• 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. Points are rewarded for multiple categories such as shopping, dining, grocery, petrol and travelling expenses. Accumulate and redeem your points for gift vouchers, gadgets, travel offers and air miles.

    Consider the following cards offered by some of the top banks in Malaysia. These cards offer more reward points across all categories. Apart from rewards points, these cards also offer other benefits such as annual fee waiver, travel discounts, complimentary lounge access, free travel insurance and dining privileges. This guide will explain the benefits and features of the top rewards credit cards in Malaysia.

    Here are the Best Rewards Credit Cards in Malaysia 2018

    Updated on 9th May 2018

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

    5x Rewards Points for every RM1 spent at participating local malls

    8x Rewards Points for every RM1 spent on all overseas expenditures

    • 5x Citi Rewards Points for every RM1 spent on everyday local purchases at selected local supermarkets and stores
    • 1x Citi Rewards Points every RM1 spent on any other categories

    5x Citi Rewards Points for every RM1 spent on overseas expenditures

    • Up to 10x BonusLink Points for every RM10 spent at Shell Petrol stations, on Parkson purchases, groceries and online transactions.
    • Up to 3x BonusLink Points on each RM10 spent on local retail purchases

    Up to 3x BonusLink Points for every RM10 spent on overseas retail purchases

    1x UNIRinggit Reward Points for any qualifying expenditure using the card

    Up to 5x UNIRinggit for every RM1 spent on overseas retail transactions

    1x VIP Points for every RM1 spent on local retail purchases

    2x VIP Points for every RM1 spent on overseas retail purchases

    • 5x TreatsPoints on every RM1 spent on local expenses via the American Express card
    • 1x TreatsPoints for every RM1 spent on all local expenditures with Maybank 2 Mastercard and Visa Card

    • 5x TreatsPoints for every RM1 spent on overseas expenses via the American Express card
    • 1X TreatsPoints for every RM1 spent on all overseas expenditures with Maybank 2 Mastercard and Visa Card

    • 5x reward points for every RM1 spent on dining and department store purchases
    • 1x reward points for every RM1 spent on any other local expenditures

    5x reward points for every RM1 spent on overseas expenditures

    2x Timeless Bonus Points for every RM1 spent on local retail purchases

    5x Timeless Bonus Points for every RM1 spent on overseas retail purchases

    • 3x reward points for every RM1 spent on dining expenses
    • 2x reward points for every RM1 spent on shopping, insurance, and utilities
    • 1x reward points for every RM1 spent on all other retail expenses

    3x reward points for every RM1 spent on overseas retail expenditures

    • 1x Happy Points for every RM1 spent on local transactions
    • 2x Happy Points for every RM1 spent on local dining, golf, and travelling (participating merchants)

    2x Happy Points for every RM1 spent on overseas retail expenditures

    HSBC Visa Signature Credit Card

    This card offers rewards points for all local and overseas transactions. It also offers access to Premium Lounges across Asia along with other global privileges.

    • Get 8x reward points for every RM1 spent on overseas expenses including online transactions.
    • Earn 5x reward points for every RM1 spent on online expenses in local currency.
    • Get complimentary lounge access to the Plaza Premium Lounges located in Malaysia, Singapore, and Hong Kong.
    Additional Points Description
    How to Use It
    • Pay for your purchases using your HSBC Credit Card to earn rewards.
    • Check out the list of participating malls from the bank website to earn 5x reward points on your mall purchases
    • Use your card to obtain complimentary lounge accesses at the following airports: Hong Kong International Airport, Changi International Airport, and Kuala Lumpur International Airport.
    Good about It
    • Earn 1x reward points for every  RM1 spent on other purchases.
    • Earn additional reward points by using your card at participating merchants, for online transactions and overseas expenditures.
    • Supplementary cardholders can earn additional reward points.
    Keep in Mind
    • Minimum income must be RM72,000 p.a. to get this card.
    • Maximum additional reward points are capped to 30,000 for each customer.
    • Maximum of 6 visits (in a year) to the Plaza Premium Lounges.
    • Each Plaza Premium Lounge access is for a maximum of 3 hours per day.

