Best Credit Cards in Malaysia (September 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? Pick a no-forex-fee card for the trip.
🔥 Trending This Month
Best current sign-up offers · updated 7 September 2026Promotions are indicative and time-limited — always confirm current terms with the bank before applying.
🎁 Promos This Month — September 2026
Current offers · as of 7 September 2026✈️ Miles & points bonuses
- CIMB Bonus Points → 20% Bonus KrisFlyer Miles (Singapore Airlines)until 30 September 2026
Convert a minimum 150,000 CIMB Bonus Points to KrisFlyer miles and get a 20% bonus, capped at 10,000 bonus miles per cardholder. CIMB Mastercard credit cardholders only (not CIMB Visa).
Official CIMB / Singapore Airlines terms → - KrisFlyer ⇄ Shangri-La Circle Points — 30% Conversion Bonusuntil 31 October 2026
Transfer KrisFlyer miles to Shangri-La Circle Points, or Circle Points to KrisFlyer miles, and get a 30% bonus either way (e.g. 1,000 Circle Points → 1,625 miles instead of 1,250). Minimum 1,000 Circle Points per conversion. The 10 members with the highest conversion volume get a further 10% bonus.
Official Singapore Airlines KrisFlyer / Shangri-La terms →
💳 Credit card sign-up promos & free gifts (23)
- MaybankMaybank 2 Platinum Cards
🎁 RM100 cashback for the first 200 new Amex cardholders each month — apply via Maybank2u/MAE, spend RM300 in 30 days (to 31 Jan 2027)
🎁 RM50 cashback — make at least 1 retail transaction within 45 days of approval (no minimum spend; limited to new-to-Maybank credit card customers only)
- HSBC MalaysiaHSBC Live+ Credit Card
🎁 RM500 TnG credit guaranteed — apply via RinggitPlus, get approved, activate & spend RM3,000 in 60 days (promo 7–9 Sep 2026)
- HSBC MalaysiaHSBC TravelOne Credit Card
🎁 RM1,000 TnG credit guaranteed — apply via RinggitPlus, get approved, activate & spend RM3,000 in 60 days (promo 7–9 Sep 2026)
- HSBC MalaysiaHSBC Visa Signature Credit Card
🎁 RM500 TnG credit guaranteed — apply via RinggitPlus, get approved, activate & spend RM3,000 in 60 days (promo 7–9 Sep 2026)
- RHB BankRHB Shell Visa Credit Card
🎁 Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval)
- RHB BankRHB Cash Back Visa Credit Card
🎁 Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval)
- RHB BankRHB Rewards Visa / Mastercard
🎁 Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval)
- RHB BankRHB Visa Signature
🎁 Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval)
- RHB BankRHB World Mastercard
🎁 Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval)
🎁 Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval)
- UOB BankUOB ONE Card
🎁 Up to RM138 cashback — RM88 for RM200 retail spend in 60 days (to 31 Dec 2026) + up to RM50 more for setting up 1 eligible recurring payment within 60 days (that add-on ends 31 Aug 2026); plus 1-year annual fee waiver — official UOB welcome offer
- UOB BankUOB Simple Card
🎁 RM88 cashback — spend RM200 in 60 days; no annual fee waiver (UOB Simple Card excluded) (via UOB site, to 31 Dec 2026)
- UOB BankUOB Visa Infinite Card
🎁 RM88 cashback — spend RM200 in 60 days (to 31 Dec 2026) + up to RM50 more for setting up 1 eligible recurring payment within 60 days (that add-on ends 31 Aug 2026); plus 1-year annual fee waiver — official UOB welcome offer
- UOB BankUOB Lady's Card
🎁 RM88 cashback — spend RM200 in 60 days; plus 1-year annual fee waiver — official UOB welcome offer (to 31 Dec 2026)
- UOB BankUOB World Card
🎁 RM88 cashback — spend RM200 in 60 days (to 31 Dec 2026) + up to RM50 more for setting up 1 eligible recurring payment within 60 days (that add-on ends 31 Aug 2026); plus 1-year annual fee waiver — official UOB welcome offer
- AmBankAmBank Visa Infinite
🎁 RM100 cashback — apply direct with AmBank, activate & make 8 retail transactions in 60 days (to 30 Sep 2026, monthly pool capped)
🎁 Up to 45,000 BonusLink Points + Shell Gold tier upgrade — spend RM3,000 in 60 days (campaign 1 Apr–30 Sep 2026)
🎁 RM100 cashback — apply direct with AmBank, activate & make 8 retail transactions in 60 days (to 30 Sep 2026, monthly pool capped)
- UOB BankUOB PRVI Miles Elite Card
🎁 RM88 cashback — spend RM200 in 60 days (to 31 Dec 2026) + up to RM50 more for setting up 1 eligible recurring payment within 60 days (that add-on ends 31 Aug 2026); plus 1-year annual fee waiver — official UOB welcome offer
- UOB BankUOB EVOL Card
🎁 RM88 cashback — spend RM200 in 60 days (to 31 Dec 2026) + up to RM50 more for setting up 1 eligible recurring payment within 60 days (that add-on ends 31 Aug 2026); plus 1-year annual fee waiver — official UOB welcome offer
🎁 RM100 cashback — apply direct with AmBank, activate & make 8 retail transactions in 60 days (to 30 Sep 2026, monthly pool capped)
🎁 RM100 cashback — apply direct with AmBank, activate & make 8 retail transactions in 60 days (to 30 Sep 2026, monthly pool capped)
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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Showing 95 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
- ✓Up to 8x CIMB Points per RM1 spent overseas (Airlines/Duty Free sub-category may earn only 1x per an older CIMB rewards T&C — unconfirmed)
- ✓2x CIMB Points per RM1 local spend
- ✓Transfer points to Enrich, KrisFlyer & Asia Miles
- ✓Quantum Mastercard: 2% cashback on overseas transactions (min RM100/transaction)
- ✓Quantum Visa: 1% cashback on contactless transactions (min RM100/transaction)
- ✓Each capped at RM20 per statement cycle, combined across principal + supplementary
- ✓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), capped RM50/principal/month
- ✓Weekdays earn TreatsPoints, not cashback
- ✓Higher credit limit than Gold tier
- ✓8% cashback on PETRONAS fuel & Kedai Mesra spend, weekends (Sat–Sun)
- ✓1% cashback on the same PETRONAS spend, weekdays (Mon–Fri) — shared cap RM50/mo, RM600/yr
- ✓1X TreatsPoints per RM1 on groceries, dining & other retail spend (not cashback)
- ✓Up to 5X Shopee Coins when you spend on Shopee
- ✓5,000 Welcome Shopee Coins with min. spend of RM300 within 60 days
- ✓Annual fee waived for life — no minimum spend condition
Credit Card Community 💬
Which card gives you the best cashback or miles? Share tips, ask about approvals and compare experiences.
💬 Discussion (3)
Live · last activity 11 Jul 2026
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.
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