• Travel Credit Cards

    A travel credit card is preferred by frequent travellers because it offers air miles, frequent flyer miles, or travel miles whenever you charge your travel tickets to the card. You also get free airport lounge access, complimentary limo rides, along with travel and accident insurance on your travel credit card. The card also gives you an opportunity to earn reward points/loyalty points that you can redeem for gifts, airfare, etc.

    Compare Travel Credit Cards In Malaysia

    Card Name
    Annual Fee
    Interest Rate
    Standard Chartered WorldMiles World MasterCard
    • Every RM2 spent overseas will earn you 3 WorldMiles on the card
    • You can convert your WorldMiles into Air Miles as 2 WorldMiles add up to 1 Air Mile from a frequent flyer programme of your choice
    • Annual fee waived for the first year
    • RM636 for every subsequent year
    15% p.a. to 18% p.a.
    Maybank Visa Signature
    • You can access fast track immigration at over 280 international airports with Visa Airport Speed Pass
    • You can access concierge services anytime around the world via Concierge Online
    • Waived for the first year
    • RM550 for subsequent year (waived if minimum spend on the card is RM30,000 p.a. or more)
    15% p.a. to 18% p.a.
    HSBC Visa Signature
    • You can get 8X reward points on international expenses and online purchases in foreign currency
    • You can get complimentary lounge access to Plaza Premium Lounges in Malaysia, Singapore, and Hong Kong
    • RM636
    • Waived if the card is swiped once every month for a period of 12 successive months
    15% p.a. to 18% p.a.
    Citi PremierMiles Visa Credit Card
    • You can get 2 PremierMiles for every RM3 spent on the card internationally
    • On every RM3 spent locally, you will earn 1 PremierMile
    • The PremierMiles you have earned do not have an expiry date
    • RM636
    • No annual fee charged for supplementary card
    15% p.a. to 18% p.a.
    CIMB Enrich World MasterCard
    • You can get 1 Bonus Mile for every RM1.50 spent overseas and 1 Bonus Mile for every RM3 spent locally
    • The card offers you priority booking access to promotions from Malaysia Airlines 4 hours before it opens for the public
    • A travel insurance cover of up to RM1 million is provided when you charge your airfare solely to the card
    • RM588
    • Waived for supplementary card
    15% p.a. to 18% p.a.
    Public Bank World MasterCard Credit Card
    • Overseas retail transaction on the card will earn you 3X Air Miles Points
    • You will get 1X Air Miles Point for every RM1 spent on local retail purchases. Here, 6,000 Air Miles points can be redeemed for 1,000 Enrich Miles
    • Waived for life
    15% p.a. to 18% p.a.
    Maybank 2 Cards Premier Credit Card
    • On every RM1 spent on the card, you will earn 5 TreatPoints
    • You can redeem 1,000 Air Miles with 4,770 TreatsPoints
    • You can get a personal accident and travel insurance worth RM2 million when you purchase airfare solely using the card
    • RM800
    • Waived for first year
    • For subsequent years, the fee is waived when the card is charged with a minimum spend of RM80,000 p.a.
    15% p.a. to 18% p.a.
    Citi Rewards Credit Card
    • You can earn 5X Citi Rewards Points for every RM1 spent overseas
    • You can also convert your points to pay for your purchases
    • RM636 for principal card
    • RM159 for supplementary card
    15% p.a. to 18% p.a.
    Public Bank Visa Signature
    • You will get 1 VIP Point for each RM1 spent on retail transactions and these VIP points are redeemable for Air Miles
    • You can enjoy 2X complimentary access to any Malaysia Plaza Premium Lounge
    • Free automatic travel insurance cover of RM500,000 when the card is used solely to purchase airfare
    • Waived for the first year
    • Subsequent annual fees are waived when the card is swiped at least 12 times in the year
    15% p.a. to 18% p.a.
    AmBank Visa Infinite
    • You can earn 5 AmBonus Points on each RM1 you spend on the card overseas
    • You can convert 5,000 AmBonus Points into 1,000 Air Miles
    • Waived
    15% p.a. to 18% p.a.

    Why Choose A Travel Credit Card?

    A travel credit card is a good way to manage your expenses when you are travelling as the card offers an array of discounts and perks. Many banks and financial institutions offer travel credit cards that have an annual fee waiver or provide an easy way to obtain the fee waiver. Moreover, often you can utilise your air miles for traveling which makes the card even more efficient.

    Features And Benefits Of Travel Credit Card

    • The card comes with privileges like free airport lounge access and airport rides.
    • A travel credit card also offers rewards and cashback on other retail purchases.
    • You can access personal travel and accident insurance up to RM2 million via your card. The insurance also provides you a cover for flight delay, loss of luggage, etc.
    • One of the prime features of a travel card is that it offers air miles. Travel credit cards allow you to earn miles either directly from a partnering airline or redeem the miles earned for air miles from select frequent flyer programs.


    Q. How are the interest rates on the credit card decided?

    A. Banks offer you an interest rate based on your repayment behaviour. For cardholders who have made prompt minimum monthly payments on or before the due date for 12 consecutive months, an interest rate of 15% p.a. is offered. For cardholders who have made prompt minimum monthly payments on or before the due date for at least 10 consecutive months in a 12-month cycle, an interest rate of 17% p.a. is offered. If cardholders do not belong to either of the above categories, an interest rate of 18% p.a. is charged.

    Q. What documents do I require to obtain a travel credit card?

    A. You will need a copy of your NRIC or MyKad. You will also need to present your bank account statements and salary slips while obtaining a credit card. Your bank representative will inform you if you need to provide any other essential document.

    Q. I am a Malaysian citizen working in Singapore. Can I get a credit card from a bank in Malaysia?

    A. Yes, as a Malaysian citizen, you are eligible to get a credit card from a bank in Malaysia.

    Q. What is the minimum income requirement for a travel credit card?

    A. Income requirements vary depending on the credit card issuer and the perks offered by the card. Basic travel credit cards have income requirements starting from RM24,000 p.a. or RM2,000 per month and can go as high as RM120,000 for premium travel credit cards.

    Q. Can i increase the credit limit on my travel credit cards?

    A. Yes. You can put in a request to the bank to have your credit limit increased. Your application will be reviewed by the bank and could potentially increase your credit limit provided that you have maintained a healthy credit score and have been prompt in your monthly payments.  

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