Best Credit Cards in Malaysia 2026
🇲🇾 Baca dalam Bahasa Malaysia →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.
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🔥 Trending This Month
Best current sign-up offers · updated 19 June 2026#1 Trending
VisaApply Now →Tap for details & reviews ★
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 a MacBook Air M5 (spend RM3,000 in 60 days)
Annual Fee
Free
Min Income
RM102k/yr
#2 Trending
VisaApply Now →Tap for details & reviews ★
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 →Tap for details & reviews ★
UOB Bank
UOB ONE Card
CASHBACK
Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)
🎁 Sign-up promo
Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
RM195
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 95 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 →Tap for details & reviews ★⭐ 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 →Tap for details & reviews ★⭐ 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, groceries, dining & Grab (cap RM15/category/mo)
Cap: RM15/month
🎁 Promo: Up to RM300 TnG credit (spend RM200 in 60 days)
Annual Fee
RM195
Waived with RM20,000/yr spend (1-year waiver for new cards)
Min Income
RM36k/yr
RM3000/mo
- ✓Up to 10% cashback on petrol, groceries, dining & Grab (capped RM15/category/mo)
- ✓Requires min. RM1,500/mo retail spend to unlock 10% (ONE Platinum tier)
- ✓0.2% unlimited cashback on all other retail spend
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 →Tap for details & reviews ★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 a MacBook Air M5 (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 a MacBook Air M5 (spend RM3,000 in 60 days)
Annual Fee
RM300
Min Income
RM102k/yr
RM8500/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 →Tap for details & reviews ★HSBC Malaysia
HSBC Visa Signature Credit Card
SignatureVisa
MILES
8x Reward Points per RM1 overseas & online
🎁 Promo: RM500 TnG credit guaranteed + chance to win a MacBook Air M5 (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 →Tap for details & reviews ★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
RM102k/yr
RM8500/mo
- ✓8% cashback on petrol & groceries (capped RM50/mo)
- ✓0.5% cashback on all other spend
- ✓100% Shariah-compliant structure
Islamic
Apply Now →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★Standard Chartered
Standard Chartered Visa Platinum
PlatinumVisa
MILES
5x Rewards Points per RM1 on dining & petrol
Annual Fee
Free
Free (conditions apply)
Min Income
RM96k/yr
RM8000/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 →Tap for details & reviews ★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 →Tap for details & reviews ★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
RM60k/yr
RM5000/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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★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 →Tap for details & reviews ★Maybank
Maybank Visa Infinite
InfiniteVisa
POINTS
Premium travel — 5x lounge visits + RM2m travel insurance
Annual Fee
RM800
Free 1st year, then RM80,000/yr spend
Min Income
RM100k/yr
RM8333/mo
- ✓5x complimentary Plaza Premium Lounge access (local + international)
- ✓Up to RM2m travel accident & inconvenience insurance
- ✓2x TreatsPoints local / 5x overseas
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Maybank
Maybank Mercedes-Benz Card
InfiniteVisa
HYBRID
10x points at Mercedes-Benz Autohaus + Accor Plus membership
Cap: RM50/month
Annual Fee
RM800
Free 1st 2 years, then RM80,000/yr spend
