Best Credit Cards in Malaysia 2026
Compare cashback, rewards and travel credit cards from Malaysia's top banks. Filter by reward type, annual fee, and income requirement. Heading overseas for the World Cup 2026? Pick a no-forex-fee card for the trip.
🔥 Trending This Month
Best current sign-up offers · updated June 2026#1 Trending
VisaApply Now →
HSBC Malaysia
HSBC Live+ Credit Card
CASHBACK
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
🎁 Sign-up promo
RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Annual Fee
Free
Min Income
RM102k/yr
#2 Trending
VisaApply Now →
Maybank
Maybank 2 Gold Cards
CASHBACK
5% cashback on weekends: dining, groceries & petrol
🎁 Sign-up promo
Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Annual Fee
Free
Min Income
RM30k/yr
#3 Trending
VisaApply Now →
UOB Bank
UOB ONE Card
CASHBACK
Up to 10% cashback on petrol, dining & groceries
🎁 Sign-up promo
Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
Free
Min Income
RM36k/yr
Promotions are indicative and time-limited — always confirm current terms with the bank before applying.
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REWARD TYPE
ANNUAL FEE
INCOME REQUIREMENT
Showing 55 credit cards
⭐ Most Popular
Maybank
Maybank 2 Gold Cards
GoldVisa
CASHBACK
5% cashback on weekends: dining, groceries & petrol
🎁 Promo: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Annual Fee
Free
Free for life
Min Income
RM30k/yr
RM2500/mo
- ✓5% cashback on weekends: dining, groceries & petrol
- ✓0.2% cashback on all weekday spend (unlimited)
- ✓Petron & PETRONAS fuel savings
⭐ Most Popular
Maybank
Maybank World Elite Mastercard
EliteMastercard
MILES
Up to 25X TreatsPoints for every RM5 spent
🎁 Promo: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM190k/yr
RM15833/mo
- ✓Up to 25X TreatsPoints for every RM5 spent
- ✓16 complimentary Plaza Premium lounge visits/yr
- ✓Travel insurance up to USD1,000,000
LoungeTravel Ins.
Apply Now →⭐ Most Popular
CIMB Bank
CIMB Cash Rebate Platinum Credit Card
PlatinumVisa
CASHBACK
10% cashback on petrol (capped RM20/mo)
Cap: RM20/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓10% cashback on petrol (capped RM20/mo)
- ✓5% cashback on groceries & utilities (capped RM20/mo)
- ✓0.2% cashback on all other spend
⭐ Most Popular
CIMB Bank
CIMB Travel World Credit Card
WorldVisa
MILES
5x CIMB Points per RM1 spent overseas
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓5x CIMB Points per RM1 spent overseas
- ✓1x CIMB Point per RM1 local spend
- ✓Transfer points to Enrich, KrisFlyer & Asia Miles
LoungeTravel Ins.
Apply Now →⭐ Most Popular
Public Bank
Public Bank Quantum Visa / Mastercard
CardMastercard
CASHBACK
5% cashback on online spend, contactless & grocery
Cap: RM30/month
Annual Fee
Free
Free for life
Min Income
RM24k/yr
RM2000/mo
- ✓5% cashback on online spend, contactless & grocery
- ✓0.5% cashback on all other spend
- ✓Capped at RM30/mo cashback per category
⭐ Most Popular
UOB Bank
UOB ONE Card
CardVisa
CASHBACK
Up to 10% cashback on petrol, dining & groceries
Cap: RM500/month
🎁 Promo: Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM36k/yr
RM3000/mo
- ✓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
Maybank
Maybank 2 Platinum Cards
PlatinumVisa
CASHBACK
5% cashback on weekends: dining, groceries & petrol
🎁 Promo: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓5% cashback on weekends: dining, groceries & petrol
- ✓0.2% cashback on weekdays (unlimited)
- ✓Higher credit limit than Gold tier
Maybank
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
PlatinumVisa
CASHBACK
8% cashback on petrol at PETRONAS (capped RM50/mo)
Cap: RM50/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓8% cashback on petrol at PETRONAS (capped RM50/mo)
- ✓5% cashback on groceries & dining
- ✓0.2% cashback on other spend
Maybank
Maybank Shopee Visa Platinum
PlatinumVisa
CASHBACK
Up to 5X Shopee Coins when you spend on Shopee
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓Up to 5X Shopee Coins when you spend on Shopee
- ✓5,000 Welcome Shopee Coins with min. spend of RM300
- ✓Annual fee waived with min. RM12,000/yr spend
