Best Credit Cards in Malaysia 2026

📊 Updated April 2026 — Compare the best credit cards in Malaysia by cashback, rewards, annual fee, and minimum income. All data verified from official bank websites.

Credit Card	Bank	Type	Key Benefits	Annual Fee	Min. Annual Income△	Apply
Maybank 2 Gold Cards Best Entry Cashback	Maybank	Cashback	5% cashback on weekends: dining, groceries & petrol 0.2% cashback on all weekday spend (unlimited) Petron & PETRONAS fuel savings Permanently free — no annual fee ever	Free	RM24,000/yr	Apply Now
Maybank 2 Platinum Cards	Maybank	Cashback	5% cashback on weekends: dining, groceries & petrol 0.2% cashback on weekdays (unlimited) Higher credit limit than Gold tier Annual fee waived with min. RM12,000/yr spend	Free*	RM36,000/yr	Apply Now
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i Best PETRONAS Card	Maybank Islamic	PetrolCashbackIslamic	8% cashback on petrol at PETRONAS (capped RM50/mo) 5% cashback on groceries & dining 0.2% cashback on other spend 100% Shariah-compliant (Tawarruq) Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
Maybank Shopee Visa Platinum Best for Shopee	Maybank	Cashback	10% cashback on Shopee purchases (capped RM50/mo) 3% cashback on online shopping 1% cashback on all other spend Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
Maybank Grab Mastercard Platinum Best for Grab Users	Maybank	Cashback	10% cashback on GrabFood, GrabCar & GrabMart (capped RM30/mo) 5% cashback on petrol & groceries 0.2% cashback on other spend Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
Maybank Visa Signature	Maybank	MilesTravel	5x TreatsPoints per RM1 spent overseas 1x TreatsPoint per RM1 local spend Convert TreatsPoints to Enrich Miles or AirAsia BIG Points Complimentary travel insurance & purchase protection Annual fee waived with min. RM50,000/yr spend	Free*	RM60,000/yr	Apply Now
Maybank World Elite Mastercard Best Premium Travel	Maybank	MilesTravel	8x TreatsPoints per RM1 spent overseas 3x TreatsPoints per RM1 local spend 16 complimentary Plaza Premium lounge visits/yr Travel insurance up to USD1,000,000 Annual fee waived with min. RM120,000/yr spend	Free*	RM190,000/yr	Apply Now
Maybank Islamic Ikhwan Mastercard Gold Card-i Best Islamic Entry	Maybank Islamic	IslamicCashback	5% cashback on weekends: dining, groceries & petrol 0.2% cashback on weekday spend 100% Shariah-compliant — no riba Takaful personal accident coverage Permanently free — no annual fee ever	Free	RM24,000/yr	Apply Now
HSBC Live+ Credit Card Best Dining Cashback	HSBC	Cashback	8% cashback on dining, entertainment & shopping (capped RM50/mo) 0.5% cashback on all other spend (unlimited) Discounts at 900+ dining partners across Asia via HSBC Live+ Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
HSBC TravelOne Credit Card Best Miles Card	HSBC	MilesTravel	8x Air Miles per RM1 spent overseas 1.2x Air Miles per RM1 spent locally Transfer to 10+ airlines: AirAsia BIG, Enrich (MAS), KrisFlyer (SIA), Asia Miles & more 6 complimentary Plaza Premium lounge visits/yr Free travel insurance up to USD250,000 (incl. COVID-19)	RM318/yr	RM60,000/yr	Apply Now
HSBC Visa Signature Credit Card	HSBC	MilesRewards	8x Reward Points per RM1 overseas & online 5x Reward Points per RM1 on local purchases Points never expire — redeem anytime Convert to Enrich, KrisFlyer & Asia Miles 3 complimentary airport lounge visits/yr Annual fee waived with min. RM60,000/yr spend	Free*	RM102,000/yr	Apply Now
HSBC Amanah MPower Platinum Credit Card-i Best Islamic Cashback	HSBC Amanah	CashbackIslamic	8% cashback on petrol & groceries (capped RM50/mo) 0.5% cashback on all other spend 100% Shariah-compliant structure Lifetime annual fee waiver (permanently free)	Free	RM24,000/yr	Apply Now
HSBC Premier World Mastercard Credit Card Best HSBC Premier	HSBC	MilesTravel	10x Reward Points per RM1 overseas spend 5x Reward Points per RM1 local spend Unlimited Plaza Premium lounge access (Premier Banking clients) Complimentary travel insurance up to USD1,000,000 Annual fee waived for HSBC Premier customers	Free*	RM120,000/yr	Apply Now
