OFFICIAL TERMS & CONDITIONS

Terms & Conditions Credit Free – A Complete Guide for Malaysian Players

Before you start playing at Credit Free, please read and understand these Terms & Conditions carefully. This document outlines your rights and responsibilities as a member, including account policies, deposit and withdrawal rules, bonus requirements, and gameplay guidelines that all players on our platform must follow.

Last Updated: 1 January 2026

The Essence of Credit Free's Terms & Conditions

Six key things you need to know before using the Credit Free platform

One Account Per Player
Each player is permitted to hold only one active account at Credit Free. Creating multiple accounts — whether under your own name or using someone else's details — is a serious violation that may result in account suspension and forfeiture of all balances and bonuses without prior notice.
Deposits & Withdrawals in RM
All financial transactions on Credit Free are conducted exclusively in Malaysian Ringgit (RM). The minimum deposit is RM10 via Touch 'n Go, GrabPay, Boost, ShopeePay, DuitNow, or FPX. The minimum withdrawal is RM50 and is processed within 5 minutes to your Malaysian bank account or e-wallet.
Fair Bonus Rollover Requirements
Every bonus at Credit Free comes with a clearly stated and fair rollover requirement. The welcome bonus is subject to a 20x rollover on the bonus amount. The weekly cashback carries only a 1x rollover. There are no hidden conditions — all bonus terms are fully disclosed before you accept them.
Identity Verification (KYC)
Credit Free may request identity verification documents before processing withdrawals that exceed a certain threshold. This is standard industry practice to protect players against identity fraud. Documents typically required include a copy of your MyKad and a recent Malaysian bank or e-wallet statement.
Minimum Age Requirement: 18 Years
Credit Free strictly enforces a minimum age requirement of 18 years for all members. Anyone who registers using false information about their age will have their account terminated immediately and all associated funds may be forfeited. If you suspect that a minor is using this platform, please contact our support team right away.
Right to Amend Terms
Credit Free reserves the right to amend these Terms & Conditions at any time with reasonable notice to members via email or an in-platform notification. Continued use of the platform after any amendments take effect will be considered acceptance of the revised terms. It is your responsibility to review these terms periodically.

01Definitions & Acceptance of Terms

These Terms & Conditions ("Agreement") constitute a legally binding contract between you ("User", "Member", or "Player") and Credit Free ("Platform", "We", or "Company"), operating through the website at the domain creditfree.click.

By registering an account, accessing, or using any part of the Credit Free platform — including Live Casino games, slot games, table games, the Virtual Sports section, and all related services — you acknowledge that you have read, understood, and agreed to be bound by all provisions of these Terms & Conditions.

Important Note: If you do not agree with any part of these Terms & Conditions, please do not register for or use the Credit Free platform. Continued use of the platform constitutes your acceptance of all terms stated herein.

In this Agreement, the following terms carry the meanings as defined:

  • "Account" refers to the personal account registered by a player on the Credit Free platform.
  • "Balance" refers to the actual funds available in a player's account, excluding any bonus amounts still within the rollover period.
  • "Bonus" refers to any additional value credited to a player's account by Credit Free as part of a promotional program.
  • "Rollover" or "Wagering Requirements" refers to the number of times the bonus value must be wagered before a withdrawal can be made.
  • "KYC" (Know Your Customer) refers to the identity verification procedures implemented by Credit Free.

02Eligibility & Account Registration

To register and use the Credit Free platform, you must meet all of the following eligibility requirements:

  • At least 18 years old at the time of registration.
  • An individual who is legally competent to enter into a binding contract.
  • Not be located in any territory where access to the Credit Free platform is prohibited or restricted under local law.
  • Has never previously been banned from using the Credit Free platform.
  • Registering on your own behalf only — not on behalf of any other individual or entity.

During registration, you are required to provide accurate, truthful, current, and complete information, including your full name, date of birth, an active Malaysian phone number, and a valid email address. It is your responsibility to keep this information up to date should any changes occur.

Warning: Only one account is permitted per individual, IP address, device, residential address, phone number, and payment method. Creating multiple accounts to claim registration bonuses more than once is strictly prohibited and may result in all associated accounts being frozen and all balances and bonuses being fully forfeited.