Maybank
Maybank Grab Mastercard Platinum
PlatinumMastercard
CASHBACK
1X GrabRewards Points for every RM1 spend on Grab
🎁 Promo: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓1X GrabRewards Points for every RM1 spend on Grab
- ✓1,000 Welcome GrabRewards Points upon card activation
- ✓Welcome gift of RM50 Grab voucher with min. spend RM300
Maybank
Maybank Visa Signature
SignatureVisa
CASHBACK
5% Cash Back on petrol & groceries everyday (capped RM88/mo)
Cap: RM88/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM70k/yr
RM5833/mo
- ✓5% Cash Back on petrol & groceries everyday (capped RM88/mo)
- ✓Up to 5X TreatsPoints for every RM1 spent
- ✓Annual fee waived with min. RM50,000/yr spend
Maybank
Maybank Islamic Ikhwan Mastercard Gold Card-i
GoldMastercard
POINTS
5% cashback on weekends: dining, groceries & petrol
Annual Fee
Free
Free for life
Min Income
RM24k/yr
RM2000/mo
- ✓5% cashback on weekends: dining, groceries & petrol
- ✓0.2% cashback on weekday spend
- ✓100% Shariah-compliant — no riba
Islamic
Apply Now →Maybank
Maybank myimpact Visa Signature
SignatureVisa
CASHBACK
Up to 8% cashback on spend at sustainable merchants (capped RM80/mo)
Cap: RM80/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM36k/yr
RM3000/mo
- ✓Up to 8% cashback on spend at sustainable merchants (capped RM80/mo)
- ✓2% cashback on everyday spend including e-wallets
- ✓Carbon offset feature — Maybank plants trees per transaction
HSBC Malaysia
HSBC Live+ Credit Card
CardVisa
CASHBACK
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
Cap: RM30/month
🎁 Promo: RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM102k/yr
RM8500/mo
- ✓Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
- ✓0.5% cashback on all other spend (unlimited)
- ✓Discounts at 900+ dining partners across Asia via HSBC Live+
HSBC Malaysia
HSBC TravelOne Credit Card
CardVisa
MILES
8x Air Miles per RM1 spent overseas
🎁 Promo: RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Annual Fee
RM318
Min Income
RM60k/yr
RM5000/mo
- ✓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
LoungeTravel Ins.
Apply Now →HSBC Malaysia
HSBC Visa Signature Credit Card
SignatureVisa
MILES
8x Reward Points per RM1 overseas & online
🎁 Promo: RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM102k/yr
RM8500/mo
- ✓8x Reward Points per RM1 overseas & online
- ✓5x Reward Points per RM1 on local purchases
- ✓Points never expire — redeem anytime
Lounge
Apply Now →HSBC Malaysia
HSBC Amanah MPower Platinum Credit Card-i
PlatinumVisa
CASHBACK
8% cashback on petrol & groceries (capped RM50/mo)
Cap: RM50/month
Annual Fee
Free
Free for life
Min Income
RM24k/yr
RM2000/mo
- ✓8% cashback on petrol & groceries (capped RM50/mo)
- ✓0.5% cashback on all other spend
- ✓100% Shariah-compliant structure
Islamic
Apply Now →HSBC Malaysia
HSBC Premier World Mastercard Credit Card
InfiniteMastercard
MILES
10x Reward Points per RM1 overseas spend
Annual Fee
Free
Free (conditions apply)
Min Income
RM120k/yr
RM10000/mo
- ✓10x Reward Points per RM1 overseas spend
- ✓5x Reward Points per RM1 local spend
- ✓Unlimited Plaza Premium lounge access (Premier Banking clients)
LoungeTravel Ins.
Apply Now →CIMB Bank
CIMB PETRONAS Visa Platinum-i
PlatinumVisa
CASHBACK
8% cashback at PETRONAS stations (capped RM30/mo)
Cap: RM30/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓8% cashback at PETRONAS stations (capped RM30/mo)
- ✓2% cashback on groceries & utilities (capped RM30/mo)
- ✓0.2% cashback on all other retail spend
CIMB Bank
CIMB e Credit Card
CardVisa
CASHBACK
2% cashback on all online transactions (unlimited, no cap)
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓2% cashback on all online transactions (unlimited, no cap)
- ✓0.5% cashback on all other spend
- ✓No min. spend required
CIMB Bank
CIMB Travel World Elite Credit Card
EliteVisa
MILES
10x CIMB Points per RM1 spent overseas
Annual Fee
Free
Free (conditions apply)
Min Income
RM250k/yr
RM20833/mo
- ✓10x CIMB Points per RM1 spent overseas
- ✓2x CIMB Points per RM1 local spend
- ✓Unlimited airport lounge access (LoungeKey)
LoungeTravel Ins.
