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  • Best Rewards Credit Cards of 2018

    Rewards cards offer rewards points on card purchases that can be redeemed. Earn rewards points for every Ringgit you spend through your credit card. The advantages of owning rewards credit cards are plenty. Such cards let you earn points on purchases related to petrol, groceries, online stores, to name a few.

    Consider the following cards offered by some of the top banks in Malaysia. With a rewards card, you not only earn rewards for your local and overseas retail transactions, you also get many other privileges depending on the card you opt for. The following are some of the best rewards cards for Malaysians. Choose the one that suits your lifestyle requirements.

    Here are the Best Rewards Credit Cards in Malaysia 2018

    Updated on 4th September 2018

    Card Name
    Rewards Points for Local Expenses
    Rewards Points for Overseas Expenses
    Know More

    5x Citi Rewards points when you shop from participating merchant outlets.

    1x Citi Rewards points for every RM1 spent on all other local retail purchases.

    55x Citi Rewards points on overseas retail purchases.

    3x Reward Points for local hotels, airlines, duty-free, and dining.

    8x Reward Points for overseas retail transactions.

    2 TreatsPoints for every RM1 spent locally.

    1x TreatsPoints for utility bill payment, petrol purchases, fees paid to education establishments, EzyPay, and insurance premium payment.

    10,000 TreatsPoints upon card activation.

    5 TreatsPoints for every RM1 spent overseas.

    3x Rewards Points on all day dining.

    3x Rewards Points for all local weekend spends.

    1x Rewards Points on all other retail purchases.

    6x Rewards Points on overseas transactions

    1x Timeless Bonus Points (TBP) on each RM1 spent on local retail Purchases.

    3x Timeless Bonus Points (TBP) on each RM1 spent overseas.

    8x Reward Points on every transaction made at Mid Valley Megamall and The Gardens Mall.

    1x Reward Points on other retail transactions.

    5x Reward Points on every transaction made at participating partner outlets.

    None

    5x reward points for every RM1 spent on dining and departmental store purchases.

    1x reward points for all local expenditures with the principal or a supplementary card.

    5x reward points for every RM1 spent on overseas purchases.

    Citi Rewards Credit Card

    A great card for travellers, the Citi Rewards Credit Card lets you save more on your overseas expenses. You not only earn rewards for retail transactions, but also get travel insurance coverage and airport lounge access. Read further to learn more about the card.

    Key Benefits

    • Earn 5x Citi Rewards points on local retail purchases.
    • Earn 5x Citi Rewards points on overseas retail purchases.
    • The card comes with 2 variants - Visa Signature and World Mastercard.
    • Get complimentary access to Plaza Premium Lounge in Kuala Lumpur International Airport.
    • Get travel insurance of up to RM50,000 when you book your air tickets using your Citi Rewards card.
    • Enjoy exclusive healthcare privileges.
    Additional Points Description
    How to Use It
    • Use your card at participating partner outlets and for other local and overseas retail transactions to earn Citi Rewards points.
    • Redeem your Citi Rewards points against a wide range of lifestyle products and gift vouchers.
    • You can also pay for your purchases using your Citi Rewards points.
    • Additionally, you can reduce your credit card balance by offsetting your past retail purchases with your Citi Rewards points.
    Good about It
    • The Rewards points you earn never expire.
    • The maximum credit limit of this card is RM450,000.
    Keep in Mind
    • The minimum income requirement for this card is RM90,000 p.a.
    • You won't earn any Citi Rewards Points for government-related payments, petrol purchases, charity-related payments, and fees and charges paid to educational institutions.
    • You can earn 5x Citi Rewards points up to a maximum transaction of RM24,000 per year.

    Who Should Get It

    • Those who like to shop locally and overseas.
    • Those who travel frequently.

    RHB Premier Visa Infinite Credit Card

    RHB Premier Visa Infinite Credit Card offers rewards on both overseas and local retail transactions. It is ideal for those who like to shop overseas as you can earn 8x for overseas retail transactions. What’s more, this card is free for life and the Reward Points earned on this card never expires.

