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    Bankbazaar Credit Cards in Malaysia

    We found 39 Credit Cards in Malaysia
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    RM150 PARKSON GIFT VOUCHER BBAZAAR EXCLUSIVE DEAL
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  • Credit Card BYTES FROM OUR KITCHEN

    Credit Cards in Malaysia

    There are more than 3.6 million credit card users in Malaysia and you can be one too. All you have to do is compare the various cards on BBazaar, check your eligibility, and select the one that matches your lifestyle.

    The card options are endless—cashback, rewards, groceries, petrol, entertainment, and travel cards, to name a few. Whether you’re a student on a budget or a salaried professional, you can find your choice of card on BBazaar..

    Any additional perks? You will get promotional offers, sign-up bonuses, and other exciting offers when you apply for a card through BBazaar.

    Get all the latest credit card promotions

    Find the Credit Card, Compare, and Apply Instantly

    Not sure what credit card is best for you or which credit card is better? Finding credit card based on your lifestyle is really simple here, just select the card category, check eligibility, compare and apply credit card online.

    Check your eligibility before applying for Credit Card

    Before applying for a card, it’s important to meet the eligibility criteria issued by the bank. The criteria varies and depends on your income level as well as citizenship and employment status. Most banks also require you to be employed with your current company for at least 3 months or in business for at least a year.

    Take a look at the main eligibility criteria in Malaysia and see if you qualify before signing up:

    Minimum Income for Application RM2,000 p.m. or RM24,000 p.a.
    Minimum Age Requirement for Principal Cardholder 21 years
    Minimum Age Requirement for Supplementary Cardholder 18 years
    Citizenship Requirement Malaysian citizen or Permanent Resident

    There are credit cards for foreigners in Malaysia as well. However, you will require a valid work permit and will need to be employed in Malaysia for a reasonable amount of time.

    Credit Card Application Requirements

    Just like there are different criteria for you to satisfy before you apply for a credit card in Malaysia, there are specific documents that you need to pair up with your application for successful approval. The kind of documents you need vary according to your employment status, the card issuing bank, and the type of card itself.

    To get your credit card application approved, you will need to support it with certain documents. The requirement changes based on your employment status, the issuing bank, and the type of card itself.

    Check out this infographic to see what documents you will need for your card application:

    Here’s a list of main credit card requirement in Malaysia to apply for card:

    For Salaried Professionals

    • Copy of NRIC/MyKad
    • Recent utility bill if current residential address isn’t the same as that on NRIC/MyKad
    • Latest 6 months' payslips
    • Latest EA statement
    • EPF statement
    • Last 6 months' bank statement

    For Self-Employed

    • Copy of NRIC/MyKad
    • Recent utility bill if current residential address isn’t the same as that on NRIC/MyKad
    • Form B
    • Business Registration Certificate/Form 9, 24, 49
    • Latest income tax return
    • Last 6 months' bank statement

    Foreigners and Expatriates

    • Copy of passport
    • Copy of work permit
    • Letter of confirmation from employer
    • Latest 6 months’ payslips

    Variable Income Earners

    • Copy of NRIC/MyKad
    • Recent utility bill if current residential address isn’t the same as that on NRIC/MyKad
    • Latest 6 months' overtime being reflected on salary slips
    • Latest 6 months’ commission statements
    • Latest 3 years’ dividend statements
    • Latest 3 years’ interest statements


    Credit Card Benefits and Perks to Customers

    Purchase Protection
    Get insured for the products you have purchased using your card. This insurance also covers theft of any product. Read the terms and conditions to see the validity of the insurance for the purchase.
    Rewards Programmes
    These programmes offer a host of benefits like reward points, air miles, cashback, or rebates. This depends on your spending habits in categories like travel, dining, retail, petrol, entertainment, etc.
    Promotions and Offers
    There’s an array of dining, shopping, travel, and other promotions and offers available with your card. For example, some restaurants will give you a discount when you swipe your card
    Frequent Flyer Miles
    You can redeem your reward points for air miles. Use these miles with a partner airline for discounted airfares, seat upgrades, or even free flights.
    Reward Points
    Enjoy reward points on different types of purchases and redeem them later for gifts, vouchers, or other privileges that are exclusive to some cards.
    Interest-free Period
    Enjoy a 20-day interest free period on your card. This means if you pay your bills within this period, you won’t accrue interest on those transactions.
    Travel Perks
    Complimentary travel insurance, frequent flyer miles, discounted accommodation, and access to airport lounges—these are the perks you receive with travel cards.
    Cashback
    You can earn a percentage of what you spend as cashback, depending on the type of card you have. This will reflect in your credit account and can be used for future purchases, to settle annual fees, or pay off outstanding balances.
    Sign-up Offers
    Some issuing banks offer bonus points, discounted airfares, travel perks, annual fee waivers, cash rebates, and more when you sign up for a particular card. You will have to read the terms of these offers before applying for the card.

