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  • Best Premium Credit Cards of 2018

    Premium Credit Cards

    Premium cards offer exclusive privileges and discounts, such as access to premium lounges, air miles, golf privileges, travel insurance, and various discounts on dining, shopping, and accommodation expenses. Some premium cards are offered only through invitation. For such credit cards, you can express your interest in applying for them, but your bank will offer the card only if you qualify for it.

    Here are the Best Premium Credit Cards in Malaysia 2018

    Updated on 7th November 2018

    Credit Card Name
    Premium Privileges
    Rewards Programme
    Interest rates and Annual fees
    Know More

    Unlimited access to KLIA Plaza Premium Lounges

    6 visits to over 850 VIP Lounges across the globe

    (Premium Privileges )

    5x Timeless Bonus Points for overseas retail purchases

    2x Timeless Bonus Points for local retail purchases

    (Rewards Programme )>

    15% p.a. to 18% p.a.

    (Interest rates)

    Principal card: RM800

    Supplementary card: None

    Waived for a minimum spend of RM30,000 each year

    (Annual fees*)

    5 visits to Plaza Premium Lounges across Malaysia

    (Premium Privileges )

    6% cashback for local shopping, entertainment, and online transactions

    2% cashback for overseas retail expenses

    (Rewards Programme )

    15% p.a. to 18% p.a.

    Interest rates

    Principal card: Waived for life

    Supplementary card: Waived for life

    (Annual fees)

    Unlimited visits to more than 800 VIP Lounges across the world

    (Premium Privileges )

    2 Citi Rewards Points for every RM1 spent on overseas purchases

    1 Citi Rewards Points for every RM1 spent on local purchases

    (Rewards Programme )

    15% p.a. to 18% p.a.

    (Interest rates)

    Principal card: RM1,000

    Supplementary card: Waived

    (Annual fees)

    Unlimited Plaza Premium Lounge access at KLIA and KLIA2

    (Premium Privileges )

    3 WorldMiles for every RM2 spent on overseas purchases

    1 WorldMile for every RM3 spent on local purchases

    (Rewards Programme )

    15% p.a. to 18% p.a.

    (Interest rates)

    Waived for the first year

    Subsequently, Principal card: RM600

    Waived on a minimum spend of RM60,000 each year

    Supplementary Card: Free

    (Annual fees)

    5x complimentary access to Plaza Premium Lounges in Malaysia and abroad

    Complimentary green fees at selected golf clubs in Malaysia and abroad.

    (Premium Privileges )

    5 TreatsPoints for every RM1 spent locally and overseas.

    1x TreatsPoints on all transactions for utilities, education, EzyPay, and insurance payments.

    (Rewards Programme )

    15% p.a. to 18% p.a.

    (Interest rates)

    Principal card: RM1,000

    RM800 from the second year onwards.

    Free for the subsequent years with a minimum spend of RM80,000 p.a.

    Supplementary card: Waived for the first 4 cards.

    (Annual fees)

    8x complimentary airport lounge access

    (Premium Privileges )

    5x Bonus Points for overseas and dining transactions.

    1x Bonus Points for local transactions.

    (Rewards Programme )

    15% p.a.-18% p.a.

    (Interest rates)

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    (Annual fees)

    Complimentary entry to Plaza Premium Lounges

    (Premium Privileges )

    10x Reward Points on overseas hotel room and dining expenses.

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

    5x Reward Points on flight tickets.

    (Rewards Programme )

    15% p.a. to 18% p.a.

    (Interest rates)

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    (Annual fees)

    5x complimentary access to Plaza Premium Lounges

    (Premium Privileges )

    Get up to 6% cashback on domestic spends.

    Enjoy 2% cashback on overseas spends.

    (Rewards Programme )

    15% p.a. to 18% p.a.

    (Interest rates)

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    (Annual fees)

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

    Best Premium Credit Cards

    Alliance Bank Visa Infinite

    This card offers rewards points on all local and overseas retail transactions. It also offers exclusive discounts on lifestyle, shopping, and travel expenses.

