Kad Kredit Terbaik di Malaysia 2026
🇬🇧 Read in English →Bandingkan kad kredit pulangan tunai, ganjaran dan perjalanan dari bank-bank utama Malaysia. Tapis mengikut jenis ganjaran, yuran tahunan dan syarat pendapatan untuk cari kad yang paling sesuai untuk anda.
Tanya AI — Cari Kad Anda
Beritahu kami kehendak anda; AI kami pilih daripada 55 kad · dikuasakan oleh Claude
JENIS GANJARAN
YURAN TAHUNAN
SYARAT PENDAPATAN
Menunjukkan 55 kad kredit
⭐ Paling Popular
Maybank
Maybank 2 Gold Cards
GoldVisa
PULANGAN TUNAI
5% cashback on weekends: dining, groceries & petrol
🎁 Promosi: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Yuran Tahunan
Percuma
Free for life
Pendapatan Min.
RM30k/thn
RM2500/bln
- ✓5% cashback on weekends: dining, groceries & petrol
- ✓0.2% cashback on all weekday spend (unlimited)
- ✓Petron & PETRONAS fuel savings
⭐ Paling Popular
Maybank
Maybank World Elite Mastercard
EliteMastercard
MIL
Up to 25X TreatsPoints for every RM5 spent
🎁 Promosi: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM190k/thn
RM15833/bln
- ✓Up to 25X TreatsPoints for every RM5 spent
- ✓16 complimentary Plaza Premium lounge visits/yr
- ✓Travel insurance up to USD1,000,000
LoungeInsurans Perjalanan
Mohon Sekarang →⭐ Paling Popular
CIMB Bank
CIMB Cash Rebate Platinum Credit Card
PlatinumVisa
PULANGAN TUNAI
10% cashback on petrol (capped RM20/mo)
Had: RM20/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓10% cashback on petrol (capped RM20/mo)
- ✓5% cashback on groceries & utilities (capped RM20/mo)
- ✓0.2% cashback on all other spend
⭐ Paling Popular
CIMB Bank
CIMB Travel World Credit Card
WorldVisa
MIL
5x CIMB Points per RM1 spent overseas
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓5x CIMB Points per RM1 spent overseas
- ✓1x CIMB Point per RM1 local spend
- ✓Transfer points to Enrich, KrisFlyer & Asia Miles
LoungeInsurans Perjalanan
Mohon Sekarang →⭐ Paling Popular
Public Bank
Public Bank Quantum Visa / Mastercard
CardMastercard
PULANGAN TUNAI
5% cashback on online spend, contactless & grocery
Had: RM30/bulan
Yuran Tahunan
Percuma
Free for life
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓5% cashback on online spend, contactless & grocery
- ✓0.5% cashback on all other spend
- ✓Capped at RM30/mo cashback per category
⭐ Paling Popular
UOB Bank
UOB ONE Card
CardVisa
PULANGAN TUNAI
Up to 10% cashback on petrol, dining & groceries
Had: RM500/bulan
🎁 Promosi: Up to RM300 TnG credit (spend RM200 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM36k/thn
RM3000/bln
- ✓Up to 10% cashback on petrol, dining & groceries
- ✓5% cashback at RM500/mo spend; 10% at RM1,000/mo spend
- ✓Min. 3 transactions/month required to qualify
Maybank
Maybank 2 Platinum Cards
PlatinumVisa
PULANGAN TUNAI
5% cashback on weekends: dining, groceries & petrol
🎁 Promosi: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓5% cashback on weekends: dining, groceries & petrol
- ✓0.2% cashback on weekdays (unlimited)
- ✓Higher credit limit than Gold tier
Maybank
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
PlatinumVisa
PULANGAN TUNAI
8% cashback on petrol at PETRONAS (capped RM50/mo)
Had: RM50/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓8% cashback on petrol at PETRONAS (capped RM50/mo)
- ✓5% cashback on groceries & dining
- ✓0.2% cashback on other spend
Maybank
Maybank Shopee Visa Platinum
PlatinumVisa
PULANGAN TUNAI
Up to 5X Shopee Coins when you spend on Shopee
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓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
Maybank
Maybank Grab Mastercard Platinum
PlatinumMastercard
PULANGAN TUNAI
1X GrabRewards Points for every RM1 spend on Grab
🎁 Promosi: Nintendo Switch 2 sign-up draw (spend RM300 in 30 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓1X GrabRewards Points for every RM1 spend on Grab
- ✓1,000 Welcome GrabRewards Points upon card activation
- ✓Welcome gift of RM50 Grab voucher with min. spend RM300
