Free Annual Fee (Without Condition)

Alliance Bank Tiger FC Master Credit Card

Annual Fee

Principle & Supplementary – FREE

Free for life – No condition

Joining Fee

Free

Annual Income

RM 18,000

Reward

RM 1 = 2 PointsNever expired

Off-Set Service Tax

Principle - 10,000 points , Supplementary - 5,000 points

http://www.rmvalues.com/blog/2010/01/29/alliance-bank-master-cobrand-credit-cards/


AmBank MasterCard Classic

Annual Fee

Principle – RM 75 (2 years waived), Supplementary – FREE (1st 3 cards)

Joining Fee

Unknown

Annual Income

RM 18,000

Reward Point

RM 1 = 1 point (valid for 3 years)

RM 1 = 2 points at selected merchants (valid for 3 years)

Off-Set Service Tax

Principle - 10,000 points , Supplementary - 5,000 points

http://www.rmvalues.com/blog/2010/01/30/ambank-mastercard-credit-cards/


AmBank MasterCard Gold

Annual Fee

Principle – RM 150 (2 years waived), Supplementary – FREE (1st 3 cards)

Joining Fee

Unknown

Annual Income

RM 42,000

Reward Point

RM 1 = 1 point (valid for 3 years)

RM 1 = 2 points at selected merchants (valid for 3 years)

Off-Set Service Tax

Principle - 10,000 points , Supplementary - 5,000 points

http://www.rmvalues.com/blog/2010/01/30/ambank-mastercard-credit-cards/


AmBank RealRewards MasterCard

Annual Fee

Principle – RM 90 , Supplementary – RM 45 (1st card FREE)

FREE-for-Life for Principal & Supplementary with no transaction condition

Joining Fee

Unknown

Annual Income

RM 18,000

Reward Point

RM 1 = 1 point AmBonus(valid for 3 years)

RM 1 = 2 points AmBonus at selected merchant (valid for 3 years)

RM 1 = 1 point RealRewards

RM 1 = 2 points RealRewards on your birthday month at RealRewards merchant

Extra 20% RealRewards points for a minimum cumulative spending of RM500 and above quarterly at any participating RealRewards merchants.

Off-Set Service Tax

Principle - 10,000 points , Supplementary - 5,000 points

http://www.rmvalues.com/blog/2010/01/31/ambank-cobrand-master-credit-card/


Bank Rakyat MasterCard Classic

Annual Fee

Principle – FREE, Supplementary – FREE

Joining Fee

Unknown

Annual Income

RM 18,000

Rebate

Profit Rebate (‘Tabung Umrah’/Holiday) – Unknown %

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/04/bank-rakyat-master-credit-cards/


Bank Rakyat MasterCard Gold

Annual Fee

Principle – FREE, Supplementary – FREE

Joining Fee

Unknown

Annual Income

RM 36,000

Rebate

Profit Rebate (‘Tabung Umrah’/Holiday) – Unknown %

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/04/bank-rakyat-master-credit-cards/


BSN MasterCard Emas

Annual Fee

Principle – FREE, Supplementary – FREE

Free for life without condition

Joining Fee

Unknown

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/07/bank-simpanan-nasional-master-credit-card/


BSN Al -Aiman MasterCard Emas

Annual Fee

Principle – FREE, Supplementary – FREE

Free for life without condition

Joining Fee

Unknown

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/08/bsn-al-aiman-master-credit-cards/


CIMB Master Platinum

Annual Fee

Principle & Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 80,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/09/cimb-bank-master-credit-cards/


CIMB Master World

Annual Fee

Principle & Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 240,000

Reward

RM 1 = 1 point (Malaysia)

RM 1 = 2 points (Oversea)

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/09/cimb-bank-master-credit-cards/


CIMB Petronas Master Classic

Annual Fee

Principle – Free for life without condition, Supplementary – RM 35 (1st year waiver)

Joining Fee

FREE

Annual Income

RM 18,000

Rebate

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/11/cimb-bank-cobrand-petronas-master-credit-cards/


CIMB Petronas Master Gold

Annual Fee

Principle – Free for life without condition, Supplementary – RM 70 (1st year waiver)

Joining Fee

FREE

Annual Income

RM 30,000

Rebate

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/11/cimb-bank-cobrand-petronas-master-credit-cards/


CIMB Petronas Master Platinum

Annual Fee

Principle – Free for life without condition, Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 80,000

Rebate

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/11/cimb-bank-cobrand-petronas-master-credit-cards/


CIMB Islamic Master Classic

Annual Fee

Principle – Free for life without condition, Supplementary – RM 35

Off-set annual fee = Supplementary – 7,000 points

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/12/cimb-islamic-bank-master-credit-cards/


CIMB Islamic Master Gold

Annual Fee

Principle – Free for life without condition, Supplementary – RM 70

Off-set annual fee = Supplementary – 14,000 points

Joining Fee

FREE

Annual Income

RM 30,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/12/cimb-islamic-bank-master-credit-cards/


CIMB Islamic Master Platinum

Annual Fee

Principle – Free for life without condition, Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 80,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/12/cimb-islamic-bank-master-credit-cards/


CIMB Islamic Petronas Master Gold

Annual Fee

Principle – Free for life without condition, Supplementary – RM 70

Joining Fee

FREE

Annual Income

RM 18,000

Rebate

2% rebate – Petronas service stations (Max RM 50)

0.5% rebate – all other retail transactions

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/18/cimb-islamic-bank-cobrand-petronas-master-credit-card/


UOB Club Plus MasterCard Gold

Annual Fee

Principle – Free , Supplementary – Free

Both Free for life with no condition

Joining Fee

Free

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/20/uob-bank-club-plus-master-credit-cards/


UOB Club Plus MasterCard Platinum

Annual Fee

Principle – Free , Supplementary – Free

Both Free for life with no condition

Joining Fee

Free

Annual Income

RM 70,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/20/uob-bank-club-plus-master-credit-cards/


UOB CIMA Gold MasterCard

Annual Fee

Principle – Free for life without condition , Supplementary – RM 30 administration fee/year

Joining Fee

RM 100 (waived)

Annual Income

RM 24,000

Reward

RM 1 = 1 point (valid for 3 years)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/23/uob-cima-cobrand-master-gold-card/