• Best Credit Cards of 2018

    A credit card helps you make purchases conveniently and pay your monthly bills on time. There are multiple types of credit cards available like cashback, rewards, travel, dining, shopping, and petrol cards, among many 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 take a look at the working mechanism and other details of these cards.

    Here are the Best Credit Cards in Malaysia 2018

    Updated on 1st July 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 Standard Chartered WorldMiles Mastercard
    Dining Hong Leong WISE Platinum Visa Card Maybank 2 Cards Premier
    Rewards Alliance Bank Visa Infinite Card Citi Rewards Card
    Islamic Maybank Islamic Mastercard Ikhwan Gold Card HSBC Amanah MPower Visa Platinum Credit Card-i
    No Annual Fee Maybank 2 Gold Card Citi Simplicity+ Card
    Balance Transfer Citi Simplicity+ Card RHB Smart Move Balance Transfer
    Petrol Standard Chartered JustOne Platinum Mastercard PETRONAS Maybank Visa Credit Card
    Shopping CIMB Cash Rebate Platinum Credit Card Alliance You:Nique Card
    Premium Citi Prestige Card Citi Prestige 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

    Earn a maximum of 15% cashback on monthly online transactions, bill payments, and petrol purchases.

    Get an unlimited cashback of 0.2% with all other retail purchases.

    RM250.

    Benefits

    Get 15% cashback with all the transactions related to utility bill payment, petrol, and online shopping.

    Get an additional 0.2% cashback with all other retail transactions completed using this card.

    Benefit from a range of exclusive privileges and offers at over 4,000 outlets with this card.

    Get more than RM1,000 cashback every year with this card.

    More About the Card

    How to use it:

    • Carry out retail transactions using your Standard Chartered JustOne Platinum Mastercard.
    • Spend an amount equal to or more than the spend requirement eligible for cashback every month.
    • Earn cashback on a monthly basis based on the total amount spend.

    Good about It:

    • High cashback rate of 15% with transactions related to online shopping, bill payments, and petrol purchases.
    • Low income requirement of just RM24,000 p.a.
    • Unlimited cashback with all transactions except petrol, online purchases, and bill payment.

    Keep in Mind:

    • If the monthly spend on the card is less than RM1,000, you will earn cashback at the rate of 0.2% with all transactions.
    • In order to earn 15% cashback with petrol, online purchases, and bill payment, you need to spend at least RM2,500 using your card every month.
    • The maximum amount of cashback you can earn with this card on a monthly basis is RM85.

    Who Should Get It

    • Those who prefer shopping online.
    • Those who pay bills using their credit card.
    • Those who prefer to use their own vehicle for daily commute.

    Standard Chartered JustOne Platinum Mastercard earns you cashback with all retail transactions. In order to maximise your returns, meet the minimum spend requirement, i.e. RM2,500. The card also comes with a range of offers and privileges associated with various retail transactions.

    Best Travel Credit Card

    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

    Earn 3 WorldMiles with every RM2 spent overseas

    Earn 1 WorldMile with every RM3 spent locally

    Convert 2 WorldMiles into air miles of your preferred airline partner

    RM600

    Benefits

    Earn WorldMiles with every purchase made using this card.

    Convert the WorldMiles into air miles of the following frequent flyer programmes: Enrich, AirAsia BIG, KrisFlyer, and Asia Miles.

    Get unlimited access to KLIA and KLIA2 Plaza Premium Lounges.

    Get RM80 as cashback with your complimentary airport ride.

    Enjoy offers from participating merchants at over 700 spots in Malaysia and Singapore.

    More About the Card

    How to use it:

    • Use your card to make purchases overseas and locally.
    • Earn WorldMiles with every transaction.
    • Convert these WorldMiles into air miles of the partnering airline.

    Good about It:

    • A range of airline partners to choose from.
    • High rate of earning air miles.
    • Unlimited access to Plaza Premium Lounge. and Annual fee waiver for the first year.

    Keep in Mind:

    • The minimum income required to own this card is RM90,000 p.a.
    • In order to get annual fee waiver from the 2nd year onwards, you need to spend at least RM60,000 using your card per year.

    Who Should Get It

    • Those who travel overseas often and shop overseas.
    • Those who travel with the following frequent flyer miles: Enrich Miles, AirAsia BIG, Asia Miles, and KrisFlyer Miles.

    Standard Chartered WorldMiles Mastercard helps you get discounted travel fare with the help of WorldMiles earned with every transaction. The card comes with a high rate of air mile redemption and offers you multiple travel deals, offers, and privileges.

    Best Dining Credit Cards

    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

    Get a cashback of 10% on dining every month.

    Switch cashback categories any time.

    RM300

    Benefits

    Earn 10% cashback on dining.

    Choose your cashback category and switch any time you want.

    Get up to RM100 in the form of cashback on your preferred category.

    Earn cashback on both local and overseas dining.

    More About the Card

    How to use it:

    • Use your card to pay for dining.
    • Reach the minimum spend required per month and Get a cashback of up to RM100.

    Good about It:

    • High cashback rate on your preferred category.
    • Ease of switching the categories any time.