Credit Free reserves the right to verify your identity at any time through a KYC process. Failure to provide the requested verification documents within the specified timeframe may result in a temporary account suspension until verification is complete.

You are solely responsible for maintaining the confidentiality of your account password. Credit Free will not be held liable for any losses resulting from unauthorised access to your account due to your failure to keep your password secure. Please contact Credit Free customer support immediately if you suspect your account has been accessed without your authorisation.

03Deposits & Payment Methods

Credit Free accepts deposits via the following local Malaysian payment methods:

  • Touch 'n Go eWallet
  • GrabPay
  • Boost
  • ShopeePay
  • DuitNow
  • FPX – Online banking (Maybank2u, CIMB Clicks, Hong Leong Connect, RHB Now, and other FPX-supported banks)

The deposit terms and conditions are as follows:

  • Minimum deposit: RM10 per transaction.
  • Currency: All deposits must be made in Malaysian Ringgit (RM). Credit Free does not accept foreign currencies.
  • Processing: Successful deposits are typically credited to a player's account instantly, or within up to 5 minutes depending on the chosen payment method.
  • Ownership of funds: You declare that all funds deposited into your Credit Free account are legitimately yours and free from any involvement in unlawful activities.
  • Transaction fee: Credit Free does not charge any fees for deposits. However, your e-wallet provider or bank may apply their own charges.

Credit Free reserves the right to decline or reverse any deposit suspected of being linked to fraud, money laundering, or a breach of these terms. In such cases, funds will be returned via the original payment method within a reasonable timeframe.

04Fund Withdrawal

Credit Free players may withdraw funds from their account balance subject to the following conditions:

  • Minimum withdrawal: RM50 per withdrawal request.
  • Withdrawal methods: Withdrawals may only be made via the same payment method used for the deposit, or to a verified Malaysian bank account or e-wallet registered in your name.
  • Processing time: Credit Free aims to process all withdrawals in under 5 minutes. However, withdrawals that require additional security checks may take up to 24 hours.
  • Rollover requirements: Any active bonus in your account must be fully completed (rollover requirement met) before the associated balance may be withdrawn.
  • KYC Verification: First-time withdrawals, or withdrawals exceeding a certain amount, may require identity document verification before they can be processed.

Credit Free reserves the right to suspend or decline a withdrawal request if there are concerns regarding account security, suspected fraud, or a breach of terms. Players will be contacted via their registered email address if a withdrawal is placed on hold for any of these reasons.

Credit Free does not permit withdrawals to third-party accounts. All withdrawals must be made to a bank account or e-wallet registered in the player's own name, consistent with their Credit Free account information.

05Bonuses & Promotions

Credit Free offers its members a wide range of bonuses and promotions, including a welcome bonus, weekly cashback, referral bonus, and special seasonal promotions. All bonuses are subject to specific terms stated alongside each promotional offer.

General terms applicable to all Credit Free bonuses:

  • Each player is entitled to claim each bonus only once, unless otherwise stated.
  • Bonuses cannot be withdrawn as cash until the rollover requirements have been met in full.
  • Credit Free reserves the right to revoke any bonus if abuse, arbitrage betting, or manipulation of the bonus system is suspected.
  • The Credit Free welcome bonus is subject to a 20x rollover on the bonus amount. For example, a bonus of RM100 requires RM2,000 in total wagers before any withdrawal is permitted.
  • Weekly cashback is credited automatically every Monday and carries only a 1x rollover requirement — among the most competitive in the industry.
  • Bonus value where the rollover requirement has not been met within 30 days of the issue date will expire automatically.

Credit Free is committed to full transparency in its bonus terms. If you have any questions about rollover requirements or the eligibility criteria for a specific bonus, please contact our customer support team before accepting it. We would rather you go in fully informed than be caught off guard later.

In the context of Virtual Sports, wagers on certain sports may contribute at a lower rate towards meeting casino bonus rollover requirements. The contribution percentage for each game category is stated in the relevant promotion terms.

