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  • Best credit cards for Income Groups of 2019

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    If you want to get a new credit card, but are not sure which one is the best match according to your annual income, you will find this list helpful. To help you with your search, we have put together a few of the best cards for different income groups in Malaysia.

    Here are the Best credit cards for Different Income Groups in Malaysia 2018

    Updated on 30th October 2018

    Earn between Best 1 Best 2
    RM24,000 to RM36,000 p.a. Citi Simplicity+ Credit Card Maybank American Express Cash Back Gold Credit Card
    RM40,000 to RM60,000 p.a. Hong Leong WISE Platinum Visa Credit Card UOB Preferred Platinum Credit Card
    RM70,000 to RM100,000 Standard Chartered WorldMiles Mastercard Credit Card HSBC Visa Signature Credit Card

    Best Credit Cards for those Who Earn Between RM24,000 to RM36,000 p.a.

    Citi Simplicity+ Credit Card

    This cash back credit card from Citibank offers unlimited 10% rebate on finance charge every month. With no late payment charge, annual fee or over-limit fee, you will be able to save on the cost of owning a credit card.

    Features and Benefits of this Card

    • Uncapped 10% interest back when you pay the minimum outstanding amount on or before the due date.
    • Rebate is applicable on all purchases and cash advances.
    • Exclusive privileges at participating outlets.
    Minimum Income Requirement RM24,000 p.a.
    Annual Fee Waived for life.
    Late Payment Fee Waived for life.

    Maybank American Express Cash Back Gold Credit Card

    A cashback and privileges card from Maybank, the American Express Cash Back Gold Credit Card offers rebate when you spend on local and overseas purchases. Save with every swipe as there is no limit on the cashback you can earn.

    Features and Benefits of this Card

    • Enjoy 1% cashback on local purchases.
    • Get 1.5% cash rebate on overseas transactions.
    • Discount of 50% for 2 diners at SPG Hotels & Resorts
    • Get 40% off your food bill when you at SPG Hotels & Resorts in a group of 3 to 10 diners.
    Minimum Income Requirement RM30,000 p.a.
    Annual Fee

    Waived for first year for principal and 2 supplementary cards.

    Subsequent years:

    Principal card – RM70.

    Supplementary card – RM45.

    Late Payment Fee 1% of the total amount due or RM10, whichever is higher.

    BSN Gold Credit Card

    Enjoy rewards and benefits when you shop, dine, travel, and make retail purchases with the BSN Gold Credit Card. The card also allows you to transfer outstanding amount from other cards at a low interest rate.

    Features and Benefits of this Card

    • Finance charge of 11% p.a. for government employees and 13.5% p.a. for those who work in the private sector.
    • Enjoy discounts and toll rebates with the complimentary Touch ‘n Go auto-reload card.
    • Earn 1x Happy Points on local retail transactions and 2x Happy Point on overseas retail transactions.
    • You can redeem your reward points for a range of gifts, Enrich Miles, and lifestyle privileges.
    • Free automatic travel insurance of up to RM500,000.
    • Convert your purchases into 0% instalments with the BSN Instalment-Pay Plan.
    Minimum Income Requirement RM36,000 p.a.
    Annual Fee Waived for life without any conditions.
    Late Payment Fee Minimum of RM10 or 1% of total amount due, whichever is higher.

    Best Credit Cards for those Who Earn Between RM40,000 to RM60,000 p.a.

    Hong Leong WISE Platinum Visa Credit Card

    The Hong Leong WISE Platinum Visa Credit Card offers cashback on your chosen categories. Choose categories according to your spending pattern and enjoy rebates up to RM100 per month

    Features and Benefits of this Card

    • Spend a minimum of RM2,000 on retail purchases and get up to 10% cashback on categories of your choice.
    • You can switch your categories to match your spending pattern.
    • Earn up to RM100 as rebate.
    Minimum Income Requirement RM60,000 p.a.
    Annual Fee

    Principal card – RM300.

    Supplementary card – RM150.

    Late Payment Fee

    Minimum of RM10 or 1% of total amount due, whichever is higher.

    UOB Preferred Platinum Credit Card

    This card offers rewards when you use it to pay your utility bills, shop online, or dine at selected restaurants. Enjoy surprise gifts from UOB Preferred Platinum Credit Card throughout your birthday month.

    Features and Benefits of this Card

    • Enjoy up to 10% cashback when you pay your utility bills, dine out and travel with this card.
    • Get complimentary 14-day membership at Celebrity Fitness during your birthday month.
    • Spend at least RM3,000 in overseas transactions and pay for the purchase in 3 instalments at 0% interest.
    • Earn UOBM SMART$ rewards on purchases at selected outlets.
    Minimum Income Requirement RM40,000 p.a.
    Annual Fee

    Principal card – RM198.

    Supplementary card – RM30.

    Late Payment Fee

    None

    Alliance Platinum Credit Card

    Earn up to 3x Timeless Bonus Points (TBP) on every transaction. This card also offers exclusive discounts at participating merchant outlets.

    Features and Benefits of this Card

    • Earn 3x TBP on every RM1 spent on overseas retail purchases.
    • Get 2x TBP on every RM1 spent on local grocery, petrol, and utility transactions.
    • Earn 1x TBP on every RM1 spend on all other domestic retail purchases.
    • Redeem your Timeless Bonus Points for travel miles.
    • Enjoy unlimited complimentary access to KLIA Plaza Premium Lounge.
    Minimum Income Requirement RM60,000 p.a.
    Annual Fee

    Annual fee waived off on a minimum spend of RM5,000 or at least 12 transactions charged to your card within 12 months.