    Choose the right Credit Card for you

    It’s not that difficult a task to choose the best credit card in Malaysia. However, here are some tips that you may consider while choosing a card:

    Choose a category that suits you: Before you select a card, you need to figure out which category you fit into. For instance, if you’re a frequent spender, choose a cashback or rewards card.

    Compare the shortlisted cards: Once you have figured out a category, compare various credit cards under that category.

    Look for special features: Some cards in Malaysia offer additional features like purchase protection, price guarantee, zero late payment fees, and more.

    Check the fine print: Read the terms and conditions as well as the product disclosure sheet. It’s crucial to understand what the card offers and the associated fees and charges.

    Pick a card with the best value: Your ideal card should give you the best value on every purchase you make. This could mean no expiry on reward points, no annual fees, or 0% interest on payment plans.

    Apply for Credit Card

    The application process can differ from bank to bank and the type of card, the way to apply for a credit card in Malaysia remains pretty much the same across most banks.

    At BBazaar, in just 3 easy steps, you can instantly apply credit card online and choose your preferred card or supplementary card from top card issuers in Malaysia.

    Check Eligibility
    • ✔ Helps you shortlist the right card

    • ✔ Ensures you meet the eligibility criteria

    • ✔ Offers a hassle-free, application process

    BBazaar's Best Credit Cards of 2018

    Check out BBazaar’s recommendation for the best cards in Malaysia. These cards are picked based on the popularity, benefits, and privileges offered by the card issuers.

    Best for Best Pick 1 Best Pick 2
    Cashback Citi Cash Back Platinum Credit Card Standard Chartered Justone Platinum MasterCard
    Travel Singapore Airlines KrisFlyer American Express Gold Credit Card HSBC Premier Travel Card
    Dining UOB YOLO Credit Card Hong Leong WISE Platinum Card
    Rewards Standard Chartered Visa Platinum Citi Rewards Platinum Visa Signature/World Mastercard
    Islamic BSN Mastercard Platinum Credit Card-i HSBC Amanah MPower Visa Platinum Credit Card-i
    No Annual Fee Alliance Bank You:nique Rebates Card Citi Simplicity+ Card
    Balance Transfer AmBank Platinum Mastercard Credit Card RHB Smart Move Balance Transfer
    Petrol UOB One Platinum Credit Card PETRONAS Maybank Visa Credit Card
    Shopping Maybank 2 Platinum Credit Card Alliance You:Nique Card
    Premium Alliance Bank Visa Infinite Credit Card Maybank World Mastercard Credit Card

     

    Popular Credit Card Providers

     

    Why BBazaar Malaysia?

    TAYLOR MADE OFFERED JUST FOR YOU

    BBazaar Malaysia gives the most appropriate product to you based on your needs and profile. We help you find what you’re looking for based on your preferences and eligibility. We match YOU to the right product.

    YOUR SECURITY. OUR PRIORITY

    Rest assured that at BBazaar Malaysia, we make sure we’ve complied with all PDP requirements in Malaysia and our systems and servers are ISO-certified and completely secure.

    ONE STOP SHOP FOR ALL YOUR FINANCE NEEDS

    Apply directly on the website without having to go through a third party channel - a complete and smooth end to end journey, starting from researching, comparing, selecting, applying, and totally paperless!

    Credit Card Guides

    How to Correctly Use Your First Credit Card

    A guide on everything you need to know before you start using your first credit card to avoid any future pitfalls.

    6 Common Mistakes Credit Card Users Must Avoid

    Keep a close eye on these mistakes to be a savvy card user and manage your balance efficiently.

    5 Smart Tips to Ace the Credit Card Reward Points Game and Save on Travel Costs

    Master the art of accumulating reward points, especially if you travel often and require those air miles to save more on your airfares.

    7 Useful Tips to Improve Your Credit Score

    Your credit score is extremely important and improves your chances of getting approval for other financial products.

    4 Key Differences Between Islamic Banking and Conventional Banking

    Understand the core differences between Islamic and conventional banking, and which one is better suited for you.

