maybank Visa Signature

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%, RM 88/mth

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 5%, RM 88/mth

HSBC World Master

OCBC 365 MasterCard

18%p.a.

Interest Rate

RM 100

Annual Fee

Up to 1%

Cashback

Interest Rate	18%p.a.
Annual Fee	RM 100
Cashback	Up to 1%

OCBC Titanium (2)

OCBC Titanium MasterCard (Blue/Pink)

15% p.a.

Interest Rate

Free

Annual Fee

Up to 1%

Cashback

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

BSN Visa Cashback Credit Card 49

OCBC World MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 1.2%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 1.2%

Public Bank AIA Visa Gold 61

Public Bank AIA Visa Gold

15% p.a.

Interest Rate

Free

Annual Fee

Up to 0.2%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 0.2%

Public Bank Gold MasterCard 60

Public Bank Gold MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 0.1%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 0.1%

Public Bank MasterCard Standard 58

Public Bank MasterCard Standard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Public Petron Visa (2)

Public Bank PETRON Visa Gold

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

Public Bank Platinum Master Credit Card 59

Public Bank Platinum Master Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Public Bank Quantum MasterCard-01

Public Bank Quantum MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

Public Bank Quantum Visa-01

Public Bank Quantum Visa

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

Public Bank Visa Signature-01

Public Bank Visa Signature

15% p.a.

Interest Rate

Free

Annual Fee

Up to 6%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 6%

Public Bank World MasterCard Credit Card-01

Public Bank World MasterCard Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Public Islamic Credit Card

Public Islamic Bank Gold MasterCard Credit Card-i

15% p.a.

Interest Rate

Free

Annual Fee

Up to 2%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 2%

Ambank Islamic Carz Visa Platinum

RHB Cashback Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

BSN Visa Cashback Credit Card 47

RHB SHELL Visa Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 12%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 12%

RHB Visa Signature

15% p.a.

Interest Rate

Free

Annual Fee

Up to 6%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 6%

RHB World MasterCard

RHB World Master Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 6%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 6%

Standard Charted Visa Platinum-01

Standard Charted Visa Platinum

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

BSN Visa Cashback Credit Card 46

Standard Chartered JustOne Platinum MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Up to 15%

Cashback

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

RHB Cashback MasterCard

Standard Chartered Liverpool FC Cashback

15% p.a.

Interest Rate

Free

Annual Fee

Up to 0.5%

Cashback

Interest Rate	15% p.a.
Annual Fee	Free
Cashback	Up to 0.5%

Standard Chartered Priority Banking Visa Infinite 01

Standard Chartered Priority Banking Visa Infinite

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

Standard Chartered Smart

Standard Chartered Smart Credit Card

15% p.a.

Interest Rate

Free

Annual Fee

Up to 15%

Cashback

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

Standard Chartered WorldMiles World MasterCard 01

Standard Chartered WorldMiles World MasterCard

15% p.a.

Interest Rate

Free

Annual Fee

Cashback

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

AEON Japan Club of Kuala Lumpur Credit Card 55

UOB YOLO VISA

15% p.a.