    Late Payment Fee

    Minimum of RM10 or 1% of total amount due, whichever is higher. Maximum late payment fee is RM100.

    Best Credit Cards for those Who Earn Between RM70,000 to RM100,000

    Standard Chartered WorldMiles Mastercard Credit Card

    Earn air miles, merchant discounts, and more with the Standard Chartered WorldMiles Mastercard Credit Card. This card is designed to make your international travel convenient.

    Features and Benefits of this Card

    • Earn 3 WorldMiles for every RM2 overseas spend.
    • Get 1 WorldMiles for every RM3 spent on local purchases.
    • Redeem your WorldMiles for Air Miles and travel at a discounted price.
    • Unlimited access to Plaza Premium Lounge.
    • Get cashback on airport transfers.
    • Enjoy discounts at outlets across the world.
    Minimum Income Requirement RM90,000 p.a.
    Annual Fee Fee for the first year is waived off. You can waive off the annual fee for subsequent years by spending a minimum of RM60,000 per year.
    Late Payment Fee Minimum of RM10 or 1% of total amount due, whichever is higher.

    HSBC Visa Signature Credit Card

    Earn reward points on every transaction with the HSBC Visa Signature Credit Card. You can also transfer the outstanding balance on other cards to this one at 0% interest rate for 6 months.

    Features and Benefits of this Card

    • Earn 8x reward points on overseas spends and online transactions in foreign currency.
    • Get 5x reward points when you use your card to spend at local participating malls and online transactions.
    • Enjoy complimentary access to Plaza Premium Lounge.
    • Travel safe with complimentary Worldwide Travel Coverage of up to RM750,000.
    Minimum Income Requirement RM72,000 p.a.
    Annual Fee

    Primary card – RM600.

    Supplementary card – RM300.

    Late Payment Fee

    Minimum of RM10 or 1% of total outstanding amount due, whichever is higher.

    CIMB Enrich World Mastercard Credit Card

    Earn reward points for local and overseas transactions with this card. You also get complimentary access to golf courses across Malaysia and priority booking with Malaysian Airlines.

    Features and Benefits of this Card

    • Get 1 Bonus Point for every RM1.50 spent overseas.
    • Earn 1 Bonus Point for every RM3 you spend on local purchases.
    • You can redeem 1,000 Bonus Points for 1,000 Enrich Miles.
    • Get up to 8 access vouchers to Malaysian Airlines Golden Lounge.
    • Enjoy priority booking on selected Malaysian Airlines flights.
    Minimum Income Requirement RM100,000.
    Annual Fee

    Principal card – RM554.72.

    Supplementary card – waived.

    • Spend RM500,000 and above to waive off the annual fee on your card.
    • Spend between RM250,000 to RM499,999 for a 50% waiver on your annual fee.
    Late Payment Fee Minimum of RM10 or 1% of the total outstanding amount, whichever is higher.

    Best Credit Cards for those Who Earn RM100,000 and above per year

    RHB Visa Infinite Credit Card

    Make the most out of your international trips with the RHB Visa Infinite Credit Card. Earn reward points on overseas transactions and get complimentary access to airport lounges with this card.

    Features and Benefits of this Card

    • Earn up to 5x reward points on all overseas transactions.
    • Get 1x reward points on local purchases.
    • Enjoy complimentary access to lounges in Malaysia and Singapore Changi Airport.
    • Get a discount of 20% at Plaza Premium Lounges at selected airports across the world.
    • Travel safe with travel insurance coverage up to RM2,000,000.
    • Complimentary tee off at golf courses across Malaysia.
    Minimum Income Requirement RM150,000.
    Annual Fee Annual fee for both primary and supplementary cards waived for life.
    Late Payment Fee 1% of the outstanding balance or RM10, whichever is higher.

    Maybank Islamic World Mastercard Ikhwan Credit Card

    Use your Maybank Islamic World Mastercard Ikhwan Credit Card to make local and overseas purchases and earn Treats Points. You can redeem your points for Enrich Miles.

    Features and Benefits of this Card

    • Earn 5 Treats Points for every RM2 spent locally.
    • Get 5 Treats Points for every RM1 you spend overseas.
    • Earn 10,000 Treats Points when you make the first transaction using this card.
    • You can earn 1 Treats Point on utilities, education, and petrol.
    • Dining privileges at SPG Hotels & Resorts in Malaysia.
    • Complimentary travel takaful coverage of up to RM2 million.
    Minimum Income Requirement RM100,000.
    Annual Fee

    Principal card - waived for first year.

    Spend a minimum of RM 50,000 per year to earn a waiver for subsequent years.

    Supplementary card - annual fee waived for up to 4 cards.

    RM400 for the 5th supplementary card.

    Late Payment Fee Minimum of RM10 or 1% of the total outstanding amount, whichever is higher.

    Citi Prestige Mastercard World Elite Credit Card

    Enjoy fee stays at hotels, tickets to movie and complimentary access to airport lounges with the Citi Prestige Credit Card.

    Features and Benefits of this Card

    • Get a complimentary ride home from KLIA.
    • Enjoy unlimited global lounge access.
    • Access to Citi Prestige Concierge service.
    • Get 1-for-1 GSC Gold Class tickets.
    • Earn relationship bonus points.
    • International travel, medical and hospitalisation cover for principal and supplementary cardholders.  
    • Earn up to 40% more bonus points on categories selected by you.
    Minimum Income Requirement RM200,000.
    Annual Fee

    Principal card - RM1,000.

    Supplementary card - waived for life.

    Late Payment Fee Not given.

    These are some of the best cards for each of the income groups mentioned above. You can also compare other benefits of each of these cards and more to narrow down your choice.

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