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  • Best Credit Cards of 2018

    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.

    Here are the Best Credit Cards in Malaysia 2018

    Updated on 16th October 2018

    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
    Best Credit Cards

    Best Cashback Card

    The Standard Chartered JustOne Platinum Mastercard offers cashback of up to 15% on eligible spending categories based on the total monthly spend amount. 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 15% cashback on petrol, online purchases, and auto bill payments

    0.2% cashback for other category expenses

    Principal card: RM250

    Waived for the first year.

    The annual fee for subsequent years can be waived with a minimum spend of RM20,000 p.a.

    Supplementary card: Free for life

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on card renewals and new card sign up.

    Benefits

    Earn up to 15% as cashback on petrol spends, all online purchases, and auto bill payments.

    Earn 0.2% cashback for every RM1 spent on other categories.

    The principal card’s annual fee is waived for the first year.

    The supplementary card’s annual fee is waived for life.

    More About the Card

    How to use it:

    • Charge all your fuel expenses, auto bill payments, online spends, and other retail purchases to your Standard Chartered JustOne Platinum Mastercard Credit Card.
    • The rebate amount you earn every month depends on your total monthly spend and will be credited into your card account.

    Good about It:

    • Get up to 15% cashback on a whole host of eligible retail transactions.
    • Enjoy discounts and offers at over 4,000 partner outlets with Good Life Privileges across Asia.
    • Get access to extra cash during emergencies with the Cheque-On-Call Plus feature.
    • Benefit from convenient and hassle-free payment options with Samsung Pay.

    Keep in Mind:

    • Telco, insurance, and utility bill expenses qualify as auto bill payments.
    • The maximum amount of rebates you can earn in any given month with this card is RM85. This maximum rebate amount is subject to a monthly spend of RM2,500 or more.
    • The annual fee for the first year is RM250. Annual fee for the subsequent years can be waived with a minimum spend of RM20,000 p.a.

    Who Should Get It

    • Those who wish to save on their online shopping expenses, fuel spends, and auto bill payments.
    • Those who wish to be rewarded with a good amount of cashback for every local and overseas retail transaction made with the card.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rebates programme works:

    Spend Category Amount Spent Cashback (%) Cashback Calculation Cashback Earned
    Electricity Bill RM400 15% RM400 x 0.15 = 60 RM60
    Water Bill RM75 15% RM75 x 0.15 = 1.5 RM11.25
    Online Purchases RM950 15% RM950 x 0.15 = 30 RM142.5
    Petrol Transactions RM650 15% RM650 x 0.15 = 40 RM97.5
    Other Retail Transactions RM500 0.2% RM500 x 0.002 = 2 RM1

    Best Credit Card For Frequent Travellers

    The Singapore Airlines KrisFlyer American Express Gold Credit Card is a perfect fit for those who fly in and out of the country regularly. Whether you travel for business or pleasure, this card lets you earn plenty of air miles when you transact with it. The best travel credit cards for 2018 is listed below:

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

    2 KrisFlyer miles for every RM2 spent on air ticket purchase on the Singapore Airlines website

    1 KrisFlyer mile for every RM2 spent elsewhere

    Principal Card: RM250

    Supplementary Card: RM125

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Get 2 KrisFlyer miles for every RM2 spent on air tickets from Singapore Airlines.

    Get 1 KrisFlyer mile for every RM2 spent on all other retail transactions.

    Enjoy 3,000 Bonus KrisFlyer miles when you transact with this card for the first time.

    More About the Card

    How to use it:

    • Charge the entire cost of your flight tickets to the Singapore Airlines KrisFlyer American Express Gold Credit Card along with all other retail purchases.
    • The KrisFlyer miles you’ve earned can be redeemed for subsidised travel and other travel perks with Singapore Airlines.