Interest Rate

Free

Annual Fee

Up to 5%

Cashback

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

Credit card Annual Fee Waiver<\/h1>\n
$\"\"$ <\/p>\n
Many believe financial institutions don’t offer free products such as credit cards. However, they couldn’t be more wrong. Numerous card issuers offer credit cards with no annual fees.<\/p>\n
You can apply for a credit card with no annual fee and enjoy the benefit of paying zero fees for a lifetime or predetermined period. With such a card, cardholders won’t have to worry about additional expenses building up and breaking their budget.<\/p>\n
Most people looking for credit cards worry about credit card annual fees as these expenses tend to build up quickly.<\/p>\n
You can tap into some of the best credit card issuers and apply for free-for-life credit cards such as Visa, Mastercard, or American Express.<\/p>\n
With that in mind, let’s talk about a credit card annual fee waiver<\/a> and where to find cards with no annual fees.<\/p>\n<\/div>\n
[\/vc_column_text]
\n
\n
\n
\n
\n \n <\/span>No annual fee credit card explained <\/a>\n <\/h5>\n <\/div>\n
\n
\n $\"\"$ \n
While you can find financial institutions that offer credit cards without annual fees, banks and other card issuers have specific requirements that cardholders must follow to qualify for an annual fee waiver.<\/p>\n\n
The most common waiver requirements for credit cards without annual finance charges include a pre-set number of transactions made with the card or a minimum limit a cardholder must spend in a determined period to become eligible for the benefit of avoiding an annual fee.\n<\/p>\n
A typical credit card waiver allows you to avoid paying annual finance charges for one or a few years, depending on the financial institution.<\/p>\n\n
Some banks offer credit cards with no yearly finance charges for the first free years, while others offer the benefit of no annual fee for the first year only.<\/p>\n\n
Although many see this benefit as an advantage and would rather opt for no annual fee credit cards, fee waivers aren't a bad alternative.<\/p>\n\n
People prefer free credit cards because they help save some cash by simplifying their spending habits.<\/p>\n\n
It all comes down to personal preferences and waiver requirements. Most financial institutions have simple requirements that cardholders can easily follow.<\/p>\n\n
Here are some of the benefits of no-annual-fee credit cards:<\/p>\n
\n
Easy qualification for first-time applicants \u2013 first-time applicants may find it easier to qualify for a credit card with no annual fee than premium cards.<\/li>\n
This type of credit card targets people with recently-established or poor credit, allowing them to tap into major rewards programs without paying hefty annual fees and presenting excellent credit scores.<\/li>\n
Improve credit history \u2013 getting a no-annual-fee credit card could help you improve your FICO score<\/a> and establish a good credit history. However, you'll need to use it responsibly to accomplish this goal. That means you should avoid making a late payment or exceeding your limit.\n<\/li>\n
Save on expenses \u2013 since there's no annual fee to worry about, this type of credit card is an affordable way to save some cash on the side.<\/li>\n
Earn rewards \u2013 designed for general spending, credit cards with no annual fees often come with generous rewards. You can earn award bonus points for everyday purchases like gas, travel, or groceries.\n<\/li> \n<\/ul> \nBelow, we'll provide some insights on the top-grade cards with annual fee waivers and free-for-life credit cards.\n $\"\"$ <\/div>\n <\/div>\n <\/div>\n
\n
\n
\n \n <\/span>Top Malaysian credit cards with no annual fee <\/a>\n <\/h5>\n <\/div>\n
\n
\n $\"\"$ \n
For people new to credit and first-time applicants, a credit card with no annual fee is an excellent starting point toward building credit and establishing a healthy credit score.\n<\/p>\n
This type of card requires simple maintenance and responsible spending behavior to take your credit history<\/a> to the next level.\n<\/p>\n
Since different credit cards have specific requirements, here's our overview of the best free-for-life and annual fee-waiver credit cards.<\/p>\n\n
Free-for-life credit cards (no annual fee)<\/h3>\n $\"\"$ \n
\n
Maybank Shopee Visa Platinum \u2013 use the card to earn 5x Shopee Coins on Special Days.<\/li>\n
AmBank Cash Rebate Visa Platinum \u2013 earn cash back rewards up to 8% on online transactions, pharmacy, and groceries.<\/li>\n
BSN G-Card Visa Credit Card-i \u2013 earn rewards points on overseas retail transactions and local spending.<\/li>\n<\/ul> \n
Free for the first-year credit cards<\/h3>\n $\"\"$ \n
\n
Standard Chartered Smart Credit Card (spend a minimum annual limit to avoid an annual fee) \u2013 earn 15% cash back on Zalora, Taobao, Shopee, Lazada, FavePay, Boost, Touch & Go e-wallet, and GrabPay, including 6% cashback on digital transactions.\n<\/li>\n
Public Islamic Bank Gold Mastercard Credit Card-i (swipe 12 times to keep the card free) \u2013 2% cash back on overseas and online transactions.\n<\/li>\n
Alliance Bank Visa Infinite (after the first year, you must spend a minimum limit to keep the card free) \u2013 up to 8x bonus points on online shopping, 3x rewards on dining, groceries, and overseas, and 1x bonus points on other retail transactions.<\/li>\n
\nAEON Platinum Visa (use the card 12 times a year to avoid an annual fee) \u2013 get a cash rebate on movie tickets, travel insurance coverage, and access to Plaza Premium Lounge.<\/li>\n
\nCIMB e Credit Card (a minimum limit spending requirement) \u2013 earn 12x bonus points for spending from e-wallet, online retail, etc.<\/li>\n
\nHong Leong AirAsia Gold & Platinum Visa (minimum limit spending requirement) \u2013 earn rewards points from flying overseas and online AirAsia bookings, get bonus AirAsia points, and more.<\/li>\n
\nRHB Shell Visa Credit Card (use the card 24 times minimum to keep the card free) \u2013 up to 12% cash back on gas at Shell stations nationwide, 5% cash back on online transactions, and more.<\/li>\n