Maybank
Maybank Visa Signature
SignatureVisa
PULANGAN TUNAI
5% Cash Back on petrol & groceries everyday (capped RM88/mo)
Had: RM88/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM70k/thn
RM5833/bln
- ✓5% Cash Back on petrol & groceries everyday (capped RM88/mo)
- ✓Up to 5X TreatsPoints for every RM1 spent
- ✓Annual fee waived with min. RM50,000/yr spend
Maybank
Maybank Islamic Ikhwan Mastercard Gold Card-i
GoldMastercard
MATA
5% cashback on weekends: dining, groceries & petrol
Yuran Tahunan
Percuma
Free for life
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓5% cashback on weekends: dining, groceries & petrol
- ✓0.2% cashback on weekday spend
- ✓100% Shariah-compliant — no riba
Islamik
Mohon Sekarang →Maybank
Maybank myimpact Visa Signature
SignatureVisa
PULANGAN TUNAI
Up to 8% cashback on spend at sustainable merchants (capped RM80/mo)
Had: RM80/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM36k/thn
RM3000/bln
- ✓Up to 8% cashback on spend at sustainable merchants (capped RM80/mo)
- ✓2% cashback on everyday spend including e-wallets
- ✓Carbon offset feature — Maybank plants trees per transaction
HSBC Malaysia
HSBC Live+ Credit Card
CardVisa
PULANGAN TUNAI
Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
Had: RM30/bulan
🎁 Promosi: RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM102k/thn
RM8500/bln
- ✓Up to 5% cashback on dining, shopping & entertainment (capped RM30/category, max RM90/mo)
- ✓0.5% cashback on all other spend (unlimited)
- ✓Discounts at 900+ dining partners across Asia via HSBC Live+
HSBC Malaysia
HSBC TravelOne Credit Card
CardVisa
MIL
8x Air Miles per RM1 spent overseas
🎁 Promosi: RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Yuran Tahunan
RM318
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓8x Air Miles per RM1 spent overseas
- ✓1.2x Air Miles per RM1 spent locally
- ✓Transfer to 10+ airlines : AirAsia BIG, Enrich (MAS), KrisFlyer (SIA), Asia Miles & more
LoungeInsurans Perjalanan
Mohon Sekarang →HSBC Malaysia
HSBC Visa Signature Credit Card
SignatureVisa
MIL
8x Reward Points per RM1 overseas & online
🎁 Promosi: RM500 TnG credit guaranteed + chance to win RM5,555 (spend RM3,000 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM102k/thn
RM8500/bln
- ✓8x Reward Points per RM1 overseas & online
- ✓5x Reward Points per RM1 on local purchases
- ✓Points never expire — redeem anytime
Lounge
Mohon Sekarang →HSBC Malaysia
HSBC Amanah MPower Platinum Credit Card-i
PlatinumVisa
PULANGAN TUNAI
8% cashback on petrol & groceries (capped RM50/mo)
Had: RM50/bulan
Yuran Tahunan
Percuma
Free for life
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓8% cashback on petrol & groceries (capped RM50/mo)
- ✓0.5% cashback on all other spend
- ✓100% Shariah-compliant structure
Islamik
Mohon Sekarang →HSBC Malaysia
HSBC Premier World Mastercard Credit Card
InfiniteMastercard
MIL
10x Reward Points per RM1 overseas spend
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM120k/thn
RM10000/bln
- ✓10x Reward Points per RM1 overseas spend
- ✓5x Reward Points per RM1 local spend
- ✓Unlimited Plaza Premium lounge access (Premier Banking clients)
LoungeInsurans Perjalanan
Mohon Sekarang →CIMB Bank
CIMB PETRONAS Visa Platinum-i
PlatinumVisa
PULANGAN TUNAI
8% cashback at PETRONAS stations (capped RM30/mo)
Had: RM30/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓8% cashback at PETRONAS stations (capped RM30/mo)
- ✓2% cashback on groceries & utilities (capped RM30/mo)
- ✓0.2% cashback on all other retail spend
CIMB Bank
CIMB e Credit Card
CardVisa
PULANGAN TUNAI
2% cashback on all online transactions (unlimited, no cap)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓2% cashback on all online transactions (unlimited, no cap)
- ✓0.5% cashback on all other spend
- ✓No min. spend required
CIMB Bank
CIMB Travel World Elite Credit Card
EliteVisa
MIL
10x CIMB Points per RM1 spent overseas