    Keep in Mind:

    • Minimum spend requirement to get 10% cashback is RM2,000 per month.
    • Cost for switching categories is RM10 (one-time maintenance fee).

    Who Should Get It

    • Those who wish to enhance their dining related savings.
    • Food bloggers.

    Hong Leong WISE card comes with two variants - Gold and Platinum - for you to choose from. The Gold card comes with a low annual fee of RM250, whereas the Platinum card comes with an annual fee of RM300. The Platinum card also allows you to switch categories according to your lifestyle preferences with a fee of RM10.

    Best Rewards Credit Cards

    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

    Earn 5x Citi Rewards Points with purchases made at supermarkets, departmental stores, and purchases made overseas.

    Get unlimited complimentary access to KLIA Plaza Premium Lounge.

    RM600

    Benefits

    Earn 5x Citi Rewards Points with purchases made at major departmental stores and supermarkets.

    Get 5x Citi Rewards Points with purchases made overseas

    Get 1x Citi Rewards Points with all other retail purchases made using this card.

    Get VIP privileges at selected range of hotels collection with your Citi Rewards Card.

    Enjoy unlimited access to KLIA Plaza Premium Lounge.

    Redeem air miles and hotel stays using this card.

    Pay for the purchases and reduce your credit card balance using the Citi Rewards Points.

    More About the Card

    How to use it:

    • Use your card to make overseas purchases and purchases at major departmental stores, supermarkets, and hypermarkets.
    • Earn Citi Rewards Points with every transaction.
    • Accumulate these points to pay the bills of your purchases and decrease the credit card balance

    Good about It:

    • Complimentary access to KLIA Plaza Premium Lounge.
    • Never-expiring Citi Rewards Points.
    • A wide selection of supermarkets, hypermarkets, and departmental stores covered.

    Keep in Mind:

    • You can earn rewards with purchases worth RM200 or more.
    • The points earned will be given with a maximum spend of RM3,000 at supermarkets and departmental stores.
    • The points earned will be given with a maximum spend of RM24,000 with overseas purchases.

    Who Should Get It

    • Those who make purchases at departmental stores and supermarkets.
    • Those who travel and make purchases overseas.

    Earn never-expiring Citi Rewards Points with every transaction completed using your Citi Rewards Card. You can use these points to get air miles, hotel stays, to pay for your purchases, and to reduce your current credit card balance.

    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

    Earn a cashback of 8% with purchases related to grocery and petrol.

    Earn unlimited cashback at a rate of 0.2% with every other retail transaction.

    RM240

    Benefits

    Get cashback of 8% with petrol and grocery purchases.

    Get unlimited cashback with every other retail transaction category at a rate of 0.2%.

    Enjoy a range of offers at over 6,500 outlets under the VIP SmartPrivileges Programme.

    Enjoy various privileges offered by Visa.

    More About the Card

    How to use it:

    • Use the card to carry out retail transactions associated with petrol and grocery
    • Earn cashback of up to 8% every month.

    Good about It:

    • High rate of cashback with petrol and grocery purchases.
    • Unlimited cashback with all other categories.

    Keep in Mind:

    • The monthly cap on cashback you can earn with this card is RM50 per month.
    • In order to get 8% cashback on petrol and groceries, you have to spend a minimum of RM2,000 using your card in a month.

    Who Should Get It

    • Those who want to enhance their monthly savings associated with petrol and grocery.

    HSBC Amanah MPower Visa Platinum Credit Card-i offers you a high rate of cashback with petrol and grocery transactions. You can maximise your monthly savings with this card. You can also benefit from a range of Visa and VIP SmartPrivileges Programme with this 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

    Earn a 10% interest back on a monthly basis.

    No late payment charges, annual fee, and over-limit fee.

    No charges.

    Benefits

    Get an interest back of 10% on retail purchases and cash advances.

    No monthly cap on rebate earnings.

    No annual fee, over-limit charges, or late payment charges.

    Enjoy a range of shopping, lifestyle, travel, and wellness privileges with Citi World Privileges.

    More About the Card

    How to use it:

    • Pay the monthly instalment of your card on time
    • Earn up to 10% returns on the interest payable on retail purchases and cash advances.

    Good about It:

    • High returns on interest payable.
    • No fees charged for exceeding credit limit or late payments on the monthly outstanding amount.

    Keep in Mind:

    • Interest will be earned only if the monthly payments are made on time.
    • Rebates are credited in your account automatically on a monthly basis.

    Who Should Get It

    • Those who wish to save on interest payable.
    • Customers who make majority of the purchases during the weekend.

    Citi Simplicity+ Card helps you enhance your savings related to the monthly interest payable on the card. The card comes with waivers on annual fee, late payment fee, and over-limit fee.

    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 (p.a.)
    Know More

    3 to 36 months

    RM500

    Starting from 0.3% per month

    Benefits

    No processing fee for balance transfer facility.

    Choose from a flexible range of tenures as per your preference.

    Consolidate other credit card debts into a single statement.

    Pay via convenient payment methods such as myBSN, any BSN branchs, or via BSN CDM/ATMs.