    Key Benefits:

    • Earn 5x Timeless Bonus Points for all your overseas retail transactions.
    • Earn 2x Timeless Bonus Points for all local retail transactions.
    • Enjoy 6 visits to VIP Lounges across the world for the first year.
    • Get unlimited access to VIP Lounges for a minimum spend of RM300,000 each year.
    • Enjoy complimentary travel insurance of up to RM2 million.
    • Get access to 24/7 concierge services provided by Visa Infinite.
    • Enjoy complimentary unlimited access to Plaza Premium Lounges at KLIA.
    • Get 20% discount at Plaza Premium Lounges across the world.
    Additional Points Description
    How to Use It
    • Use your card to pay for any local or overseas retail purchases.
    • Redeem 6000 Timeless Bonus points for 1000 Enrich Miles and 3000 Timeless Bonus Points for 1000 AirAsia BIG Points.
    Good about It
    • Rewards points that do not expire.
    • Free flights and upgrades for rewards point redemption.
    Keep in Mind
    • The minimum annual income requirement is RM150,000.
    • No rewards points for government or petrol transactions.

    Who Should Get It:

    Those looking for travel-related benefits on their card.

    RHB Visa Signature

    This card offers cashback on all eligible retail purchases. It also offers premium travel benefits such as complimentary access to premium lounges and travel insurance cover.

    Key Benefits:

    • Get up to 6% cashback for entertainment, shopping and online transactions.
    • Get up to 2% cashback for all your overseas transactions.
    • Get unlimited 0.2% cashback for all other eligible local retail expenses.
    • Enjoy a discount of 25% on walk-in rates for subsequent visits to Plaza Premium Lounges in Malaysia.
    • Get 20% discount on walk-in rates for Plaza Premium Lounge visits across the world.
    • Enjoy complimentary green fees at participating golf clubs across Malaysia.
    • Get an annual fee waiver for life on both the principal and the supplementary cards.
    • Enjoy a complimentary travel insurance cover of up to RM600,000.
    • Get access to multiple exclusive privileges and deals offered by Visa International.
    Additional Points Description
    How to Use It
    • Use your card to pay for all local and overseas purchases to earn maximum cashback.
    • Play golf without paying any fees at participating courses across Malaysia with the card.
    Good about It
    • Cashback on all eligible local and overseas retail purchases.
    • Complimentary travel insurance.
    • Annual fee waived for both principal and supplementary cards.
    Keep in Mind
    • The minimum annual income requirement is RM80,000.

    Who Should Get It:

    If you are looking for exclusive privileges on your card.

    Citi Prestige Credit Card

    This card offers rewards points for all your local and overseas transactions. It also allows you to earn relationship bonus points based on your banking relationship with Citi.

    Key Benefits:

    • Earn 2x Citi Rewards points for all overseas retail transactions.
    • Earn 1x Citi Rewards Points for all local retail transactions.
    • Earn relationship bonus points on your annual expenses based on how long you have used Citi’s services.
    • Enjoy a complimentary stay for minimum 4-night consecutive stay at a hotel of your choice.
    • Get a complimentary ride home from KLIA with a minimum of 3 overseas transactions.
    • Enjoy complimentary Wi-Fi access at more than 1 million hotspots across the world via Boingo.
    • Enjoy prestige concierge services at Malaysia and overseas.
    • Get complimentary travel insurance of up to USD1 million.
    • Enjoy exclusive shopping and dining discounts at selected outlets across the world.
    • Get extended warranty on selected items purchased in Malaysia.
    • Protect your purchased goods up to USD3,000 for 90 days through the purchase protection facility.
    Additional Points Description
    How to Use It
    • Use your card for any local or overseas retail purchases to earn Rewards Points.
    • Swipe your card for accommodation and dining expenses in Malaysia and overseas.
    • Pay your airline tickets using your credit card to get exclusive privileges
    Good about It
    • No limit on earning Citi Rewards Points.
    • No expiry date for Citi Rewards Points.
    • Exclusive deals and discounts worldwide.
    • Unlimited access to VIP Lounges across the world.
    • Complimentary travel insurance.
    Keep in Mind
    • The minimum annual income requirement is RM200,000.

    Who Should Get It:

    Those who travel and shop overseas using their card.


    Standard Chartered WorldMiles Mastercard Credit Card

    This credit card offers WorldMiles on your transactions, along with complimentary airport rides, Premium Lounge accesses, and other exclusive offers on travel, shopping, dining, and more.

    Key Benefits:

    • Earn 3 WorldMiles for every RM2 spent overseas.
    • Earn 1 WorldMiles for every RM3 spent domestically.
    • Get up to RM80 cashback on your airport limousine or KLIA Ekspres rides.
    Additional Points Description
    How to Use It
    • Use your card for your local and overseas transactions.
    • Use these AirMiles with airline partners such as Asia Miles, KrisFlyer, Enrich, and AirAsia BIG.
    • Convert your earned WorldMiles online into frequent flyer programmes or redeem them for travel vouchers.
    Good about It
    • Enjoy a cashback of up to RM80 when you are travelling to home in an airport limousine or KLIA Ekspres when you are back from an overseas trip.
    • Get premium offers and savings on lifestyle, nightlife, dining, hotels, and entertainment.
    Keep in Mind
    • The airport ride transfer cashback is applicable only if you have performed 3 overseas transactions in the past 30 days.
    • Exclusive travel and lifestyle offers are available at selected outlets.

