What is the best credit card in Malaysia for cashback in 2026?

The best cashback credit cards in Malaysia for 2026 are the RHB Shell Visa (up to 12% at Shell stations), CIMB PETRONAS Platinum Visa (up to 8% at PETRONAS), UOB ONE Card (up to 10% on SHOPEE, Grab and selected merchants) and the Maybank 2 Gold Cards (5% cashback on weekend dining). The best choice depends on whether you spend more on petrol, dining, online shopping, or groceries.

Which credit card earns the most air miles in Malaysia?

HSBC TravelOne Credit Card is currently the top miles-earning card in Malaysia, offering up to 3x points per RM1 on overseas spend that convert to Enrich, KrisFlyer, Asia Miles, and several other frequent flyer programmes. Maybank Visa Infinite and CIMB Travel World Elite Mastercard are strong alternatives for higher-income travellers who want lounge access and travel insurance.

Which credit card in Malaysia has no annual fee for life?

Cards with a lifetime waived annual fee in Malaysia include the Hong Leong Wise Card, Public Bank Quantum Visa, UOB EVOL Card, and CIMB e Credit Card. Many other cards waive the annual fee for the first year or with a minimum annual spend, so always check the latest terms with the issuing bank.

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

Bank Negara Malaysia sets the minimum annual income for credit card applicants at RM24,000 for principal cards. Premium cards require higher income: Gold cards typically RM36,000-RM60,000, Platinum cards RM60,000-RM96,000, Signature cards RM100,000+, and Infinite or World Elite cards RM150,000 to RM250,000 per year.

What is the best petrol credit card in Malaysia?

For petrol cashback in Malaysia, the RHB Shell Visa gives up to 12% cashback at Shell stations, the CIMB PETRONAS Platinum Visa gives up to 8% at PETRONAS, and the Public Bank Quantum Visa offers 5% cashback on petrol at any station. Heavy drivers should pick the card matching the petrol brand they use most.

What is the best credit card for dining in Malaysia?

The Maybank 2 Gold Cards offer 5% cashback on weekend dining, Standard Chartered Simply Cash gives 15% cashback on dining and petrol (capped RM100/month), and UOB Lady's Card provides up to 10% cashback on dining and beauty. For premium dining privileges, look at the HSBC Premier Mastercard and Maybank Visa Infinite.

Which Malaysian credit card offers airport lounge access?

Credit cards with complimentary airport lounge access in Malaysia include the HSBC Visa Infinite, Maybank Visa Infinite, CIMB Travel World Elite Mastercard, Standard Chartered Visa Infinite, and UOB Privilege Banking cards. Most provide access via Priority Pass, DragonPass, or Plaza Premium lounges at KLIA and KLIA2.

Are Islamic (Shariah-compliant) credit cards available in Malaysia?

Yes. Shariah-compliant credit cards in Malaysia include the Bank Islam Visa Infinite-i, Maybank Islamic Ikhwan American Express Gold Card-i, CIMB Islamic Petronas MasterCard-i, and HSBC Amanah MPower Visa Platinum Credit Card-i. These cards use Bai' al-Inah or Tawarruq contracts instead of conventional interest, making them halal and suitable for Muslim cardholders.

How do I apply for a credit card in Malaysia?

To apply for a credit card in Malaysia: 1) Compare cards on rates.my based on your income, spending pattern, and goals (cashback, miles, or rewards). 2) Check eligibility - you must be 21+ and meet the minimum income. 3) Apply online on the bank's website with your MyKad, latest 3 months' payslips or EA form, and EPF or bank statement. 4) Wait 3-14 working days for approval. 5) Activate your card upon delivery and set up online banking.

What credit score or CTOS rating do I need for a credit card in Malaysia?

Most Malaysian banks require a CTOS score above 650 and a clean CCRIS record (no missed payments in the last 12 months) to approve a credit card. Premium cards (Signature, Infinite, World Elite) generally need a score of 697 or higher. Check your CTOS score for free at ctos.com.my before applying to avoid rejections.