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM250k/thn
RM20833/bln
- ✓10x CIMB Points per RM1 spent overseas
- ✓2x CIMB Points per RM1 local spend
- ✓Unlimited airport lounge access (LoungeKey)
LoungeInsurans Perjalanan
Mohon Sekarang →CIMB Bank
CIMB PETRONAS Visa Infinite-i
InfiniteVisa
PULANGAN TUNAI
8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend)
Had: RM50/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓8% cashback at PETRONAS (capped RM50/mo, RM3,000/mo spend)
- ✓5% cashback on groceries & utilities
- ✓Shariah-compliant — Tawarruq structure
LoungeIslamik
Mohon Sekarang →Public Bank
Public Bank Petron Visa Gold
GoldVisa
PULANGAN TUNAI
5% cashback at Petron stations (capped RM30/mo)
Had: RM30/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓5% cashback at Petron stations (capped RM30/mo)
- ✓0.5% cashback on other petrol brands
- ✓0.2% cashback on all other spend
Public Bank
Public Bank Visa Platinum
PlatinumVisa
MATA
5x Rewards Points per RM1 overseas spend
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM36k/thn
RM3000/bln
- ✓5x Rewards Points per RM1 overseas spend
- ✓1x Rewards Point per RM1 local spend
- ✓Redeem points for Air Miles (Enrich, KrisFlyer)
Public Bank
Public Bank Visa Signature
SignatureVisa
MIL
8x Rewards Points per RM1 overseas & online
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓8x Rewards Points per RM1 overseas & online
- ✓2x Rewards Points per RM1 local spend
- ✓Convert to Enrich Miles or AirAsia BIG Points
Lounge
Mohon Sekarang →Public Bank
Public Bank Visa Infinite
InfiniteVisa
MIL
10x Rewards Points per RM1 overseas
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM120k/thn
RM10000/bln
- ✓10x Rewards Points per RM1 overseas
- ✓3x Rewards Points per RM1 local spend
- ✓6 complimentary airport lounge visits/yr
LoungeInsurans Perjalanan
Mohon Sekarang →RHB Bank
RHB Shell Visa Credit Card
CardVisa
PULANGAN TUNAI
12% cashback at Shell stations (capped RM30/mo)
Had: RM30/bulan
🎁 Promosi: AirPods Max 2 weekly draw + up to RM400 TnG (1 transaction in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓12% cashback at Shell stations (capped RM30/mo)
- ✓2% cashback on groceries & online spend
- ✓Shell SmartPoints fuel savings
RHB Bank
RHB Cash Back Visa Credit Card
CardVisa
PULANGAN TUNAI
5% cashback on petrol, groceries & utilities (capped RM50/mo)
Had: RM50/bulan
🎁 Promosi: AirPods Max 2 weekly draw + up to RM400 TnG (1 transaction in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓5% cashback on petrol, groceries & utilities (capped RM50/mo)
- ✓1% cashback on dining & shopping
- ✓0.5% cashback on all other spend
RHB Bank
RHB Rewards Visa / Mastercard
CardMastercard
MATA
5x Bonus Points per RM1 on dining, petrol & groceries
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓5x Bonus Points per RM1 on dining, petrol & groceries
- ✓1x Bonus Point per RM1 on all other spend
- ✓Redeem points for vouchers, merchandise & travel
RHB Bank
RHB Visa Signature
SignatureVisa
MIL
5x Bonus Points per RM1 overseas spend
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM80k/thn
RM6667/bln
- ✓5x Bonus Points per RM1 overseas spend
- ✓1x Bonus Point per RM1 local spend
- ✓Convert to Enrich Miles or AirAsia BIG Points
Lounge
Mohon Sekarang →RHB Bank
RHB World Mastercard
WorldMastercard
MIL
8x Bonus Points per RM1 overseas spend
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM80k/thn
RM6667/bln
- ✓8x Bonus Points per RM1 overseas spend
- ✓2x Bonus Points per RM1 local spend
- ✓6 complimentary airport lounge visits/yr
LoungeInsurans Perjalanan
Mohon Sekarang →RHB Bank
RHB Visa Infinite / Premier Infinite
InfiniteVisa
MIL
10x Bonus Points per RM1 overseas spend
🎁 Promosi: AirPods Max 2 weekly draw + up to RM400 TnG (1 transaction in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM150k/thn
RM12500/bln
- ✓10x Bonus Points per RM1 overseas spend
- ✓3x Bonus Points per RM1 local spend
- ✓Unlimited airport lounge access (LoungeKey)
