Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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 4th September 2018

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

    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

    Unlimited Plaza Premium Lounge access at KLIA and KLIA2

    3 WorldMiles for every RM2 spent on overseas purchases

    1 WorldMile for every RM3 spent on local purchases

    Waived for the first year Subsequently, Principal card: RM600

    Waived on a minimum spend of RM60,000 each year Supplementary Card: Free

    8x access 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

    6x Plaza Premium Lounge access in Malaysia, Singapore, and Hong Kong for a principal cardholder

    8x Rewards Points on all overseas purchases

    8x Rewards Points on online spends in a foreign currency

    5x Rewards Points on participating malls purchases

    5x Rewards Points on all online purchases

    1x Reward Points on all other retail purchases

    Principal card: RM600

    Supplementary card: RM300

    Waived for a minimum of 1 swipe every month each year

    Access to over 86 golf clubs around the world

    5 Treats AirMiles for every RM1 spent on overseas transactions

    5 Treats AirMiles for every RM2 spent on local transactions

    Principal card: RM1,000 for the first year Waived for a minimum spend of RM120,000 each year

    Supplementary card: Waived for the first 4 cards

    Earn 5x UniRinggit with all overseas spending

    Get double Air Miles redemption during your birthday month

    Get 3,000 Enrich Miles when you spend RM3,000 or more within the first 60 days

    Enjoy 4x complimentary access to airport lounges in Asia Pacific

    Convert your UniRinggit into AirMiles to enjoy discounted travel

    Get 4x Limo rides to KLIA and discount on fast track immigration services

    Principal card: RM600

    Supplementary card: RM300 Waived for a minimum spend of RM50,000 and above each year

    Plaza Premium Lounge access at 26 major airports across the world

    Earn 5 AmBonus Points on every RM1 spent overseas

    Principal card: Waived for life

    Supplementary card: Waived for life

    Best Premium Credit Cards

    Citi Prestige Credit Card

    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.

    Who Should Get It:

    Those who travel and shop overseas frequently.


    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 on every RM2 spent overseas.
    • Earn 1 WorldMiles on 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 programme 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 travel frequently.


    CIMB Visa INFINITE Credit Card

    The card that comes without any annual charges. You will earn Bonus Points in your dining and other expenses across the world.

    Key Benefits:

    • Enjoy 5x Bonus Points on all overseas and dining transactions.
    • Earn 1x Bonus Points on all other retail transactions.
    • Get a complimentary travel insurance worth RM1 million.
    Additional Points Description
    How to Use It
    • Utilise the card to get up to 50% discount on dining expenses in Singapore, Indonesia, and Malaysia.
    • Use the card to get exclusive discounts on airport rides between KLIA/KLIA2 and Kang Valley.
    • Pay for your flight tickets using the credit card to be eligible for the complimentary travel insurance.
    Good about It
    • Get up to a 50% discount at participating hotels across Malaysia, Singapore, and Indonesia.
    • Use the card to get travel assistance via Dedicated CIMB Premier Travel Desk while traveling across the globe.
    • Enjoy other CIMB Credit Card Privileges.
    Keep in Mind
    • You need to have a minimum annual income of RM120,000.
    • To get an automatic renewal of premium lounge access, you need to spend a minimum of RM100,000 p.a.

    Who Should Get It:

    Those who travel worldwide frequently.


    Hong Leong Visa Infinite Credit Card

    Along with no annual fees charged for both principal and supplementary cards, this credit card offers you many other privileges and benefits on it. Airport lounge access, travel insurance cover, and discounted rates are some of the available benefits on this card.

    Key Benefits:

    • Earn Enrich Miles on your local as well as overseas expenditure.
    • Enjoy automatic Enrich Miles conversion on your expenses.
    • Get up to 4 complimentary accesses to the Plaza Premium Lounges in Malaysia and Singapore.
    • Enjoy an automatic travel insurance of up to RM3 million.
    Additional Points Description
    How to Use It
    • Use the card to get preferential rates on foreign currencies at Hong Leong Bank Bureau de Change at KLIA2 and Penang International Airport.
    • Utilise the Visa Infinite Concierge Services available on the card.
    Good about It
    • Dedicated assistance of Hong Leong Premium Travel Desk for all your travel needs.
    • 24-hour assistance for card-related issues and services.
    Keep in Mind
    • You need to charge your full flight ticket to the card to get the complimentary travel insurance cover.
    • Minimum annual income requirement is RM150,000.

    Who Should Get It:

    Those who travel overseas regularly.


    HSBC Visa Signature Credit Card

    You can earn up to 8x Reward Points on this credit card on any purchases overseas, at local malls, or any online spend. Your expenses for other than these will also earn you reward points.

    Key Benefits:

    • Enjoy automatic flight and travel accident cover of up to RM750,000 when you charge your full flight ticket to the card.
    • Get discounts at more than 6,500 shopping centres across Malaysia.
    • Along with the 6x lounge access for the principal cardholder, get 25% discount on lounge access fee for accompanying guests.
    • Enjoy various other benefits under SmartPrivileges Programme.
    Additional Points Description
    How to Use It
    • Use this card for retail purchases and participating shopping malls.
    • Use the card for online purchases in local as well as foreign currencies.
    • Swipe the card for minimum 12 times in a year to get an annual fee waiver.
    Good about It
    • High rate of reward points on multiple transactions.
    • Complimentary travel insurance.
    • Enjoy a grace period of 20 days on all your shopping transactions.
    Keep in Mind
    • You must charge your full flight ticket to the card to enjoy the complimentary travel insurance cover.
    • You need to earn minimum RM72,000 p.a. to get this card.