    Who Should Get It

    Frequent travellers and those who indulge in international online shopping. The HSBC Visa Signature Credit Card offers reward points on your international purchases as well as online expenditures in multiple currencies. Get a waiver on the annual fee of RM636 by swiping your card at least once each month for an year. Choose this card if you are a frequent traveller and a regular spender.

    Citi Rewards Credit Card

    This card offers rewards points on local and overseas transactions. It also offers free travel insurance along with access to Premium Lounges in Malaysia.

    • Earn 5x Citi Rewards points for every RM1 spent at selected merchants.
    • Earn 5x Citi Rewards points for every RM1 spent on overseas purchases.
    • Get complimentary access to the Plaza Premium Lounge in Kuala Lumpur International Airport, upon presenting your card and an authentic boarding pass.
    • Enjoy complimentary personal accident insurance cover of up to RM50,000 while traveling overseas.
    Additional Points Description
    How to Use It
    • Swipe your card while making payments at any participating merchant outlet.
    • Use your card to pay for any local and overseas retail transactions.
    Good about It
    • Convert your earned reward points to payments for recent purchases in designated categories via Citibank Online.
    Keep in Mind
    • Cap on local supermarket purchases to earn rewards points is RM3,000 every month.
    • Cap on overseas retail purchases to earn rewards points is RM24,000 for each year.
    • Each overseas retail transaction must be above RM200 to earn rewards points.

    Who Should Get It

    Frequent overseas travelers and those who shop frequently at supermarkets and department stores. The Citi Rewards card offers reward points that do not expire. Redeem your accumulated points for air miles, hotel accommodations, merchandises and much more.

    This card offers double rewards points on local and online transactions. It also offers free travel insurance and an annual fee waiver.

    • Get two sets of BonusLink Points, one from the bank and the other from the merchant.
    • Earn 3 BonusLink Points for every RM10 spent on local retail and online transactions.
    • Get complimentary travel insurance cover up to RM500,000.
    Additional Points Description
    How to Use It
    • Pay with card at any participating merchant outlet to earn points.
    Good about It
    • Redeem your points on the spot at over 1,100 outlets across Malaysia.
    Keep in Mind
    • Reward points are valid only for 3 years.

    Who Should Get It

    Those who spend a lot on overseas and local purchases. The AmBank BonusLink Visa Gold Credit Card allows you to earn double bonus reward points. The annual fee for the first 2 years is waived. Swipe the card at least 12 times in a year for subsequent waiver.  

    UOB Visa Infinite Credit Card

    This card offers rewards points and air miles for overseas retail purchases. It also offers discount for limo rides and access to Premium Lounges across Asia.

    • Get up to 3,000 Enrich Miles for a minimum spend of RM3,000 within 60 days from the approval date.
    • Earn up to 100,000 UNIRinggit points for spending between RM50,000 to RM79,999 in a quarter.
    • Ear up to 200,000 UNIRinggit points for spending more than RM80,000 in a quarter.
    Additional Points Description
    How to Use It
    • Use your card during your birthday month to earn double air miles.
    • Combine your expenses for every quarter to earn maximum UNIRinggit points.
    Good about It
    • Get 20% discount on your overseas Airport Limo Transfers with prior reservation.
    • Enjoy 4x complimentary airport lounge access across selected Asia Pacific airports each year.
    Keep in Mind
    • Minimum annual income is  RM180,000 to get the card.
    • Only the first 200 principal cardholders are eligible to earn 100,000 UNIRinggit (UNIRM) Rewards Points.
    • Only the first 100 principal cardholders are eligible to earn 200,000 UNIRinggit (UNIRM) Rewards Points.

    Who Should Get It

    Frequent travelers and those who spend a lot on overseas retail transactions. The UOB Visa Infinite Credit Card offers you various exclusive privileges such as access to golf clubs, dining offers and discount on immigration services.