Min Income
RM100k/yr
RM8333/mo
- ✓10x TreatsPoints at Mercedes-Benz Autohaus + 10% off MB parts/merchandise
- ✓Complimentary Accor Plus Explorer membership
- ✓3% petrol cashback (cap RM50/mo)
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Maybank
Maybank Manchester United Visa Infinite
InfiniteVisa
POINTS
Bonus points when Man Utd win + premium travel perks
Annual Fee
RM800
Free 1st year, then RM80,000/yr spend
Min Income
RM100k/yr
RM8333/mo
- ✓5x TreatsPoints when Man Utd win a Premier League match
- ✓10x at MU Megastore, 20% off Old Trafford tours
- ✓5x airport lounge access + RM2m travel insurance
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Maybank
Maybank Manchester United Visa
GoldVisa
POINTS
Free-for-life Man Utd fan card with match-win bonus points
Annual Fee
Free
Free for life
Min Income
RM30k/yr
RM2500/mo
- ✓Free for life — no annual fee
- ✓10x TreatsPoints on MU Megastore, 5x groceries
- ✓20% off Old Trafford tours, 10% off Red Cafe
Maybank
Maybank Islamic Ikhwan Visa Infinite Card-i
InfiniteVisa
POINTS
Shariah-compliant Visa Infinite with air-miles conversion
Annual Fee
RM800
Free 1st year, then RM80,000/yr spend
Min Income
RM100k/yr
RM8333/mo
- ✓Shariah-compliant Visa Infinite
- ✓Free air-miles conversion (Enrich/KrisFlyer/Asia Miles)
- ✓Airport lounge access + RM2m travel insurance
LoungeTravel Ins.Islamic
Apply Now →Tap for details & reviews ★UOB Bank
UOB PRVI Miles Elite Card
EliteMastercard
MILES
Up to 12x UNIRM overseas + 8 lounge visits/year
Annual Fee
RM600
Waived at RM50,000/yr spend
Min Income
RM100k/yr
RM8333/mo
- ✓Up to 12x UNIRM on overseas spend
- ✓8 complimentary lounge visits + KLIA T1 private lounge
- ✓Grab ride home from KLIA + bonus UNIRM on sign-up
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★UOB Bank
UOB Visa Infinite Metal Card
InfiniteVisa
MILES
Metal card — unlimited lounge + RM1m travel insurance
Annual Fee
RM3000
Includes 300,000 UNIRM annual bonus
Min Income
RM150k/yr
RM12500/mo
- ✓Unlimited lounge access for you + 1 guest
- ✓Unlimited limousine to KLIA + Visa Concierge
- ✓300,000 UNIRM annual bonus (~66,000 air miles)
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★UOB Bank
UOB EVOL Card
PlatinumVisa
CASHBACK
10% online + 5% e-wallet cashback for digital spenders
Cap: RM15/month
Annual Fee
RM90
Free 1st year; then 1 transaction/month
Min Income
RM36k/yr
RM3000/mo
- ✓10% cashback on online spend
- ✓5% cashback on e-wallet top-ups
- ✓Free for life with 1 transaction/month (min RM1,000/mo spend)
AEON
AEON Member Plus Visa Platinum
PlatinumVisa
HYBRID
10% AEON cashback on Thank-You Days + lounge access
Cap: RM100/month
Annual Fee
RM200
Free 1st year; waived at RM18,000/yr spend
Min Income
RM60k/yr
RM5000/mo
- ✓10% cashback at AEON/AEON BiG on the 20th & 28th (cap RM100/mo)
- ✓6 Plaza Premium lounge visits/year
- ✓Up to RM1m travel insurance + 0% instalment plans
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★AEON
AEON Member Plus Visa Gold
GoldVisa
HYBRID
8% AEON cashback on Thank-You Days + 5% dining
Cap: RM100/month
Annual Fee
RM95
Free 1st year; 12 transactions/year
Min Income
RM36k/yr
RM3000/mo
- ✓8% cashback at AEON/AEON BiG on the 20th & 28th
- ✓5% dining cashback
- ✓3 Plaza Premium lounge visits/year + travel insurance
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Affin Bank
AFFIN Invikta Visa Infinite
InfiniteVisa
POINTS
Unlimited lounge access + 5x overseas points
Annual Fee
Free
Free for life (Invikta member)
Min Income
RM180k/yr
RM15000/mo
- ✓Unlimited Plaza Premium lounge (local + overseas)