    Good about It:

    • Get twice the amount of air miles when you spend at least RM60,000 p.a. with this card.
    • Enjoy complimentary access to Plaza Premium Lounges at participating airports, including KLIA, KLIA2, Langkawi International Airport, Senai Johor Airport, Penang International Airport, Kota Kinabalu International Airport, and Kuching International Airport.
    • Get complimentary travel insurance cover of up to RM750,000.

    Keep in Mind:

    • You can earn KrisFlyer miles only when you pay for a flight that departs from Malaysia.

    Who Should Get It

    • Frequent flyers who prefer Singapore Airlines to travel around the world.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s air miles programme works:

    Spending Category Total Amount Spent Rewards Programme KrisFlyer Miles Earned
    Flight ticket booking on Singapore Airlines’ website RM1,345 2 KrisFlyer miles for every RM2 spent 1,345
    Other retail purchases RM1,270 1 KrisFlyer mile for every RM2 spent 635

    To put things into perspective, you’ll earn 1,980 KrisFlyer miles in total with the transactions mentioned above. If the air ticket purchase was the first transaction on this card, you’re eligible to get an additional 3,000 Bonus KrisFlyer miles.

    Best Credit Card For Dining

    The UOB YOLO Credit Card offers up to 8% cashback on all your dining expenses, whether it’s catering services or a restaurant. The amount of rebate you get is based on the number of transactions you make with this card in a month. Listed below are top best dining card in Malaysia.

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

    Up to 8% cashback on dining purchases

    Provision to switch cashback categories as per your requirements

    Principal card: RM90

    Waived for the first year

    The annual fee for subsequent years can be waived if you make at least 1 transaction every month

    Supplementary card: RM30

    Waived for the first two years

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Get up to 8% cash rebates on dining expenses, online purchases, and other retail spends.

    The principal card’s annual fee is waived for the first year.

    Transact at least once every month with this card for a waiver on the annual fee.

    More About the Card

    How to use it:

    • Charge all your lifestyle expenses, including shopping, health, dining, and travel spends to this card.
    • Enjoy exclusive offers and discounts at partnering merchant outlets.
    • Enjoy zero interest charges when you transact overseas with easy repayments.

    Good about It:

    • The supplementary card’s annual fee is waived for the first two years.
    • A contactless payment facility is available with this card for ease of use and convenience.

    Keep in Mind:

    • Early settlement of the balance transfer amount will attract a penalty of RM100.

    Who Should Get It

    • Those who dine out frequently and are looking to decrease their overall dining expenses.
    • Those who wish to save on all their retail transactions.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rewards programme works:

    Total Number of Transactions Made in a Calendar Month Eligible Cashback Rate (%) Monthly Cashback Cap
    8 – 15 5% RM50
    16 or above 8%

    Best Credit Card To Earn Reward Points

    The Standard Chartered Visa Platinum Credit Card is just what you need if you’re looking to earn plenty of reward points on all your retail expenses. You even get bonus points every month based on your total spending. 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

    5x Rewards Points on departmental store purchases, dining spends, and overseas transactions

    1x Rewards Points on all other local retail spends made with this card

    Free for life

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Get 5,000 bonus points when you spend RM1,500 or more in a month with this card.

    Get 5x rewards points on departmental store transactions, dining spends, and overseas expenses.

    Earn 1x points on all other local retail spends.

    More About the Card

    How to use it:

    • Charge all daily necessities, such as groceries, departmental store expenses, and other retail purchases to this card for maximum reward points.
    • You can even charge overseas purchases and dining spends to this card.

    Good about It:

    • The annual fee for this credit card is waived for life.
    • Get 5,000 bonus points and up to 5x rewards points on eligible retail spends.

    Keep in Mind:

    • The minimum income requirement for this card is RM24,000 p.a.
    • You will need to spend at least RM1,500 per month to be eligible for the 5,000 bonus points.