Apply Now →CIMB Bank
CIMB PETRONAS Visa Infinite-i
InfiniteVisa
CASHBACK
8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend)
Cap: RM50/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend)
- ✓5% cashback on groceries & utilities
- ✓Shariah-compliant — Tawarruq structure
LoungeIslamic
Apply Now →Public Bank
Public Bank Petron Visa Gold
GoldVisa
CASHBACK
5% cashback at Petron stations (capped RM30/mo)
Cap: RM30/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓5% cashback at Petron stations (capped RM30/mo)
- ✓0.5% cashback on other petrol brands
- ✓0.2% cashback on all other spend
Public Bank
Public Bank Visa Platinum
PlatinumVisa
POINTS
5x Rewards Points per RM1 overseas spend
Annual Fee
Free
Free (conditions apply)
Min Income
RM36k/yr
RM3000/mo
- ✓5x Rewards Points per RM1 overseas spend
- ✓1x Rewards Point per RM1 local spend
- ✓Redeem points for Air Miles (Enrich, KrisFlyer)
Public Bank
Public Bank Visa Signature
SignatureVisa
MILES
8x Rewards Points per RM1 overseas & online
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓8x Rewards Points per RM1 overseas & online
- ✓2x Rewards Points per RM1 local spend
- ✓Convert to Enrich Miles or AirAsia BIG Points
Lounge
Apply Now →Public Bank
Public Bank Visa Infinite
InfiniteVisa
MILES
10x Rewards Points per RM1 overseas
Annual Fee
Free
Free (conditions apply)
Min Income
RM120k/yr
RM10000/mo
- ✓10x Rewards Points per RM1 overseas
- ✓3x Rewards Points per RM1 local spend
- ✓6 complimentary airport lounge visits/yr
LoungeTravel Ins.
Apply Now →RHB Bank
RHB Shell Visa Credit Card
CardVisa
CASHBACK
12% cashback at Shell stations (capped RM30/mo)
Cap: RM30/month
🎁 Promo: AirPods Max 2 weekly draw + up to RM400 TnG (1 transaction in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓12% cashback at Shell stations (capped RM30/mo)
- ✓2% cashback on groceries & online spend
- ✓Shell SmartPoints fuel savings
RHB Bank
RHB Cash Back Visa Credit Card
CardVisa
CASHBACK
5% cashback on petrol, groceries & utilities (capped RM50/mo)
Cap: RM50/month
🎁 Promo: AirPods Max 2 weekly draw + up to RM400 TnG (1 transaction in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓5% cashback on petrol, groceries & utilities (capped RM50/mo)
- ✓1% cashback on dining & shopping
- ✓0.5% cashback on all other spend
RHB Bank
RHB Rewards Visa / Mastercard
CardMastercard
POINTS
5x Bonus Points per RM1 on dining, petrol & groceries
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓5x Bonus Points per RM1 on dining, petrol & groceries
- ✓1x Bonus Point per RM1 on all other spend
- ✓Redeem points for vouchers, merchandise & travel
RHB Bank
RHB Visa Signature
SignatureVisa
MILES
5x Bonus Points per RM1 overseas spend
Annual Fee
Free
Free (conditions apply)
Min Income
RM80k/yr
RM6667/mo
- ✓5x Bonus Points per RM1 overseas spend
- ✓1x Bonus Point per RM1 local spend
- ✓Convert to Enrich Miles or AirAsia BIG Points
Lounge
Apply Now →RHB Bank
RHB World Mastercard
WorldMastercard
MILES
8x Bonus Points per RM1 overseas spend
Annual Fee
Free
Free (conditions apply)
Min Income
RM80k/yr
RM6667/mo
- ✓8x Bonus Points per RM1 overseas spend
- ✓2x Bonus Points per RM1 local spend
- ✓6 complimentary airport lounge visits/yr
LoungeTravel Ins.