    Key Benefits

    • Earn 8x Reward Points for overseas retail transactions.
    • Earn 3x Reward Points for online purchases as well as local hotels, airlines, duty-free, and dining.
    • Earn 1x Reward Point for all other retail spends.
    • Enjoy unlimited Plaza Premium Lounge access in Malaysia, Singapore, Abu Dhabi, Hong Kong, London, and Taipei.
    • Enjoy golf privileges at participating golf clubs.
    • Get travel insurance coverage of up to RM2 million.
    Additional Points Description
    How to Use It
    • Use your RHB Premier Visa Infinite Credit Card to carry out overseas and local retail transactions and earn Reward Points.
    • Redeem the accumulated Reward Points on flight rewards and non-flight rewards. While flight rewards include air miles, which can be redeemed with frequent flyer programmes of participating airlines, non-flight rewards can be in the form of a gift voucher or letter of redemption. You can get vouchers on dining, shopping, and travel.
    • You can also redeem your Reward Points through on-the-spot redemption.
    Good about It
    • The Reward Points have lifetime validity.
    • The card is free for life.
    Keep in Mind
    • Reward Points are not applicable to government-related payments, cash advance, charity payments, and petrol purchases.

    Who Should Get It

    • Those who like to shop overseas.

    Maybank Visa Infinite Credit Card comes with a range of perks. You earn rewards for retail purchases, get access to Plaza Premium Lounges, and enjoy travel insurance coverage when you charge the air ticket with your card.

    Key Benefits

    • Earn 5 TreatsPoints for every RM1 spent overseas.
    • Earn 2 TreatsPoints for every RM1 spent locally.
    • Earn 1x TreatsPoints for utility bill payment, insurance premium payments, petrol purchases, fees paid to education establishments, and EzyPay.
    • Get 10,000 TreatsPoints upon card activation.
    • Enjoy golf and dining privileges.
    • Get free Plaza Premium Lounge access to local and international airports.
    • Get complimentary travel insurance coverage of up to RM2 million.
    Additional Points Description
    How to Use It
    • Use your card to carry out local and overseas retail transactions, as well as for bill payment, insurance payment, and petrol purchases to earn rewards.
    • Accumulate TreatsPoints and redeem them on a range of lifestyle items, gift vouchers, and air miles.
    Good about It
    • Earn rewards and many other privileges with this card.
    • You can redeem the accumulated TreatsPoints on a range of items.
    • This credit card offers high rewards for shopping.
    Keep in Mind
    • The minimum income requirement of this card is RM120,000 p.a.
    • TreatsPoints are valid for three years. All the unused TreatsPoints will be forfeited after three years.
    • You won’t earn any TreatsPoints for government-related payments.
    • The annual fee is waived for the first year. You can get a waiver for the subsequent years, provided you spend RM50,000 per annum.

    Who Should Get It

    • Those who like to shop.
    • Those who use their travel for their daily commute.

    Hong Leong Sutera Platinum Mastercard Credit Card

    Hong Leong Sutera Platinum Mastercard offers rewards points on local and overseas purchases, and for local weekend spends and all day dining. The card’s annual fee is waived for the first year.

    Key Benefits

    • Earn 6x Rewards Points for all overseas retail purchases.
    • Earn 3x Rewards Points for dining (all day).
    • Earn 3x Rewards Points for all local weekend spends.
    • Earn 1x Rewards Points on all other retail purchases.
    • Enjoy travel insurance coverage of up to RM1.7 million.
    • Get complimentary access to Plaza Premium Lounges.
    Additional Points Description
    How to Use It
    • Shop using your card and earn Rewards Points.
    • Redeem your Rewards Points on selected lifestyle items, gift vouchers, and air miles.
    • You can also use your Rewards Points to offset your card’s annual fee.
    Good about It
    • The minimum credit limit of the card is RM12,000.
    • You can earn Rewards Points for petrol purchases.
    Keep in Mind
    • The minimum income requirement for this card is RM60,000 p.a.
    • You won't earn Rewards Points for bank-related fees and charges and government-related payments.
    • The annual fee is waived for the first year, provided you perform at least one retail swipe within 45 days from the card approval date. The annual fees will be waived for the following years, provided you make a minimum spend of RM15,000 in a year.

    Who Should Get It

    • Those who shop regularly.
    • Those who spend overseas.

    Alliance Bank Platinum Card

    Platinum Card by Alliance Bank offers Timeless Bonus Points (TBP) on your local and overseas retail purchases. You can also get an annual fee waiver provided you meet certain criteria while using the credit card.

    Key Benefits

    • Earn 3x TBP on your overseas retail purchases.
    • Enjoy 1x TBP on your local retail transactions.
    • Get 2x TBP when you spend on petrol, groceries, and other utilities.
    Additional Points Description
    How to Use It
    • Use this card to purchase grocery, petrol, as well as for overseas retail purchases to earn rewards.
    • Redeem your earned rewards points to get air miles redemption facility.
    Good about It
    • Enjoy exclusive privileges and discounts at participating merchants.
    • Get Instalment Payment Plan (IPP) at the rate of 0% p.a. at selected merchants.
    • Earn TBPs that do not expire.
    • You can redeem rewards points for air miles.
    • Get an annual fee waiver on meeting certain criteria.
    Keep in Mind
    • TBPs are not applicable for any government related transactions.
    • Your annual income needs to be minimum RM60,000 to get this card.
    • To get an annual fee waiver, you need to spend a minimum of RM5,000 or make 12 swipes within one year.

