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Credit Cards in Malaysia

Looking to save more on your credit card purchases? Here’s a list of best credit cards using which you can get cashback, rewards, air miles, and more! Compare and apply for the one that matches your lifestyle!
Bankbazaar Credit Cards in Malaysia

We found 38 Credit Cards in Malaysia
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  • Credit Card BYTES FROM OUR KITCHEN

    Malaysia is gradually moving towards becoming a cashless society. With times changing, it’s important that you’re equipped with the right tools to go cashless and credit cards are just what you need for a smooth transition.

    To top it off, the best credit cards get you the best-in-class benefits and privileges in different categories, including shopping, dining, travelling, and petrol among others.

    These benefits are based on the amount you spend using your card. There are multiple types of credit cards based on the type, mechanism and the category they belong to. This includes rewards cards, cashback cards, petrol cards, travel cards, premium cards and Islamic cards.

    These cards offer you various benefits with every purchase made using them. Let’s find out some of the top credit cards in Malaysia for these categories.

    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.

    Here are the Best Credit Cards in Malaysia 2018

    Updated on 14th November 2018

    Best for Best Pick 1 Best Pick 2
    Cashback Citi Cash Back Platinum Credit Card Standard Chartered Justone Platinum MasterCard
    Travel Standard Chartered WorldMiles World Mastercard HSBC Premier Travel Card
    Dining HSBC Premier World Mastercard Hong Leong WISE Platinum Card
    Rewards Alliance Bank Platinum Credit Card Citi Rewards Platinum Visa Signature/World Mastercard
    Islamic RHB Islamic Platinum Credit Card-i HSBC Amanah MPower Visa Platinum Credit Card-i
    No Annual Fee Standard Chartered Visa Platinum Credit Card Citi Simplicity+ Card
    Balance Transfer Maybank Visa Platinum Credit Card RHB Smart Move Balance Transfer
    Petrol Standard Chartered JustOne Platinum Mastercard PETRONAS Maybank Visa Credit Card
    Shopping RHB Islamic Smart Value Credit Card-i Alliance You:Nique Card
    Premium HSBC Premier World Mastercard Maybank World Mastercard Credit Card

    Best Cashback Card

    The Citi Cash Back Platinum Credit Card offers cash rebates on your retail transactions. You also get exclusive offers on shopping and dining from participating partner outlets. Given below is the list of  Best cashback credit cards of 2018 in Malaysia:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    Up to 10% cashback for petrol, dining, grocery, and Grab rides

    0.2% cashback for all other retail purchases

    Principal card: RM195

    Supplementary card: RM100

    Best Credit Card For Frequent Travellers

    The Standard Chartered WorldMiles World Mastercard offers rewards on retail transactions and several other travel-related benefits. You also get unlimited access to participating airport lounges and exclusive travel deals as well. The best travel credit cards for 2018 is listed below:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know more

    3 WorldMiles for every RM2 spent overseas

    1 WorldMile for every RM3 spent locally

    Unlimited access to KLIA and KLIA2 Plaza Premium Lounges when you travel internationally

    Principal card: RM600 Waived for the 1st year

    Supplementary card: No charges

    Best Credit Card For Dining

    The HSBC Premier World Mastercard gives high rewards when you dine overseas and locally. This card is free for life for both principal and supplementary cardholders. You also enjoy access to airport lounges of participating airports. Listed below are top best dining card in Malaysia.

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    10x Reward Points for overseas dining

    10x Reward Points for overseas hotel spends

    8x Reward Points for purchases made at the Mid Valley Megamall and The Gardens Mall

    5x Reward Points for buying air tickets

    5x Reward Points for local hotel and dining spends

    Complimentary access to Plaza Premium Lounges of selected airports

    Principal card: Free for life

    Supplementary card: Free for life

    Best Credit Card To Earn Reward Points

    The Alliance Bank Platinum Credit Card is ideal for those who want to get the best value on their expenses. You not only get rewards for retail transactions, but also discounts and deals from participating partners and KLIA Plaza Premium Lounge access. The best rewards cards for the year 2018 are contained in the table below:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    3x Timeless Bonus Points (TBP) for every RM1 spent overseas

    2x TBP for every RM1 spent on petrol, grocery and utility payments

    1x TBP for every RM1 spent locally

    Air miles redemption

    6,000 TBP = 1,000 Enrich Miles

    3,000 TBP = 1,000 BIG Points

    Principal card: RM438

    Supplementary card: No charges

    Best Islamic Credit Cards

    RHB Islamic Platinum Credit Card-i is a Shariah-based credit card that offers reward points for dining and retail transactions. You can also enjoy golf privileges and airport lounge access with this card.