Apply Now →RHB Bank
RHB Visa Infinite / Premier Infinite
InfiniteVisa
MILES
10x Bonus Points per RM1 overseas spend
🎁 Promo: AirPods Max 2 weekly draw + up to RM400 TnG (1 transaction in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM150k/yr
RM12500/mo
- ✓10x Bonus Points per RM1 overseas spend
- ✓3x Bonus Points per RM1 local spend
- ✓Unlimited airport lounge access (LoungeKey)
LoungeTravel Ins.
Apply Now →Standard Chartered
Standard Chartered Simply Cash
CardVisa
CASHBACK
15% cashback on dining & petrol (capped RM100/mo)
Cap: RM100/month
Annual Fee
Free
Free (conditions apply)
Min Income
RM96k/yr
RM8000/mo
- ✓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
Standard Chartered
Standard Chartered Journey Credit Card
CardVisa
MILES
Unlimited Plaza Premium lounge access (cardholder + 1 guest)
Annual Fee
Free
Free (conditions apply)
Min Income
RM96k/yr
RM8000/mo
- ✓Unlimited Plaza Premium lounge access (cardholder + 1 guest)
- ✓5x rewards points per RM1 overseas spend
- ✓1x rewards point per RM1 local spend
LoungeTravel Ins.
Apply Now →Standard Chartered
Standard Chartered Visa Platinum
PlatinumVisa
MILES
5x Rewards Points per RM1 on dining & petrol
Annual Fee
Free
Free (conditions apply)
Min Income
RM36k/yr
RM3000/mo
- ✓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
Standard Chartered
Standard Chartered Priority Banking Visa Infinite
InfiniteVisa
MILES
Unlimited airport lounge access worldwide (LoungeKey)
Annual Fee
Free
Free (conditions apply)
Min Income
RM180k/yr
RM15000/mo
- ✓Unlimited airport lounge access worldwide (LoungeKey)
- ✓10x rewards points per RM1 overseas spend
- ✓3x rewards points per RM1 local
LoungeTravel Ins.
Apply Now →Standard Chartered
Standard Chartered Smart Credit Card
CardVisa
CASHBACK
3% cashback on groceries, dining & online shopping
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓3% cashback on groceries, dining & online shopping
- ✓0.3% cashback on all other spend
- ✓No minimum spend required
UOB Bank
UOB EVOL Card
CardVisa
CASHBACK
8% cashback on Grab, Shopee, Lazada & food delivery
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓8% cashback on Grab, Shopee, Lazada & food delivery
- ✓0.3% cashback on all other spend
- ✓No min. spend required for base cashback
UOB Bank
UOB Simple Card
CardVisa
POINTS
3% cashback on all spend (capped RM30/mo)
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓3% cashback on all spend (capped RM30/mo)
- ✓No minimum spend requirement
- ✓Simple flat-rate cashback on everything
UOB Bank
UOB PRVI Miles Card
CardVisa
MILES
3 miles per RM1 spent overseas
🎁 Promo: Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓3 miles per RM1 spent overseas
- ✓1.2 miles per RM1 spent locally
- ✓No points expiry
UOB Bank
UOB Visa Infinite Card
InfiniteVisa
MILES
4 miles per RM1 overseas spend
🎁 Promo: Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM120k/yr
RM10000/mo
- ✓4 miles per RM1 overseas spend
- ✓2 miles per RM1 local spend
- ✓12 complimentary airport lounge visits/yr
LoungeTravel Ins.
Apply Now →UOB Bank
UOB Lady's Card
CardVisa
POINTS
10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
Annual Fee
Free
Free (conditions apply)
Min Income
RM36k/yr
RM3000/mo
- ✓10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
- ✓1x UNI$ per RM5 on all other spend
- ✓Exclusive beauty & wellness privileges
UOB Bank
UOB World Card
WorldVisa
MILES
4x UNIRinggit per RM1 on overseas spend
🎁 Promo: Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓4x UNIRinggit per RM1 on overseas spend
- ✓2x UNIRinggit per RM1 on local spend
- ✓Complimentary travel insurance up to USD250,000
Travel Ins.