    Who Should Get It:

    Those who use their card extensively while travelling.


    Maybank 2 Cards Premier

    These cards(Visa Premier and American Express Premier) are designed to provide travel benefits, such as access to airport lounges and travel insurance for you and your family. You can also earn reward points on local and overseas transactions with these cards.

    Key Benefits:

    • Earn 5 Treatspoints for every RM1 spent overseas or locally.
    • Travel without worry with a complimentary travel insurance of RM2 million when you book flight tickets with the cards.
    • Get complimentary green fees for local and international golf clubs with this card.
    • Enjoy 5x complimentary access to Plaza Premium Lounges in Malaysia.
    • Enjoy 20% off food and beverages at Lobby Lounge, Lafite, and Arthur's Bar & Grill.
    Additional Points Description
    How to Use It
    • Use the cards for all your shopping and retail transactions.
    • Earn reward points on local and overseas transactions.
    • Redeem the points for items and vouchers from the bank catalogue.
    • Get complimentary travel insurance when you book flight tickets with the cards.
    Good about It
    • Get 50% discount on food and beverages at Shangri La Hotel, Kuala Lumpur.
    • Enjoy 50% off the bill for diners at Arthur's Bar & Grill, Lemon Garden Café, Shang Palace, Zipangu
    • Earn 1x TreatsPoint on transactions with educational institutions, utility bills, insurance and EzyPay transactions.
    Keep in Mind
    • A minimum of RM1,000 is to be spent in the previous month to get the golf green fees offer.
    • There are no Treatspoints when you make transactions with government-bodies.
    • The minimum annual income requirement to get the cards is RM120,000.

    Who Should Get It:

    • Those who use their card extensively while travelling.

    CIMB Visa INFINITE Credit Card

    Earn reward points and save more on your transactions with the CIMB Visa INFINITE Credit Card.What’s more, the annual fee of the card is waived for life. Enjoy travel and other privileges when you make transactions with the card.

    Key Benefits:

    • Earn 5x Bonus Points for all dining and overseas transactions.
    • Enjoy 8x complimentary lounge access at Plaza Premium Lounges.
    • The annual fee is waived for life.
    Additional Points Description
    How to Use It
    • Use the card for shopping and other transactions.
    • Earn reward points on dining and other expenses.
    • Redeem the points for items and vouchers from the bank’s rewards catalogue.
    Good about It
    • Get 1x Bonus Points on all other spends with the card.
    • Enjoy 50% off dining expenses across the region under the Regional Dining Privileges Programme.
    • Solve all your travel related queries at the CIMB Premier Travel Desk and get access to exclusive flight deals and packages.
    Keep in Mind
    • The complimentary lounge access is applicable for the principal cardholder only.
    • The Regional Dining Privileges programme is applicable for selected hotels only, and is confined to Malaysia, Indonesia, and Singapore.
    • The minimum annual income of RM120,000.

    Who Should Get It:

    Those looking for travel-related benefits on their card.

    HSBC Premier World Mastercard

    Enjoy the privileges of HSBC Premier when you sign up for this card. The card is exclusively for those who have an HSBC Premier account with a minimum relationship balance of RM200,000.

    Key Benefits:

    • Enjoy 10x Reward Points on overseas dining and hotel expenses.
    • Get 5x Reward Points on dining and participating hotels and malls in Malaysia.
    • Relax while you travel with complimentary access to Plaza Premium Lounges.
    • Get balance transfer facility on the card at 0% interest by paying only 3% upfront fees.
    Additional Points Description
    How to Use It
    • Make transactions on the card for shopping and dining both locally and overseas to earn maximum rewards..
    • Enjoy 5x Rewards Points on dining at participating hotels and malls in Malaysia.
    • Use the card to earn 10x Rewards Points when dining overseas.
    • Exchange the collected Reward Points for items and vouchers from HSBC’s catalogue.
    Good about It
    • Enjoy 5x Reward Points when buying flight tickets and booking rooms in local hotels.
    • Earn 8x Reward Points when shopping at The Gardens Mall and Mid Valley Megamall.
    • Get 1x Reward Points on all other spends.
    • Enjoy special offers from the HSBC Smart Privileges Programme.
    • Get unlimited WiFi at over 1 million Boingo hotspots located all over the world.
    Keep in Mind
    • There is a cap of RM20,000 per month on the 10x rewards offer.
    • There is a cap of 9,000 Reward Points per month on the 8x and 5x rewards offer.
    • Access to Plaza Premium Lounges is limited to Kuala Lumpur International Airport, Changi International Airport, and Hong Kong International Airport.

