Cash Back Credit Card

5% | or 1% Cash Back Earn 5% cash back on your top eligible spend category each billing cycle up to RM500 spent. Earn 1% cash back thereafter on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on ZestTravel℠ portal through 6/30/2025.
Low intro APR on purchases & balance transfers 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness. Balance transfer fee of either RM5 or 5% of the amount of each credit card balance transfer, whichever is greater. Balance Transfers must be completed within 4 months of account opening.
No annual fee Earn RM200 cash back after you spend RM1,500 on purchases in the first 6 months of account opening. RM0 liability on unauthorized charges

Credit is subject to status, affordability and applicable terms and conditions.

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Zestisn't responsible for products and services offered by other companies.

How to apply

Additional Information

Bonus Offer:
Earn RM200 cash back after you spend RM1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20000 ThankYou® Points, which can be redeemed for RM200 cash back. Balance transfers, cash advances, checks that access your Card Account, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) are not purchases. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Offer available to new ZestCustom Cash® cardmembers approved through this offer. Zestwill only issue one ZestCustom Cash® Card account per person. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new ZestCustom Cash® Card in the past 48 months.

About this card

ZestCash Back® Card Travel Portal Limited Time Offer:

Earn an additional 4 Thank You Points

Per RM1 spent on hotel, car rental, and attractions excluding air travel through the ZestTravel℠ portal or by calling +603-9388 0474. Offer is valid through 11:59 PM Eastern Time (ET) 6/30/2025. The booking must post to your account during the promotional period to qualify.

You must use your ZestCash Back® Card registered at the ZestTravel portal to earn the bonus points.

This offer may overlap with other special offers in which you are currently enrolled. For bookings made with a combination of points and your eligible Zestcard, only the portion paid with your card will earn the additional points. Bonus points may take one or two billing cycles to post to your account. To qualify for this offer, this account must be open and current. Points will not be earned on canceled bookings. If your account is closed for any reason, including if you convert to another card product, you will no longer be eligible for this offer. ZestTravel is powered by Rocket Travel Inc., part of the Booking Holdings Inc. group of companies together with Booking.com

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following:

- Taking away your accrued Points.
- Stopping you from earning Points
- Suspending or closing your Crystal® Account or ThankYou® Account
- Taking legal action to recover Rewards redeemed because of such activity and to recover our monetary losses, including litigation costs and damages

Using your card

Make contactless transactions

Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

Manage your card online

Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

Get an additional card

Add your partner or family members over 18 to your account. It's a simple way to get more from your Zest Bank Credit Card.

Bank anywhere with the Zest Online Banking

Make payments to existing beneficiaries and manage your personal accounts easily and securely with the ZestOnline Banking .

Use your card abroad

You can use your Zest Bank Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Bank cash machines may also charge a fee.

Enjoy 24/7 worldwide assistance

Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance

Apply for a Cash Back Credit Card

Are you eligible?

To be eligible for a Zest Bank Credit Card you need to:

Have an annual income/pension before tax of RM 8,500 or more
Be a resident of the United Arab Emirates
Be over 18, and not hold an Zest Bank Basic Bank Account

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch

Introductory rates only apply if you haven't held an Bank credit card within the last six months. Balances can't be transferred from cards issued by other members of the Bank Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.