LoungeInsurans Perjalanan
Mohon Sekarang →Standard Chartered
Standard Chartered Simply Cash
CardVisa
PULANGAN TUNAI
15% cashback on dining & petrol (capped RM100/mo)
Had: RM100/bulan
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM96k/thn
RM8000/bln
- ✓15% cashback on dining & petrol (capped RM100/mo)
- ✓1.5% cashback on all other spend (unlimited, no cap)
- ✓No category restrictions on base 1.5% cashback
Standard Chartered
Standard Chartered Journey Credit Card
CardVisa
MIL
Unlimited Plaza Premium lounge access (cardholder + 1 guest)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM96k/thn
RM8000/bln
- ✓Unlimited Plaza Premium lounge access (cardholder + 1 guest)
- ✓5x rewards points per RM1 overseas spend
- ✓1x rewards point per RM1 local spend
LoungeInsurans Perjalanan
Mohon Sekarang →Standard Chartered
Standard Chartered Visa Platinum
PlatinumVisa
MIL
5x Rewards Points per RM1 on dining & petrol
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM36k/thn
RM3000/bln
- ✓5x Rewards Points per RM1 on dining & petrol
- ✓1x Rewards Point per RM1 on all other spend
- ✓Redeem points for cash, vouchers or air miles
Standard Chartered
Standard Chartered Priority Banking Visa Infinite
InfiniteVisa
MIL
Unlimited airport lounge access worldwide (LoungeKey)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM180k/thn
RM15000/bln
- ✓Unlimited airport lounge access worldwide (LoungeKey)
- ✓10x rewards points per RM1 overseas spend
- ✓3x rewards points per RM1 local
LoungeInsurans Perjalanan
Mohon Sekarang →Standard Chartered
Standard Chartered Smart Credit Card
CardVisa
PULANGAN TUNAI
3% cashback on groceries, dining & online shopping
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓3% cashback on groceries, dining & online shopping
- ✓0.3% cashback on all other spend
- ✓No minimum spend required
UOB Bank
UOB EVOL Card
CardVisa
PULANGAN TUNAI
8% cashback on Grab, Shopee, Lazada & food delivery
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓8% cashback on Grab, Shopee, Lazada & food delivery
- ✓0.3% cashback on all other spend
- ✓No min. spend required for base cashback
UOB Bank
UOB Simple Card
CardVisa
MATA
3% cashback on all spend (capped RM30/mo)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓3% cashback on all spend (capped RM30/mo)
- ✓No minimum spend requirement
- ✓Simple flat-rate cashback on everything
UOB Bank
UOB PRVI Miles Card
CardVisa
MIL
3 miles per RM1 spent overseas
🎁 Promosi: Up to RM300 TnG credit (spend RM200 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓3 miles per RM1 spent overseas
- ✓1.2 miles per RM1 spent locally
- ✓No points expiry
UOB Bank
UOB Visa Infinite Card
InfiniteVisa
MIL
4 miles per RM1 overseas spend
🎁 Promosi: Up to RM300 TnG credit (spend RM200 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM120k/thn
RM10000/bln
- ✓4 miles per RM1 overseas spend
- ✓2 miles per RM1 local spend
- ✓12 complimentary airport lounge visits/yr
LoungeInsurans Perjalanan
Mohon Sekarang →UOB Bank
UOB Lady's Card
CardVisa
MATA
10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM36k/thn
RM3000/bln
- ✓10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
- ✓1x UNI$ per RM5 on all other spend
- ✓Exclusive beauty & wellness privileges
UOB Bank
UOB World Card
WorldVisa
MIL
4x UNIRinggit per RM1 on overseas spend
🎁 Promosi: Up to RM300 TnG credit (spend RM200 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓4x UNIRinggit per RM1 on overseas spend
- ✓2x UNIRinggit per RM1 on local spend
- ✓Complimentary travel insurance up to USD250,000
Insurans Perjalanan
Mohon Sekarang →AmBank
AmBank Visa Infinite
InfiniteVisa
PULANGAN TUNAI
2% cashback on overseas & online spend
🎁 Promosi: Apple Watch Series 11 draw + up to RM200 TnG (spend RM200 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM150k/thn
RM12500/bln
- ✓2% cashback on overseas & online spend
- ✓1% cashback on local retail
- ✓Complimentary airport lounge access (2x/yr)