    Who Should Get It:

    • Those who use their card for travelling and shopping.
    • All HSBC Premier account holders.

    RHB Signature Credit Card

    With the RHB Signature Credit Card, you get cashback for entertainment, retail, and online purchases. You also get to earn cashback for your overseas transactions made with the card.

    Key Benefits:

    • Get up to 6% cashback when you spend more than RM3,500 on online, entertainment, shopping, and other purchases.
    • Enjoy up to 2% cashback when you spend more than RM3,500 overseas.
    • Get 5x complimentary access to airport lounges in Malaysia.
    Additional Points Description
    How to Use It
    • Use the card for all your domestic and overseas transactions.
    • Earn cashback according to the amount spent and the cap every month.
    • Get automatic travel insurance cover and complimentary access to airport lounges when you book flight tickets with the card.
    Good about It
    • Enjoy unlimited 0.2% cashback on all other expenses.
    • Enjoy complimentary green fees at selected clubs in Malaysia, under the RHB Golf Privileges programme.
    • Get travel insurance for RM600,000 when you buy flight tickets with the card.
    Keep in Mind
    • The 6% cashback offer has a cap of RM30 for each category.
    • The overseas spending cashback offer has a cap of RM100.

    Who Should Get It:

    • If you travel frequently.
    • If you need a card with good cashback on a variety of transactions.

    How to Choose the Best Premium Card

    Premium cards offer premium discounts and privileges that are usually not offered on other cards. To choose a suitable card for lifestyle, compare all cards based on their key benefits and requirements. Check offers on golf fees, dining, entertainment, shopping, airport rides, and air miles conversion and pick a card that suits your lifestyle needs.

    If you are interested in reading about cards in other categories, check the best cashback credit cards and the best shopping credit cards

    Review

    Among the premium credit cards shown here, the HSBC Premier World Mastercard provides a host of benefits on shopping and dining, both overseas and locally. You can get up to 10x Reward Points on your transactions with the card. The card also gives you travel benefits such as access to airport lounges in Malaysia and abroad.

    The card also provides exclusive benefits under the HSBC SmartPrivileges Programme and the Premium Privileges programme by Mastercard. Let’s take a look at the illustration below to learn more about your returns on the card.

    Illustration

    The cashback structure for the HSBC Premier World Mastercard Credit Card is as follows:

    Type of Expense Reward Points Offered Reward Points Cap
    Overseas hotel room reservations and dining 10x 20,000
    Spends at The Gardens Mall and Mid Valley Megamall 8x 9,000
    Airline ticket purchases, local hotel room reservations and dining, local malls 5x 9,000
    All other spends 1x -

    Let’s assume that you have spent RM6,000 on airline ticket purchases, RM3,000 on overseas hotel booking, and another RM2,000 on shopping at The Gardens Mall in Kuala Lumpur. The Rewards Points that you would earn is 100,000 Reward Points. But with a cap on the Rewards Points, you would get 38,000 Reward Points on your spends.

    BBazaar's Best Premium Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Premium Privileges
    Alliance Bank Visa Infinite

    Unlimited access to KLIA Plaza Premium Lounges

    6 visits to over 850 VIP Lounges across the globe

    RHB Visa Signature

    5 visits to Plaza Premium Lounges across Malaysia

    Citi Prestige Credit Card Unlimited visits to more than 800 VIP Lounges across the world
    Standard Chartered WorldMiles Mastercard Credit Card

    Unlimited Plaza Premium Lounge access at KLIA and KLIA2

    Maybank 2 Cards Premier

    5x complimentary access to Plaza Premium Lounges in Malaysia and abroad

    Complimentary green fees at selected golf clubs in Malaysia and abroad.

    CIMB Visa INFINITE Credit Card 8x complimentary airport lounge access
    HSBC Premier World Mastercard

    Complimentary entry to Plaza Premium Lounges

    RHB Signature Credit Card 5x complimentary access to Plaza Premium Lounges

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