Is it worth paying an annual fee for a credit card in Malaysia?

A credit card with an annual fee is worth it if the rewards, cashback, travel insurance, or lounge access you earn exceeds the fee. For example, a RM600 annual fee card that gives 2 lounge visits (value ~RM400) plus 3% cashback on RM30,000 of spending (RM900) gives net value of RM700+. For light spenders, a no-annual-fee card like the UOB EVOL or Hong Leong Wise is usually better.

How do I choose the best credit card in Malaysia for my needs?

Choose a credit card by: 1) Identifying your top 2-3 spending categories (petrol, dining, groceries, online, travel). 2) Matching to a card with bonus rewards in those categories. 3) Checking that you meet the minimum income. 4) Comparing the annual fee vs benefits. 5) Reading the fine print on caps, exclusions and minimum monthly spend. Use the rates.my comparison table to filter all 47 cards by your income and spending profile.

RMReviewed by rates.my Editorial Team

📅 Last updated 1 May 2026

⏱️ 25 min read

🏦 Data verified from 11 Malaysian banks

📊 Updated May 2026 — Compare the best credit cards Malaysia has to offer across cashback, air miles, rewards points, annual fees and minimum income. Our comprehensive guide covers 47 credit cards from every major Malaysian bank including Maybank, CIMB, Public Bank, Hong Leong, RHB, HSBC, Standard Chartered, UOB, AmBank, Alliance Bank and Bank Islam. All data verified directly from official bank websites and updated monthly. Also check our guides on best fixed deposit rates in Malaysia, latest petrol prices in Malaysia, and best dividend yield stocks to optimise your finances.

💰

Best Cashback Cards

Top 5 picks → earn up to 12%

✈️

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No Annual Fee Cards

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Disclosure: rates.my may earn a referral commission when you apply for a card via our links, at no extra cost to you. Our recommendations are based on independent research and are not influenced by bank partnerships. Always verify rates directly with the bank before applying.

⭐ Editorial ratings: Each card below is rated by the rates.my editorial team on a 1–5 scale across rewards rate, fee vs benefits, minimum income accessibility, and category competitiveness. Ratings are editorial opinions based on publicly available bank data; they do not reflect individual user experiences. Last reviewed: May 2026.

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	RM30,000/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*	RM60,000/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*	RM60,000/yr	Apply Now
Maybank Shopee Visa Platinum Best for Shopee	Maybank	Cashback	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	Free*	RM24,000/yr	Apply Now
Maybank Grab Mastercard Platinum Best for Grab Users	Maybank	Cashback	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 Annual fee waived with min. RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
Maybank Visa Signature	Maybank	MilesTravel	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	Free*	RM70,000/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	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+ Annual fee waived with min. RM12,000/yr spend	Free*	RM102,000/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*	RM250,000/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*	RM80,000/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*	RM80,000/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*	RM150,000/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
AmBank Visa Infinite	AmBank	Cashback	2% cashback on overseas & online spend 1% cashback on local retail Complimentary airport lounge access (2x/yr) Annual fee waived with RM80,000/yr spend	Free*	RM150,000/yr	Apply Now
AmBank BonusLink Visa	AmBank	CashbackRewards	8x BonusLink Points on weekend dining 5x BonusLink Points on petrol (all stations) 1x BonusLink Point on other spend Redeem for cashback, flights, or groceries	Free*	RM24,000/yr	Apply Now
AmBank CashBack Visa Platinum	AmBank	Cashback	5% cashback on groceries & petrol 1% cashback on all other retail spend Cashback capped at RM50/month Annual fee waived with RM24,000/yr spend	Free*	RM36,000/yr	Apply Now
AmBank Enrich Visa Infinite	AmBank	MilesTravel	2 Enrich Points per RM1 overseas spend 1 Enrich Point per RM1 local spend Complimentary airport lounge access Travel insurance coverage up to RM1,000,000	Free*	RM100,000/yr	Apply Now
AmBank Islamic Visa Gold-i	AmBank	IslamicCashback	Shariah-compliant credit-i facility 1% cashback on retail spend No compounding profit charges Annual fee waived with RM12,000/yr spend	Free*	RM24,000/yr	Apply Now
AmBank SIGNATURE Priority Banking Visa Infinite	AmBank	RewardsTravel	3x rewards points on overseas spend Unlimited airport lounge access (Priority Pass) Complimentary travel & golf privileges Dedicated Priority Banking Relationship Manager	RM800/yr	RM150,000/yr	Apply Now