- ✓5x reward points overseas + air-miles conversion
- ✓Unlimited golf green fees in SEA + relationship manager
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Affin Bank
AFFIN World Mastercard
WorldMastercard
POINTS
3x overseas points + RM1m travel insurance
Annual Fee
RM500
Free 1st year
Min Income
RM120k/yr
RM10000/mo
- ✓3x reward points overseas (1x local)
- ✓6 Plaza Premium lounge visits/year
- ✓Up to RM1m travel insurance + golf & dining privileges
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Affin Bank
AFFIN Duo+ Visa
ClassicVisa
CASHBACK
3% contactless cashback for everyday spend
Cap: RM100/month
Annual Fee
RM100
Free 3 years; then 12 swipes/year
Min Income
RM48k/yr
RM4000/mo
- ✓3% cashback on contactless transactions
- ✓Pairs with the Duo+ Mastercard rewards card
- ✓Low RM48,000/yr income entry
Bank Rakyat
Bank Rakyat Platinum Explorer Card-i
PlatinumMastercard
HYBRID
5% air/hotel cashback + free lounge access (Islamic)
Annual Fee
Free
Free
Min Income
RM60k/yr
RM5000/mo
- ✓5% cashback on airline & hotel bookings (no min spend)
- ✓3x Plaza Premium Lounge visits in Malaysia
- ✓Free family takaful up to RM200,000
LoungeTravel Ins.Islamic
Apply Now →Tap for details & reviews ★Bank Rakyat
Bank Rakyat Gold Credit Card-i
GoldMastercard
POINTS
Free-for-life Islamic Gold with zero overseas FX fee
Annual Fee
Free
Free for life
Min Income
RM36k/yr
RM3000/mo
- ✓Free for life — no annual fee
- ✓Zero currency exchange fee on overseas spend
- ✓0% instalment plans + free family takaful
Travel Ins.Islamic
Apply Now →Tap for details & reviews ★
Bank Islam
Bank Islam Visa Infinite Credit Card-i
InfiniteVisa
CASHBACK
Up to 8% cashback + global lounge access (Islamic)
Cap: RM30/month
Annual Fee
RM777
Waived with 12 transactions/year
Min Income
RM100k/yr
RM8333/mo
- ✓Up to 8% cashback on everyday categories (cap RM30/mo)
- ✓3x Plaza Premium lounge visits worldwide/year
- ✓Travel accident takaful up to RM2m
LoungeTravel Ins.Islamic
Apply Now →Tap for details & reviews ★Bank Islam
Bank Islam Visa Platinum Credit Card-i
PlatinumVisa
CASHBACK
Up to 5% everyday cashback with free takaful (Islamic)
Cap: RM30/month
Annual Fee
RM388
Waived with 12 transactions/year
Min Income
RM36k/yr
RM3000/mo
- ✓Up to 5% cashback on essentials (cap RM30/mo)
- ✓Free takaful incl. travel accident up to RM1m
- ✓20-day finance-charge-free period
Travel Ins.Islamic
Apply Now →Tap for details & reviews ★Bank Islam
Bank Islam Visa Gold Credit Card-i
GoldVisa
CASHBACK
Up to 3% everyday cashback, low income entry (Islamic)
Cap: RM30/month
Annual Fee
RM130
Waived with 12 transactions/year
Min Income
RM24k/yr
RM2000/mo
- ✓Up to 3% cashback on essentials
- ✓Entry-level RM24,000/yr income
- ✓Annual fee waived on 12 swipes/year
Islamic
Apply Now →Tap for details & reviews ★BSN
BSN Al-Aiman Platinum Credit Card-i
PlatinumMastercard
POINTS
Free-for-life Islamic Platinum, 2x dining & travel points
Annual Fee
Free
Free for life
Min Income
RM48k/yr
RM4000/mo
- ✓Free for life — no annual fee
- ✓2x Happy Points on dining, travel & overseas spend
- ✓Travel accident takaful up to RM300,000
Travel Ins.Islamic
Apply Now →Tap for details & reviews ★BSN
BSN Al-Aiman Gold Credit Card-i
GoldVisa
POINTS
Free-for-life Islamic Gold with automatic travel takaful
Annual Fee
Free
Free for life
Min Income
RM36k/yr
RM3000/mo
- ✓Free for life — no annual fee
- ✓Happy Points rewards programme
- ✓Automatic travel takaful up to RM100,000
Travel Ins.Islamic
Apply Now →Tap for details & reviews ★Bank Muamalat
Bank Muamalat Visa Infinite-i
InfiniteVisa
CASHBACK