    Who Should Get It

    • Those who regularly travel overseas.
    • Those who make retail purchases frequently.

    HSBC Visa Platinum Credit Card

    The credit card lets you earn reward points when you use it at participating merchants or at other retail outlets. You can also get several other privileges and benefits using this card.

    Key Benefits

    • Enjoy 8x Reward Points for purchases at Mid Valley Megamall and The Gardens Mall.
    • Get 5x Reward Points on transactions made at other participating malls in Malaysia.
    • Get 1x Reward Points on all other retail transactions.
    • Enjoy exclusive offers and discounts on a range of shopping outlets in the country when you shop with this card.
    • Platinum credit cardholders are automatically entitled to the HSBC Rewards Programme.
    Additional Points Description
    How to Use It
    • Use the card at participating partner outlets to earn reward points.
    • Use this credit card to pay for your local and overseas expenses.
    • You can utilise the HSBC Cash Advance programme facility to get instant cash.
    Good about It
    • High reward points when you shop at participating partner outlets.
    • An annual fee waiver if you spend using this card at least once a month in a 12-month period.
    • A grace period of 20 days on all your shopping purchases.
    Keep in Mind
    • The minimum income requirement to get this card is RM36,000 p.a.
    • You will not earn reward points on government-related transactions, charity payments, and bank-related fees and charges.
    • Validity of reward points is of 3 years

    Who Should Get It

    • Those who want to save more on shopping.

    Standard Chartered Visa Platinum Credit Card

    You can earn reward points with this card on all your local and overseas retail transactions. It also comes with an annual fee waiver and low annual income requirement.

    Key Benefits

    • Earn up to 5,000 points with purchases of more than RM1,500 in a month.
    • Redeem your points for several products available on the rewards catalogue.
    • Earn 5x points for dining, departmental store, and overseas shopping transactions.
    • Earn 1x points for all other local spends.
    Additional Points Description
    How to Use It
    • Use your card for purchasing groceries, petrol, and pharmacy-related transactions to earn points.
    • Use this credit card for dining, departmental store transactions, and overseas purchases to earn 5x points.
    • Spend a minimum of RM1,500 in a month to qualify to earn 5,000 bonus points.
    Good about It
    • The card offers an annual fee waiver for life.
    • Minimum annual income requirement is RM24,000.
    Keep in Mind
    • Only retail purchases of minimum RM1,500 are eligible to get 5,000 bonus points.

    Who Should Get It

    • Those who spend regularly on dining, groceries, petrol, and overseas purchases.

    How to Choose the Best Rewards Card

    Compare the cards in terms of reward points and other privileges they come with and choose the one that suits your lifestyle needs. Some cards might come with an annual fee waiver and that can be an added benefit; so select your card wisely!

    If you want to know more about other categories, check the best cashback credit cards or the best shopping credit cards.

    BBazaar's Best Rewards 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 Rewards Points
    Citi Rewards Card

    Local Expenses: 5x Citi Rewards points when you shop from participating merchant outlets.

    Overseas Expenses:  5x Citi Rewards points on overseas retail purchases.

    RHB Premier Visa Infinite Credit Card

    Local Expenses: 3x Reward Points for local hotels, airlines, duty-free, and dining.

    Overseas Expenses: 8x Reward Points for overseas retail transactions.

    Maybank Visa Infinite Credit Card

    Local Expenses: 2 TreatsPoints for every RM1 spent locally.

    Overseas Expenses: 5 TreatsPoints for every RM1 spent overseas.

    Hong Leong Sutera Platinum Mastercard Credit Card

    Local Expenses: 3x Rewards Points on all day dining.

    Overseas Expenses:  6x Rewards Points on overseas transactions

    Alliance Bank Platinum Card

    Local Expenses: 1x Timeless Bonus Points (TBP) on each RM1 spent on local retail Purchases.

    Overseas Expenses:  3x Timeless Bonus Points (TBP) on each RM1 spent overseas.

    HSBC Visa Platinum Credit Card

    8x Reward Points on every transaction made at Mid Valley Megamall and The Gardens Mall.

    None

    Standard Chartered Visa Platinum Credit Card

    5x reward points for every RM1 spent on dining and departmental store purchases.

    5x reward points for every RM1 spent on overseas purchases.

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