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

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Credit Card FAQ

Did you know? Quick facts every Malaysian cardholder should know.

Did you know there's a government service tax on credit cards?

Malaysia charges an annual service tax of RM25 per principal credit card and RM50 per principal platinum-tier card. Supplementary cards are generally exempt. This is a government tax, not a bank fee.

Did you know credit card interest is tiered?

Bank Negara Malaysia caps credit card interest at three tiers: 15% p.a. (prompt payers for 12 consecutive months), 17% p.a. (prompt payers for at least 10 of 12 months), and 18% p.a. for everyone else. Your tier is reviewed monthly.

Did you know late payment fees are capped?

A late payment fee of 1% of the outstanding balance applies, with a minimum of RM10 and a maximum of RM100. This is separate from the interest charged on unpaid balances.

Did you know cashback usually has a monthly cap?

Most cashback cards cap the rebate per month (e.g. RM30, RM50, or RM80). Once you hit the cap, additional spending earns the base rate or nothing, so spending more doesn't always mean more cashback.

Did you know paying only the minimum is expensive?

The typical 5% minimum payment is designed to keep your account current, not to clear the balance. At 18% p.a., paying only the minimum on a large balance can take many years and cost more in interest than the original purchase.

Did you know overseas transactions have an FX markup?

On top of the Visa/Mastercard wholesale exchange rate, banks typically add a 1%-3% foreign transaction markup. Some travel-focused cards reduce or waive this markup.

Did you know annual fees can often be waived?

Many Malaysian cards waive the annual fee if you swipe a minimum number of times per year (often 12) or meet a minimum annual spend. Always check the current T&Cs directly with the issuing bank.

Information is general in nature and subject to change. Always verify current rates, fees and terms directly with the issuing bank before applying.

95 thoughts on “Best Credit Cards Malaysia 2026”

DerekTing_KL
April 23, 2026 at 11:40 am

switched from Maybank to UOB ONE last quarter. UOB cashback structure more transparent, worth the switch

Reply
1. BryanFoo_JB
  April 23, 2026 at 12:10 pm
  
  same here switched to UOB. Maybank reward system is too confusing now
  
  Reply
RashidahYusof
April 23, 2026 at 1:05 pm

ada tak credit card yang bagus untuk bayar bill TNB, Unifi, semua utilities sekali? nak consolidate je

Reply
IvanNg_Ipoh
April 23, 2026 at 2:30 pm

Public Bank Visa Infinite — heard it has good lounge access. anyone tried klia lounge with it?

Reply
1. AmyTeoJY
  April 23, 2026 at 3:00 pm
  
  yes PB Infinite gets you into KLIA Plaza Premium. been there twice this year
  
  Reply
2. IvanNg_Ipoh
  April 23, 2026 at 3:20 pm
  
  oh nice! that alone might justify the annual fee honestly
  
  Reply
NorhaslindaMd
April 23, 2026 at 3:50 pm

HSBC TravelOne cashback rate macam mana? nampak ok untuk travel tapi tak sure pasal fees dia

Reply
SuzieSulaiman
April 23, 2026 at 4:45 pm

does anyone know if the RHB Shell card works at Shell stations in East Malaysia too?