    More About the Card

    How to use it:

    • Download the application form for BSN Balance Transfer Programme and Attach a copy of the other bank credit card latest statement.
    • Submit the completed form along with the card statement to the bank via fax, mail or e-mail.

    Good about It:

    • Flexible range of tenures available.
    • Low minimum transfer requirement.
    • No processing fee.
    • Helps in debt consolidation.

    Keep in Mind:

    • Limited to primary cardholders only.

    Who Should Get It

    • Customers who want to consolidate their debts.
    • Customers who wish to save on the interest payable.

    BSN Credit Card allows you to consolidate all outstanding dues from other cards and transfer to a low-interest instalment plan. It allows you to choose a tenure according to your needs, and does not charge you any processing fee to utilise this facility.

    Best Petrol Credit Cards

    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

    Earn 8x TreatsPoints with every transaction made at PETRONAS Service Stations every weekend.

    Earn 5x TreatsPoints with transactions made at PETRONAS Service Stations during weekdays.

    Waived for life

    Benefits

    Earn TreatsPoints with every transaction made at PETRONAS Service Stations.

    Earn 8x TreatsPoints with weekend grocery purchases.

    Enjoy a lifetime annual fee waiver with this card.

    Get a complimentary Maybankard Touch ‘n Go Zing Card for a faster checkout.

    Get discounts and redeem air miles with the help of TreatsPoints.

    More About the Card

    How to use it:

    • Use your PETRONAS Maybank Visa Credit Card to make purchases at PETRONAS station and to purchase grocery during the weekends.
    • Earn TreatsPoints with every purchase.
    • Use these points to get air miles and PETRONAS vouchers.

    Good about It:

    • Annual fee waiver for lifetime.
    • More points can be earned during the weekends.
    • You can redeem air miles with your preferred airline partner.

    Keep in Mind:

    • You cannot earn TreatsPoints with transactions related government bodies.
    • Expatriates need to have an annual income of RM60,000 or more to get this card.

    Who Should Get It

    • Those who make purchases at PETRONAS stations.
    • Those who prefer buying the grocery during the weekends.

    PETRONAS Maybank Visa Credit Card earns you 8x TreatsPoints with all transactions made at PETRONAS stations and grocery purchases. You can use these points to redeem PETRONAS vouchers and to get air miles. The card comes with a lifetime annual fee waiver for both primary and supplementary cards.

    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

    Earn unlimited 3% cashback with all retail transactions.

    Earn 2x TBPs (Timeless Bonus Points) with every RM1 spent on retail transactions.

    RM148

    Benefits

    Get 3% cash rebate on all retail transactions completed using the card.

    Get annual fee waiver for the first 3 years.

    Enjoy a low finance charge of 9% with your card.

    Choose your face card according to your selection.

    More About the Card

    How to use it:

    • Use your Alliance Bank You:nique Card to make any retail purchase.
    • Use the card to shop locally as well as overseas.
    • Earn cashback and TBPs with every purchase made.

    Good about It:

    • Annual fee waiver for the first 3 years.
    • Low interest rates.
    • Never-expiring TBPs with every purchase
    • No limit on cash rebate earned.

    Keep in Mind:

    • To get the 3% cash rebate, you have to spend RM2,000 to RM3,000 using your card every month.
    • To get the annual fee waiver from the 4th year onwards, you need to spend at least RM5,000 or perform a minimum of 12 swipes in a 12-month period.

    Who Should Get It

    • Those who shop locally as well as overseas.
    • Those who want their personalised card.

    Alliance Bank You:nique comes with unlimited cash rebates as well as never-ending TBPs with every purchase made. The card also allows you to choose the card’s face. You can enjoy annual fee waiver for the first 3 years and low range of interest rates.

    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

    Earn Citi Rewards Points with all local and overseas purchases.

    Earn relationship rewards points and enjoy a range of travel privileges.

    RM1,000

    Benefits

    Earn 1 Citi Rewards Points and 2 Citi Rewards Points on every local and overseas purchase, respectively.

    Earn bonus points on the basis of your relationship with the bank.

    Get unlimited access to over 800 international airport lounges.

    Get complimentary night stays at international hotels and resorts.

    Enjoy access to exclusive events like movie premiers, musical concerts, fashion shows, and a lot more.

    Get premium protection coverage anywhere in the world.

    Stay connected to the internet via over 1 million hotspots around the globe.

    More About the Card

    How to use it:

    • Use your Citi Prestige Card to shop locally and overseas to earn Citi Rewards Points
    • To get complimentary hotel stays, complimentary rides home, easy access to international airport lounges, and access to exclusive events.

    Good about It:

    • Exclusive offers and accesses.
    • Bonus rewards points up to 40% depending upon the relationship duration with Citibank.
    • A range of travel privileges.

    Keep in Mind:

    • The annual income requirement of the card is RM200,000.
    • The annual fee of the card is RM1,000.

    Who Should Get It

    • Those who travel abroad on a regular basis.
    • Those who are existing customers of Citibank.

    Citi Prestige Card comes with a range of exclusive offers and privileges. These offers suit you the best if you travel overseas on a regular basis. This premium card earns you Citi Rewards Points with all purchases and offers you with a wide array of travel benefits.

    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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