    More guides on personal finance ->

    Credit Card Reviews

    Alliance Bank Platinum Credit Card Review

    Earn Rewards Points Quickly, Redeem Them for Goodies and Air Miles.

    Standard Chartered Visa Platinum Credit Card Review

    One of the best cards to earn more rewards points. You can earn more points on dining, overseas spends etc.,

    Shell Citi Gold Credit Card Review

    Earn more rebates on daily fuel spends with Shell Citi Gold Credit Card

    Citi Simplicity+ Review

    Get 10% Unlimited interest back every month with Citi Simplicity+ Cards.

    Maybank 2 Cards Premier Review

    A best credit card to earn more air miles and best credit card for conversion rate for your treatpoints to miles.

    Credit Card Consumer Behaviour: Malaysia vs. Singapore

    BBazaar's Study : How Malaysia is Catching Up Fast With Singapore When it Comes to Credit Card Usage?

    Malaysia vs. Singapore: Credit Card Consumer Behaviour

    Credit Cards Fees and Charges

    Fees and charges for cards in Malaysia can vary from one bank to another and at times, according to the type of card itself.

    Type of Fees or Charges What Does it Mean? Range of the Fee/Charge
    Annual fees This fee is what you pay to use all the features and benefits that come with a credit card for a year. RM0 – RM1060
    Minimum monthly payment This is the minimum due amount you should pay every month to continue using the card. 5% of the outstanding balance or RM50, whichever is higher.
    Late payment charge This is the amount you need to pay if you miss any of your monthly payments. 1% of the outstanding balance or a minimum of RM10 to a maximum of RM100.
    Cash advance fee This is the fee to be paid if you use your credit card to withdraw cash from an ATM. RM10.60 to 5.3% of the total cash advance amount.
    Retrieval request fee This fee is if you wish to request for a copy of the sales draft in order to substantiate a specific transaction. RM15 – RM21.20 per copy.
    Card replacement fee This fee has to be paid if you want a replacement card in case your original card was lost or stolen. RM0 – RM50
    Statement request fee This fee should be paid if you want a duplicate monthly statement sent to you physically. RM5 – RM5.30
    Overlimit fee This fee comes into play when you exceed your card’s assigned credit limit. RM26.50

    Credit Card FAQs

    Q. How long does the credit card application process take?

    A. To get your application approved, you will have to meet the criteria given by the issuing bank. You will also have to submit the relevant documents. While the processing time changes for each card issuer, you should receive your card within 7 to 10 working days once it’s approved.

    Q. Can I apply for more than one credit card?

    A. Unless you earn lesser than RM36,000 per annum, you can apply for more than one card.

    Q. How does the card issuer decide my card limit?

    A. If your annual income is under RM36,000, you will receive a credit limit of two times your monthly salary. However, if your annual income is more than RM36,000, the bank will determine the credit limit and communicate this to you. You can also request your bank for an increase in your credit limit.

    Q. What are the fees and charges I have to pay for my card?

    A. The major fees and charges associated with a credit card are given below:

    • Finance charges: Generally ranges from 15% p.a. to 18% p.a., depending on your repayment behaviour over the last 12 months.
    • Annual fee: Varies from bank to bank.
    • Monthly payment: A minimum of RM50 or 5% of the total outstanding amount.
    • Late payment charges: 1% of the amount of the due instalment charged on a daily basis.
    • Card replacement fee: Varies from bank to bank.
    • Cash withdrawal fee: Varies from card to card and bank to bank.

    Q. What’s the best way to use my card?

    A. You should apply for a credit card that matches your lifestyle and spending habits. If you travel frequently, choose a card that offers travel-related benefits. There are certain common mistakes you should avoid try to as well.

    Q. Can I use my credit card outside Malaysia?

    A. Yes, you can use your card outside Malaysia provided you have activated it for overseas use. You will be charged with an additional overseas transaction fee that is a combination of a fee charged by Visa or MasterCard International and any administration fee charged by the card issuing bank.

    Q. How do I pay my credit card bill every month?

    A. The payment methods vary for each card issuer. Some of the most common options are online banking, mobile banking, phone banking, or visiting the bank to clear your dues.

    Q. What do I do if I lose my card or it gets stolen?

    A. If you lose your card or your card gets stolen, you should immediately reach out to the bank via its customer support number. The bank will get your card blocked in order to avoid any unauthorised transactions.

    Q. How does a balance transfer work?

    A. A balance transfer feature on your credit card lets you transfer the outstanding balance accrued on credit cards issued by other banks onto your credit card. You can then repay the transferred amount at a lower rate of interest within a specific tenure.

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