    Who Should Get It

    • Those who wish to save on their daily retail spends made at departmental stores.
    • Those who wish to save on dining, overseas, and other local retail spends.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Take a look at the table below to know how you can earn maximum reward points every month with your Standard Chartered Visa Platinum Credit Card:

    Spending Category Percentage of Spending Reward Points Reward Points Spends of RM1,500 or more per month Spends of RM2,000 or more per month
          Amount Number of Points Amount Number of Points
    Dining 15% 5x RM225 1,125 RM300 1,500
    Departmental stores 45% 5x RM675 3,375 RM900 4,500
    Overseas 15% 5x RM225 1,125 RM300 1,500
    Petrol, groceries, pharmacy, and other spends 25% 1x RM375 375 RM500 500
    Total 100%   RM1,500 6,000 RM2,000 8000

    Best Islamic Credit Cards

    Based on the Shariah principle of Ujrah, the BSN Mastercard Platinum Credit Card-i helps you get good value on all your retail expenses. From local retail spends to overseas transactions, you can earn up to 2x reward points. The table below contains the best Islamic credit cards in Malaysia for 2018:

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

    Low profit rate from 11% p.a.

    2x Happy Points on dining, golf, travel, overseas expenses made at selected merchant outlets

    Free for life

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    The annual fee for the principal and the supplementary card is waived for life.

    Get 2x Reward Points on eligible dining, golf, travel, and overseas spends.

    Enjoy attractive balance transfer rates going as low as 0% p.a.

    More About the Card

    How to use it:

    • Charge all your local and overseas retail expenses to the BSN Mastercard Platinum Credit Card-i to earn rewards.
    • Earn the requisite number of Happy Points with each eligible retail transaction.
    • Happy Points can be redeemed for air miles of participating frequent flyer programmes, lifestyle products, and gift vouchers on the rewards catalogue.

    Good about It:

    • Benefit from having an annual management fee that can go as low as 11% p.a.
    • Get a complimentary BSN Zing PLUSMiles card with an auto-reload feature that’s linked to your BSN credit card.

    Keep in Mind:

    • Eligible local retail spends will only get you 1x Happy Points.
    • ATM withdrawals made with this card will attract a fee of RM12.75 per transaction or 2.69% of the cash advance amount, whichever is higher.

    Who Should Get It

    • Those who wish to be rewarded for all their retail expenses – local and overseas.
    • Those who need a Shariah-compliant rewards credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rewards programme works:

    Spending Category Total Monthly Expenses Eligible Rewards Total Reward Points Earned
    Local RM560 1x 560
    Dining RM450 2x 900
    Golf RM1,050 2x 2100
    Travel package RM3,800 2x 7600
    Overseas RM640 2x 1280

    Considering your monthly spend is RM6,500—a combination of local and overseas expenses—you can earn as much as 12440 Happy Points that can be redeemed later for a host of travel perks, lifestyle products, and gift vouchers.

    Best No Annual Fee Credit Cards

    No matter what retail expenses you’re charging to the Alliance Bank You:nique Rebates Card, it offers an attractive cashback rate on all your spends. That’s not all; there’s no limit on the amount of cashback you can earn. Here are the best cards with no annual fee:

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

    Up to 3% unlimited cashback on all retail spends

    Zero restrictions on what, where, and when you can spend

    Principal card: RM148

    Waived for the first three years

    The annual fee for subsequent years can be waived with a minimum spend of RM5000 p.a. or if you make at least 12 transaction in a year

    Supplementary card: RM30

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Earn up to 3% cashback every month on all your retail spends, including groceries and petrol.

    Cash rebates can be earned without any restrictions on petrol, groceries, or specific merchants.

    For spends between RM1,001 - RM2,000, the cashback rate is capped at 1.5%.

    For spends of up to RM1,000, the cashback rate is capped at 0.5%.

    Cashback rate for monthly retail expenses above RM3,000 will drop to 0.3%.

