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In the provision of banking services, it is important to ensure that the Malaysian public, especially the low-income consumers, have access to basic banking services at minimal costs.

Benefits & Features

• Cheque and cash deposit
• ATM and over-the-counter (OTC) withdrawals
• Fund transfers and bill payment facilities
• Issuance of cheque with NO cashline facilities

Internet Banking

Available to all BCA account holders. The following Internet Banking services are free of charged:

• Fund transfer facility (with EXCEPTION of GIRO facility where the Bank will impose a service charge of RM0.10 per transaction to BCA holders)
• Online bill payment facilities within the Bank
• Account enquiries including account balances/summary, account statement and transaction history

Contract

Qard

The Customer shall give consent to the Bank to deal with the whole or any part of any balances in the account in the manner that the Bank deems fit. Any profit generated by the Bank from the use of the funds shall belong to the Bank. The Bank may at its absolute discretion, give reward (Hibah) to the Customer. Subject to the terms hereof, the Bank guarantees payment of the whole sum standing to the credit of the Customer’s account upon demand.

Eligibility & Requirements

Malaysian citizens and permanent residents

SME

Minimum Opening

No minimum balance

Age Requirement

Applicable to Individuals, Joint and SME

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Fees & Charges

Option on ATM Charges

An annual charge of RM8.00 – The application will be processed as usual where RM8.00 charge will be charged

No Annual Fee.

8 FREE ATM withdrawals in a month – Any withdrawal exceeding 8 times in a month will be charged at RM0.50 per ATM withdrawal

Other Charges

MEPS IBG

All BCA holders will enjoy a service charge on only RM0.50 for the first two transaction for MEPS IBG.

Cheque Book

The BCA holders will be provided with cheque book facility (but NO overdraft facility is allowed). The issuance of cheque book is FREE of charge. However, the account holder will have to pay for the charges on stamp duty.

Number of Free Deposits

All the deposit transactions via electronic channels will be at no cost to the deposits.

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ATM withdrawal via MEPS

Any cash withdrawal at ATM owned by other Financial Institution under MEPS will be charged RM1.00 per transaction

Half-Yearly Service

Individual account with an average balance of less than RM1,000.00 will be charged RM10.00

Dormant Account

With balances up to RM10.00 – Account will be closed and these balances will be absorbed by the Bank as a charge

Other Fee and Charges

Account closed within 3 months from the date opened will be charged RM20.00

Terms & Conditions

You are here.

• How Can I Get a Credit Card With No Deposit?

You can apply and potentially be approved for most credit cards with no deposit, including cash back, travel and student credit cards. Some cards do, however, come with an annual fee. A traditional secured credit card can help you build your credit history, but requires a deposit that is used as collateral.

If you’re looking for credit with no deposit and you don’t have much credit history, there are a few options to consider:

1. Become an Authorized User on Someone Else’s Credit Card

Becoming an authorized user on a credit card account allows people who may not be able to qualify for a card by themselves to use someone else’s credit card as if it were their own. Authorized users do not have all the same account capabilities of a primary account holder, but as far as general use is concerned, it’s as if the card is theirs.

One of the main benefits of being an authorized user is that if the primary account holder has a good history of use with the card, the authorized user may reap some of the rewards on their own credit. Many — but not all — issuers report authorized user activity to the credit bureaus, which means that you can essentially piggyback off a primary account holder’s credit history for a given card.

On the other hand, if a primary account holder has missed payments on the card or is holding a high balance — both negative impacts to credit — an individual risks damaging their score by becoming an authorized user.

Similarly, if an authorized user mishandles the credit card, racking up large balances they can’t afford to pay off, the primary account holder will be held responsible. This responsibility may make it difficult to find someone who trusts you as an authorized user on their account.

2. Sign Up for a Student Card If You’re a Student

A student credit card doesn’t require a credit history or a deposit, so it could be a great option to start your credit journey – if you’re a student.

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Student credit cards also offer cash back rewards and can help you establish a credit score, among several other benefits.

If you’re interested in applying for a student card, you’ll want to make sure you have the right information to apply and get the right card for you.

3. Rethink Getting a Secured Credit Card

Yes, a secured card does include making a security deposit. However, you can qualify to get it back and it could be as low as a couple hundred dollars. The plus side is that you can still earn rewards and build your credit at the same time.

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While not having to make a deposit could seem attractive up front, you also have to consider other factors, such as the interest rate you’ll be charged on a revolving balance, annual fees and whether or not you will be approved.

You may want to learn more about how a secured card works before you dismiss it as a viable option.

Educating yourself on what type of behavior leads to a higher credit score should come before completing any applications. With a bit of preparation, and a commitment to good habits, you can find a credit card with no deposit that can help you create a brighter financial future.

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Originally published September 25, 2017.

Free Credit Rm20 No Deposit Credit Cards

Updated August 24, 2020.