Best Travel Credit Cards in Malaysia 2026
Travel cards bundle the perks that matter on the road — complimentary airport lounge access, travel insurance and miles on your spending. The best Malaysian travel cards make trips smoother and can pay for themselves if you fly a few times a year. Here are the top options.
52 cards · ranked by overall value
5x CIMB Points per RM1 spent overseas
Up to 25X TreatsPoints for every RM5 spent
3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online
Up to 12% cashback at PETRONAS/Setel (RM4,000+ statement balance; 6% below that), capped RM60/mo
Up to 6% cashback on domestic, overseas & online spend (RM3,500+/mo)
Up to 6% cashback on domestic, overseas & petrol spend (RM3,500+/mo)
8x Reward Points per RM1 overseas & online
0.3% unlimited Cash MegaBonus on local retail spend
5x Loyalty Plus points per RM1 overseas spend
Unlimited airport lounge access + Malaysia Airlines Business Class upgrade (SC Priority Private, AUM ≥ RM3m)
Unlimited Plaza Premium lounge access (cardholder + 1 guest)
5x HLB Rewards Points per RM1 overseas spend
5x Air Miles Points per RM1 overseas + 5x lounge access
8x Air Miles per RM1 spent overseas
10x Reward Points per RM1 overseas spend
10x UNIRM per RM1 overseas spend (≈0.83 miles/RM1)
10x points/RM1 overseas dining & shopping + 8 airport lounge visits/yr (SC Priority Banking, AUM ≥ RM350k)
10x CIMB Points per RM1 spent overseas
0.2% unlimited Cash MegaBonus on every Ringgit spent, local & overseas
4x UNIRinggit per RM1 on overseas spend
1 Travel$ per RM1 local & 5x overseas — redeems as cash credit
5x Rewards Points per RM1 on dining & petrol
2 Enrich Points per RM1 overseas spend
Premium travel — 5x lounge visits + RM2m travel insurance
10x points at Mercedes-Benz Autohaus + Accor Plus membership
5x AmBonus Points per RM1 on overseas spend
3x rewards points on overseas spend
Metal card — unlimited lounge + RM1m travel insurance
Unlimited lounge access + 5x overseas points
5x points on overseas, airlines & duty-free
8% AEON cashback on Thank-You Days + 5% dining
Free-for-life Islamic Gold with zero overseas FX fee
Up to 5% everyday cashback with free takaful (Islamic)
Free-for-life Islamic Gold with automatic travel takaful
Affordable Islamic Platinum with cashback + takaful
Free-for-life travel points — 2x overseas + lounge
Free-for-life Islamic Platinum, 2x dining & travel points
10% AEON cashback on Thank-You Days + lounge access
5% air/hotel cashback + free lounge access (Islamic)
Unlimited lounge access + 10x overseas points
5x points overseas + lounge access in 50+ countries
Bonus points when Man Utd win + premium travel perks
Shariah-compliant Visa Infinite with air-miles conversion
Up to 12x UNIRM overseas + 8 lounge visits/year
Up to 8% cashback + global lounge access (Islamic)
1% overseas cashback + RM2m travel insurance
3x overseas points + RM1m travel insurance
Lifetime-free Islamic Infinite with lounge access
Shariah-compliant premium card with lounge passes
8x points + 8x lounge visits (CIMB Preferred)
12x lounge visits/year + up to 50% relationship bonus points
3 miles per RM1 spent overseas
How we rank these cards
We shortlist cards relevant to travel and order them by overall value — headline reward rate, the breadth of benefits, and how accessible the income requirement is — with featured cards surfaced first. Rates and promotions are indicative and time-limited; always confirm the latest terms with the bank before applying. Not financial advice.
Travel credit cards — FAQ
What makes a good travel credit card in Malaysia?
The most valuable travel perks are complimentary airport lounge access, travel insurance, and a solid miles earn rate with useful transfer partners. A no-foreign-transaction-fee feature also helps on overseas spend. Weigh these against the annual fee and how often you travel.
Do travel cards include travel insurance?
Many premium travel cards include complimentary travel insurance when you charge your trip to the card, often covering flight delays, lost luggage and medical emergencies. Always read the policy limits and conditions before relying on it.
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