    Who Should Get It:

    • Those who shop frequently.
    • Those who travel on a regular basis.

    Maybank World Mastercard Credit Card

    This credit card offers Treats AirMiles on your local as well as overseas transactions. Moreover, you can earn free flights using your accumulated Treats AirMiles. You can also enjoy other privileges such as airport lounge access and golf club access.

    Key Benefits:

    • Get 50% discount on dining and up to 20% off accommodation rates at all participating SPG Hotels and Resorts in Malaysia.
    • Enjoy a complimentary travel insurance cover of up to RM2 million when you charge the full flight ticket to the card.
    • Enjoy various golf club privileges at local and overseas golf clubs located at Thailand, Vietnam, Cambodia, Australia, United States of America, etc.
    • Enjoy complimentary access to Plaza Premium Lounges in Malaysia and abroad.
    Additional Points Description
    How to Use It
    • Use this credit card for your local and overseas transactions.
    • Convert/redeem your 6,360 Treats AirMiles for 1,000 Enrich Miles.
    Good about It
    • On card approval, you will get a bonus of 50,000 Treats AirMiles.
    • Treats AirMiles do not expire.
    • You can convert your earned Treats AirMiles into free flights.
    • You can customise the credit limit as per your requirement.
    Keep in Mind
    • You must have an annual income of RM120,000.
    • The dining and room accommodation privileges are confined to SPG Hotels and Resorts.

    Who Should Get It:

    Those who travel frequently.


    UOB Visa Infinite Credit Card

    This credit card offers a range of exclusive privileges and infinite rewards. The card gives you free access to prestigious members-only clubs.

    Key Benefits:

    • Enjoy 3,000 Enrich Miles on activation of the card if you spend RM3,000 over a period of 60 days from the approval date.
    • Enjoy up to 20% discount at more than 200 airport dining outlets.
    • Get a travel insurance cover of up to RM500,000.
    • Enjoy complimentary green fees for a year at participating golf clubs.
    Additional Points Description
    How to Use It
    • Use the card to enjoy ‘0% EPP’ for your education/medical fees or luxury purchases above RM10,000.
    • Use the card to enjoy complimentary membership and access to various members-only clubs.
    • Use the card to enjoy concierge services 24/7.
    Good about It
    • 25% discount on fast-track services for immigration.
    • Double AirMiles redemption during your birthday month.
    Keep in Mind
    • You must spend RM5,000 in a month to enjoy 4x Complimentary Limo Rides to KLIA.
    • Complimentary airport lounge access is applicable at participating/available airport lounges only.
    • The annual income requirement is RM120,000.

    Who Should Get It:

    Those who travel overseas frequently.


    AmBank World Mastercard Credit Card

    This card is available by invitation and offers you various privileges such as airport lounge access, golf benefits, travel insurance, etc.

    Key Benefits:

    • Enjoy tee off at participating premier golf courses across South East Asia. Get 50% discount on the green fee at these golf courses.
    • Enjoy fast-track conversion of your earned AmBonus Points to Air Miles.
    • Get Plaza Premium Lounge access at more than 26 key airports internationally.
    • Earn 5x AmBonus Points whenever you make a transaction outside Malaysia.
    Additional Points Description
    How to Use It
    • Use the AmBonus Points earned on the card to redeem free flights with more than 50 airline partners.
    • Use this card to get up to 25% discount for an accompanying guest at Plaza Premium Lounges.
    • Charge your flight tickets to the card to get complimentary Flight Delay Passes for up to 3 of your travel partners.
    Good about It
    • E-Commerce purchase protection and wallet guard services are offered on the card.
    • The MasterCard Customer Service and Concierge Service are available for your assistance 24/7.
    Keep in Mind
    • Complimentary Flight Delay Passes can be obtained only if your flight is delayed by 2 or more hours.
    • You need to charge your full airline ticket to the card to get the complimentary travel insurance.

    Who Should Get It:

    Those who travel frequently, both locally and overseas.


    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
    Citi Prestige Credit Card Unlimited visits to more than 800 VIP Lounges across the world
    HSBC Visa Signature Credit Card Up to 6x Plaza Premium Lounge access at select airports in Malaysia, Singapore, and Hong Kong
    Maybank World Mastercard Credit Card Access to over 86 golf clubs around the world
    UOB Visa Infinite Credit Card

    Earn 5x UniRinggit with all overseas spending

    Get double Air Miles redemption during your birthday month

    Get 3,000 Enrich Miles when you spend RM3,000 or more within the first 60 days

    Standard Chartered WorldMiles Mastercard Credit Card

    Unlimited Plaza Premium Lounge access at KLIA and KLIA2

    CIMB Visa INFINITE Credit Card 8x access to Plaza Premium Lounges
    Hong Leong Visa Infinite Credit Card

    4 visits to Plaza Premium Lounges across Malaysia

    AmBank World Mastercard Credit Card Plaza Premium Lounge access at 26 major airports across the world

    Looking for More

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