CIMB PETRONAS Visa Platinum-i Best CIMB Petrol	CIMB	PetrolCashback	8% cashback at PETRONAS stations (capped RM30/mo) 2% cashback on groceries & utilities (capped RM30/mo) 0.2% cashback on all other retail spend Annual fee waived with min. RM3,000/yr spend	Free*	RM24,000/yr	Apply Now
CIMB Cash Rebate Platinum Credit Card Best CIMB Cashback	CIMB	Cashback	10% cashback on petrol (capped RM20/mo) 5% cashback on groceries & utilities (capped RM20/mo) 0.2% cashback on all other spend Annual fee waived with min. RM5,000/yr spend	Free*	RM24,000/yr	Apply Now
CIMB e Credit Card Best for Online Spend	CIMB	Cashback	2% cashback on all online transactions (unlimited, no cap) 0.5% cashback on all other spend No min. spend required Annual fee waived with min. RM5,000/yr spend	Free*	RM24,000/yr	Apply Now
CIMB Travel World Credit Card Best CIMB Miles	CIMB	MilesTravel	5x CIMB Points per RM1 spent overseas 1x CIMB Point per RM1 local spend Transfer points to Enrich, KrisFlyer & Asia Miles 6 complimentary airport lounge visits/yr Free travel insurance up to RM1,000,000 Annual fee waived with min. RM50,000/yr spend	Free*	RM60,000/yr	Apply Now
CIMB Travel World Elite Credit Card Top CIMB Premium	CIMB	MilesTravel	10x CIMB Points per RM1 spent overseas 2x CIMB Points per RM1 local spend Unlimited airport lounge access (LoungeKey) Free travel insurance up to RM2,000,000 Annual fee waived with min. RM120,000/yr spend	Free*	RM120,000/yr	Apply Now
CIMB PETRONAS Visa Infinite-i	CIMB Islamic	PetrolIslamic	8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend) 5% cashback on groceries & utilities Shariah-compliant — Tawarruq structure Airport lounge access (6 visits/yr) Annual fee waived with min. RM50,000/yr spend	Free*	RM60,000/yr	Apply Now
Public Bank Quantum Visa / Mastercard Best PBB Entry Card	Public Bank	Cashback	5% cashback on online spend, contactless & grocery 0.5% cashback on all other spend Capped at RM30/mo cashback per category Permanently free — no annual fee ever	Free	RM24,000/yr	Apply Now
Public Bank Petron Visa Gold Best Petron Card	Public Bank	PetrolCashback	5% cashback at Petron stations (capped RM30/mo) 0.5% cashback on other petrol brands 0.2% cashback on all other spend Annual fee waived with min. RM6,000/yr spend	Free*	RM24,000/yr	Apply Now
Public Bank Visa Platinum	Public Bank	Rewards	5x Rewards Points per RM1 overseas spend 1x Rewards Point per RM1 local spend Redeem points for Air Miles (Enrich, KrisFlyer) Complimentary travel accident insurance Annual fee waived with min. RM12,000/yr spend	Free*	RM36,000/yr	Apply Now
Public Bank Visa Signature Best PBB Miles	Public Bank	MilesTravel	8x Rewards Points per RM1 overseas & online 2x Rewards Points per RM1 local spend Convert to Enrich Miles or AirAsia BIG Points 2 complimentary airport lounge visits/yr Annual fee waived with min. RM50,000/yr spend	Free*	RM60,000/yr	Apply Now
Public Bank Visa Infinite Best PBB Premium	Public Bank	MilesTravel	10x Rewards Points per RM1 overseas 3x Rewards Points per RM1 local spend 6 complimentary airport lounge visits/yr Travel insurance up to RM1,000,000 Annual fee waived with min. RM120,000/yr spend	Free*	RM120,000/yr	Apply Now
RHB Shell Visa Credit Card Highest Cashback Rate	RHB	PetrolCashback	12% cashback at Shell stations (capped RM30/mo) 2% cashback on groceries & online spend Shell SmartPoints fuel savings Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
RHB Cash Back Visa Credit Card	RHB	Cashback	5% cashback on petrol, groceries & utilities (capped RM50/mo) 1% cashback on dining & shopping 0.5% cashback on all other spend Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
RHB Rewards Visa / Mastercard	RHB	Rewards	5x Bonus Points per RM1 on dining, petrol & groceries 1x Bonus Point per RM1 on all other spend Redeem points for vouchers, merchandise & travel Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
