• Best Premium Credit Cards of 2018

    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 1st July 2018

    Credit Card Name
    Premium Privileges
    Rewards Programme
    Annual Fee
    Know More

    Unlimited access to KLIA Plaza Premium Lounges

    6 visits to over 850 VIP Lounges across the globe

    5x Timeless Bonus Points for overseas retail purchases

    2x Timeless Bonus Points for local retail purchases

    Principal card: RM800

    Supplementary card: None

    Waived for a minimum spend of RM30,000 each year

    Access to Plaza Premium Lounges in 26 major airports across the world

    5x AmBonus Points for overseas retail purchases excluding online purchases

    Principal card: Waived for life

    Supplementary card: Free for first 3 cards

    4th card onwards: RM188

    8 visits to Plaza Premium Lounges

    5x Bonus Points on dining and overseas transactions

    Principal card: Waived for life

    Supplementary card: Waived for life

    4 visits to Plaza Premium Lounges across Malaysia

    1 Enrich Mile for every RM1.80 spent on overseas and local retail purchases

    1 Enrich Mile for every RM2.8 spent on local retail purchases

    Principal card: Waived for life

    Supplementary card: Waived for life

    2 visits to Priority Pass airport lounges across the world

    1x AFFIN Rewards Points for every RM1 spent on retail transactions

    Principal card: RM530

    Supplementary card: RM424

    Waived for the first year

    Waived for subsequent years for a minimum spend of RM48,000, or minimum of 12 swipes each year

    Unlimited visits to more than 800 VIP Lounges across the world

    2x Citi Rewards Points for every RM1 spent on overseas purchases

    1x Citi Rewards Points for every RM1 spent on local purchases

    Principal card: RM1,000

    Supplementary card: Waived for life

    5 visits to Plaza Premium Lounges across Malaysia and overseas

    5x Treats Points for every RM1 spent on overseas purchases

    2x Treats points for every RM1 spent on local purchases

    Principal card: RM800

    Waived for the first year

    Waived for subsequent year for a minimum spend of RM50,000 each year

    Supplementary card: RM400

    First 4 supplementary cards are free

    5 visits to Plaza Premium Lounges across Malaysia

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

    2% cashback on overseas retail expenses

    Principal card: Waived for life

    Supplementary card: Waived for life

    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 on all your overseas retail transactions.
    • Earn 2x Timeless Bonus Points on 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
    • Annual income requirement is RM150,000.
    • No rewards points for government or petrol transactions.

    Who Should Get It:

    Those who travel overseas frequently.


    AmBank Visa Infinite

    This card offers accommodation and dining privileges across Asia. It also offers air miles conversion and rewards points on retail transactions.

    Key Benefits:

    • Earn 5x AmBonus Points on all overseas retail purchases except online transactions.
    • Enjoy complimentary green fees at participating golf clubs across Malaysia.
    • Convert your AmBonus Points to air miles with Frequent Flyer and Travel Rewards Programme.
    • Get 25% discount at premium lounges across Malaysia, and 20% discount at overseas lounges.
    • Enjoy up to 50% discount on dining privileges at participating Hilton Hotels across Asia.
    • Get complimentary travel insurance of up to RM2 million.
    • Get access to 24/7 concierge services and Visa customer service.
    Additional Points Description
    How to Use It
    • Use your card to pay for your airline tickets
    • Pay for all retail expenses in Malaysia and overseas with this card.
    • Redeem 1000 AirAsia BIG points with 3000 Timeless Bonus Points.
    Good about It
    • Complimentary travel insurance.
    • Hotel and dining privileges.
    • Complimentary green fees.
    • Unlimited access to premium lounges.
    Keep in Mind
    • Annual income requirement is RM120,000.
    • Unlimited access to premium lounges subject to a minimum spend of RM500 within 30 days of each visit.

    Who Should Get It:

    Those who stay or dine at Hilton Hotels across Asia.


    CIMB Visa Infinite

    This card offers rewards points on retail transactions. It also offers discount on dining expenses, and access to premium lounges in Malaysia and Singapore.

    Key Benefits:

    • Enjoy an annual fee waiver on the principal and supplementary cards.
    • Earn 5x Bonus Points on all overseas and dining transactions.
    • Earn 1x Bonus Points on all other retail transactions.
    • Get complimentary travel insurance of up to RM1 million.
    • Enjoy 50% discount on dining expenses across Malaysia, Singapore, and Indonesia.
    • Get dedicated assistance for all your travel needs.
    • Enjoy exclusive discounts on airport rides between KLIA/KLIA2 and Kang Valley.
    Additional Points Description
    How to Use It
    • Pay your airline tickets using this card.
    • Pay for any overseas retail or dining expenses anywhere with this card.
    • Spend a minimum of RM100,000 each year to automatically renew your access to premium lounges.
    Good about It
    • Discount on dining privileges across Malaysia.
    • Exclusive deal on premium airport rides.
    • Complimentary travel insurance.
    Keep in Mind
    • Annual income requirement is RM120,000.
    • Automatic renewal of premium lounge access us subject to a minimum annual spend of RM100,000.

    Who Should Get It:

    Those who frequently dine across Malaysia and overseas.


    Hong Leong Visa Infinite

    This card offers air miles on all your local and overseas retail transactions. It also offers preferential rates on your choice of foreign currency.

