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| Credit Card | Bank | Type | Key Benefits | Annual Fee | Min. Annual Income△ | Apply |
|---|---|---|---|---|---|---|
 Best Entry Cashback |
Maybank |
Cashback |
|
Free | RM30,000/yr | Apply Now |
 |
Maybank |
Cashback |
|
Free* | RM60,000/yr | Apply Now |
 Best PETRONAS Card |
Maybank Islamic |
PetrolCashbackIslamic |
|
Free* | RM60,000/yr | Apply Now |
 Best for Shopee |
Maybank |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 Best for Grab Users |
Maybank |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 |
Maybank |
MilesTravel |
|
Free* | RM70,000/yr | Apply Now |
 Best Premium Travel |
Maybank |
MilesTravel |
|
Free* | RM190,000/yr | Apply Now |
 Best Islamic Entry |
Maybank Islamic |
IslamicCashback |
|
Free | RM24,000/yr | Apply Now |
 Best Dining Cashback |
HSBC |
Cashback |
|
Free* | RM102,000/yr | Apply Now |
 Best Miles Card |
HSBC |
MilesTravel |
|
RM318/yr | RM60,000/yr | Apply Now |
 |
HSBC |
MilesRewards |
|
Free* | RM102,000/yr | Apply Now |
 Best Islamic Cashback |
HSBC Amanah |
CashbackIslamic |
|
Free | RM24,000/yr | Apply Now |
 Best HSBC Premier |
HSBC |
MilesTravel |
|
Free* | RM120,000/yr | Apply Now |
 Best CIMB Petrol |
CIMB |
PetrolCashback |
|
Free* | RM24,000/yr | Apply Now |
 Best CIMB Cashback |
CIMB |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 Best for Online Spend |
CIMB |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 Best CIMB Miles |
CIMB |
MilesTravel |
|
Free* | RM60,000/yr | Apply Now |
 Top CIMB Premium |
CIMB |
MilesTravel |
|
Free* | RM250,000/yr | Apply Now |
 |
CIMB Islamic |
PetrolIslamic |
|
Free* | RM60,000/yr | Apply Now |
 Best PBB Entry Card |
Public Bank |
Cashback |
|
Free | RM24,000/yr | Apply Now |
 Best Petron Card |
Public Bank |
PetrolCashback |
|
Free* | RM24,000/yr | Apply Now |
 |
Public Bank |
Rewards |
|
Free* | RM36,000/yr | Apply Now |
 Best PBB Miles |
Public Bank |
MilesTravel |
|
Free* | RM60,000/yr | Apply Now |
 Best PBB Premium |
Public Bank |
MilesTravel |
|
Free* | RM120,000/yr | Apply Now |
 Highest Cashback Rate |
RHB |
PetrolCashback |
|
Free* | RM24,000/yr | Apply Now |
 |
RHB |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 |
RHB |
Rewards |
|
Free* | RM24,000/yr | Apply Now |
 Best RHB Miles |
RHB |
MilesTravel |
|
Free* | RM80,000/yr | Apply Now |
 |
RHB |
MilesTravel |
|
Free* | RM80,000/yr | Apply Now |
Top RHB Premium |
RHB |
MilesTravel |
|
Free* | RM150,000/yr | Apply Now |
 Best SC Cashback |
Standard Chartered |
Cashback |
|
Free* | RM96,000/yr | Apply Now |
 Best SC Miles |
Standard Chartered |
MilesTravel |
|
Free* | RM96,000/yr | Apply Now |
 |
Standard Chartered |
Rewards |
|
Free* | RM36,000/yr | Apply Now |
SC Ultra Premium |
Standard Chartered |
MilesTravel |
|
Free* | RM180,000/yr | Apply Now |
|
Standard Chartered |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 Best Tiered Cashback |
UOB |
Cashback |
|
Free* | RM36,000/yr | Apply Now |
 Best for Digital Spend |
UOB |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 Best No-Frills Card |
UOB |
Cashback |
|
Free* | RM24,000/yr | Apply Now |
 Best UOB Miles |
UOB |
MilesTravel |
|
Free* | RM60,000/yr | Apply Now |
 Best UOB Premium |
UOB |
MilesTravel |
|
Free* | RM120,000/yr | Apply Now |
 Best for Women |
UOB |
Rewards |
|
Free* | RM36,000/yr | Apply Now |
AmBank |
Cashback |
|
Free* | RM150,000/yr | Apply Now | |
AmBank |
CashbackRewards |
|
Free* | RM24,000/yr | Apply Now | |
AmBank |
Cashback |
|
Free* | RM36,000/yr | Apply Now | |
AmBank |
MilesTravel |
|
Free* | RM100,000/yr | Apply Now | |
AmBank |
IslamicCashback |
|
Free* | RM24,000/yr | Apply Now | |
AmBank |
RewardsTravel |
|
RM800/yr | RM150,000/yr | Apply Now |
* Annual fee waived with minimum annual spend. Terms & conditions apply. Always verify current rates directly with the bank before applying.
