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.
🔥 Trending This Month
Best current sign-up offers · updated 20 July 2026Promotions are indicative and time-limited — always confirm current terms with the bank before applying.
🎁 Promos This Month — July 2026
Current offers · as of 20 July 2026✈️ Miles & points bonuses
- Enrich Conversion Bonus — 10% extra pointsuntil 18 August 2026
Convert eligible bank reward points to Enrich Points and earn a 10% bonus on top, valid through 18 August 2026 (the 20% early-bird window on 8–10 July has closed). Participating banks include Maybank, CIMB, UOB, Hong Leong and Alliance. Handy for topping up an Enrich balance before redeeming a flight award — confirm current rates and terms on the official Enrich page before converting.
Official Malaysia Airlines Enrich terms → - Cathay Asia Miles Transfer Bonus — 10% extra milesuntil 31 July 2026
Transfer eligible credit card reward points to Cathay's Asia Miles and receive a 10% bonus on top, with no cap on the bonus. Open to members in Malaysia (and several other Asian markets). Useful if you're topping up for a Cathay Pacific or oneworld award — confirm the participating cards, your region's eligibility and the exact end date on the official Cathay page before transferring. Ends soon.
Official Cathay / Asia Miles terms →
💳 Credit card sign-up promos & free gifts (23)
- MaybankMaybank 2 Gold Cards
🎁 RM2,500 DuitNow cash draw (every 40th applicant) — spend RM300 in 30 days
- MaybankMaybank 2 Platinum Cards
🎁 RM2,500 DuitNow cash draw (every 40th applicant) — spend RM300 in 30 days
🎁 RM2,500 DuitNow cash draw (every 40th applicant) — spend RM300 in 30 days
🎁 RM2,500 DuitNow cash draw (every 40th applicant) — spend RM300 in 30 days
- HSBC MalaysiaHSBC Live+ Credit Card
🎁 RM500 TnG credit guaranteed + RM3,888 TnG draw (every 28th applicant) — spend RM3,000 in 60 days
- HSBC MalaysiaHSBC TravelOne Credit Card
🎁 RM500 TnG credit guaranteed + RM3,888 TnG draw (every 28th applicant) — spend RM3,000 in 60 days
- HSBC MalaysiaHSBC Visa Signature Credit Card
🎁 RM500 TnG credit guaranteed + RM3,888 TnG draw (every 28th applicant) — spend RM3,000 in 60 days
- UOB BankUOB ONE Card
🎁 RM188 TnG credit (spend RM200 in 60 days)
- UOB BankUOB Simple Card
🎁 RM188 TnG credit guaranteed (spend RM200 in 60 days)
- UOB BankUOB Visa Infinite Card
🎁 RM300 TnG credit (spend RM400 in 60 days)
- UOB BankUOB Lady's Card
🎁 RM188 TnG credit guaranteed (spend RM200 in 60 days)
- UOB BankUOB World Card
🎁 RM300 TnG credit (spend RM400 in 60 days)
- AmBankAmBank Visa Infinite
🎁 Apple Watch Series 11 draw (every 38th applicant) + RM200 TnG guaranteed (spend RM400 in 60 days)
🎁 Apple Watch Series 11 draw (every 38th applicant) + RM100 TnG guaranteed (spend RM200 in 60 days)
🎁 Apple Watch Series 11 draw (every 38th applicant) + RM100 TnG guaranteed (spend RM200 in 60 days)
- Alliance BankAlliance Bank Visa Platinum
🎁 Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
- Alliance BankAlliance Bank Visa Virtual
🎁 Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
- OCBC BankOCBC 365 MasterCard
🎁 Apple iPad Air M4 draw (every 38th applicant) + RM300–500 TnG guaranteed, tiered by balance transfer (spend RM100 in 60 days)
- UOB BankUOB PRVI Miles Elite Card
🎁 RM300 TnG credit guaranteed (spend RM400 in 60 days)
- UOB BankUOB EVOL Card
🎁 RM188 TnG credit guaranteed (spend RM200 in 60 days)
- Alliance BankAlliance Bank Visa Infinite
🎁 Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
🎁 Apple Watch Series 11 draw (every 38th applicant) + RM100 TnG guaranteed (spend RM200 in 60 days)
🎁 Apple Watch Series 11 draw (every 38th applicant) + RM200 TnG guaranteed (spend RM400 in 60 days)
Promotions are time-limited and subject to the issuer's terms — always confirm the current offer and eligibility with the bank or programme before applying. Not financial advice.
Points → Miles Calculator
Turn your card points into Enrich, KrisFlyer, Asia Miles & AirAsia — and see how far they fly you in Business Class. 🏝️
Every card's top rate, max cashback a month & categories — filter by petrol, groceries…
Two cards, every field — cashback, caps, fees, perks & fine print.
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Tell us what you want; our AI picks from 90+ cards · powered by Claude
Showing 94 credit cards
- ✓5% weekend cashback on all purchases except government bodies & utilities (Amex card), capped RM50/principal/month
- ✓Weekdays earn 5x TreatsPoints (Amex) or 1x (Visa/Mastercard), not cashback
- ✓Petron & PETRONAS fuel savings
- ✓Up to 25X TreatsPoints for every RM5 spent
- ✓16 complimentary Plaza Premium lounge visits/yr
- ✓Travel insurance up to USD1,000,000
- ✓Up to 5% cashback on petrol, groceries & utilities (capped RM30/mo) with min. RM3,000/mo spend
- ✓2% cashback in these categories below RM3,000/mo spend
- ✓0.2% cashback on all other spend
- ✓5x CIMB Points per RM1 spent overseas
- ✓1x CIMB Point per RM1 local spend
- ✓Transfer points to Enrich, KrisFlyer & Asia Miles
- ✓5% cashback on online spend, contactless & grocery
- ✓0.5% cashback on all other spend
- ✓Capped at RM30/mo cashback per category
- ✓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
- ✓5% weekend cashback on all purchases except government bodies & utilities (Amex card)
- ✓Weekdays earn TreatsPoints, not cashback
- ✓Higher credit limit than Gold tier
- ✓8% cashback on petrol at PETRONAS (capped RM50/mo)
- ✓5% cashback on groceries & dining
- ✓0.2% cashback on other spend
- ✓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
Credit Card Community 💬
Which card gives you the best cashback or miles? Share tips, ask about approvals and compare experiences.
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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
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.
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.
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.
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.
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.
Rates.my is an independent comparison site — not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card names and logos are the property of their respective owners and are used for identification only. Some “Apply” links are partner links — we may earn a commission if you're approved, at no extra cost to you, and it never affects our rankings or what you pay. Details are indicative; always confirm current terms with the bank before applying. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.