\nUOB YOLO Visa (make one monthly retail transaction to keep the card free) \u2013 earn 5% cash back on spending categories like contactless spending, dining, utilities, groceries, travel, and online transactions by using the card five times per category.<\/li>\n<\/ul> \n\n
Free for the first three years credit cards<\/h3>\n $\"\"$ \n
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Citi Cash Back Mastercard \u2013 up to 10% cash back on Grab, dining, groceries, and gas, and unlimited 0.2% cash back on other retail transactions credited into your account.<\/li>\n
Affin DUO Mastercard Rewards (12 annual retail transactions requirement) \u2013 earn 3x rewards on gas, groceries, and dining.\n<\/li>\n
OCBC 365 Mastercard \u2013 1% unlimited cashback on monthly retail transactions.\n<\/li>\n<\/ul> \n $\"\"$ \n\n\n\n\n\n\n\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n \n Choose One Now<\/a>\n \n [\/vc_tta_section][vc_tta_section title=”FAQ’s” tab_id=”1675326945334-11eef09e-af21414f-7fa4″][vc_column_text]<\/p>\n
FAQ<\/h2>\n
[\/vc_column_text][vc_row_inner css=”.vc_custom_1675331836289{margin-bottom: 30px !important;padding-top: 46px !important;padding-right: 70px !important;padding-bottom: 46px !important;padding-left: 70px !important;background-color: #fef6f5 !important;border-radius: 25px !important;}”][vc_column_inner width=”4\/12″][vc_column_text] $\"\"$ [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”8\/12″][vc_column_text css=”.vc_custom_1660704463008{margin-bottom: 16px !important;}”]A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.[\/vc_column_text][vc_column_text css=”.vc_custom_1673589066597{margin-bottom: 16px !important;}”]Today, consumers often use credit cards as payment for their purchases since they are convenient and often come with benefits and incentives that can result in additional discounts for cardholders.<\/span> With a wide variety of these cards with various advantages, you might ask how to pick the ideal one for your financial needs.<\/span> We have collected the following FAQ to enable you to understand the most relevant questions regards credit cards, including user conditions,<\/span> interest rates,<\/span><\/a> and primary payment terms.<\/span>[\/vc_column_text][vc_column_text]Here\u2019s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]
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\n \n <\/span>What is a no-annual-fee credit card? <\/a>\n <\/h5>\n <\/div>\n
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\n A credit card with no annual fee allows you to avoid paying the cost of a yearly fee. Your credit card with no annual fee allows you to keep your credit affordable while enjoying various perks such as lower interest rates, cash back on general spending, and other rewards. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>What is the benefit of getting an annual fee waived? <\/a>\n <\/h5>\n <\/div>\n
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You can get an annual fee waived if you meet the requirements, such as swiping your card as many times as required or spending a minimum monthly or yearly limit.<\/p>\n\n
Using your card responsibly is vital to avoid paying fees and penalties.<\/p>\n\n
Getting an annual fee waived helps you save money in the long run while earning various rewards. In addition, it helps improve your credit and establish a positive credit history.<\/p> <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Who qualifies for a credit card with no annual fee? <\/a>\n <\/h5>\n <\/div>\n
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\n People new to credit cards or cardholders with bad credit can qualify for credit cards with no annual fee. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>What's the difference between a credit card with no annual fee and a regular credit card? <\/a>\n <\/h5>\n <\/div>\n
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\n Regular credit cards typically charge an annual fee but offer generous rewards in return. Cards with no annual fee don't require you to pay a yearly fee but offer limited rewards compared to regular credit cards. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>What's the minimum requirement to get a credit card with no annual fee? <\/a>\n <\/h5>\n <\/div>\n
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Minimum requirements for qualifying for a card with an annual fee waiver vary from issuer to issuer.<\/p>\n\n
Most financial institutions have two main requirements:<\/p>\n
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Minimum annual income \u2013 depends on the issuer;<\/li>\n
\nMinimum age \u2013 21 for primary card, 18 for supplementary card.<\/li>\n<\/ul> \n\n <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Does a credit card without an annual maintenance fee have a credit limit? <\/a>\n <\/h5>\n <\/div>\n
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\n Yes, all credit cards have a credit limit of some sort. You can check your credit card limit with your card issuer. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Can I own more than one credit card? <\/a>\n <\/h5>\n <\/div>\n
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According to the Malaysian bank, Bank Negara Malaysia, people can own as many credit cards as they wish if they earn more than the minimum annual income requirement.<\/p>\n\n
However, they can't hold more than two credit cards if they earn less than the minimum income.<\/p> <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Do credit cards with no annual fee have an interest rate? <\/a>\n <\/h5>\n <\/div>\n
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\n Many no-annual-fee cards offer new cardholders low or no intro APR on balance transfers and new purchases for a certain period (12-24 months). After the set amount of time expires, a variable APR will be charged. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>How do I pay my credit card balance? <\/a>\n <\/h5>\n <\/div>\n