Reply
1. Edwin_Miri
  April 23, 2026 at 5:10 pm
  
  yes works fine in Sarawak. been using at Shell in KK and Miri no problem
  
  Reply
2. SuzieSulaiman
  April 23, 2026 at 5:35 pm
  
  oh great! was worried it might be Peninsular only. thanks Edwin!
  
  Reply
GarethAbraham
April 23, 2026 at 5:20 pm

top 3 credit cards Malaysia for daily use imo: UOB ONE, Maybank Grab, CIMB Petronas. depends on lifestyle

Reply
1. PriyaKaur_KL
  April 23, 2026 at 5:50 pm
  
  would add Public Bank Quantum for groceries. that 5% is real value if you spend at supermarkets
  
  Reply
2. GarethAbraham
  April 23, 2026 at 6:15 pm
  
  fair point, forgot about PB Quantum. good shout for grocery lovers
  
  Reply
HazirahIdris
April 23, 2026 at 6:40 pm

baru reject masa apply RHB card. score CCRIS 685, ada personal loan. normal ke kena reject?

Reply
LeslieTan_SG
April 23, 2026 at 8:00 pm

just moved to KL from SG. which credit card to get first in Malaysia? looking for cashback on groceries mainly

Reply
NorAzwanHalim
April 23, 2026 at 9:15 pm

ada sesiapa pakai AmBank True Visa? cashback dia macam mana, worth it tak?

Reply
ClarissaYap_MY
April 23, 2026 at 10:30 pm

best credit card Malaysia no annual fee 2026 — i keep coming back to CIMB Cash Rebate as the answer tbh

Reply
Hazwan_Ipoh
April 24, 2026 at 2:01 am

ada sesiapa try RHB Shell tu? berbaloi ke?

Reply
1. Norizan_Shah
  April 24, 2026 at 2:01 am
  
  pakai dah 6 bulan. cashback masuk tapi cap dia RM30/bulan je
  
  Reply
2. Hazwan_Ipoh
  April 24, 2026 at 2:01 am
  
  ohh sekecik tu ke. tak worth la kalau macam tu
  
  Reply
3. Norizan_Shah
  April 24, 2026 at 2:01 am
  
  tapi kalau isi minyak tak banyak, RM30 tu cukup la. depends usage korang
  
  Reply
Tiqah
April 24, 2026 at 2:01 am

Maybank Shopee card ok tak for daily use? bukan shopee addict pun

Reply
1. KhalilMY
  April 24, 2026 at 2:01 am
  
  3% untuk online shopping je, lain tu 1%. ok la kalau selalu beli barang online
  
  Reply
2. Tiqah
  April 24, 2026 at 2:01 am
  
  ohhh okay thanks! nak compare dulu dengan CIMB
  
  Reply
FaizurRashid
April 24, 2026 at 2:01 am

mana lagi bagus untuk travel, Maybank or UOB?

Reply
1. SyedHariz
  April 24, 2026 at 2:01 am
  
  UOB ONE kalau selalu spend RM1k above. Maybank kalau nak senang je
  
  Reply
2. FaizurRashid
  April 24, 2026 at 2:01 am
  
  RM1k sebulan ok lah tu. cuba tengok UOB dulu
  
  Reply
Epul_KL
April 24, 2026 at 2:01 am

semua card ni annual fee dia tipu. cakap free tapi ada hidden charges 😤

Reply
1. Rozita_PJ
  April 24, 2026 at 2:01 am
  
  yela tu. pastu bila call CS dia suruh kita spend 12k baru waive 😂
  
  Reply
2. Epul_KL
  April 24, 2026 at 2:01 am
  
  HAHA exactly!! konon free tapi takde free pun
  
  Reply
3. danialhakim_
  April 24, 2026 at 2:01 am
  
  cimb cash rebate betul2 free. saya dah 2 tahun takde annual fee langsung
  
  Reply
4. liker
  May 2, 2026 at 5:08 am
  
  [LIKE]
  
  Reply
amirahzulkifli
April 24, 2026 at 2:01 am

baru grad nak apply credit card pertama. income 3k boleh apply yang mana?

