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  • Best Credit Cards of 2018

    Malaysia is gradually moving towards becoming a cashless society. In such times, credit cards are considered as handy tool to go cashless. Moreover, it offers you various benefits on different categories such as shopping, dining, traveling, petrol, etc. There are exclusive cards available for these categories that offer reward points, cashback, and other benefits on them.

    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 12th September 2018

    Best for Best Pick 1 Best Pick 2
    Cashback Citi Cash Back Platinum Credit Card Standard Chartered Justone Platinum MasterCard
    Travel Maybank 2 Cards Premier HSBC Premier Travel Card
    Dining Mach Credit Card Hong Leong WISE Platinum Card
    Rewards Alliance Bank Visa Infinite Card Citi Rewards Platinum Visa Signature/World Mastercard
    Islamic AFFIN ISLAMIC World Mastercard Credit Card HSBC Amanah MPower Visa Platinum Credit Card-i
    No Annual Fee PB-Petron Visa Gold Credit Card Citi Simplicity+ Card
    Balance Transfer Alliance Classic Card RHB Smart Move Balance Transfer
    Petrol UOB One Platinum Credit Card PETRONAS Maybank Visa Credit Card
    Shopping AmBank Visa Signature Credit Card Alliance You:Nique Card
    Premium Citi Prestige Card Maybank World Mastercard Credit Card
    Best Credit Cards

    Best Cashback Credit Card

    A cashback credit card offers you cashback on your online or offline purchases. Each bank offers a different amount of cashback on its credit cards. 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

    Waived for the first year Subsequent years, Principal card: RM250 (will be waived on a minimum spend of RM20,000 in a year) Supplementary card: Waived

    Benefits

    Enjoy more than RM1,000 cashback in a year on your petrol, online purchases, and auto bill payments.

    Get 0.2% cashback on all other credit card expenses.

    Get an annual fee waiver for the first year. Moreover, supplementary card annual fee is waived for lifetime.

    More About the Card

    How to use it:

    • Use this card for your online shopping, petrol purchases, and auto bill payments to earn more cashback.
    • Get a different amount of cashback credited into your account based on the amount you have spent.

    Good about It:

    • Cashback of up to 15% depending on the category and your spent amount.
    • Exclusive offers and discounts at more than 4,000 participating merchants in Malaysia.
    • Get extra cash from your card amount at a lower interest rate with Standard Chartered Cheque-on-Call Plus.
    • Low annual income requirement of RM24,000.

    Keep in Mind:

    • 15% cashback on selected categories come with a cap of RM85 per month.
    • You need to spend a minimum of RM2,500 in a month to earn 15% cashback.

    Who Should Get It

    • Those who spend regularly on online shopping and fuel purchases.

    Standard Chartered JustOne Platinum Mastercard offers you a cashback of up to 15% depending on the category you are spending on. The card offers you cashback as per the amount you have spent on that category. You can also save the annual fee on the card if you meet the set requirements.

    Best Credit Card For Frequent Travellers

    A travel credit card offers you privileges and benefits on your travels, both nationwide as well as overseas. The best travel credit cards for 2018 is listed below:

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

    1.1 Air Miles per RM1 spent overseas

    Complimentary access to 850 airport lounges across the globe

    Waived for the first year For subsequent years, RM600 (waived on a minimum spend of RM45,000 in a year)

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

    Benefits

    On each RM1 you spend overseas, you will earn 1.1 Air Miles.

    Enjoy up to 10% and 7% discount at hotel room bookings via Expedia and Agoda, respectively.

    Access 1 million Wi-Fi hotspots across the world.

    Discounts on hotel room accommodations.

    More About the Card

    How to use it:

    • Use your earned Enrich Miles to get a discount on travelling with Malaysia Airlines.
    • Use this card for your overseas retail purchases.

    Good about It:

    • 24-hour assistance around the world.
    • Enrich Miles are offered on each transaction.

    Keep in Mind:

    • You can get a free airport lounge access for a maximum of 12 times in a year.
    • The card is available only for HSBC Premier account holders who have a minimum of RM200,000 in total relationship with the bank.

    Who Should Get It

    • Those who travel frequently.
    • Those who travel with Malaysia Airlines.

    HSBC Premier Travel Card offers you airport lounge accesses and 24/7 assistance when you are travelling. You can also enjoy accommodation benefits on your hotel bookings with the card. However, this card is limited to HSBC Premier account holders.

    Best Credit Card For Dining

    A dining credit card offers you discounts and privileges on your dining related purchases. Listed below are top best dining card in Malaysia.

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

    10% cashback on your chosen categories

    Provision to switch cashback categories as per your requirements

    Principal card: RM300

    Supplementary card: RM150

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

    Benefits

    Enjoy 10% cashback throughout the year dining when it is your chosen category.

    Choose new category to earn cashback as per your requirements.

    Get up to RM100 cashback on your chosen categories in a month.

    Also pay your bills for pharmacy, mobile, groceries, petrol, entertainment, travel, etc. using the card at participating merchants to earn cashback.