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95 thoughts on “Best Credit Cards Malaysia 2026”
Leave a Reply
95 thoughts on “Best Credit Cards Malaysia 2026”
-
love the maybank cards
-
Uob for travel not bad
-
love it too!
-
-
Cimb elite interesting but got annual fee
-
best cashback credit card in Malaysia for 2026 has to be the RHB Shell Visa. 12% at Shell is unbeatable if you drive daily
-
agreed. as long as you fill up at Shell only, ROI is the best in market
-
-
anyone using the CIMB Petronas card? worth it if i fill up at Petronas maybe twice a week?
-
yes been using it 8 months. cashback solid but only Petronas stations la
-
there is a Petronas near my office so should be fine. gonna apply this week
-
nice. approval took about 1 week for me
-
-
is the Maybank Shopee card still worth it in 2026? or got better options already?
-
still worth it if you Shopee regularly. 10% is hard to beat for Shopee purchases
-
ok ok will keep it then. just worried the cap is too low
-
-
CIMB Petronas Platinum vs RHB Shell — which one better for petrol cashback? i alternate between both stations
-
CIMB if mostly Petronas. RHB if mostly Shell. simple as that lah
-
haha fair point. maybe get both one for each station
-
-
applied for UOB ONE Card last month. got approved with RM48k annual income, easier than expected
-
just got approved for UOB ONE card. took about 5 working days, pretty fast ngl
-
lucky! mine took 2 weeks and they asked for extra docs. which income range you applied under?
-
RM60k annual, submitted payslip + EPF. maybe that helped
-
ohh i only sent payslip. maybe that is why lol
-
-
which credit card malaysia gives the best air miles? planning to go Japan end of year
-
for Japan, Maybank World or HSBC TravelOne. MAS Enrich redemption to Tokyo is solid value
-
-
love the ai card feature
-
which card is best for groceries? spending like RM400-500/month at Giant and Jaya Grocer
-
Public Bank Quantum is good for groceries, 5% cashback. need min RM1k spend/month tho
-
RM1k/month is doable. does online grocery count too like Jaya Grocer delivery?
-
should be, as long as merchant category is groceries. check T&C first to be safe
-
-
saya guna HSBC Amanah Cash Back card, 8% untuk groceries tiap bulan. memang jimat untuk belanja dapur
-
no annual fee credit cards in Malaysia — does anyone know which ones genuinely waive forever, not just first year?
-
CIMB Cash Rebate — genuinely free forever. no minimum spend requirement either
-
oh nice didn’t know that. gonna apply this week
-
-
Public Bank Quantum Visa — tried applying twice, rejected both times. income RM3.5k. anyone know why?
-
Maybank World Mastercard worth the annual fee? I travel maybe 3-4x a year regionally
-
Maybank keep devaluing their points to miles. very bad
-
mana lagi best — Maybank 2 Gold Visa atau CIMB Platinum untuk harian? nak apply sorang je dulu
-
does the CIMB Cash Rebate card work for Grab rides? trying to maximise cashback on transport
-
Maybank Grab Mastercard 10% on GrabFood is legit. had it 2 months, RM25 cashback already this month
-
ya the Grab card is surprisingly good. food + groceries combo is OP
-
-
kredit kad yang best untuk isi petrol selain Shell dengan Petronas? dekat area saya banyak BHPetrol je
-
Standard Chartered Cashback credit card — anyone use it? cashback rate looks decent but cant find reviews
-
nak tanya, kalau first time apply credit card kena ada berapa lama employment record? baru 6 bulan kerja
-
6 months should be enough for most banks. bring latest 3 months payslip and EPF
-
ok thanks! will try apply after 6 month mark
-
-
best credit card for online shopping in Malaysia 2026 — still Maybank Shopee or got something better now?
-
saya compare Hong Leong Wise Mastercard dengan Maybank Visa, mana satu lagi senang nak approve untuk income RM2.5k?