Reply
1. Hafizuddin99
  April 24, 2026 at 2:01 am
  
  CIMB Cash Rebate atau Maybank Visa Platinum. dua2 senang approve untuk baru kerja
  
  Reply
2. amirahzulkifli
  April 24, 2026 at 2:01 am
  
  eh boleh ke apply dua sekali gus?
  
  Reply
3. Hafizuddin99
  April 24, 2026 at 2:01 am
  
  boleh tapi jangan. apply satu dulu, tunggu approve baru next one
  
  Reply
4. amirahzulkifli
  April 24, 2026 at 2:01 am
  
  ok ok faham! thanks bro 🙏
  
  Reply
Maybank Disappointing
April 27, 2026 at 6:02 am

Maybank keep reducing their miles conversion on their card. Booo

Reply
Debt free
April 28, 2026 at 10:05 am

i think the mercedes maybank card looks quite cool

Reply
Young adult
May 5, 2026 at 7:52 am

Uob travel card pretty good

Reply
1. hooman
  May 5, 2026 at 12:03 pm
  
  helped alot with my travels!
  
  Reply
ray
May 11, 2026 at 3:39 am

Maybank card just for convenience, but benefits idk

Reply

95 thoughts on “Best Credit Cards Malaysia 2026”

DerekTing_KL
April 23, 2026 at 11:40 am

switched from Maybank to UOB ONE last quarter. UOB cashback structure more transparent, worth the switch

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1. BryanFoo_JB
  April 23, 2026 at 12:10 pm
  
  same here switched to UOB. Maybank reward system is too confusing now
  
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RashidahYusof
April 23, 2026 at 1:05 pm

ada tak credit card yang bagus untuk bayar bill TNB, Unifi, semua utilities sekali? nak consolidate je

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IvanNg_Ipoh
April 23, 2026 at 2:30 pm

Public Bank Visa Infinite — heard it has good lounge access. anyone tried klia lounge with it?

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1. AmyTeoJY
  April 23, 2026 at 3:00 pm
  
  yes PB Infinite gets you into KLIA Plaza Premium. been there twice this year
  
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2. IvanNg_Ipoh
  April 23, 2026 at 3:20 pm
  
  oh nice! that alone might justify the annual fee honestly
  
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NorhaslindaMd
April 23, 2026 at 3:50 pm

HSBC TravelOne cashback rate macam mana? nampak ok untuk travel tapi tak sure pasal fees dia

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SuzieSulaiman
April 23, 2026 at 4:45 pm

does anyone know if the RHB Shell card works at Shell stations in East Malaysia too?

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1. Edwin_Miri
  April 23, 2026 at 5:10 pm
  
  yes works fine in Sarawak. been using at Shell in KK and Miri no problem
  
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2. SuzieSulaiman
  April 23, 2026 at 5:35 pm
  
  oh great! was worried it might be Peninsular only. thanks Edwin!
  
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GarethAbraham
April 23, 2026 at 5:20 pm

top 3 credit cards Malaysia for daily use imo: UOB ONE, Maybank Grab, CIMB Petronas. depends on lifestyle

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1. PriyaKaur_KL
  April 23, 2026 at 5:50 pm
  
  would add Public Bank Quantum for groceries. that 5% is real value if you spend at supermarkets
  
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2. GarethAbraham
  April 23, 2026 at 6:15 pm
  
  fair point, forgot about PB Quantum. good shout for grocery lovers
  
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HazirahIdris
April 23, 2026 at 6:40 pm

baru reject masa apply RHB card. score CCRIS 685, ada personal loan. normal ke kena reject?

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LeslieTan_SG
April 23, 2026 at 8:00 pm

just moved to KL from SG. which credit card to get first in Malaysia? looking for cashback on groceries mainly

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NorAzwanHalim
April 23, 2026 at 9:15 pm

ada sesiapa pakai AmBank True Visa? cashback dia macam mana, worth it tak?