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You can pay your credit card balance early or on time. Making timely payments every month allows you to keep your credit card and avoid additional fines and charges like interest, fees, and penalties. Making a late payment could also harm your credit score.\n<\/p>\n
Here's how to pay your credit card balance:<\/p>\n
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Online payments \u2013 transfer funds from the banking account to a credit card account.<\/li>\n
Phone payments \u2013 pay your bill over the phone by calling the number on the back of your credit card. Follow the instructions to transfer money to your card.\n<\/li>\n
\nCash payments \u2013 visit the nearest branch office and pay your balance with cash.<\/li>\n<\/ul> \n\n\n <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>Can I use my credit card without an annual ATM fee? <\/a>\n <\/h5>\n <\/div>\n
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\n You can use your credit card to withdraw money from ATMs. However, ATM transactions are subject to additional fees and interest. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>What's the consequence of making a late payment? <\/a>\n <\/h5>\n <\/div>\n
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\n If you miss making a payment by one day, you'll probably receive a notice or a phone call from your credit card company. However, if you're more than a month late with your payment, it could show on a credit report, harm your credit score, and expose you to additional charges. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>What are other fees associated with this type of card? <\/a>\n <\/h5>\n <\/div>\n
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\n The no-annual-fee card may carry other fees, such as a fee for making late payments, foreign transactions, balance transfer fees, etc. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>What types of rewards do no-annual-fee credit cards offer? <\/a>\n <\/h5>\n <\/div>\n
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\n The most common rewards include cashback and bonus points on everyday and online transactions, such as buying gas, purchasing groceries, dining, traveling, etc. <\/div>\n <\/div>\n <\/div>\n
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\n \n <\/span>How to apply for a no-annual-fee card? <\/a>\n <\/h5>\n <\/div>\n
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You can use an online application form to apply for a no-annual-fee card. Employed customers will need a copy of their ID, the latest income slip and EA statement, the EPF statement, and a copy of the employer's confirmation.<\/p>\n\n
If you're self-employed, check the document requirement with your financial institution.<\/p> <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n [\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1662354133900{background-color: #f5f5f5 !important;}”][vc_column width=”1\/12″][\/vc_column][vc_column width=”6\/12″ css=”.vc_custom_1658198808293{margin-top: 86px !important;margin-bottom: 86px !important;}” el_id=”footer-on-top”][vc_column_text css=”.vc_custom_1663400130590{margin-bottom: 8px !important;}”]<\/p>\n
We Are Here to Help<\/h1>\n
[\/vc_column_text][vc_column_text css=”.vc_custom_1663400216839{margin-bottom: 24px !important;}” el_id=”footer-on-top-subtitle”]Our mission is to deliver reliable, up-to-date tips & advice[\/vc_column_text][vc_column_text css=”.vc_custom_1684983971689{margin-bottom: 8px !important;}” el_id=”footer-on-top-contact-info”] $\"\"$ 011-7074 4194[\/vc_column_text][vc_column_text css=”.vc_custom_1661765868059{margin-bottom: 36px !important;}” el_id=”footer-on-top-contact-info”] $\"\"$ official@loanpanda.com.my<\/p>\n
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[\/vc_column_text][vc_row_inner][vc_column_inner el_id=”footer-on-top-btn-left” css=”.vc_custom_1663400583680{margin-bottom: 16px !important;padding-left: 0px !important;}”]\n Meet The Consultant<\/a>\n \n [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”4\/12″ el_id=”footer-on-top-img” offset=”vc_hidden-xs”][vc_single_image image=”4634″ img_size=”full”][\/vc_column][vc_column width=”1\/12″][\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_js]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[\/vc_raw_js][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"
[vc_row css=”.vc_custom_1659507005626{background: #fef6f5 url(https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/08\/Frame-4318.png?id=4983) !important;}” el_id=”product-category-subheader”][vc_column][vc_column_text css=”.vc_custom_1662000732275{margin-top: 57px !important;margin-bottom: 57px !important;}”] Best Annual Fee waiver cards [\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1658978621274{margin-top: 58px !important;margin-bottom: 66px !important;}”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1675333466957{margin-top: 30px !important;margin-bottom: 30px !important;background-color: #ffffff !important;}”][vc_column css=”.vc_custom_1675333478533{background-color: #ffffff !important;}”][vc_tta_tabs color=”white” active_section=”1″][vc_tta_section title=”Guides” tab_id=”1675326945182-04c5ea33-9c31414f-7fa4″][vc_column_text] Guides [\/vc_column_text][vc_column_text] Credit card Annual Fee Waiver Many believe financial institutions don’t offer free products such as credit cards. […]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":4880,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-5994","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/5994","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/comments?post=5994"}],"version-history":[{"count":29,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/5994\/revisions"}],"predecessor-version":[{"id":14928,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/5994\/revisions\/14928"}],"up":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4880"}],"wp:attachment":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/media?parent=5994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}