    More About the Card

    How to use it:

    • Choose your preferred category as dining to earn maximum cashback.

    Good about It:

    • You can switch the cashback categories as per your choice at any point of time.

    Keep in Mind:

    • To receive the cashback, transactions of a minimum RM2,000 are required to make in a calendar month.
    • You need to have an annual income of RM60,000.

    Who Should Get It

    • Those who dine-out frequently.

    Dining out can be expensive but with the right card in your hand, you can also earn benefits on your food bills. Hong Leong WISE Platinum Card also offers you cashback benefits on various categories. Therefore, choose your category wisely to earn more benefits on your card.

    Best Credit Card To Earn Reward Points

    A reward credit card offers you reward points on your purchases made against the card. You can collect these reward points and redeem them to get git articles, vouchers, or other discounts. 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 daily expenses

    5x Rewards Points on overseas expenses

    RM100 per annum per Rewards category

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

    Benefits

    Enjoy 5x Citi Rewards points on each RM1 spent locally at participating depart on your local purchases.

    Earn 5x Citi Rewards Points on overseas retail transactions.

    Get complimentary Plaza Premium Lounge access at Kuala Lumpur International Airport.

    Get a free travel insurance worth RM50,000.

    More About the Card

    How to use it:

    • Use this card at KLIA to get the lounge access.
    • Use this card at participating merchants to earn more Citi Rewards Points.
    • Redeem your earned Citi Rewards Points on the card for gift vouchers and lifestyle products.

    Good about It:

    • The points earned do not expire.
    • VIP privileges at luxury hotels.
    • Golf privileges at selected golf courses.

    Keep in Mind:

    • You need to have a minimum income of RM90,000 p.a. for World Mastercard and RM60,000 p.a. for Visa Signature.
    • Fees paid for educational institutes, government-related payments, petrol purchases, and charity-related payments, will not earn you any Citi Reward Points.

    Who Should Get It

    • Those who travel often and like to shop overseas.

    Earn rewards points as you shop both locally and overseas with the Citi Rewards Platinum Visa Signature/World Mastercard and save more on your purchases.

    Best Islamic Credit Cards

    An Islamic credit card is a Shariah-compliant and Riba-free credit card offered by banks which like conventional credit cards, offer rebates, cashback, and 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 12% p.a.

    Complimentary Flight and Travel Personal Accident Takaful worth RM1 million

    Waived for the first year For subsequent years, Principal card: RM500

    Supplementary card: RM400 (waived if made 12 retail transactions in a year)

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

    Benefits

    Earn 1 AFFIN Rewards Point for every RM1 spent on retail purchases.

    Redeem your earned AFFIN Rewards Points for various gift articles.

    Enjoy a Personal Accident Takaful cover of RM100,000.

    Get 4 complimentary LoungeKeyTM lounge access in a year at more than 850 airports worldwide.

    More About the Card

    How to use it:

    • Use the card to pay for your flight tickets to get the travel and accident covers.
    • Use the card to get a competitive Easy Payment Plan (EPP).

    Good about It:

    • RM1,000 as a complimentary Funeral Expenses Takaful Coverage.
    • Unlimited cashback with all other categories.Get an annual fee waiver for the first year.

    Keep in Mind:

    • Airport lounge privileges are offered only to principal cardholders.
    • 12% profit rate is offered only if you’ve paid the minimum applicable payment on or before your due date.

    Who Should Get It

    • Those who travel frequently.
    • Those who are looking for a Shariah-compliant credit card.

    If you are looking for an Islamic credit card that offers various benefits such as takaful cover, annual fee waiver, and low profit rates, you can consider this credit card.

    Best No Annual Fee Credit Cards

    A No Annual Fee credit card means you do not have to pay any annual fees/charges to maintain the credit card. Here are the best cards with no annual fee:

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

    Up to 5% cash rebate on all purchases at Petron Service Stations

    Complementary personal accident insurance cover of RM20,000

    Waived for life

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

    Benefits

    Enjoy up to 5% cash rebate on your purchases at Petron service stations for all fuel and other expenses.

    Get an unlimited Cash MegaBonus of 0.1% for each RM1 spent on retail purchases and other expenses.

    More About the Card

    How to use it:

    • Use this card at Petron service stations to get cash rebate on all your fuel and other purchases.

    Good about It:

    • 24/7 available Help Desk facility.
    • Open a current account with the bank without any introducer.
    • Access PBe Services from anywhere across the world.

    Keep in Mind:

    • The cash rebate at Petron stores is capped at RM50 per month.
    • You need to spend more than RM800 to earn the cash rebate of 5%.

    Who Should Get It

    • Those who spend frequently on petrol purchases.

    You can consider this card by Public Bank if you are looking for a credit card that comes without any annual fee. The card also lets you earn cash rebate on your purchases.

    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

    Enjoy a balance transfer rate starting from 0% p.a.