    Public Bank Quantum Visa Credit Card

    This card offers rewards points for local and overseas transactions along with cashback for entertainment purchases. It also offer a waiver for annual fees along with an easy instalment plan.

    • Earn 5% cashback on all entertainment and department store transactions.
    • Convert your purchases into an installment plan at 0% interest for a tenure of 12 months.
    Additional Points Description
    How to Use It
    • Use your card to pay for entertainment or departmental store purchases.
    Good about It
    • Get an annual fee waiver for life.
    • Use the contactless payment facility to save time at billing.
    Keep in Mind
    • The cashback is capped at RM30 for each month (per statement cycle).
    • The VIP Points earned on the card are valid for 3 years.

    Who Should Get It

    Frequent shoppers in and outside Malaysia. The Public Bank Quantum Visa Card does not charge any annual fees for the principal and the supplementary card. Get a secure chip and PIN facility to protect yourself from any fraud or unauthorised transactions.

    Maybank 2 Gold Card

    These cards offer rewards points for local and overseas purchases made on both cards. They also offer discount on dining and cashback for weekend transactions.

    • Get this card with a minimum annual income of RM30,000.
    • Enjoy the benefits of 2 cards (Maybank 2 Mastercard and Maybank 2 American Express Card) under one statement.
    • Get up to 5% cashback on weekend expenditure with the Maybank2 American Express Card.
    Additional Points Description
    How to Use It
    • Use your card at SPG Hotels and Resorts (Malaysia) to get up to 50% discount on your dining spends.
    Good about It
    • Get an annual fee waiver for lifetime for both principal and supplementary cards.
    Keep in Mind
    • No reward points for government agency transactions.
    • Cap on petrol transactions to earn rewards points is RM500 for each transaction.
    • 5% weekend cashback is capped at RM50 for every principal cardholder.

    Who Should Get It

    Those with a low-annual income. The Maybank 2 Gold Card is a convenient card with its low income limit and lifetime waiver on annual fees. Get this card easily even with less savings.

    Standard Chartered Visa Platinum Credit Card

    This card offers rewards points on all local and overseas retail categories. It also offers a waiver for annual fees along with a low income requirement.

    • Earn up to 5,000 points with minimum purchases of RM1,500 in a month.
    • Redeem your points for various products available on the rewards catalogue.
    Additional Points Description
    How to Use It
    • Use your card for every petrol, grocery, and pharmacy purchases to earn points.
    • Use your card for dining, department store, and overseas purchases to earn 5x points.
    • Spend a minimum of RM1,500 to qualify to earn 5,000 bonus points.
    Good about It
    • The card offers an annual fee waiver for life.
    • Get this card with a minimum annual income of RM24,000.
    Keep in Mind
    • Only retail purchases of minimum RM1,500 are eligible to get 5x reward points.

    Who Should Get It

    Those who spend more on groceries, dining, petrol, and overseas purchases. The Standard Chartered Visa Platinum Credit Card allows you to multiply your rewards points easily based on your spending pattern. Enjoy various features such as FlexiPay Plus, Cheque-On-Call Plus and Balance Transfer Plus.

    Alliance Bank Visa Infinite

    This card offers rewards points on local and overseas expenses. It also offers access to VIP lounges worldwide along with free travel insurance.

    • Get a free supplementary card with your Alliance Bank Visa Infinite Card.
    • Convert your Timeless Bonus Points (TBPs) into free flights and flight upgrades.
    • Get unlimited access to more than 850 VIP lounges across the globe with a complimentary Priority Pass Membership.
    Additional Points Description
    How to Use It
    • Use this card for quick purchases via Visa payWave.
    • Convert your bonus points into air miles and flight upgrades.
    Good about It
    • An annual fee waiver on the principal card for a minimum spend of RM30,000 each year.
    • Complimentary travel accident insurance cover up to RM2 million.
    Keep in Mind
    • No bonus points for petrol and government agency transactions.

