• Healthcare Credit Cards

    Credit Card
    Annual Fee
    Reward type
    Alliance Bank Allianz Insurance Gold
    Annual Fee:
    Free for Life
    Reward type:
    Alliance Bank Allianz Insurance Platinum
    Annual Fee:
    Free for Life
    Reward type:
    Citibank Cash Back Platinum
    Annual Fee:
    RM 195
    Reward type:
    Fuel, Groceries, Utilities, Shopping, HealthCare
    Mach Visa Credit Card
    Annual Fee:
    Annual Fee Waived for Life
    Reward type:
    Groceries, Shopping, LifeStyle HealthCare
    UOB Lady's Solitaire Card
    Annual Fee:
    RM 600
    Reward type:
    Fuel, HealthCare,Dining

    Healthcare Credit Cards Malaysia

    Did you know that, not only do credit cards offer cashless and carefree lifestyle but there are a few which also take care of those difficult times when you or your loved ones are in need of medical attention? These healthcare credit cards in Malaysia are exclusive and look to serve the medical aspect of the cardholder. There are several things that make things cards worth the application and can work like a medical insurance to a certain extent. However, note that they are no alternative for health insurance.

    Why Choose Healthcare Credit Cards?

    There are a few credit cards available in Malaysia which cater not only to all kinds of expenses but carry special privileges with respect to health and medical expenses.

    1. Offer discounts at various medical outlets, mostly at hospitals which the bank has tie-up with

    2. Offer customized health packages to customers

    3. Discounts and cashbacks on purchase of medications on select merchant stores

    4. Discounted room rates with partner hospitals and health centers

    5. Offer optional or compulsory health and accidental insurance schemes

    6. Some credit cards offer discounts and health packages for specific patients like cancer affected patients

    7. Many of the healthcare credit cards come clubbed with discounts and deals on various wellness centers as well

    Features and Benefits of Healthcare Credit Cards Based on Different Cards

    Some cards come with tie ups with numerous hospitals across Malaysia to provide discounts and offer exclusive healthcare packages designed especially for you to help you maintain your health.

    • Card holders may also avail a 20% discount on all executive screening packages and a 15% discount on room rates across hospitals.

    • The health packages provided can be chosen as per the requirement of the cardholder. This credit card also comes with an optional accidental insurance scheme too.

    • There are special privilege cards available for ladies only. These cards offer discounts on health screening packages (cancer affecting) for women.

    • Then there are cards which offer cashback of up to 10% at select healthcare outlets with the bank. These exclusive cards for female card owners offer great deals and discounts on a wide array of health and beauty products.

    Eligibility Criteria for Healthcare Credit Cards in Malaysia

    Here are some of the major eligibility criteria’s that you should meet to able to apply for a credit card for insurance benefits in Malaysia:

    • The applicant should at least be over 18 years.

    • The applicant should be a Malaysian citizen, or at least a permanent resident in the country or have a working visa. Regardless of any of them, they will have to provide the proof of identity and address as well as the extra documents necessary based on their type of residence.

    • The applicant should be earning the minimum income expectation for these cards. They are generally average but the applicant’s spending capacity through their income will also decide what your maximum spending limit is.

    How to Apply for Healthcare Credit Card

    The application process for these cards are quite similar to opening up savings bank account, as long as you have the required documentation to support your income, age, identity, address and spending capacity.

    • There are very rare chances that your application will be rejected when your eligibility criteria is met.

    • You credit history however, may be sometimes a problem but that is rarely the case.

    • You simply need to check out the bank website and apply online. Download the relevant form, fill it up sign it and submit it with the relevant documentation at your nearest bank branch.

    • Some banks also have agents and pick-up your furnished documentation from your convenient address.

    • It generally takes 15 to 20 days to receive the credit card through mail, but post-verification.

    • Some banks allow you to check details of acceptance and status online. Bbazzar.my has relevant information on application and various credit cards as well. Hence, it can be very useful for new credit card users.

    FAQs on Healthcare Credit Cards in Malaysia

    Where can I find information about the partner hospitals and outlets?

    It is generally available on the bank’s online portal. It’s always advisable to keep a hard copy of the list, or save it carefully. However, if you are unable to find it, you can always call up the toll free number, where the customer care executives are expected to give you information to the same. Infact, some may even direct you to the closest partner hospital or store if you provide your location.

    Are there special health care cards available only to a specific demographic?

    Yes, there are cards specifically designed for women only, catering specially to the health and beauty care needs of women in Malaysia.

    Do they work like a health insurance?

    They do have some cashless benefits with added coverage but they are no alternative to health or medical insurance in Malaysia.

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