Lifetime-free Islamic Infinite with lounge access
Cap: RM100/month
Annual Fee
Free
Lifetime waiver
Min Income
RM120k/yr
RM10000/mo
- ✓Lifetime annual fee waiver
- ✓Plaza Premium + Travel Club lounge access
- ✓Travel accident takaful up to RM1m
LoungeTravel Ins.Islamic
Apply Now →Tap for details & reviews ★Bank Muamalat
Bank Muamalat Visa Platinum-i
PlatinumVisa
CASHBACK
Affordable Islamic Platinum with cashback + takaful
Cap: RM50/month
Annual Fee
RM138
Free 1st year; 12 transactions/year
Min Income
RM36k/yr
RM3000/mo
- ✓1% cashback on overseas & e-commerce spend
- ✓Travel accident takaful up to RM250,000
- ✓Low RM138 fee, waivable on 12 swipes
Travel Ins.Islamic
Apply Now →Tap for details & reviews ★CIMB Bank
CIMB Visa Signature Credit Card
SignatureVisa
POINTS
Free-for-life travel points — 2x overseas + lounge
Annual Fee
Free
Free for life
Min Income
RM36k/yr
RM3000/mo
- ✓2x Bonus Points on overseas spend
- ✓2x Plaza Premium + 12x SkyPark lounge access
- ✓Up to RM300,000 travel insurance
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★CIMB Bank
CIMB Travel Platinum Credit Card
PlatinumMastercard
POINTS
5x points on overseas, airlines & duty-free
Annual Fee
Free
Free for life
Min Income
RM24k/yr
RM2000/mo
- ✓5x points on overseas, airlines & duty-free
- ✓Up to 4x lounge access incl. Plaza Premium First
- ✓Up to RM300,000 travel insurance
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★CIMB Bank
CIMB Preferred Visa Infinite
InfiniteVisa
POINTS
8x points + 8x lounge visits (CIMB Preferred)
Annual Fee
Free
Waived (CIMB Preferred member)
Min Income
RM150k/yr
RM12500/mo
- ✓Up to 8x Bonus Points on dining & overseas
- ✓8x Plaza Premium First lounge visits
- ✓Requires CIMB Preferred (RM250k AUM)
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Public Bank
Public Bank World Mastercard
WorldMastercard
MILES
Air miles to Enrich/AirAsia + 5x lounge access
Annual Fee
Free
Free for life
Min Income
RM100k/yr
RM8333/mo
- ✓5 points per RM1 overseas (12,500 pts = 1,000 Enrich)
- ✓5x Plaza Premium lounge visits worldwide
- ✓Up to RM500,000 travel insurance
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Public Bank
Public Bank AIA Visa Gold
GoldVisa
CASHBACK
Rebates on AIA insurance premium payments
Annual Fee
Free
Free (conditions apply)
Min Income
RM24k/yr
RM2000/mo
- ✓Cashback/rebates on AIA premium payments
- ✓Gold-tier everyday rebate
- ✓Low RM24,000/yr income entry
RHB Bank
RHB Rewards Motion Code Credit Card
PlatinumVisa
POINTS
Dynamic on-card CVV + up to 10x reward points
Annual Fee
RM200
Free 1st year; waived at RM20,000/yr spend
Min Income
RM24k/yr
RM2000/mo
- ✓e-ink dynamic CVV that refreshes every 4 hours
- ✓Up to 10x points on movies, online, overseas & more
- ✓Islamic (-i) variant also available
RHB Bank
RHB Islamic Cash Back Credit Card-i
PlatinumVisa
CASHBACK
Up to 10% cashback on 6 everyday categories (Islamic)
Cap: RM30/month
Annual Fee
RM70
Free 1st year; waived at RM10,000/yr spend
Min Income
RM24k/yr
RM2000/mo
- ✓Up to 10% cashback on petrol (any station), dining, groceries & more
- ✓Min RM2,500/mo spend for top tier
- ✓Shariah-compliant twin of the Cash Back Visa
Islamic
Apply Now →Tap for details & reviews ★Hong Leong Bank
Hong Leong Sutera Platinum Credit Card
PlatinumVisa
POINTS
8x points on online, groceries, dining & overseas
Annual Fee
RM120
Conditions apply
Min Income
RM36k/yr
RM3000/mo
- ✓8x reward points on online, groceries, dining & overseas
- ✓0% Flexi Payment Plan up to 36 months
- ✓0% balance transfer for 6 months
Hong Leong Bank
Hong Leong GSC Platinum Credit Card
PlatinumVisa
POINTS