06Game Rules

Use of the Credit Free gaming platform — covering Live Casino, slots, table games such as baccarat, blackjack, roulette, sic bo, and dragon tiger, as well as Virtual Sports — is subject to the following rules:

  • All casino games at Credit Free use software and systems certified by independent third-party auditors to ensure fairness and randomness of outcomes.
  • Results determined by the Credit Free gaming system are final. Any claims relating to game outcomes must be submitted within 72 hours of the date of the incident.
  • Players are responsible for understanding the rules of each game before starting a session. Credit Free provides game guides accessible within the platform.
  • In the event of a technical error such as a connection disruption during an active game, Credit Free will endeavour to restore any affected wagers based on system records. Credit Free's decision in such cases is final.
  • For Virtual Sports, bet outcomes are determined by the official results of the relevant match or event as announced by the governing body. Bets placed on matches that are subsequently cancelled or postponed for more than 24 hours will be fully refunded.

Credit Free reserves the right to suspend or void any game where there is evidence of a technical malfunction that compromises the integrity of play. In such cases, all affected bets will be refunded to the players.

07Prohibited Conduct

The following activities are strictly prohibited on the Credit Free platform and may result in immediate account closure:

  • Identity fraud: Registering using another person's identity or providing false personal information.
  • Multiple accounts: Holding or using more than one Credit Free account.
  • Money laundering: Using the Credit Free platform for money laundering or any other illegal financial activity.
  • Bonus abuse: Using strategies designed to exploit the bonus system unfairly, including arbitrage betting, hedging across multiple accounts, or any other method that goes against the spirit of our promotions programme.
  • Use of unauthorised software: Using bots, automation software, artificial intelligence tools, or any third-party software to gain an unfair advantage in gameplay.
  • System disruption: Any attempt to hack, exploit bugs, or disrupt the normal operations of the Credit Free platform.
  • Collusion: Colluding with other players in a manner intended to defraud Credit Free or other players in table games or Virtual Sports.

Credit Free operates a sophisticated fraud detection system that runs 24/7. Suspicious activity will be investigated, and if confirmed, the accounts involved will be closed immediately with all balances forfeited. Serious cases may be reported to the relevant authorities.

08Account Closure & Dispute Resolution

You may close your Credit Free account at any time by contacting our customer support team. Prior to closure, all active bonus rollover requirements must be completed, or the associated bonuses will be forfeited. Any valid cash balance (excluding bonuses that have not yet met their rollover) will be returned to you via your registered payment method.

Credit Free also reserves the right to close or suspend an account without prior notice if:

  • A breach of the terms outlined in this document has occurred.
  • Suspected or confirmed fraudulent activity is detected.
  • Required to comply with legal or regulatory obligations.
  • The player has applied for self-exclusion through the responsible gaming programme.

For any dispute relating to gameplay, payouts, or Credit Free policies, please follow the procedure below:

  1. Contact Credit Free's customer support team via live chat or email at support@creditfree.click, providing full details of your dispute.
  2. Our team will investigate the dispute and provide a response within 3 business days.
  3. If you are not satisfied with the initial decision, you may request a review by one of our senior supervisors.
  4. Credit Free's decision following any review is final and binding.

Credit Free is committed to resolving all disputes fairly and promptly. All live session recordings are retained for a minimum of 90 days and may be referenced as evidence in dispute resolution. We strongly encourage players to contact us directly with any concerns before raising claims on any public forum.

These Terms & Conditions, and any disputes arising from them, are governed by the applicable laws of the jurisdiction in which Credit Free operates. Credit Free shall not be liable for any indirect, consequential, or special losses arising from your use of, or inability to use, the platform.

PRResponsible Gaming

Credit Free takes problem gambling seriously. Our platform provides the following responsible gaming tools, accessible to all members via account settings or by contacting our support team:

  • Daily/Weekly/Monthly Deposit Limit: Set a maximum limit on the total amount that can be deposited within a specified period.
  • Loss Limit: Set a maximum limit on the net loss permitted within a specified period.
  • Session Time Limit: Set a session time limit and receive alerts when you are approaching it.
  • Cool-off Period: Pause your account for 24 hours, 7 days, or 30 days if you need a break from gaming activity.
  • Self-exclusion: Request a short-term self-exclusion (1–6 months) or a permanent exclusion from the Credit Free platform.