    More About the Card

    How to use it:

    • Charge all your local and overseas retail expenses to the Alliance Bank You:nique Rebates Card. Enjoy low finance charges if you make prompt payments.

    Good about It:

    • The card’s annual fee is waived for the first 3 years.
    • This credit card can be personalised with a picture of your choice.
    • Earn cashback on all eligible retail spends.

    Keep in Mind:

    • The annual fee for the subsequent years can be waived with a minimum spend of RM5,000 p.a. or if you transact with this card at least 12 times over a 12-month period.
    • 3% cashback is subject to a minimum monthly retail spend of RM2,001 - RM3,000.

    Who Should Get It

    • Those who wish to save on all their retail expenses by earning rebates.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rewards programme works:

    Spending Period Total Monthly Expenses Eligible Monthly Rebate Rate Total Cashback Earned
    January RM780 0.50% RM3.9
    February RM1,650 1.50% RM24.75
    March RM2,959 3.00% RM88.77
    April RM3,671 0.30% RM11.01
    Total spend for 4 months RM9,060 - RM128.43

    As you can see, there’s plenty of earning potential with this card as long as you limit your total monthly spending to RM3,000. The fact that you can earn unlimited rebates only adds to the numerous other advantages of using this rebates card.

    By charging most of your monthly spends to this card, you’ll even be able to fulfil the annual-fee waiver condition—a minimum of RM5000 p.a.—with relative ease.

    Best Balance Transfer Credit Cards

    Through balance transfer facility, you can consolidate your outstanding credit balances accumulated on other bank credit cards onto one card that offers you lower interest rates. The best cards with balance transfer facility are listed below:

    Cards
    Key Benefits
    Additional Benefits
    Annual Fee
    Know More

    1 AmBonus Point for every RM1 spent locally

    Complimentary travel insurance coverage of up to RM1 million

    Free for life

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Earn 2x AmBonus Points for every RM1 spent overseas.

    Earn 1x AmBonus Points for every RM1 spent locally.

    Benefit from exclusive dining discounts and privileges with this card.

    Convert large retail purchases made at participating merchant outlets into affordable monthly instalment plans.

    Online purchases made with your card are protected to the tune of USD200 with the E-Commerce purchase protection feature.

    The On-the-Spot Redemption feature of this card lets you redeem your AmBonus Points for products at partnering merchants, such as ESH, Cosway, MYDIN, Sen Heng, SenQ, and Courts among others.

    More About the Card

    How to use it:

    • Earn AmBonus Points each time you use your AmBank Platinum Mastercard for any eligible retail transaction.
    • The AmBonus Points you’ve earned can be redeemed for a wide range of lifestyle products, gift vouchers, and air miles from participating frequent flyer programmes.

    Good about It:

    • New AmBank credit cardholders can benefit from zero-interest balance transfer plans.
    • Enjoy exclusive access to a host of wealth management services
    • Take advantage of 24/7 Mastercard Concierge Services for timely assistance.

    Keep in Mind:

    • Petrol spends, government agency transactions, and charity payments will not be eligible for AmBonus Points.
    • The minimum income requirement for this card is RM48,000 p.a.

    Who Should Get It

    • Those who wish to get rid of their old credit card debt with a low-interest balance transfer plan.
    • Those who wish to save on their local and overseas retail expenses.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s balance transfer programme works:

    Plan Repayment Period Minimum Transfer Amount Maximum Transfer Amount Applicable Interest Rate
    A 12 months RM4,000 RM30,000 0% p.a.
    B 12 months RM1,000 Up to credit limit 4.88% p.a.
    B 24 months RM1,000 Up to credit limit 4.88% p.a.
    B 36 months RM1,000 Up to credit limit 4.88% p.a.

    New cardholders can choose Plan A – 0% p.a. The minimum balance transfer amount for this plan is RM4,000 and you’ll get a flexible repayment period of 12 months.