Lounge
Mohon Sekarang →AmBank
AmBank BonusLink Visa
CardVisa
PULANGAN TUNAI
8x BonusLink Points on weekend dining
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓8x BonusLink Points on weekend dining
- ✓5x BonusLink Points on petrol (all stations)
- ✓1x BonusLink Point on other spend
AmBank
AmBank CashBack Visa Platinum
PlatinumVisa
PULANGAN TUNAI
5% cashback on groceries & petrol
Had: RM50/bulan
🎁 Promosi: Apple Watch Series 11 draw + up to RM200 TnG (spend RM200 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM36k/thn
RM3000/bln
- ✓5% cashback on groceries & petrol
- ✓1% cashback on all other retail spend
- ✓Cashback capped at RM50/month
AmBank
AmBank Enrich Visa Infinite
InfiniteVisa
MIL
2 Enrich Points per RM1 overseas spend
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM100k/thn
RM8333/bln
- ✓2 Enrich Points per RM1 overseas spend
- ✓1 Enrich Point per RM1 local spend
- ✓Complimentary airport lounge access
LoungeInsurans Perjalanan
Mohon Sekarang →AmBank
AmBank Islamic Visa Gold-i
GoldVisa
PULANGAN TUNAI
Shariah-compliant credit-i facility
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓Shariah-compliant credit-i facility
- ✓1% cashback on retail spend
- ✓No compounding profit charges
Islamik
Mohon Sekarang →AmBank
AmBank SIGNATURE Priority Banking Visa Infinite
InfiniteVisa
MATA
3x rewards points on overseas spend
Yuran Tahunan
RM800
Pendapatan Min.
RM150k/thn
RM12500/bln
- ✓3x rewards points on overseas spend
- ✓Unlimited airport lounge access (Priority Pass)
- ✓Complimentary travel & golf privileges
Lounge
Mohon Sekarang →Alliance Bank
Alliance Bank Visa Platinum
PlatinumVisa
PULANGAN TUNAI
Up to 5x Timeless Bonus Points per RM1 on dining, groceries & petrol
🎁 Promosi: Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓Up to 5x Timeless Bonus Points per RM1 on dining, groceries & petrol
- ✓1x Bonus Point per RM1 on all other retail spend
- ✓Annual fee waived with min. RM12,000/yr spend or 12 transactions/yr
Alliance Bank
Alliance Bank Visa Virtual
CardVisa
PULANGAN TUNAI
Up to 8x Timeless Bonus Points per RM1 on online spend
🎁 Promosi: Blind-box reward (iPhone 17 / Apple Watch / AirPods) or up to RM17 cashback (spend RM400, single receipt)
Yuran Tahunan
Percuma
Free for life
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓Up to 8x Timeless Bonus Points per RM1 on online spend
- ✓1x Bonus Point per RM1 on all offline spend
- ✓Designed for online & contactless shopping
Hong Leong Bank
Hong Leong Wise Credit Card
CardVisa
PULANGAN TUNAI
8% cashback on dining, groceries & online spend (capped RM30/mo)
Had: RM30/bulan
Yuran Tahunan
RM98
Annual fee waived with min. RM12,000/yr spend
Pendapatan Min.
RM24k/thn
RM2000/bln
- ✓8% cashback on dining, groceries & online spend (capped RM30/mo)
- ✓0.2% cashback on all other spend (unlimited)
- ✓Contactless spend earns bonus cashback
Hong Leong Bank
Hong Leong Infinite Credit Card
InfiniteVisa
MIL
5x HLB Rewards Points per RM1 overseas spend
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM100k/thn
RM8333/bln
- ✓5x HLB Rewards Points per RM1 overseas spend
- ✓2x HLB Rewards Points per RM1 local spend
- ✓6 complimentary Plaza Premium lounge visits/yr
LoungeInsurans Perjalanan
Mohon Sekarang →OCBC Bank
OCBC 365 MasterCard
CardMastercard
PULANGAN TUNAI
5% cashback on dining, groceries & petrol (capped RM50/mo per category)
Had: RM50/bulan
🎁 Promosi: RM300–RM500 TnG credit guaranteed + RM3,888 draw (spend RM100 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM48k/thn
RM4000/bln
- ✓5% cashback on dining, groceries & petrol (capped RM50/mo per category)
- ✓0.3% cashback on all other spend (unlimited)
- ✓Annual fee waived with min. RM12,000/yr spend
OCBC Bank
OCBC 90°N Visa Card
CardVisa
MIL
2.1 miles per RM1 spent overseas
🎁 Promosi: RM300–RM500 TnG credit guaranteed + RM3,888 draw (spend RM100 in 60 days)
Yuran Tahunan
Percuma
Free (conditions apply)
Pendapatan Min.