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ClarissaYap_MY
April 23, 2026 at 10:30 pm

best credit card Malaysia no annual fee 2026 — i keep coming back to CIMB Cash Rebate as the answer tbh

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Hazwan_Ipoh
April 24, 2026 at 2:01 am

ada sesiapa try RHB Shell tu? berbaloi ke?

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1. Norizan_Shah
  April 24, 2026 at 2:01 am
  
  pakai dah 6 bulan. cashback masuk tapi cap dia RM30/bulan je
  
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2. Hazwan_Ipoh
  April 24, 2026 at 2:01 am
  
  ohh sekecik tu ke. tak worth la kalau macam tu
  
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3. Norizan_Shah
  April 24, 2026 at 2:01 am
  
  tapi kalau isi minyak tak banyak, RM30 tu cukup la. depends usage korang
  
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Tiqah
April 24, 2026 at 2:01 am

Maybank Shopee card ok tak for daily use? bukan shopee addict pun

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1. KhalilMY
  April 24, 2026 at 2:01 am
  
  3% untuk online shopping je, lain tu 1%. ok la kalau selalu beli barang online
  
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2. Tiqah
  April 24, 2026 at 2:01 am
  
  ohhh okay thanks! nak compare dulu dengan CIMB
  
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FaizurRashid
April 24, 2026 at 2:01 am

mana lagi bagus untuk travel, Maybank or UOB?

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1. SyedHariz
  April 24, 2026 at 2:01 am
  
  UOB ONE kalau selalu spend RM1k above. Maybank kalau nak senang je
  
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2. FaizurRashid
  April 24, 2026 at 2:01 am
  
  RM1k sebulan ok lah tu. cuba tengok UOB dulu
  
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Epul_KL
April 24, 2026 at 2:01 am

semua card ni annual fee dia tipu. cakap free tapi ada hidden charges 😤

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1. Rozita_PJ
  April 24, 2026 at 2:01 am
  
  yela tu. pastu bila call CS dia suruh kita spend 12k baru waive 😂
  
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2. Epul_KL
  April 24, 2026 at 2:01 am
  
  HAHA exactly!! konon free tapi takde free pun
  
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3. danialhakim_
  April 24, 2026 at 2:01 am
  
  cimb cash rebate betul2 free. saya dah 2 tahun takde annual fee langsung
  
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4. liker
  May 2, 2026 at 5:08 am
  
  [LIKE]
  
  Reply
amirahzulkifli
April 24, 2026 at 2:01 am

baru grad nak apply credit card pertama. income 3k boleh apply yang mana?

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1. Hafizuddin99
  April 24, 2026 at 2:01 am
  
  CIMB Cash Rebate atau Maybank Visa Platinum. dua2 senang approve untuk baru kerja
  
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2. amirahzulkifli
  April 24, 2026 at 2:01 am
  
  eh boleh ke apply dua sekali gus?
  
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3. Hafizuddin99
  April 24, 2026 at 2:01 am
  
  boleh tapi jangan. apply satu dulu, tunggu approve baru next one
  
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4. amirahzulkifli
  April 24, 2026 at 2:01 am
  
  ok ok faham! thanks bro 🙏
  
  Reply
Maybank Disappointing
April 27, 2026 at 6:02 am

Maybank keep reducing their miles conversion on their card. Booo

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Debt free
April 28, 2026 at 10:05 am

i think the mercedes maybank card looks quite cool

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Young adult
May 5, 2026 at 7:52 am

Uob travel card pretty good

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1. hooman
  May 5, 2026 at 12:03 pm
  
  helped alot with my travels!
  
  Reply
ray
May 11, 2026 at 3:39 am

Maybank card just for convenience, but benefits idk

Reply

Best Credit Cards Malaysia 2026

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95 thoughts on “Best Credit Cards Malaysia 2026”

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95 thoughts on “Best Credit Cards Malaysia 2026”

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95 thoughts on “Best Credit Cards Malaysia 2026”

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