Apply Now →AmBank
AmBank Visa Infinite
InfiniteVisa
CASHBACK
2% cashback on overseas & online spend
🎁 Promo: Apple Watch Series 11 draw + up to RM200 TnG (spend RM200 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM150k/yr
RM12500/mo
- ✓2% cashback on overseas & online spend
- ✓1% cashback on local retail
- ✓Complimentary airport lounge access (2x/yr)
Lounge
Apply Now →AmBank
AmBank BonusLink Visa
CardVisa
CASHBACK
8x BonusLink Points on weekend dining
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓8x BonusLink Points on weekend dining
- ✓5x BonusLink Points on petrol (all stations)
- ✓1x BonusLink Point on other spend
AmBank
AmBank CashBack Visa Platinum
PlatinumVisa
CASHBACK
5% cashback on groceries & petrol
Cap: RM50/month
🎁 Promo: Apple Watch Series 11 draw + up to RM200 TnG (spend RM200 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM36k/yr
RM3000/mo
- ✓5% cashback on groceries & petrol
- ✓1% cashback on all other retail spend
- ✓Cashback capped at RM50/month
AmBank
AmBank Enrich Visa Infinite
InfiniteVisa
MILES
2 Enrich Points per RM1 overseas spend
Annual Fee
Free
Free (conditions apply)
Min Income
RM100k/yr
RM8333/mo
- ✓2 Enrich Points per RM1 overseas spend
- ✓1 Enrich Point per RM1 local spend
- ✓Complimentary airport lounge access
LoungeTravel Ins.
Apply Now →AmBank
AmBank Islamic Visa Gold-i
GoldVisa
CASHBACK
Shariah-compliant credit-i facility
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓Shariah-compliant credit-i facility
- ✓1% cashback on retail spend
- ✓No compounding profit charges
Islamic
Apply Now →AmBank
AmBank SIGNATURE Priority Banking Visa Infinite
InfiniteVisa
POINTS
3x rewards points on overseas spend
Annual Fee
RM800
Min Income
RM150k/yr
RM12500/mo
- ✓3x rewards points on overseas spend
- ✓Unlimited airport lounge access (Priority Pass)
- ✓Complimentary travel & golf privileges
Lounge
Apply Now →Alliance Bank
Alliance Bank Visa Platinum
PlatinumVisa
CASHBACK
Up to 5x Timeless Bonus Points per RM1 on dining, groceries & petrol
🎁 Promo: Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓Up to 5x Timeless Bonus Points per RM1 on dining, groceries & petrol
- ✓1x Bonus Point per RM1 on all other retail spend
- ✓Annual fee waived with min. RM12,000/yr spend or 12 transactions/yr
Alliance Bank
Alliance Bank Visa Virtual
CardVisa
CASHBACK
Up to 8x Timeless Bonus Points per RM1 on online spend
🎁 Promo: Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
Annual Fee
Free
Free for life
Min Income
RM24k/yr
RM2000/mo
- ✓Up to 8x Timeless Bonus Points per RM1 on online spend
- ✓1x Bonus Point per RM1 on all offline spend
- ✓Designed for online & contactless shopping
Hong Leong Bank
Hong Leong Wise Credit Card
CardVisa
CASHBACK
8% cashback on dining, groceries & online spend (capped RM30/mo)
Cap: RM30/month
Annual Fee
RM98
Annual fee waived with min. RM12,000/yr spend
Min Income
RM24k/yr
RM2000/mo
- ✓8% cashback on dining, groceries & online spend (capped RM30/mo)
- ✓0.2% cashback on all other spend (unlimited)
- ✓Contactless spend earns bonus cashback
Hong Leong Bank
Hong Leong Infinite Credit Card
InfiniteVisa
MILES
5x HLB Rewards Points per RM1 overseas spend
Annual Fee
Free
Free (conditions apply)
Min Income
RM100k/yr
RM8333/mo
- ✓5x HLB Rewards Points per RM1 overseas spend
- ✓2x HLB Rewards Points per RM1 local spend
- ✓6 complimentary Plaza Premium lounge visits/yr
LoungeTravel Ins.
Apply Now →OCBC Bank
OCBC 365 MasterCard
CardMastercard
CASHBACK
5% cashback on dining, groceries & petrol (capped RM50/mo per category)
Cap: RM50/month
🎁 Promo: RM300–RM500 TnG credit guaranteed + RM3,888 draw (spend RM100 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM48k/yr
RM4000/mo
- ✓5% cashback on dining, groceries & petrol (capped RM50/mo per category)
- ✓0.3% cashback on all other spend (unlimited)
- ✓Annual fee waived with min. RM12,000/yr spend
OCBC Bank
OCBC 90°N Visa Card
CardVisa
MILES
2.1 miles per RM1 spent overseas
🎁 Promo: RM300–RM500 TnG credit guaranteed + RM3,888 draw (spend RM100 in 60 days)
Annual Fee
Free
Free (conditions apply)
Min Income
RM60k/yr
RM5000/mo
- ✓2.1 miles per RM1 spent overseas
- ✓1.2 miles per RM1 on local spend
- ✓No miles expiry & no minimum redemption
LoungeTravel Ins.
