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RinggitPlus Credit Card review

Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026

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Our verdict

RinggitPlus Credit Card suits shoppers who want cashback on everyday spend plus a short balance transfer window. It charges an annual fee of MYR 195 with APR of 15% and cashback of up to 10% through rewards support of rewards for regular use.

Key facts

Best for
Cashback shoppers seeking balance transfer flexibility
Annual fee
MYR 195↗
APR
15%↗
Rewards type
Cashback↗
Rewards rate
up to 10%↗
Balance transfer intro period
6 months↗
Balance transfer fee
0%↗
Card kind
Credit↗
Legal entity
Jirnexu Sdn Bhd↗
Headquarters
Malaysia↗
Founded
2013↗
Support channels
Email, Chat↗
Pricing model
No annual fee
Features
Rewards
Official website
ringgitplus.com

Facts checked September 29, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Cashback of up to 10% with cashback focus for everyday spend
  • Balance transfer fee of 0% with cover for 6
  • Support access through email and chat for written queries

Cons

  • Annual fee of MYR 195 applies even when spend remains modest
  • APR of 15% adds borrowing cost when balances carry over
  • Support runs on email and chat only for account queries
RinggitPlus Credit Card

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Shoppers seeking cashback rewards for routine retail spend
  • Planners seeking a short transfer window with low upfront cost

Who should look elsewhere

  • Fee sensitive users who prefer eToro because annual charges differ
  • Fee sensitive users who prefer Bitpanda because annual charges differ

Fees and currency costs

The card charges an annual fee of MYR 195 for ongoing membership and borrowing at APR of 15% when balances carry over. Balance transfers carry a fee of 0% at the start, which helps short term consolidation planning. Pay in full each cycle to limit interest, since the annual fee remains regardless of spend level or repayment pattern.

How RinggitPlus Credit Card compares

Where RinggitPlus Credit Card is available

Available
Malaysia

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What annual fee applies to this card+

The card carries an annual fee of MYR 195 for continued membership regardless of usage level. Budget for this charge alongside interest if balances revolve. Paying in full each cycle keeps total cost focused on the annual fee rather than added interest.

How does the purchase interest rate work+

Purchases that revolve accrue interest at APR of 15% under standard terms. Clearing the balance in full each cycle avoids that interest charge. Keeping balances low helps manage total borrowing cost over time.

What rewards can cardholders earn+

Rewards focus on cashback with headline rewards of up to 10% for eligible spend. Rewards support comes through rewards linked to card use. Check category rules and caps before relying on rewards for value.

How do balance transfers work on this card+

Balance transfers carry a fee of 0% with cover for 6 at the start. This structure can help short term consolidation planning without added transfer cost. Repay within the window to limit later interest.

How can cardholders get help+

Help is available through email and chat for account and rewards queries. Use written channels to keep a record of advice and outcomes. Allow time for replies around busy periods and statement dates.

What kind of product is this and who offers it+

The product is a credit card linked to Jirnexu Sdn Bhd with base in Malaysia. It follows a no annual fee approach for fee conscious users. Review eligibility and terms before applying for a limit.

Sources

Compiled from 4 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee.

RinggitPlus Credit Card

RinggitPlus Credit Card

Cashback shoppers seeking balance transfer flexibility

8.8/10Visit