5 free movie tickets + permanent GSC discounts
Annual Fee
RM300
Conditions apply
Min Income
RM60k/yr
RM5000/mo
- ✓5 free movie tickets on approval
- ✓10% off GSC tickets, 30% off snacks
- ✓Up to 5x points on overseas spend
Standard Chartered
Standard Chartered Beyond Card
InfiniteVisa
CASHBACK
Up to 60% dining cashback + unlimited lounge access
Cap: RM300/month
Annual Fee
RM800
SC Priority Banking relationship
Min Income
RM150k/yr
RM12500/mo
- ✓Up to 60% cashback at MICHELIN Guide / selected restaurants
- ✓Unlimited lounge access for you + 1 guest
- ✓Requires SC Priority Banking
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Standard Chartered
Standard Chartered Platinum Mastercard
PlatinumMastercard
POINTS
Beginner-friendly card with lifetime annual fee waiver
Annual Fee
Free
Free for life
Min Income
RM24k/yr
RM2000/mo
- ✓Lifetime annual fee waiver
- ✓1x reward point per RM1
- ✓Entry-level RM24,000/yr income
OCBC Bank
OCBC Great Eastern Platinum Mastercard
PlatinumMastercard
CASHBACK
2.5% cashback on Great Eastern insurance premiums
Annual Fee
Free
Free
Min Income
RM60k/yr
RM5000/mo
- ✓2.5% cashback on Great Eastern premium payments
- ✓Up to 2.5% everyday cashback
- ✓Free annual fee
OCBC Bank
OCBC Titanium Mastercard
TitaniumMastercard
POINTS
Up to 12x OCBC$ on online & e-wallet spend
Annual Fee
RM75
Conditions apply
Min Income
RM48k/yr
RM4000/mo
- ✓Up to 12x OCBC$ on online & e-wallet spend
- ✓Pink and Blue card variants
- ✓Rewards on everyday lifestyle spend
OCBC Bank
OCBC World Mastercard
WorldMastercard
CASHBACK
1.2% overseas cashback + RM2m travel insurance
Annual Fee
RM388
Free 1st year
Min Income
RM100k/yr
RM8333/mo
- ✓1.2% cashback overseas / 0.5% local
- ✓Up to RM2m travel insurance
- ✓Airport lounge access
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Alliance Bank
Alliance Bank Visa Infinite
InfiniteVisa
POINTS
Unlimited lounge access + 10x overseas points
Annual Fee
RM438
Conditions apply
Min Income
RM60k/yr
RM5000/mo
- ✓10x Timeless Bonus Points on overseas spend
- ✓Unlimited Plaza Premium lounge access
- ✓Travel insurance coverage
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★Alliance Bank
Alliance Bank Visa Signature
SignatureVisa
CASHBACK
Up to 5% unlimited cashback on all retail spend
Annual Fee
RM148
Conditions apply
Min Income
RM48k/yr
RM4000/mo
- ✓Up to 5% cashback on all retail spend
- ✓8% cashback variant for Alliance Privilege banking customers
- ✓0% Buy-Now-Pay-Later option
Alliance Bank
Alliance Bank You:nique Gold Card
GoldMastercard
HYBRID
Customisable — up to 3% cashback or low interest
Annual Fee
RM148
Conditions apply
Min Income
RM24k/yr
RM2000/mo
- ✓Choose up to 3% unlimited cashback OR a lower interest rate
- ✓Customise the card to your spending style
- ✓Low RM24,000/yr income entry
AmBank
AmBank UnionPay Platinum Card
PlatinumUnionPay
POINTS
5x points overseas + lounge access in 50+ countries
Annual Fee
Free
Free 1st year; then waived at RM20,000/yr spend
Min Income
RM60k/yr
RM5000/mo
- ✓5x AmBonus points on overseas spend
- ✓Plaza Premium Lounge access in 50+ countries
- ✓Up to RM1m travel insurance
LoungeTravel Ins.
Apply Now →Tap for details & reviews ★AmBank
AmBank Islamic Visa Infinite Card-i
InfiniteVisa
POINTS
Shariah-compliant premium card with lounge passes
Annual Fee
Free
Free
Min Income
RM120k/yr
RM10000/mo
- ✓Shariah-compliant Visa Infinite
- ✓6 complimentary airport lounge passes
- ✓Premium travel & lifestyle privileges
LoungeTravel Ins.Islamic
Apply Now →Tap for details & reviews ★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.