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  • Best Student Credit Cards of 2018

    Student Credit Cards

    There are not many credit cards in Malaysia that are designed specifically for students. The list of credit cards described below are the cards suitable for students having some form of income. You can choose one of these cards even if you have just started a job after completing your education.

    Here are the Best Student Credit Cards in Malaysia 2018

    Updated on 10th October

    Card Name
    Rewards
    Minimum Income Criterion
    Annual Fee
    Know More

    Up to 5x TreatsPoints on every RM1 spent in Malaysia and overseas.

    (Rewards)

    RM30,000.

    (Minimum Income)

    Waived for life.

    (Annual Fee)

    None.

    (Rewards)

    RM24,000.

    (Minimum Income)

    Waived for life.

    (Annual Fee)

    1 Bonus Point on every RM1 spent.

    (Rewards)

    RM24,000.

    (Minimum Income)

    Waived for life.

    (Annual Fee)

    1 AmBonus Point when you spend every RM1.

    (Rewards)

    RM24,000.

    (Minimum Income)

    Waived for life.

    (Annual Fee)

    1 Rewards Point for every RM1 spent on retail purchases.

    (Rewards)

    RM24,000.

    (Minimum Income)

    RM160.

    (Annual Fee)

    Maybank 2 Gold Card

    The Maybank 2 Gold Card provides you two credit cards—Maybank 2 American Express Card and Maybank 2 Mastercard/Visa card. Enjoy the benefits offered by both the cards in one sign-up.

    Key Benefits

    • Earn 5x TreatsPoints on every RM1 spent with the American Express card locally and overseas.
    • Earn 1x TreatsPoints on every ringgit spent with the Mastercard/Visa card.
    • Get 5% weekend cashback when you spend with the American Express card.
    Additional Points Description
    How to Use It
    • Use the Maybank 2 Gold Cards to pay your bills locally and overseas.
    • Collect TreatsPoints on your retail spend.
    • Redeem gadgets, electrical appliances, home essentials, and vouchers.
    Good about It
    • Get up to 50% discount when you dine or stay at SPG Hotels & Resorts.
    • Petrol transactions up to RM500 will fetch you 5x TreatsPoints. For transactions above RM500, you will earn 1x TreatsPoints.
    Keep in Mind
    • The weekend cashback is capped at RM50 per month per customer.
    • No TreatsPoints are awarded for government-related transactions.

    Who Should Get It

    • Those who spend on retail purchases in Malaysia and overseas

    Hong Leong Bank I’m Credit Card

    The Hong Leong Bank I’m Credit Card is ideal for a person who is new to credit cards. The card does not offer any rewards for the money spent on the card. However, you can use the card to build your credit history in the initial stages of your work-life.

    Key Benefits

    • Get unlimited access to online and mobile banking.
    • Option to personalise the card.
    Additional Points Description
    How to Use It
    • Pay your retail purchase bills with the card.
    Good about It
    • Overseas transaction markup fee is not charged.
    • There are no conditions attached to the annual fee waiver.
    Keep in Mind
    • You have to pay a one-time joining fee of RM20.

    Who Should Get It

    • Those who have an income equivalent to RM24,000 p.a.
    • Those who make retail purchases .

    CIMB Islamic Bank Platinum Credit Card

    The card is an Islamic credit card that operates based on the Ujrah concept of the Shariah system.

    Key Benefits

    • Earn 1 Bonus Point on every RM1 spent on all transactions.
    • Get automatic complimentary travel takaful coverage of up to RM1 million.
    Additional Points Description
    How to Use It
    • Pay with the CIMB Islamic Bank Platinum Credit Card for all your retail purchases.
    • Collect Bonus Points on your retail transactions.
    • Use the Bonus Points to redeem gifts and vouchers available on the rewards redemption catalogue.
    Good about It
    • Get a Touch ‘n Go Zing Card with the credit card.
    • Enjoy the exclusive offers and privileges of CIMB Credit Card-i.
    Keep in Mind
    • The takaful coverage is applicable only when you charge the full flight fare to your card.

    Who Should Get It

    • Those who spend on retail purchases.
    • Those who travel overseas.

    AmBank Gold Credit Card

    The AmBank Gold Credit Card comes with two variants—Mastercard and Visa. However, both the variants offer the same set of benefits.

    Key Benefits

    • Earn 1 AmBonus Point when you spend RM1 on retail purchases.
    • Get a travel insurance coverage of RM500,000.
    Additional Points Description
    How to Use It
    • Use the card to pay for your retail purchases.
    • Accumulate AmBonus Points on every ringgit spent.
    • Redeem AmBonus Points for air miles, vouchers, and gifts available on the AmBonus Rewards Catalogue.
    • On-the-spot redemption facility is also available starting with 1,500 AmBonus Points.
    Good about It
    • The retail purchases made at select merchant partners can be converted into a monthly instalment scheme of up to 36 months. The applicable interest rate is 0%.
    Keep in Mind
    • The travel insurance is offered only if the entire flight fare is paid with your card.

    Who Should Get It

    • Those who make retail purchases regularly.

    Hong Leong Bank Gold Credit Card

    The card has low minimum annual income requirement. So, students can sign up for the card. Read through to know more about the benefits offered by the card.

    Key Benefits

    • Earn 1 Rewards Point when you spend every RM1 on retail purchases.
    • Get a repayment period of 6 or 12 months at 0% interest rate.
    • Get a travel insurance cover of up to RM750,000.
    Additional Points Description
    How to Use It
    • Pay your retail bills with the Hong Leong Bank Gold Credit Card.
    • Collect Rewards Points on every retail spend.
    • Redeem the Rewards Points for gifts, air miles, or vouchers.
    Good about It
    • Get access to cash whenever you need.
    • Get a personalised customer service assistance between 8:00 a.m. to 11:00 p.m. every day.
    Keep in Mind
    • The annual fee is waived for the first year if you swipe the card at least once within 45 days from the card issue date.
    • The annual fee for the second year onwards will be waived if you pay for a minimum of 12 retail purchases or make a retail spend of RM8,000 in the past 12 months.

    Who Should Get It

    • Those who spend on retail purchases regularly.

    How to Choose the Best Student Credit Card?

    You need to have some form of income if you are a student. If you are out of college and have just started working, then collect 3 months’ salary slip to apply for a credit card. Check for the annual income requirement and go ahead only if you qualify. Choose a card that offers higher rewards at low or no annual fee.

    If you are interested in other types of card, check the best petrol credit cards and the best shopping credit cards

    BBazaar's Best Student 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
    Maybank 2 Gold Card

    Up to 5x TreatsPoints on every RM1 spent in Malaysia and overseas.

    Hong Leong Bank I’m Credit Card

    None.

    CIMB Islamic Bank Platinum Credit Card

    1 Bonus Point on every RM1 spent.

    AmBank Gold Credit Card 1 AmBonus Point when you spend every RM1.
    Hong Leong Bank Gold Card

    1 Rewards Point for every RM1 spent on retail purchases.

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