Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don’t control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category, as recognized by Crystal, your purchase will not qualify for additional points. For example, you won't earn additional points for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code. Please also note - purchases made through mobile/wireless technology may not earn additional points depending on how the technology is set up to process the purchase. We reserve the exclusive right to determine which purchases qualify for additional points.

You’ll earn Points for purchases using your Card Account, minus returns and refunds. 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) do not earn ThankYou Points. If your hotel purchase booked through the ZestTravel site qualifies for the RM100 Annual Hotel Benefit, you won’t earn points on the portion of your purchase that is offset by the benefit.

- 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

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

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

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.

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

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.

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