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    5x Reward Points for dining during your birthday month

    3x Reward Points for daily dining spends and overseas retail purchases

    2x Reward Points on utility bills, insurance premiums, and shopping transactions

    Get 1x Reward Points on all other retail spends

    Complimentary lounge access to Plaza Premium Lounges in Malaysia

    Travel Takaful of RM600,000

    Principal Card - RM200

    Supplementary Card - No charges

    Best No Annual Fee Credit Cards

    Use your Standard Chartered Visa Platinum Credit Card to earn rewards for retail purchases. The annual fee for both principal and supplementary cardholders is waived with no conditions. Here are the best cards with no annual fee:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    5x reward points for dining spends, departmental store purchases, and overseas expenses

    1x reward point for grocery spends, petrol purchases, and medical expenses

    5,000 bonus points awarded every month on a minimum spend of RM1,500

    Principal card: Free for life.

    Supplementary card: Free for life.

    Best Balance Transfer Credit Cards

    The Maybank Visa Platinum Credit Card offers rewards in the form of TreatsPoints when you carry out transactions during your birthday month. You also get travel insurance coverage when you opt for this card. The best cards with balance transfer facility are listed below:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee
    Know More

    2x TreatsPoints for all transactions carried out during your birthday month

    2x TreatsPoints for every RM1 spent overseas

    1x TreatsPoint for every RM1 spent locally

    1x TreatsPoint for insurance payments, utility bill payment, payments made to educational institutions, and fuel purchases

    Travel insurance coverage of up to RM700,000 when you buy the full air tickets using your card

    Principal Card - RM550

    Supplementary Card – RM150

    Best Credit Card For Your Petrol Purchases

    The Standard Chartered JustOne Platinum Mastercard offers cashback for petrol purchases and for all other retail transactions. This card also provides exclusive discounts and offers from participating partner outlets. Let’s look at the best petrol cards available in 2018 for your everyday petrol needs:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    Up to 15% cashback for petrol purchases

    Up to 15% for online purchases and utility bill payments

    Principal card: RM250 Waived for the 1st year

    Supplementary card: No charges

    Best Shopping Credit Cards

    The RHB Islamic Smart Value Credit Card-i is ideal for those who want to increase their monthly savings. You can earn up to 5% cashback for online and retail transactions. This card also offers travel Takaful coverage for you and your family. Lets take a look at the best shopping cards in Malaysia for the year 2018:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    5% cashback on online shopping

    Travel takaful of up to RM100,000, which also covers travel inconveniences

    Principal Card: RM70

    Supplementary Card: Waived for life

    Best Premium Credit Cards

    The HSBC Premier World Mastercard is a premium card offered to those who love to shop and travel. This card offers high rewards on overseas hotel reservations and overseas dining, and shopping at selected partner outlets.

    Lets take a look at the Best Premium Credit Cards in Malaysia for the year 2018:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee (p.a.)
    Know More

    10x Reward Points for overseas hotel room and dining expenses

    8x Reward Points for transactions at the Mid Valley Megamall and The Gardens Mall

    5x Reward Points for flight ticket purchases

    5x Reward Points for local hotel and dining spends

    1x Reward Points on other retail transactions

    Complimentary access to Plaza Premium Lounges of participating airports

    Principal card: No charges

    Supplementary card: No charges

    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.

    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.

    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 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 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.
    Promotion Offers 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 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 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 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 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 Benefits 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 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.

    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!

    Top Best Pages Articles

    Best Rewards Credit Cards

    Rewards cards let you earn rewards points for every Ringgit you spend through your card. You can earn points on purchases related to petrol, groceries, online stores, and more.

    Best Cashback Credit Cards

    A cashback credit card earns you a percentage of the transaction with every use. The cashback earned is transferred to your credit account with every transaction or on a monthly basis. A cashback card can help you boost your monthly savings.

    Best Travel Credit Cards

    A travel credit card helps you get a better travel experience with a range of travel privileges like travel insurance, wallet protection in the unfortunate event of theft, exclusive concierge service, airport lounge access and more.

    Best Petrol Credit Cards

    A Petrol Credit Cards helps you to get better benefits of your fuel purchases.

    Best No Annual Fee Credit Cards

    Check out the best credit cards which has zero annual fee with great benefits and privileges.

    Best Dining Credit Cards

    Check out the best dining credit cards which allows you to earn reward points and cash rebates or even offer discounts on your dining-related spends. Some credit cards may also provide you with exclusive dining privileges.

    Best Airport Lounge Access Credit Cards

    Many travel credit cards offer complimentary airport lounge access. Check out the best airport lounge access credit cards.

    Best Credit Card Sign-Up Offers

    Check out the best credit card which have greater sign up offers in Malaysia.

    Best credit cards for Different Income Groups

    Check out the best credit card for different income groups.

    Best Credit Cards for Low Income

    Are you getting low income? Check out here to compare the best credit cards for low income employees and get the one which suits your needs.

    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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