-
Alliance Bank Visa Signature gives 5% on dining and 3% on petrol. underrated card tbh
-
kalau nak apply dua credit card sekali gus boleh ke? takut effect credit score
-
Maybank points redemption is a joke. took forever to process and the rewards catalog is so limited
-
same here. redeemed RM50 cashback voucher, they said 7-14 days, came after 3 weeks 🙄
-
exactly. and you cannot even check status online. have to call in
-
-
AmBank credit card cashback any good? never see it mentioned much vs Maybank CIMB etc
-
tanya sikit, annual fee waiver untuk Maybank kena call or boleh waive online sendiri?
Leave a Reply
95 thoughts on “Best Credit Cards Malaysia 2026”
-
love the maybank cards
-
Uob for travel not bad
-
love it too!
-
-
Cimb elite interesting but got annual fee
-
best cashback credit card in Malaysia for 2026 has to be the RHB Shell Visa. 12% at Shell is unbeatable if you drive daily
-
agreed. as long as you fill up at Shell only, ROI is the best in market
-
-
anyone using the CIMB Petronas card? worth it if i fill up at Petronas maybe twice a week?
-
yes been using it 8 months. cashback solid but only Petronas stations la
-
there is a Petronas near my office so should be fine. gonna apply this week
-
nice. approval took about 1 week for me
-
-
is the Maybank Shopee card still worth it in 2026? or got better options already?
-
still worth it if you Shopee regularly. 10% is hard to beat for Shopee purchases
-
ok ok will keep it then. just worried the cap is too low
-
-
CIMB Petronas Platinum vs RHB Shell — which one better for petrol cashback? i alternate between both stations
-
CIMB if mostly Petronas. RHB if mostly Shell. simple as that lah
-
haha fair point. maybe get both one for each station
-
-
applied for UOB ONE Card last month. got approved with RM48k annual income, easier than expected
-
just got approved for UOB ONE card. took about 5 working days, pretty fast ngl
-
lucky! mine took 2 weeks and they asked for extra docs. which income range you applied under?
-
RM60k annual, submitted payslip + EPF. maybe that helped
-
ohh i only sent payslip. maybe that is why lol
-
-
which credit card malaysia gives the best air miles? planning to go Japan end of year
-
for Japan, Maybank World or HSBC TravelOne. MAS Enrich redemption to Tokyo is solid value
-
-
love the ai card feature
-
which card is best for groceries? spending like RM400-500/month at Giant and Jaya Grocer
-
Public Bank Quantum is good for groceries, 5% cashback. need min RM1k spend/month tho
-
RM1k/month is doable. does online grocery count too like Jaya Grocer delivery?
-
should be, as long as merchant category is groceries. check T&C first to be safe
-
-
saya guna HSBC Amanah Cash Back card, 8% untuk groceries tiap bulan. memang jimat untuk belanja dapur
-
no annual fee credit cards in Malaysia — does anyone know which ones genuinely waive forever, not just first year?
-
CIMB Cash Rebate — genuinely free forever. no minimum spend requirement either
-
oh nice didn’t know that. gonna apply this week
-
-
Public Bank Quantum Visa — tried applying twice, rejected both times. income RM3.5k. anyone know why?
-
Maybank World Mastercard worth the annual fee? I travel maybe 3-4x a year regionally
-
Maybank keep devaluing their points to miles. very bad
-
mana lagi best — Maybank 2 Gold Visa atau CIMB Platinum untuk harian? nak apply sorang je dulu
-
does the CIMB Cash Rebate card work for Grab rides? trying to maximise cashback on transport
-
Maybank Grab Mastercard 10% on GrabFood is legit. had it 2 months, RM25 cashback already this month
-
ya the Grab card is surprisingly good. food + groceries combo is OP
-
-
kredit kad yang best untuk isi petrol selain Shell dengan Petronas? dekat area saya banyak BHPetrol je
-
Standard Chartered Cashback credit card — anyone use it? cashback rate looks decent but cant find reviews
-
nak tanya, kalau first time apply credit card kena ada berapa lama employment record? baru 6 bulan kerja
-
6 months should be enough for most banks. bring latest 3 months payslip and EPF
-
ok thanks! will try apply after 6 month mark
-
-
best credit card for online shopping in Malaysia 2026 — still Maybank Shopee or got something better now?
-
saya compare Hong Leong Wise Mastercard dengan Maybank Visa, mana satu lagi senang nak approve untuk income RM2.5k?