RM60k/thn
RM5000/bln
- ✓2.1 miles per RM1 spent overseas
- ✓1.2 miles per RM1 on local spend
- ✓No miles expiry & no minimum redemption
LoungeInsurans Perjalanan
Mohon Sekarang →Alat tambahan: Mahu tukar mata ganjaran kepada mil penerbangan? Lihat kalkulator mil terperinci di halaman Bahasa Inggeris →
Cara Memilih Kad Kredit Terbaik di Malaysia
Kad Pulangan Tunai (Cashback)
Terbaik untuk perbelanjaan harian. Cari pulangan 5% pada petrol dan runcit. Kad seperti Maybank 2 Cards dan CIMB Cash Rebate Platinum menawarkan percuma seumur hidup dengan kadar hebat.
Kad Mil Penerbangan
Terbaik untuk pengembara kerap. Cari kad yang memberi mil pada semua perbelanjaan, akses lounge dan insurans perjalanan. Biasanya memerlukan pendapatan lebih tinggi (RM60k–120k/tahun).
Yuran Tahunan
Banyak kad kredit Malaysia percuma seumur hidup. Kad premium (Infinite, Signature) mengenakan RM400–800/tahun tetapi sering dikecualikan dengan perbelanjaan tahunan minimum.
Kad Kredit Islamik
Kad kredit Islamik tidak mengenakan faedah (riba). Sebaliknya ia mungkin menggunakan yuran pentadbiran bulanan. Sesuai untuk umat Islam yang mahu perbelanjaan patuh Syariah.
Kad Kredit Malaysia — Soalan Lazim
Apakah kad kredit pulangan tunai (cashback) terbaik di Malaysia?
Ia bergantung pada corak perbelanjaan anda. Untuk petrol dan barangan runcit, kad percuma seumur hidup seperti Maybank 2 Cards dan CIMB Cash Rebate Platinum popular dengan pulangan tunai sehingga sekitar 5%. Gunakan perbandingan di atas untuk menyusun mengikut kadar pulangan tunai dan padankan kad dengan kategori perbelanjaan utama anda.
Kad kredit manakah yang tiada yuran tahunan seumur hidup di Malaysia?
Banyak kad di Malaysia memang percuma seumur hidup, manakala yang lain mengecualikan yuran tahunan apabila anda mencapai bilangan minimum transaksi atau sasaran perbelanjaan tahunan. Tapis jadual di atas mengikut 'Percuma Seumur Hidup' untuk melihat pilihan terkini.
Berapakah pendapatan minimum untuk memohon kad kredit di Malaysia?
Kebanyakan bank memerlukan pendapatan tahunan minimum RM24,000 (kira-kira RM2,000/bulan) untuk kad peringkat permulaan. Kad premium (Platinum, Signature, Infinite) biasanya memerlukan RM36,000–RM120,000+ setahun. Syarat pendapatan setiap kad ditunjukkan dalam perbandingan di atas.
Pulangan tunai atau mil penerbangan — kad kredit mana lebih baik?
Pilih pulangan tunai jika anda mahu penjimatan mudah pada perbelanjaan harian seperti petrol, runcit dan makan. Pilih mil penerbangan jika anda kerap terbang dan akan menebus mil untuk penerbangan atau naik taraf — mil boleh memberi nilai lebih tinggi bagi pengembara kerap, tetapi hanya jika anda benar-benar menebusnya.
Adakah kad kredit Islamik bebas faedah?
Kad kredit Islamik tidak mengenakan faedah konvensional (riba). Sebaliknya ia menggunakan struktur patuh Syariah, selalunya yuran pengurusan bulanan tetap atas baki tertunggak. Ia sesuai untuk sesiapa yang mahukan perbelanjaan patuh Syariah — cuma bandingkan kos efektif dengan kad konvensional.