Apply Now →Points → Miles Calculator
How far your card points get you in Business Class from KUL
🏦Your rewards programme· sorted by best ratio
✈️Convert to
12,500 points = 1,000 miles💳Points you have
📍Destination
🔁Trip
60,000 points convert to
4,800Enrich miles
One-way · Melbourne (MEL)
~75,000 miles needed
6% there70,200 more miles ≈ 877,500 pts
Indicative only. Conversion ratios differ by airline and card tier; banks are ranked by their best ratio, but a better ratio isn't always better value (cards earn points at different rates). Award pricing is dynamic (Enrich) and varies by date, demand and airline — verify with your bank and the airline before transferring points.
📊Points → Miles Conversion Rates· all banks & airlinesUpdated June 2026▾
| Bank programme | Enrich | KrisFlyer | Asia Miles | AirAsia |
|---|---|---|---|---|
| Maybank TreatsPoints | 12,500 : 1,000 | 12,500 : 1,000 | 12,500 : 1,000 | — |
| CIMB Bonus Points | 62,500 : 5,000 | 75,000 : 5,000 | 15,000 : 1,000 | 40,000 : 5,000 |
| UOB Rewards (UNIRM) | 12,000 : 1,000 | 12,000 : 1,000 | 12,000 : 1,000 | — |
| HSBC Rewards (TravelOne) | 21 : 1 | 25 : 1 | 25 : 1 | — |
| AmBank AmBonus | — | 25,000 : 1,000 | — | — |
| Standard Chartered Journey | — | 2 : 1 | 2 : 1 | — |
Figures are card points : airline miles; lower is better. Green = best ratio for that airline. Indicative and vary by card tier — rates change often, so verify with your bank before transferring.
How to Choose the Best Credit Card in Malaysia
Cashback Cards
Best for everyday spenders. Look for 5% cashback on petrol and groceries. Cards like Maybank 2 Cards and CIMB Cash Rebate Platinum offer free-for-life with great rates.
Travel Miles Cards
Best for frequent flyers. Look for cards that earn miles on all spend, lounge access, and travel insurance. Usually require higher income (RM60k–120k/yr).
Annual Fee
Many Malaysian credit cards are free for life. Premium cards (Infinite, Signature) charge RM400–800/year but are often waived with minimum annual spending.
Islamic Credit Cards
Islamic credit cards do not charge interest (riba). Instead they may use a monthly administration fee. Suitable for Muslims who want Shariah-compliant spending.
Credit Cards Malaysia — FAQ
What is the best cashback credit card in Malaysia?
It depends on where you spend. For petrol and groceries, free-for-life cards like the Maybank 2 Cards and CIMB Cash Rebate Platinum are popular for cashback of up to around 5%. Use the comparison above to sort by cashback rate and match a card to your top spending categories.
Which credit cards have no annual fee for life in Malaysia?
Many Malaysian cards are genuinely free-for-life, while others waive the annual fee once you hit a minimum number of swipes or a yearly spend target. Filter the table above by 'no annual fee' to see the current free-for-life options.
What is the minimum income to apply for a credit card in Malaysia?
Most banks require a minimum annual income of RM24,000 (about RM2,000/month) for entry-level cards. Premium cards (Platinum, Signature, Infinite) typically need RM36,000–RM120,000+ a year. Each card's income requirement is shown in the comparison above.
Cashback or air miles — which credit card is better?
Pick cashback if you want simple savings on everyday spending like petrol, groceries and dining. Pick air miles if you fly often and will actively redeem miles for flights or upgrades — miles can give more value per ringgit for frequent travellers, but only if you redeem them.
Are Islamic credit cards interest-free?
Islamic credit cards don't charge conventional interest (riba). They use a Shariah-compliant structure instead, often a fixed monthly management fee on the outstanding balance. They suit anyone wanting Shariah-compliant spending — just compare the effective cost against conventional cards.