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.
50 cards · ranked by value
5x CIMB Points per RM1 spent overseas
Up to 25X TreatsPoints for every RM5 spent
8x Reward Points per RM1 overseas & online
8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend)
8x Rewards Points per RM1 overseas & online
3 miles per RM1 spent overseas
4x UNIRinggit per RM1 on overseas spend
2.1 miles per RM1 spent overseas
5x Bonus Points per RM1 overseas spend
8x Bonus Points per RM1 overseas spend
Unlimited Plaza Premium lounge access (cardholder + 1 guest)
5x HLB Rewards Points per RM1 overseas spend
8x Air Miles per RM1 spent overseas
10x Reward Points per RM1 overseas spend
10x Rewards Points per RM1 overseas
4 miles per RM1 overseas spend
10x Bonus Points per RM1 overseas spend
Unlimited airport lounge access worldwide (LoungeKey)
10x CIMB Points per RM1 spent overseas
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
2% cashback on overseas & online 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)
Air miles to Enrich/AirAsia + 5x lounge access
1.2% 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)
Up to 60% dining cashback + unlimited lounge access
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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