-
Alliance Bank Visa Signature gives 5% on dining and 3% on petrol. underrated card tbh
-
kalau nak apply dua credit card sekali gus boleh ke? takut effect credit score
-
Maybank points redemption is a joke. took forever to process and the rewards catalog is so limited
-
same here. redeemed RM50 cashback voucher, they said 7-14 days, came after 3 weeks 🙄
-
exactly. and you cannot even check status online. have to call in
-
-
AmBank credit card cashback any good? never see it mentioned much vs Maybank CIMB etc
-
tanya sikit, annual fee waiver untuk Maybank kena call or boleh waive online sendiri?
love the maybank cards
Uob for travel not bad
love it too!
Cimb elite interesting but got annual fee
best cashback credit card in Malaysia for 2026 has to be the RHB Shell Visa. 12% at Shell is unbeatable if you drive daily
agreed. as long as you fill up at Shell only, ROI is the best in market
anyone using the CIMB Petronas card? worth it if i fill up at Petronas maybe twice a week?
yes been using it 8 months. cashback solid but only Petronas stations la
there is a Petronas near my office so should be fine. gonna apply this week
nice. approval took about 1 week for me
is the Maybank Shopee card still worth it in 2026? or got better options already?
still worth it if you Shopee regularly. 10% is hard to beat for Shopee purchases
ok ok will keep it then. just worried the cap is too low
CIMB Petronas Platinum vs RHB Shell — which one better for petrol cashback? i alternate between both stations
CIMB if mostly Petronas. RHB if mostly Shell. simple as that lah
haha fair point. maybe get both one for each station
applied for UOB ONE Card last month. got approved with RM48k annual income, easier than expected
just got approved for UOB ONE card. took about 5 working days, pretty fast ngl
lucky! mine took 2 weeks and they asked for extra docs. which income range you applied under?
RM60k annual, submitted payslip + EPF. maybe that helped
ohh i only sent payslip. maybe that is why lol
which credit card malaysia gives the best air miles? planning to go Japan end of year
for Japan, Maybank World or HSBC TravelOne. MAS Enrich redemption to Tokyo is solid value
love the ai card feature
which card is best for groceries? spending like RM400-500/month at Giant and Jaya Grocer
Public Bank Quantum is good for groceries, 5% cashback. need min RM1k spend/month tho
RM1k/month is doable. does online grocery count too like Jaya Grocer delivery?
should be, as long as merchant category is groceries. check T&C first to be safe
saya guna HSBC Amanah Cash Back card, 8% untuk groceries tiap bulan. memang jimat untuk belanja dapur
no annual fee credit cards in Malaysia — does anyone know which ones genuinely waive forever, not just first year?
CIMB Cash Rebate — genuinely free forever. no minimum spend requirement either
oh nice didn’t know that. gonna apply this week
Public Bank Quantum Visa — tried applying twice, rejected both times. income RM3.5k. anyone know why?
Maybank World Mastercard worth the annual fee? I travel maybe 3-4x a year regionally
Maybank keep devaluing their points to miles. very bad
mana lagi best — Maybank 2 Gold Visa atau CIMB Platinum untuk harian? nak apply sorang je dulu
does the CIMB Cash Rebate card work for Grab rides? trying to maximise cashback on transport
Maybank Grab Mastercard 10% on GrabFood is legit. had it 2 months, RM25 cashback already this month
ya the Grab card is surprisingly good. food + groceries combo is OP
kredit kad yang best untuk isi petrol selain Shell dengan Petronas? dekat area saya banyak BHPetrol je
Standard Chartered Cashback credit card — anyone use it? cashback rate looks decent but cant find reviews
nak tanya, kalau first time apply credit card kena ada berapa lama employment record? baru 6 bulan kerja
6 months should be enough for most banks. bring latest 3 months payslip and EPF
ok thanks! will try apply after 6 month mark
best credit card for online shopping in Malaysia 2026 — still Maybank Shopee or got something better now?
saya compare Hong Leong Wise Mastercard dengan Maybank Visa, mana satu lagi senang nak approve untuk income RM2.5k?
Alliance Bank Visa Signature gives 5% on dining and 3% on petrol. underrated card tbh
kalau nak apply dua credit card sekali gus boleh ke? takut effect credit score
Maybank points redemption is a joke. took forever to process and the rewards catalog is so limited
same here. redeemed RM50 cashback voucher, they said 7-14 days, came after 3 weeks 🙄
exactly. and you cannot even check status online. have to call in
AmBank credit card cashback any good? never see it mentioned much vs Maybank CIMB etc
tanya sikit, annual fee waiver untuk Maybank kena call or boleh waive online sendiri?