    Who Should Get It

    Frequent travellers who prefer complimentary lounge access and air miles conversion facility. The Alliance Bank Visa Infinite card offers rewards points that do not expire. Use all accumulated points at any time to redeem air miles based on your travel schedule.

    RHB Platinum Credit Card

    This card offers rewards points on multiple retail categories such as dining, shopping and travel expenses. These points are rewarded for both local and overseas transactions. It also offers exclusive travel privileges such as lounge access and travel insurance.  

    • No green fees at participating golf clubs in Malaysia.
    • Get 25% discount on walk-in rates at local Plaza Premium Lounges.
    • Get 20% discount for access to Plaza Premium Lounges across the globe.
    Additional Points Description
    How to Use It
    • Use your card for dining expenditures during your birthday month to earn 5x reward points.
    • Get complimentary lounge facilities that include complimentary food and beverages, internet access, shower, and entertainment related amenities.
    Good about It
    • Enjoy an annual fee waiver on a minimum annual spend of RM24,000.
    • Get a complimentary travel insurance cover up to RM600,000.
    Keep in Mind
    • Reward points are not offered on petrol, government payments, cash advance, and charity related transactions.

    Who Should Get It

    Frequent traveller who want to earn reward points on their travels. The RHB Platinum card is ideal for traveling. Get multiple travel benefits to enjoy your travel. Redeem your points for exclusive travel privileges.

    BSN Platinum Mastercard Credit Card

    This card offers rewards points on all local and overseas retail transactions. It also offers points on golfing, travelling and rebates at toll booths along with free supplementary cards.

    • Redeem your Happy Points for dining and shopping vouchers, gifts, and Enrich Miles.
    • Obtain a complimentary BSN Zing PLUSMiles Card.
    Additional Points Description
    How to Use It
    • Use the BSN Zing PLUSMiles Card to get up to 5% toll rebates at selected highways with a monthly usage of RM100.
    • Use this card at selected partners to get 2x Happy Points on dining, golf, and traveling expenses.
    Good about It
    • Get as many as 5 free supplementary cards.
    • Get special privileges on travelling, dining, and accommodations at partnering merchants.
    Keep in Mind
    • Minimum annual income should be RM60,000.
    • Card is offered only to Malaysian citizens.

    Who Should Get It

    Those looking for premium privileges and offers. The BSN Platinum Credit Card offers provisions such as miles redemption along with a free travel-friendly card. Earn more rewards points on purchases in various categories.

    How to Choose the Best Rewards Card

    Choose an ideal rewards card based on your spending preference and pattern. Each card offers different number rewards points for various categories. As each card offers different benefits, compare all cards to pick one that is designed for your needs.

    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
    HSBC Visa Signature Credit Card

    Local Expenses: 5x reward points for every RM1 spent

    Overseas Expenses: 8x reward points for every RM1 spent

    Citi Rewards Credit Card

    Local Expenses: 5x Citi Rewards points for every RM1 spent

    Overseas Expenses: 5x Citi Rewards points for every RM1 spent

    AmBank BonusLink Visa Gold Credit Card Local & Online: 3 BonusLink Points for every RM10 spent
    UOB Visa Infinite Credit Card Local & Online: 3 BonusLink Points for every RM10 spent
    Public Bank Quantum Visa Credit Card Local & Entertainment: 5% cashback
    Maybank 2 Gold Credit Card Weekend Expenditure: 5% cashback (Maybank2 American Express Card)
    Standard Chartered Visa Platinum Credit Card Local Expenses: 5,000 points with minimum purchases of RM1,500 in a month
    Alliance Bank Visa Infinite Credit Card

    Local Expenses: 2x Timeless Bonus Points for every RM1 spent

    Overseas Expenses: 5x Timeless Bonus Points for every RM1 spent

    RHB Platinum Credit Card

    Local Expenses: 3x reward points for every RM1 spent(Dining), 2x reward points for every RM1 spent (Shopping), 1x reward points for every RM1 spent( Retail)

    Overseas Expenses: 3x reward points for every RM1 spent 

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