If you or someone you know is experiencing issues related to gambling habits, Credit Free encourages you to seek professional help. Visit the Responsible Gaming us for further information and support resources.

The minimum age requirement is 18 years, with no exceptions. Credit Free conducts age verification checks and may request proof of identity documents at any time to confirm a player's eligibility.

Document Information
Version 5.1
Last Updated 1 Jan 2026
Language Bahasa Melayu
Effective Date Immediately
Have a Question?

If any part of these Terms & Conditions is unclear, the Credit Free support team is available 24 hours a day to assist you.

support@creditfree.click
24/7 Live Chat

FAQ – Credit Free Terms & Conditions

Quick answers to the most frequently asked questions about Credit Free's terms of use

Credit Free processes most withdrawals in under 5 minutes via Malaysian e-wallets such as Touch 'n Go, GrabPay, and DuitNow. Withdrawals via FPX to a bank account may take slightly longer depending on the bank's processing time. Withdrawals that require additional KYC or security checks may take up to 24 business hours. The minimum withdrawal amount is RM50, and any bonus balance that has not met the rollover requirement must be settled first.

A 20x rollover means you must wager the bonus amount 20 times before any related balance can be withdrawn. For example, if you receive a RM50 bonus, you need to place a total of RM1,000 in wagers (RM50 × 20) before a withdrawal is allowed. Wagers on all Live Casino games, slots, and table games count in full toward meeting the rollover requirement. Virtual Sports bets contribute at the percentage specified in the relevant promotion's terms. The Credit Free weekly cashback carries only a 1x rollover — far lower than the welcome bonus.

No. Credit Free strictly enforces a one-account-per-player policy. Each individual is permitted to hold only one active account, regardless of the device, IP address, or payment method used. Creating multiple accounts is a serious violation and will result in the closure of all associated accounts and forfeiture of all balances and bonuses. If you are having trouble accessing your existing account, please contact Credit Free's customer support for assistance — do not open a new account.

For the KYC process at Credit Free, you may be required to submit the following documents:
  • A copy of your MyKad (front and back) or another valid Malaysian identity document.
  • A recent bank statement or e-wallet statement (Touch 'n Go, GrabPay, etc.) showing the account holder's name and account number — dated within the last 3 months.
  • In certain cases, a selfie holding your MyKad may be required for additional verification.
These documents are submitted through a secure portal within the Credit Free platform and are protected by 256-bit SSL encryption. We will not share your documents with any third party without your consent.

All live game sessions on Credit Free are fully recorded and retained for a minimum of 90 days. If you have a dispute regarding a game outcome, please contact Credit Free support within 72 hours of the incident, providing details such as the date, time, game name, and round number where available. Our team will review the relevant recording and deliver a decision within 3 business days. For Virtual Sports tables, outcomes are determined based on official data from recognised odds providers and sports governing bodies.

Yes. When significant amendments are made to Credit Free's Terms & Conditions, we will notify members via their registered email address and/or an in-platform pop-up notification. The last updated date is always displayed at the top of this document so you know when the terms have changed. For minor amendments that do not affect players' core rights, a brief in-platform notice is sufficient. We encourage all players to review this page from time to time, particularly before making a large deposit or claiming a new promotion.

Credit Free – A Platform Built on Integrity

The operational standards we uphold every day for our Malaysian players

Officially Licensed
Certified RNG
256-bit SSL
5-Minute Withdrawal
Responsible Gaming
24/7 Support

Your Privacy & Data Protection at Credit Free

The personal information you provide to Credit Free during registration and use of the platform is handled in accordance with Privacy Policy our strict policies. All data is protected by 256-bit SSL encryption and is never shared with third parties without your consent. Your KYC documents are stored securely and accessed only by trained Credit Free staff for verification purposes. You have the right to request access to, transfer of, or deletion of your personal data at any time by contacting us at support@creditfree.click. Your use of the Credit Free platform is also subject to our Privacy Policy, which should be read together with these Terms & Conditions.


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