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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
    Card
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    0
    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
    1060
    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    254.40
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    Credit Card BYTES FROM OUR KITCHEN

    BBazaar Exclusive Deals for Credit Card

    Gift Card Worth RM200 from either Ikea or Lazada

    *Click Here to Check Terms & Condition

    Ikea voucher worth RM500

    **Click Here to Check Terms & Condition

    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 2019

    Updated on 28th December 2018

    Best for Best Pick 1 Best Pick 2
    Cashback Citi Cash Back Platinum Credit Card Hong Leong WISE Platinum Credit Card
    Travel Citi Prestige Card HSBC Premier Travel Card
    Dining AmBank BonusLink Visa Signature Card Hong Leong WISE Platinum Card
    Rewards Hong Leong Sutera Platinum Card Citi Rewards Platinum Visa Signature/World Mastercard
    Islamic Maybank Islamic World Mastercard Ikhwan Card-i HSBC Amanah MPower Visa Platinum Credit Card-i
    No Annual Fee AmBank Cosway Gold Mastercard Citi Simplicity+ Card
    Balance Transfer HSBC Premier World Mastercard RHB Smart Move Balance Transfer
    Petrol Hong Leong WISE Gold Credit Card PETRONAS Maybank Visa Credit Card
    Shopping Maybank 2 Platinum Cards Alliance You:Nique Card
    Premium CIMB Visa INFINITE Credit card Maybank World Mastercard Credit Card
    Best Credit Cards

    Best Cashback Credit Card

    Hong Leong WISE Platinum Credit Card gives you the option to choose the cashback categories of your choice. You can use this card for carrying out transactions in your preferred spend categories and earn cashback. 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 on two of your preferred categories.

    Switch to another category whenever you want to.

    Principal card: RM300.

    Supplementary card: RM150.

    Best Credit Card For Frequent Travellers

    Citi Prestige Card offers rewards for overseas spends and many travel-related privileges. You get travel insurance coverage, complimentary airport lounge access, and exclusive access to events.

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

    2x Citi Rewards points for every RM1 spent overseas.

    1x Citi Rewards points for every RM1 spent locally.

    Unlimited complimentary global lounge access.

    Travel insurance coverage of up to RM1 million.

    Principal card: RM1,000.

    Supplementary card: Waived for life.

    Best Credit Card For Dining

    If you like to dine out frequently, AmBank BonusLink Visa Signature Card is ideal for you. You earn high rewards for dining and other selected spends. Moreover, you can earn 2 sets of reward points for transactions carried out at any BonusLink partner outlets!. Listed below are top best dining card in Malaysia.

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

    10x BonusLink Points for the dining category.

    6 BonusLink Points for every RM10 spent overseas.

    Get 3 BonusLink Points for every RM10 spent locally.

    Principal card: RM550.

    Supplementary card: RM300.

    Best Credit Card To Earn Reward Points

    Use your Hong Leong Sutera Mastercard and enjoy high rewards for all-day dining spends, overseas purchases, and weekend spends. This card also offers airport lounge access and travel insurance coverage. 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

    6x Rewards Points for overseas spends.

    3x Rewards Points for local weekend spends and all day dining.

    1x Rewards Point for all other retail spends.

    Travel insurance coverage of up to RM1.7 million.

    Principal card: RM400.

    Supplementary card: RM200.

    Best Islamic Credit Cards

    Maybank Islamic World Mastercard Ikhwan Card-I offers reward points when you use it for local and overseas transactions. The card also comes with travel takaful coverage, airport lounge access, and many other travel-related perks.

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

    Earn 5x TreatsPoints for every RM2 spent locally.

    Takaful coverage of up to RM2 million.

    Principal card: RM800.

    Supplementary card: Waived for the first four cards.

    RM400 will be charged for the fifth card onwards.

    Best No Annual Fee Credit Cards

    AmBank Cosway Gold Mastercard is ideal for those who shop frequently at Cosway stores. This card is free for life for both the principal and the supplementary cardholders, with no conditions attached. You can get travel insurance and also exceed the card’s credit limit. Here are the best cards with no annual fee:

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

    3x Cosway Points for spends at over 850 Cosway stores.

    1 Cosway Point for retail transactions.

    Travel insurance coverage of up to RM1 million.

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    Best Balance Transfer Credit Card

    HSBC Premier World Mastercard offers balance transfer plans from 0% interest p.a. You can also use this card for carrying out retail transactions to earn high rewards. What’s more, the fees for both the principal and supplementary cardholders are waived for life.

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee
    Know More

    The balance transfer rates start from 0% interest p.a. for 6 months.

    10x Reward Points for booking hotel rooms and for dining overseas.

    8x Reward Points for spends at Mid Valley Megamall and the Gardens Mall.

    Complimentary access to Plaza Premium Lounges of participating airports.

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    Best Credit Card For Your Petrol Purchases

    Hong Leong WISE Gold Credit Card offers high cashback when you use it for carrying out transactions in your selected categories. You have the option to choose any two out of ten categories to enjoy cashback. 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

    10% cashback at automated fuel dispensers at all petrol stations

    Switch to another category whenever you want to.

    Principal card: RM250.

    Supplementary card: RM80.

    Best Shopping Credit Card

    Maybank 2 Platinum Cards offers two credit cards – Maybank 2 American Express Card and Maybank 2 Mastercard/Visa Card. Each card offers an array of benefits including rewards for retail purchases and cashback for weekend spends. 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

    5x TreatsPoints for transactions carried on Maybank 2 American Express Card.

    1x TreatsPoint for transactions carried on Maybank 2 Mastercard/Visa Card.

    5% cashback for weekend purchases made using Maybank 2 American Express Card.

    Travel insurance coverage of up to RM1 million.

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    Best Premium Credit Card

    CIMB Visa INFINITE Credit card offers reward points for dining spends and all other transactions. You can use this card to book your flight tickets and get complimentary travel insurance. Moreover, you also get dining and travel deals from participating merchants.

    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

    8x complimentary airport lounge access.

    5x Bonus Points for overseas and dining transactions.

    1x Bonus Points for local transactions.

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    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.

    *Terms & Condition to get Gift Card Worth RM200 from Lazada or Ikea

    Apply for your new credit card through BBazaar and stand a chance to win a gift voucher on approval. You can get a gift card worth RM200 from either Ikea or Lazada. The offer is valid on credit card applications made between 19 December 2018 and 31 January 2019, and applies to any of the following cards.

    Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
    • Alliance Bank You:nique Rebate Credit Card
    • Alliance Bank You:nique Rewards Credit Card
    • Alliance Bank You:nique Rates Credit Card
    • Citi Cash Back Card
    • Citi Clear Card
    • Citi Simplicity+ Card
    • Shell-Citi Credit Card
    • Standard Chartered JustOne Platinum MasterCard
    • Standard Chartered Visa Platinum
    • Standard Chartered Platinum MasterCard Basic

    **Terms & Condition to Win an Ikea Voucher Worth RM500

    Win an Ikea voucher worth RM500 when you apply and get approval for a new credit card through BBazaar. The exclusive deal is valid from 19 December 2018 to 31 January 2019, and is applicable when you apply for any of the following credit cards.

    Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
    • lliance Bank Visa Infinite Credit Card
    • Alliance Bank Platinum Credit Card
    • Citi Prestige Card
    • Citi PremierMiles Visa Card
    • Citi Cash Back Platinum Card
    • Citi Rewards Visa Signature Card
    • Standard Chartered Priority Banking Visa Infinite Credit Card
    • Standard Chartered WorldMiles World MasterCard
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