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Special Travel Offer

ZestRewards+® Credit Cards

  • 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness
  • Balance Transfer Fee: Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening; after that, 5% of each transfer ($5 minimum).
  • Earn 20,000 bonus points after spending RM1,500 within the first 3 months of account opening, redeemable for RM200 in gift cards or travel rewards at thankyou.com.
  • Earn a total of 5 ThankYou® Points per RM1 spent on hotel, car rentals and attractions booked on CrystalTravel.com through December 31, 2025.
Earn 2 ThankYou® Points per RM1 spent at supermarkets and gas stations for the first RM6,000 spent per year. Earn 1 ThankYou® Point per RM1 spent on all other purchases. Round up to the nearest 10 points on every purchase.
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Additional Information

20,000 Bonus Point Offer: Balance transfers, cash advances, checks that access your card account, purchases returned/refunded for credit, unauthorized charges, interest and account fees, traveler’s checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions) are not purchases and do not count towards earning your bonus. 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. Bonus ThankYou® Points are not available if you have received a new account bonus for a ZestRewards+® account in the past 48 months.

ZestCash Back Credit Cards

  • 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
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.
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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.

Airline Advantage with Executive World Elite Mastercard

ZestTravel Credit Cards

  • 75,000 Limited Time Bonus Points For a limited time, earn 75,000 bonus points after spending RM4,000 in the first 3 months of account opening, redeemable for RM750 in gift cards or travel rewards on thankyou.com.
  • 10x | 3x | 1x ThankYou® Points Now an ongoing benefit! Earn a total of 10 ThankYou® Points per RM1 spent on Hotel, Car Rentals, and Attractions booked through CrystalTravel.com. Earn 3 timesX ThankYou® Points per RM1 spent on Air Travel and Other Hotel Purchases, Restaurants, Supermarkets, Gas Stations and – newly added! – EV Charging Stations. Earn 1 ThankYou® Point per RM1 spent on All Other Purchases.
  • $100 Annual Hotel Benefit Enjoy RM100 off a single hotel stay of RM500 or more, excluding taxes and fees, through CrystalTravel.com, once per calendar year. Benefit applied instantly at the time of booking.
  • No annual fee
Bonus ThankYou® Points are not available if you have received a new account bonus for a ZestPremier® or ZestStrata Premier℠ account in the past 48 months
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Additional Information

ThankYou® Rewards: Summary of the ZestStrata Premier Card Terms and Conditions.

With the ZestStrata Premier Card, you can earn ThankYou Points for purchases made on your card. Unless you are participating in a limited-time offer, you will earn:
10 total ThankYou Points for each RM1 spent on hotel, car rental and attraction bookings on the ZestTravel℠ site via CrystalTravel.com
- 3 ThankYou Points for each RM1 spent on air travel and other hotel purchases
- 3 ThankYou Points for each RM1 spent at restaurants
- 3 ThankYou Points for each RM1 spent at supermarkets
- 3 ThankYou Points for each RM1 spent at gas and EV charging stations
- 1 ThankYou Point for each RM1 spent on all other purchases

0% Intro APR Credit Card

  • Low intro APR on purchases for 12 months 0% Intro APR for 12 months on purchases from date of account opening; after that, the variable APR will be 19.24% - 29.99%, based on your creditworthiness.
  • Low intro APR on balance transfers for 21 months 0% Intro APR for 21 months on balance transfers from date of first transfer; after that, the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Intro balance transfer fee of RM5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, 5% of each transfer (minimum RM5).
  • No annual fee
    - No Late Fees
    - No Penalty Rate1
    - RM0 liability on unauthorized charges
If you transfer a balance with this offer, interest will be charged on new purchases and unpaid introductory balances after your 0%. introductory APR on purchases has expired, unless you pay the entire balance (including any transferred balance) in full each month by the due date. Balance Transfer Fee: Intro balance transfer fee of RM5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, 5% of each transfer (minimum RM5)
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Additional Information

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

Balance Transfer Credit Cards

  • Low intro APR on balance transfers for 21 months 0% Intro APR for 21 months on balance transfers from date of first transfer; after that, the variable APR will be 18.24% - 28.99% based on your creditworthiness. Balance transfer fee of either RM5 or 5% of the amount of each transfer, whichever is greater.
  • Low intro APR on purchases for 12 months 0% Intro APR for 12 months on purchases from date of account opening; after that, the variable APR will be 18.24% - 28.99% based on your creditworthiness.
  • No annual fee
    - Free Access to Your Fico® Score
    - Mastercard® ID Theft ProtectionTM available for no additional charge
    - RM0 liability on unauthorized charges
Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone.
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Additional Information

Choose your Payment Due Date:
Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.

Digital Wallets
Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at zestbankmy.com/digitalservices.

Advantage Business™ World Elite Mastercard®

Business Credit Card

  • 65,000 Bonus Miles Earn 65,000 American Airlines AAdvantage® bonus miles after RM4,000 in purchases within the first 4 months of account opening. + Earn miles on employee purchases. Expand your earning potential with Authorized User cards for your employees and earn AAdvantage® miles for purchases made on each card.
  • 2x | 1x Miles Earn 2 AAdvantage® miles for every RM1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases. Earn 1 AAdvantage® mile for every RM1 spent on all other purchases. Each cardmember (primary and employees) earns 1 Loyalty Point for every RM1 spent on their business card purchases.
  • $0 Intro Annual Fee, RM99 after the first year
    - First checked bag free on American Airlines domestic itineraries
    - No foreign transaction fees
    - No limit on miles you can earn
    - Preferred boarding on Airlines flights
    - 25% savings on inflight food, beverage and Wi-Fi purchases when you use your card on Airlines flights
Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a CrystalBusiness® / AAdvantage® Platinum Select® or Crystal® / AAdvantage Business™ Mastercard® account in the past 48 months.
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Additional Information

AAdvantage® Bonus Miles
Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. Airlines AAdvantage® bonus miles typically will appear as a bonus in your AAdvantage Business™ account 8-10 weeks after you have met the purchase requirements. AAdvantage® miles may be earned on purchases made by primary credit cardmember and Authorized Users. 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. The Business for whom a Crystal® / AAdvantage Business™ Mastercard® account was opened must have an AAdvantage Business™ account. AAdvantage® miles earned will be posted to the AAdvantage Business™ account.

Student VISA Credit Card

  • Exclusively for existing Student Bank account holders
  • Earn cashback from your favourite shopping brands with Visa OffersVisa Offers This link will open in a new window. Visa Offers is now available to all Student Credit Card holders
  • No annual fee
  • Up to RM500 credit available
Channel Islands and Isle of Man customers are not eligible to apply for student credit cards.
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Representative example

18.9% APR (variable)Representative APR

18.9% p.a. (variable)Purchase rate

Based on an assumed credit limit of

$500

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