HSBC Malaysia Credit Cards
Last updated 30 June 2026 · Reviewed by Raymond, Rates.my
HSBC Malaysia credit cards overview
HSBC Malaysia offers 5 credit cards listed here, spanning air miles and cashback. 4 of them are free-for-life with no annual fee. Entry-level eligibility starts from a minimum income of RM102,000 a year. The headline pick is the HSBC Visa Signature Credit Card — 8x reward points per rm1 overseas & online. Compare every HSBC Malaysia card below by reward type, annual fee and income requirement, then read full reviews before you apply.
All HSBC Malaysia credit cards
8x Reward Points per RM1 overseas & online
8x Air Miles per RM1 spent overseas
10x Reward Points per RM1 overseas spend
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
8% cashback on petrol & groceries (capped RM50/mo)
How to apply for a HSBC Malaysia credit card
Apply online via the HSBC Malaysiawebsite or banking app, or at any branch. You'll generally need to be at least 21 (supplementary cards from 18), meet the card's minimum annual income of RM102,000 or more, and provide your MyKad (or passport for non-residents), your latest payslips or EA form, and recent bank statements or your BE form if self-employed. Approval and the final credit limit are at HSBC Malaysia's discretion. Not financial advice.
HSBC Malaysia credit cards FAQ
Our top HSBC Malaysia pick is the HSBC Visa Signature Credit Card — 8x reward points per rm1 overseas & online. The best card for you depends on where you spend: compare the cashback, rewards and fees in the list above against your own habits.
4 cards are free-for-life: HSBC Visa Signature Credit Card, HSBC Premier World Mastercard Credit Card, HSBC Live+ Credit Card, HSBC Amanah MPower Platinum Credit Card-i. Always confirm the latest fee terms with HSBC Malaysia, as waiver conditions can change.
Entry-level HSBC Malaysia cards start from a minimum annual income of about RM102,000 (roughly RM8,500/month). Premium cards require more — each card's exact requirement is shown above.
Yes — HSBC Malaysia offers 1 Shariah-compliant card (HSBC Amanah MPower Platinum Credit Card-i), which use a profit/fee structure instead of conventional interest (riba).
Apply online at the HSBC Malaysia website or app, or at a branch. You'll typically need to be at least 21, meet the card's minimum income, and provide your MyKad (or passport), latest payslips or EA form, and recent bank statements or BE form if self-employed.
Yes — for example the HSBC Visa Signature Credit Card: RM800 TnG credit guaranteed (spend RM3,000 in 60 days) Sign-up promotions are time-limited and have terms; confirm the current offer with HSBC Malaysia before applying.
Rates, fees and promotions are indicative and time-limited — always confirm current terms with HSBC Malaysia before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by HSBC Malaysia; the bank's name and card names/logos belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.