马来西亚最佳信用卡（2026年10月）
比较马来西亚各大银行的现金回扣、积分和旅行信用卡。按奖励类型、年费和收入要求筛选，找到最适合您的那一张。
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奖励类型
年费
您的收入
银行
显示 97 张信用卡
⭐ 最受欢迎
Maybank
Maybank 2 Gold Cards
GoldVisa
现金回扣
5% weekend cashback on all purchases except government bodies & utilities
上限：RM50/月
年费
免费
Free for life
最低收入
RM30k/年
RM2500/月
- ✓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
⭐ 最受欢迎
Maybank
Maybank World Elite Mastercard
EliteMastercard
里数
Up to 25X TreatsPoints for every RM5 spent
年费
RM800
Free 1st year; then waived with min. RM120,000/yr spend
最低收入
RM190k/年
RM15833/月
- ✓Up to 25X TreatsPoints for every RM5 spent
- ✓16 complimentary Plaza Premium lounge visits/yr
- ✓Travel insurance up to USD1,000,000
贵宾室旅游保险
立即申请 →⭐ 最受欢迎
CIMB Bank
CIMB Cash Rebate Platinum Credit Card
PlatinumVisa
现金回扣
Up to 5% cashback on petrol & groceries (capped RM30/mo)
上限：RM30/月
年费
免费
Free (conditions apply)
最低收入
RM24k/年
RM2000/月
- ✓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
CIMB Bank
CIMB Travel World Credit Card
WorldVisa
里数
Up to 8x CIMB Points per RM1 overseas spend
年费
RM554.72
100% waived at RM120,000+/yr spend; 50% waived at RM60,000+/yr; none below RM60,000/yr
最低收入
RM100k/年
RM8333/月
- ✓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
贵宾室旅游保险
立即申请 →Public Bank
Public Bank Quantum Visa / Mastercard
CardMastercard
现金回扣
2% cashback overseas (MC) / 1% contactless (Visa), capped RM20/mo
上限：RM20/月
年费
免费
Free for life
最低收入
RM36k/年
RM3000/月
- ✓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
UOB Bank
UOB ONE Card
CardVisa
现金回扣
Up to 10% cashback on petrol, groceries, dining & Grab (cap RM15/category/mo)
上限：RM15/月
🎁 优惠：Up to RM138 cashback — RM88 for RM200 retail spend in 60 days + up to RM50 more for setting up 1 eligible recurring payment (insurance or telco/utilities) within 60 days (both to 31 Dec 2026); plus 2-year annual fee waiver — official UOB welcome offer
年费
RM195
Waived with RM20,000/yr spend (1-year waiver for new cards)
最低收入
RM36k/年
RM3000/月
- ✓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
Maybank
Maybank 2 Platinum Cards
PlatinumVisa
现金回扣
5% weekend cashback on all purchases except government bodies & utilities
上限：RM50/月
🎁 优惠：RM100 cashback for the first 200 new Amex cardholders each month — apply via Maybank2u/MAE, spend RM300 in 30 days (to 31 Jan 2027)
年费
免费
Free for life
最低收入
RM60k/年
RM5000/月
- ✓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
Maybank
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
PlatinumVisa
现金回扣
8% weekend cashback at PETRONAS, 1% weekdays (capped RM50/mo)
上限：RM50/月
年费
免费
Free for life
最低收入
RM60k/年
RM5000/月
- ✓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)
Maybank
Maybank Shopee Visa Platinum
PlatinumVisa
积分
Up to 5X Shopee Coins when you spend on Shopee
年费
免费
Free for life
最低收入
RM36k/年
RM3000/月
- ✓5X Shopee Coins on Shopee spend + 4X on dining/Paywave/entertainment on the 28th of each month & 9.9/11.11/12.12/CNY/Raya campaign days (2X on both, other days); 1X on other spend
- ✓Capped at 5,000 Shopee Coins/statement cycle — excess converts to TreatsPoints
- ✓5,000 Welcome Shopee Coins with min. spend of RM300 within 60 days
更多工具：想把信用卡积分换算成飞行里数？试试 积分 → 里数计算器（英文）→
如何选择最适合您的马来西亚信用卡
现金回扣卡
最适合日常消费。留意加油和超市购物 5% 的回扣。Maybank 2 Cards 和 CIMB Cash Rebate Platinum 等卡终身免年费，回扣率也很不错。
飞行里数卡
最适合经常出差或旅行的人。选择所有消费都能累积里数、附带机场贵宾室和旅游保险的卡。通常要求较高收入（年收入 RM60k–120k）。
年费
许多马来西亚信用卡终身免年费。高端卡（Infinite、Signature）年费 RM400–800，但达到最低年消费后通常可获豁免。
伊斯兰信用卡
伊斯兰信用卡不收取利息（riba），而是可能收取每月管理费。适合希望消费符合伊斯兰教法的用户。
马来西亚信用卡 — 常见问题
马来西亚最好的现金回扣信用卡是哪张？
这取决于您的消费习惯。在加油和超市购物方面，Maybank 2 Cards 和 CIMB Cash Rebate Platinum 等终身免年费的卡很受欢迎，回扣率可达约 5%。使用上方的比较工具按回扣率排序，并与您的主要消费类别配对。
哪些马来西亚信用卡终身免年费？
许多马来西亚信用卡确实终身免年费，另一些则在您达到最低刷卡次数或年消费目标后豁免年费。在上方按“终身免年费”筛选，即可查看当前的选项。
在马来西亚申请信用卡的最低收入是多少？
大多数银行对入门级信用卡要求最低年收入 RM24,000（约每月 RM2,000）。高端卡（Platinum、Signature、Infinite）通常要求年收入 RM36,000 至 RM120,000 以上。每张卡的收入要求都显示在上方的比较中。
现金回扣还是飞行里数——哪种信用卡更好？
如果您想在加油、超市和餐饮等日常消费上直接省钱，选现金回扣。如果您经常飞行，并且会主动用里数兑换机票或升舱，选飞行里数——对常旅客而言每令吉的价值可能更高，但前提是您真的会去兑换。
伊斯兰信用卡是免利息的吗？
伊斯兰信用卡不收取传统意义上的利息（riba），而是采用符合伊斯兰教法的结构，通常是按未偿余额收取固定的月管理费。它适合任何希望消费符合教法的人——只需把实际成本与传统信用卡比较即可。