    Plan Tenure Interest Rate Transfer Amount Normal Interest Rate Balance Transfer Rate
    B 12 months 4.88% p.a. RM8,000 15% p.a. RM390.4

    If you’re an existing cardholder, you can opt for Plan B. Let’s assume your transfer amount is RM12,000, the total annual interest at 4.88% will be RM585.6. When compared to the regular interest rate—15% p.a.—your charges will be RM1,800. So, opting for the balance transfer plan with this credit card can help you save RM1,214.4 on interest charges – a substantial amount!

    Best Credit Card For Your Petrol Purchases

    The UOB One Platinum Credit Card offers cash rebates of up to 5% on your petrol spends made on weekends and weekdays. 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 5% cash rebate on petrol spends during weekends

    1% cash rebate on petrol purchases on weekdays

    Principal Card: RM168

    Supplementary Card: RM30

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Earn 1% cashback on weekday fuel spends and 5% cashback on weekend fuel spends at all petrol stations.

    Earn 2% cashback on weekdays and 8% cashback on weekends at Golden Screen Cinemas.

    Earn 1% cashback on weekdays and 2% cashback on weekends when you transact at participating grocery stores and telecommunication providers.

    Earn 0.2% unlimited cashback on all other retail spends.

    Get SMART$ Rebates when you transact at partnering merchant outlets.

    More About the Card

    How to use it:

    • Charge all your fuel, grocery, and entertainment spends to this card to earn maximum rebates.
    • Shop at selected SMART$ merchant outlets and earn SMART$ Rebates, where 1SMART$ Rebates = RM1.
    • The cashback you earn every month is automatically credited into your card account.

    Good about It:

    • Cashback for movie ticket spends isn’t subject to a maximum spending limit.
    • Enjoy rebates on petrol, movies, grocery spends, and other retail expenses.
    • This card requires you to have a minimum annual income of RM48,000 p.a.

    Keep in Mind:

    • Cashback on petrol spends is subject to a maximum spend amount of RM500 per month.
    • Cashback on grocery purchases and mobile bill payments is subject to a maximum spend amount of RM1,500 per month and RM300 per month, respectively.
    • Government transactions and utility bill payments aren’t eligible for cashback.

    Who Should Get It

    • Those who wish to save on their petrol and grocery expenses.
    • Those who love getting their movie fix at GSC.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rebates programme works:

    Spending Category Monthly Spend Cashback Earned Total Cashback Amount
    Petrol on weekends RM450 RM22.5 RM67.1
    Petrol on weekdays RM100 RM1
    Movie ticket purchases on weekends RM300 RM24
    Grocery spends on weekends RM850 RM17
    Other retail expenses on weekends RM1,300 RM2.6

    If your total monthly expenses amount to RM3,000 where you’ve spent RM550 on petrol purchases, your rebate on petrol will be RM22.5 and your total monthly cashback will be RM67.1.

    The cashback you earn with this card will be automatically credited to your card account and can be used to offset your outstanding balance.

    Best Shopping Credit Cards

    Maybank 2 Platinum Cards let you enjoy the best of two different cards – the Maybank 2 American Express Platinum Credit Card and the Maybank 2 Mastercard/Visa Platinum Card. This card offers rewards points on all domestic and overseas retail purchases. You can also get cashback for weekend shopping purchases. 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 on domestic and overseas retail purchases

    5% cashback on weekend retail purchases

    Free for life

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Get 5x TreatsPoints for every RM1 spent on domestic and overseas purchases with the American Express card.

    Get 1x TreatsPoints for every RM1 spent on domestic and overseas purchases with the Visa/Mastercard.

    Earn 5% cash rebates on weekend retail spends with the American Express card.

    More About the Card

    How to use it:

    • Charge all major retail spends made during weekends to the American Express card
    • Charge all other retail expenses to the Visa/Mastercard.

    Good about It:

    • Cash rebates for retail purchases made on weekends.
    • The card is free for life.
    • Domestic and overseas shopping transactions help you get maximum rewards.