RHB Visa Signature Best RHB Miles	RHB	MilesTravel	5x Bonus Points per RM1 overseas spend 1x Bonus Point per RM1 local spend Convert to Enrich Miles or AirAsia BIG Points 2 complimentary airport lounge visits/yr Annual fee waived with min. RM50,000/yr spend	Free*	RM60,000/yr	Apply Now
RHB World Mastercard	RHB	MilesTravel	8x Bonus Points per RM1 overseas spend 2x Bonus Points per RM1 local spend 6 complimentary airport lounge visits/yr Travel insurance up to RM1,000,000 Annual fee waived with min. RM100,000/yr spend	Free*	RM120,000/yr	Apply Now
RHB Visa Infinite / Premier Infinite Top RHB Premium	RHB	MilesTravel	10x Bonus Points per RM1 overseas spend 3x Bonus Points per RM1 local spend Unlimited airport lounge access (LoungeKey) Travel insurance up to RM2,000,000 Annual fee waived with min. RM150,000/yr spend	Free*	RM180,000/yr	Apply Now
Standard Chartered Simply Cash Best SC Cashback	Standard Chartered	Cashback	15% cashback on dining & petrol (capped RM100/mo) 1.5% cashback on all other spend (unlimited, no cap) No category restrictions on base 1.5% cashback Annual fee waived with min. RM20,000/yr spend	Free*	RM96,000/yr	Apply Now
Standard Chartered Journey Credit Card Best SC Miles	Standard Chartered	MilesTravel	Unlimited Plaza Premium lounge access (cardholder + 1 guest) 5x rewards points per RM1 overseas spend 1x rewards point per RM1 local spend Free travel insurance up to USD500,000 Annual fee waived with min. RM60,000/yr spend	Free*	RM96,000/yr	Apply Now
Standard Chartered Visa Platinum	Standard Chartered	Rewards	5x Rewards Points per RM1 on dining & petrol 1x Rewards Point per RM1 on all other spend Redeem points for cash, vouchers or air miles Annual fee waived with min. RM12,000/yr spend	Free*	RM36,000/yr	Apply Now
Standard Chartered Priority Banking Visa Infinite SC Ultra Premium	Standard Chartered	MilesTravel	Unlimited airport lounge access worldwide (LoungeKey) 10x rewards points per RM1 overseas spend 3x rewards points per RM1 local Travel insurance up to USD2,000,000 Dedicated Priority Banking concierge service	Free*	RM180,000/yr	Apply Now
Standard Chartered Smart Credit Card	Standard Chartered	Cashback	3% cashback on groceries, dining & online shopping 0.3% cashback on all other spend No minimum spend required Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
UOB ONE Card Best Tiered Cashback	UOB	Cashback	Up to 10% cashback on petrol, dining & groceries 5% cashback at RM500/mo spend; 10% at RM1,000/mo spend Min. 3 transactions/month required to qualify Annual fee waived with min. 12 transactions/mo	Free*	RM36,000/yr	Apply Now
UOB EVOL Card Best for Digital Spend	UOB	Cashback	8% cashback on Grab, Shopee, Lazada & food delivery 0.3% cashback on all other spend No min. spend required for base cashback Annual fee waived with min. RM3,000/yr spend	Free*	RM24,000/yr	Apply Now
UOB Simple Card Best No-Frills Card	UOB	Cashback	3% cashback on all spend (capped RM30/mo) No minimum spend requirement Simple flat-rate cashback on everything Annual fee waived with min. RM3,000/yr spend	Free*	RM24,000/yr	Apply Now
UOB PRVI Miles Card Best UOB Miles	UOB	MilesTravel	3 miles per RM1 spent overseas 1.2 miles per RM1 spent locally No points expiry Transfer to Enrich, KrisFlyer, Asia Miles & 20+ programmes Annual fee waived with min. RM50,000/yr spend	Free*	RM60,000/yr	Apply Now
UOB Visa Infinite Card Best UOB Premium	UOB	MilesTravel	4 miles per RM1 overseas spend 2 miles per RM1 local spend 12 complimentary airport lounge visits/yr Travel insurance up to USD1,000,000 Annual fee waived with min. RM120,000/yr spend	Free*	RM120,000/yr	Apply Now
UOB Lady’s Card Best for Women	UOB	Rewards	10x UNI$ per RM5 on fashion, beauty & dining (1 selected category) 1x UNI$ per RM5 on all other spend Exclusive beauty & wellness privileges Annual fee waived with min. RM12,000/yr spend	Free*	RM36,000/yr	Apply Now