    Key Benefits:

    • Earn Enrich Miles on all your local and overseas retail purchases.
    • Enjoy complimentary travel insurance of up to RM3 million.
    • Get assistance for all your travel needs including visa application and accommodation via the premium help desk.
    • Enjoy premium concierge services for any assistance with theatre reservations or dinner bookings.
    • Get access to 24/7 card services assistance for any queries related to your card.
    Additional Points Description
    How to Use It
    • Use your card to pay for any local or overseas retail transactions.
    • Get your purchases automatically converted to Enrich Miles.
    Good about It
    • Annual fee waiver on principal and supplementary cards.
    • Automatic conversion to Enrich Miles.
    • Complimentary travel insurance.
    Keep in Mind
    • Annual income requirement is RM150,000.
    • Access to premium lounges subject to minimum annual spend of RM100,000.

    Who Should Get It:

    Those who travel overseas frequently.


    AFFIN Bank World Mastercard

    This card offers rewards points for all eligible retail transactions. It also offers you premium global services, such as concierge services, and dedicated helpline.

    Key Benefits:

    • Earn 1x AFFIN Rewards Points on all overseas and local retail transactions.
    • Enjoy complimentary travel insurance of up to RM1 million.
    • Get a complimentary replacement card for first-time stolen or lost card.
    • Utilise the 24 hour dedicated Mastercard line for any assistance anywhere in the world.
    • Enjoy an annual fee waiver on both cards for the first year.
    • Withdraw cash up to 70% of your assigned credit limit.
    • Enjoy global concierge services provided by Mastercard International.
    Additional Points Description
    How to Use It
    • Use your card for all overseas and local retail transactions.
    • Spend a minimum of RM48,000 each year to get a waiver on the annual fee.
    • Swipe your card at least once a month for a period of 12 months.
    Good about It
    • Annual fee waiver for minimum 12 transactions each year.
    • Rewards points for multiple retail transactions.
    • Complimentary travel insurance.
    Keep in Mind
    • Annual income requirement is RM80,000.
    • Priority Pass membership is subject to selected lounges throughout the world.

    Who Should Get It:

    Those who travel overseas frequently.

    Citi Prestige World Elite Mastercard

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

    Key Benefits:

    • Earn 2x Citi Rewards points on all overseas retail transactions.
    • Earn 1x Citi Rewards Points on all local retail transactions.
    • Earn relationship bonus points on your annual expenditure based on how long you have banked with Citi.
    • 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.
    • Swipe your card for accommodation and dining expenses in Malaysia and overseas.
    • Pay your airline tickets using your credit card.
    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
    • Annual income requirement is RM200,000.
    • Annual fee is RM1,000.

    Who Should Get It:

    Those who travel and shop overseas frequently.


    Maybank Islamic Ikhwan Visa Infinite Card-i

    This card offers rewards points on all local and overseas purchases. It is an Islamic card based on the principles of Shariah.

    Key Benefits:

    • Earn 5x Treats Points on all your overseas retail purchases.
    • Earn 2x Treats Points on all your local retail purchases.
    • Earn 1x Treat Points for petrol, education, insurance, utility, and EzyPay transactions.
    • Get bonus 10,000 Treats Points upon card activation.
    • Enjoy golfing privileges at selected golf clubs across the world.
    • Convert your Treats Points into air miles.
    • Redeem your Treats Points for airline tickets, car rentals, or cruises through Mayflower.
    • Enjoy up to 50% discount on dining privileges at participating SPG Hotels and Resorts across Malaysia.
    • Get up to 10% discount on hotel room rates at participating SPG Hotels and Resorts across Malaysia.
    • Enjoy fast track immigration services at more than 280 airports across the world.
    • Get global assistance through concierge services provided by Visa International.
    • Enjoy complimentary travel insurance of up to RM2 million.
    Additional Points Description
    How to Use It
    • Use your card for all local and overseas transactions.
    • Pay your insurance, utility, education, insurance, and petrol bills with this card.
    Good about It
    • Complimentary travel insurance.
    • Bonus Treats Points for card activation.
    • Annual fee waiver on the principal and the supplementary card.
    • Exclusive dining and accommodation discounts.
    • Golfing privileges across the world.
    • Rewards points for all retail transactions.
    Keep in Mind
    • Annual income requirement is RM 120,000
    • Treats Points are valid only for 3 years.

    Who Should Get It:

    Those who travel and dine overseas frequently.


    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 on all local entertainment, shopping and online transactions.
    • Get up to 2% cashback on all your overseas transactions.
    • Get unlimited 0.2% cashback on 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 card.
    • 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.
    • Play golf without paying any fees at participating courses across Malaysia.
    Good about It
    • Cashback on all eligible local and overseas retail purchases.
    • Complimentary travel insurance.
    • Annual fee waiver on both principal and supplementary cards.
    Keep in Mind
    • Annual income requirement is RM80,000.

    Who Should Get It:

    Those who shop and golf frequently.


    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 your budget and 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

    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 6 visits to over 850 VIP Lounges across the globe
    AmBank Visa Infinite Access to Plaza Premium Lounges in 26 major airports across the world
    CIMB Visa Infinite 8 visits to Plaza Premium Lounges
    Hong Leong Visa Infinite 4 visits to Plaza Premium Lounges across Malaysia
    AFFIN Bank World Mastercard 2 visits to Priority Pass airport lounges across the world
    Citi Prestige World Elite Mastercard Unlimited visits to more than 800 VIP Lounges across the world
    Maybank Islamic Ikhwan Visa Infinite Card-i 5 visits to Plaza Premium Lounges across Malaysia and overseas
    RHB Visa Signature 5 visits to Plaza Premium Lounges across Malaysia

    Looking for More

    Pick Up the Other Best Credit Card Category You May Like

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.