    Keep in Mind:

    • Cash rebate on weekend spends is limited to RM50 per month.
    • The minimum income requirement for this card is RM60,000 p.a.

    Who Should Get It

    • Those who indulge in retail therapy in Malaysia and overseas.
    • Those who wish to save big on their shopping expenses.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rewards programme works:

    Name of the Card Spending Category Total Amount Spent Eligible Rewards Programme Rewards Earned
    Maybank 2 American Express Platinum Credit Card Retail shopping RM1,750 5x TreatsPoints 8750 TreatsPoints
    Retail spends on weekends RM1,500 5% rebate capped at RM50 RM50
    Maybank 2 Mastercard/Visa Platinum Card Overseas retail shopping RM1,100 1x TreatsPoints 1100 TreatsPoints

    To put things into perspective, the Maybank 2 American Express Platinum Card lets you earn 5x TreatsPoints on all retail expenses and petrol spends that are below RM500. The amount of rebate you can earn on weekends is limited to RM50.

    So, even if the calculated weekend rebate amounts to RM75, you will only get RM50 as cashback.

    Best Premium Credit Cards

    Besides providing you with reward points that just don’t expire, the Alliance Bank Visa Infinite Credit Card also offers a great air mile conversion rate. You also get plenty of travel perks, including airport lounge access and travel insurance.

    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

    5x Timeless Bonus Points for overseas retail purchases

    2x Timeless Bonus Points for local retail purchases

    Principal card: RM800

    Supplementary card: Free for life

    Waived with a minimum spend of RM30,000 p.a.

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Benefits

    Get 5x Timeless Bonus Points for every RM1 spent overseas.

    Get 2x Timeless Bonus Points for every RM1 spent locally.

    Get 6x visits to selected VIP airport lounges across the world during the first year.

    Get unlimited access to VIP Lounges when you spend at least RM300,000 p.a.

    Get complimentary travel insurance cover of up to RM2 million.

    Get complimentary unlimited access to the Plaza Premium Lounge in KLIA.

    Get 20% off at Plaza Premium Lounges around the world.

    More About the Card

    How to use it:

    • Use this credit card to pay for any kind of local or overseas retail purchase.
    • Redeem Timeless Bonus Points for air miles of participating frequent flyer programmes, including Enrich and AirAsia BIG.

    Good about It:

    • The Timeless Bonus Points you earn with this card never expire.

    Keep in Mind:

    • The annual income requirement for this card is RM150,000.
    • Petrol and government agency transactions aren’t eligible for Timeless Bonus Points.

    Who Should Get It

    • Those who are on the move constantly and need a card with plenty of travel perks.

    You can also learn more about the other features and benefits of this credit card.

    Illustration

    Here’s an illustrative example to give you an idea of how this card’s rewards programme works:

    Spending Category Total Amount Spent Rewards Eligibility Timeless Bonus Points Earned
    Dining RM650 2 TBP 1,300 TBP
    Overseas RM1,000 5 TBP 5,000 TBP
    Shopping RM500 2 TBP 1,000 TBP
    Other retail spends RM200 2 TBP 400 TBP

    Conclusion

    These are some of the top credit cards in Malaysia pertaining to various categories. Figure out your requirements, and choose any of these cards to obtain maximum benefits on the category that you spend the most for. Also, utilise other features and privileges offered on the card to manage your finances in a better manner.

    How to Choose the Best Credit Card

    There are a number of credit cards available that help you with everyday purchases. You can find the perfect card for you by filtering the choices available on the basis of your lifestyle requirements. Choose your card based on the categories that you need a card for on an everyday basis. You can further filter the choices by taking a look at the fees and charges associated with the cards. Make sure that you read all the terms and conditions related to your card before opting for one.

    If you are interested in checking the best cards for each specific category, check out all credit cards to compare and choose the right one.  

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