😔 No credit cards match your selected filters. Try adjusting your income level or card type filter.

* Annual fee waived with minimum annual spend. Terms & conditions apply. Always verify current rates directly with the bank before applying.

Editor’s Picks — Best Cards by Category

Best Cashback Card

RHB Shell Visa — Up to 12% at Shell

12% rebate at Shell stations nationwide
2% cashback on groceries & online spending
Annual fee waived with RM12,000/yr spend
Min. annual income RM24,000

Apply Now →

Best Miles Card

HSBC TravelOne — 8x air miles overseas

8x air miles on overseas & online spend
Transfer miles to 10+ airline loyalty programs
Complimentary airport lounge access
Min. annual income RM60,000

Apply Now →

Best Petrol Card

CIMB PETRONAS Platinum — Up to 8%

Up to 8% cashback at PETRONAS stations
2% cashback on groceries
Permanent annual fee waiver
Min. annual income RM24,000

Apply Now →

Best Islamic Card

Maybank Islamic Ikhwan — Shariah-compliant

5% cashback on weekends (dining, petrol, groceries)
Fully Shariah-compliant with no riba
Permanent annual fee waiver
Accepted at over 44 million Mastercard merchants

Apply Now →

Best No-Annual-Fee Card

Maybank 2 Gold Cards — Permanently free

Permanently free — no spend requirement
5% cashback on weekends
Comes as a pair: Mastercard + American Express
Min. annual income RM30,000

Apply Now →

Best Rewards Card

Alliance Bank Visa Signature — 5x points

5x Timeless Bonus Points on every spend
No minimum spend required
Points never expire
Annual fee waived with RM30,000/yr spend

Apply Now →

Frequently Asked Questions

What is the best credit card in Malaysia for cashback? ▼

The best cashback credit cards in Malaysia for 2026 include the RHB Shell Visa (up to 12% at Shell), CIMB PETRONAS Platinum Visa (up to 8% at PETRONAS), UOB ONE Card (up to 10%), and the Maybank 2 Gold Cards (5% on weekends). The best card depends on your spending habits — petrol users benefit most from CIMB or RHB Shell, while everyday spenders prefer Maybank 2 Gold.

Which credit card in Malaysia earns the most air miles? ▼

The best air miles credit cards in Malaysia are the HSBC TravelOne Credit Card and HSBC Visa Signature. HSBC TravelOne gives you 8x air miles on overseas spending and allows you to transfer miles to over 10 airline loyalty programs including AirAsia BIG, Malaysia Airlines Enrich, Singapore Airlines KrisFlyer, and more. It’s the top choice for frequent flyers.

Which credit card in Malaysia has no annual fee? ▼

Several Malaysian credit cards offer permanent fee waivers with no minimum spend: Maybank 2 Gold Cards, AFFIN DUO Visa Cash Back, and AmBank Cash Rebate Visa Platinum. Others like CIMB PETRONAS, RHB Shell Visa, and HSBC Visa Signature waive the annual fee if you meet a minimum annual spend threshold.

What is the minimum income to apply for a credit card in Malaysia? ▼

Most entry-level credit cards in Malaysia require a minimum annual income of RM24,000 (RM2,000/month). Mid-tier cards typically require RM36,000–RM48,000/year, while premium cards like HSBC Visa Signature require RM102,000/year. Use the income filter above to find cards suited to your income level.

Are Islamic credit cards available in Malaysia? ▼

Yes. Malaysia has a wide selection of Shariah-compliant Islamic credit cards. Popular options include the Maybank Islamic Ikhwan Mastercard, AmBank Islamic Visa Infinite, and CIMB Islamic credit cards. These cards operate on Islamic finance principles (no riba/interest on credit), making them suitable for Muslim consumers.

How do I choose the right credit card in Malaysia? ▼

Choose a card based on where you spend the most: (1) Heavy petrol user → CIMB PETRONAS or RHB Shell. (2) Weekend dining & groceries → Maybank 2 Gold Cards. (3) Frequent traveler who wants air miles → HSBC TravelOne. (4) Online shopping → AFFIN DUO Visa. (5) Muslim consumer → Maybank Islamic Ikhwan. Use the income filter above to narrow down cards you qualify for.

💬 User Reviews — Share Your Credit Card Experience

Have you used any of the credit cards above? Leave a review below to help other Malaysians make a better choice. Share your experience with cashback earnings, customer service, and approval process.

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ray

3 days ago

love the maybank cards