    1 Timeless Bonus Points (TBP) on every RM1 you spend on retail purchases

    Principal card: RM68

    Supplementary card: RM20 (waived if spent minimum RM5,000 or 12 card swipes in a year)

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

    Benefits

    Enjoy repayment tenures from 12 to 24 months.

    The Timeless Bonus Points (TBP) do not expire.

    Enjoy an Instalment Payment Plan with the profit rate of 0% at participating merchants.

    Utilise the card for Airline Miles redemption. (600 TBP = 1000 Enrich Miles; 3000 TBP = 1000 AirAsia BIG Points (only for Visa cardholders))

    More About the Card

    How to use it:

    • Use the card to get exclusive privileges and discounts at participating merchants.
    • Use the card anywhere across the world.

    Good about It:

    • Customer service hotline assistance.
    • No lost card liability when reported.
    • Cash advance withdrawal of up to 100% of your credit limit.

    Keep in Mind:

    • You need to have a minimum income of RM24,000 p.a.

    Who Should Get It

    • Those who make frequent purchases at the participating merchants.

    The Alliance Classic Card offers your reward points as well as competitive rate for balance transfer facility. You can also use this card while travelling as it comes with quick customer service assistance.

    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.

    Best Credit Card For Your Petrol Purchases

    A petrol credit card helps you to earn cashback or cash rebates on your petrol purchases. 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

    You can earn up to 5% cash rebate on your petrol purchases with this card.

    Other categories such as, groceries, movies, and mobile bill payment can earn you up to 8% cash rebate.

    More About the Card

    How to use it:

    • Use this card to pay for your petrol purchases to earn maximum cashback.

    Good about It:

    • You can earn SMART$ rebates when you shop at SMART$ merchants outlets.
    • A discount of up to 15% on dining at participating restaurants across Malaysia.

    Keep in Mind:

    • You can earn cash rebate for a maximum amount of RM500 in a month.
    • You need to spend at selected merchants to earn the cash rebate.

    Who Should Get It

    • Those who spend on petrol regularly.

    If you have to spend regularly on your fuel purchases, it’s always handy to have a petrol credit card. UOB One Platinum Credit Card offers you different cash rebate on your petrol purchases made on weekends and weekdays. You can also use this card to enjoy discounts on dining across Malaysia.

    Best Shopping Credit Cards

    Shopping credit cards offer discounts and other perks on your shopping related expenses charged to the card. Let’s 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

    10% cash back on Wednesday and Weekend fashion related transactions with Fashion Ten

    Card members will get exclusive birthday rewards at participating merchants

    RM300

    Benefits

    You can get a chance to win a holiday to Singapore with your loved one.

    Along with cashback, enjoy exclusive offers through Lady’s Wednesday on your fashion purchases at participating brands.

    More About the Card

    How to use it:

    • Shop with your Lady’s Solitaire Mastercard and pay for your luxurious purchases in convenient instalments via LuxePay facility.
    • Enjoy a 6 or 12-month 0% instalment payment plan on your purchases worth RM2,000 and above.

    Good about It:

    • On activation and spending 1x on your credit card, within 60 days from the card approval date, you will get a Zalora promo code worth RM25.
    • You can enjoy a Travel Protection Plan of up to RM500,000 when you charge your flight ticket to your card.

    Keep in Mind:

    • To earn cashback under Fashion Ten, the minimum spending criteria in one calendar month is RM800.
    • You can get a maximum cashback on RM80 in each calendar month.
    • The cashback is distributed on first-come, first-served basis.

    Who Should Get It

    • Those who spend on shopping frequently.

    Best Premium Credit Cards

    Let’s 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

    5 Treats AirMiles for each RM1 spent on overseas purchases

    5 Treats AirMiles for every RM2 spent on local transactions

    Access to over 86 golf clubs around the world

    Principal card: RM1,000 (waived on spending a minimum RM120,000 in a years)

    Supplementary card: RM500, fifth card onwards (first 4 cards are free)

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

    Benefits

    Enjoy 50% discount on dining and up to 20% discount on accommodation rates at participating SPG Hotels and Resorts in Malaysia.

    Get a complimentary travel insurance worth RM2 million.

    More About the Card

    How to use it:

    • Use the card for your local and overseas purchases.
    • Convert/redeem your 6,360 Treats AirMiles for 1,000 Enrich Miles.

    Good about It:

    • Enjoy exclusive golf club privileges at local and overseas golf clubs located in Thailand, Cambodia, Vietnam, Australia, United States of America, etc.
    • Get complimentary access to Plaza Premium Lounges in Malaysia and overseas.

    Keep in Mind:

    • You need to have an annual income of minimum RM120,000.
    • The dining and accommodation privileges at SPG Hotels and Resorts are available only till 31 December 2018.

    Who Should Get It

    • Those who travel frequently.
    • Maybank World Mastercard Credit Card is a premium credit card that offers many exclusive privileges such as golf club benefits, dining and hotel room discounts, etc. You can also use this card to redeem your points for air miles.

      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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