2021 Credit Card - Compare The Best Credit Cards Deals in Malaysia

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Featured

HSBC Amanah MPower Platinum Credit Card-i

Get up to 8% cashback everyday on your petrol, groceries & e-Wallet spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	Free

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Featured

Enjoy 1 for 1 movie ticket every Friday at GSC. Need more? Get 1 for 1 drinks every Monday to Friday at The Coffee Bean and Tea Leaf. Also, avail up to 50% off Netflix and Spotify for new or add-on subscriptions from now till 31 Oct 2020

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.33%
Annual Fee	Free

Apply Now

Featured

Citi Cash Back Card

Earn up to 10% cashback on dining, groceries, petrol and GRAB rides!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.33%
Annual Fee	Free

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Alliance Bank You:nique Card - Rebates

Enjoy up to 3% unlimited cashback on all retail spending without any restriction!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	2.99%
Annual Fee	Free

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Featured

Maybank Visa Signature

5% cashback on petrol and grocery spend

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Featured

Maybank 2 Cards Premier

Best Air Miles Conversion Rate: 5000 Treatspoints for 1000 Air Miles

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Featured

Maybank PETRONAS Platinum

Earn up to 8x TreatsPoints from petrol spending at PETRONAS and groceries

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Featured

Maybank PETRONAS Visa Gold

Up to 8x TreatsPoints from petrol spending at PETRONAS and groceries

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Standard Chartered WorldMiles World Mastercard

Easily collect WorldMiles points when you spend overseas and convert them to your preferred frequent flyer programme AirMiles online, or redeem travel vouchers from Asiatravel

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

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UOB ONE Card Platinum

With this card, you earn up to 8% cashback on petrol, and other retail transactions with select merchants !

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM168.00

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Standard Chartered Visa Platinum

Get 5,000 bonus points every month and 5x points for dining, department stores, as well as overseas spend

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

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Mach Visa Credit Card

Earn up to 10% cashback on retail spending from 3 out of 12 categories which you can choose from, and can switch between these categories as you like!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

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Standard Chartered JustOne Platinum Mastercard

Up to 15% cashback monthly for petrol, auto bill payments and online purchases.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

Featured

Maybank Islamic MasterCard Ikhwan Gold Card

5% cashback on petrol and grocery on Friday and Saturday

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Featured

Maybank 2 Platinum Card

5% cashback on all weekend transactions and up to 5x TreatPoints from local and overseas spending on weekdays

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Featured

Maybank Islamic MasterCard Ikhwan Platinum Card

5% cashback on petrol and grocery on Friday and Saturday

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Featured

Maybank 2 Cards

5% cashback on all weekend transactions and up to 5x TreatPoints from local and overseas spending

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Alliance Bank You:nique Card - Rates

Enjoy lower interest rate @ 9% p.a on your credit on prompt payment for consecutive 12 months*

Interest Rate (p.a)	9%
Balance Transfer (p.a)	2.99%
Annual Fee	Free

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Alliance Bank You:nique Card - Rewards

Enjoy 1x Timeless Bonus Points for every RM1 spent on overseas & domestic retail transactions.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	2.99%
Annual Fee	Free

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Alliance Bank Visa Infinite

Up to 8x Timeless Bonus Points from online shopping transactions and eWallet Top-up Up to 5x Timeless Bonus Points from Groceries and Overseas transactions

Interest Rate (p.a)	15%
Balance Transfer (p.a)	2.99%
Annual Fee	Free

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Featured

HSBC Platinum Mastercard

Earn 8x Reward Points on all your contactless spend*

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Maybank American Express Cashback Gold Credit Card

Unlimited Cash back on overseas and local spend

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Maybank Shopee Visa Platinum Credit Card

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UOB ONE Card Classic

Get up to 5% cashback on all your retail transactions at selected merchants, and you are also given exclusive dining privileges at over 1,000 merchants nationwide!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM68.00

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Featured

Maybank Islamic PETRONAS Platinum-i

Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS

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RHB Cash Back Credit Card

Earn up to RM 50 Cash Back per month for petrol, groceries, online dining & grocery delivery

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	RM74.20

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Standard Chartered CashBack Gold MasterCard

Earn up to 5% cashback monthly on all retail spending, and get exclusive dining deals at more than 1,000 outlets nationwide!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

RHB MyEG-RHB Credit Card

Earn up to 5x Reward Points when you pay any of your bills on MYEG! And you will also get to enjoy a 0% interest Installment Payment Plan at all participating merchants!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	RM88.00

Apply Now

Featured

Citi Business Platinum Card

Receive unlimited 1.2% cashback on overseas spending & unlimited 0.5% on local spending. Not enough? Get up to RM1,000,000 insurance coverage!

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Featured

Maybank Islamic Ikhwan Visa Infinite

Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally

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Featured

Maybank Visa Infinite Card

Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges

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BSN Platinum MasterCard / Visa

Earn up to 2x BSN Reward Points from all your retail spending, on top of Travel Accident Insurance coverage of up to RM1,000,000!

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

Featured

Maybank Manchester United Visa Infinite

Infinite Manchester privileges, 10000 Treatpoints on first spent, best air-miles, and exclusive dining, golf privileges

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Featured

Maybank Islamic PETRONAS Gold-i

Up to 8% Cash Back on weekends and 1% Cash Back on Weekdays

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UOB Lady’s Platinum Card

Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM128.00

Apply Now

UOB Lady's Solitaire Card

Earn up to 10% cashback on grocery transactions at selected merchants, and get one complimentary access at True Fitness too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM600.00

Apply Now

Featured

Citi Rewards Card

When you spend at any major supermarkets and department stores, receive 5X Rewards points when you shop for everyday purchases, or when you travel - all year round! And 6X complimentary access to Plaza Premium Lounge at KLIA and KLIA2

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UOB Lady’s Classic Card

Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM68.00

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Hong Leong MATTA Card

Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM300.00

Apply Now

Alliance Bank Platinum Card

Gain up to 8x Timeless Bonus Points for online shopping transactions and eWallet top-up. Gain up to 3x Timeless Bonus Points for Overseas transactions.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	2.99%
Annual Fee	Free

Apply Now

HSBC Premier World MasterCard

Earn up to 10x Reward Points from all overseas hotel, dining, and shopping spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

AmBank Visa Infinite

For every RM1 spent overseas, you earn 5 AmBonus Points! And also enjoy exclusive travel, golf, and dining privileges too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

AmBank World MasterCard

Earn 5 AmBonus Points for every RM1 spent overseas! Also, enjoy exclusive travel, golf, and dining privileges.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

Featured

Citi Simplicity+ Credit Card

Earn 10% interest back every month for on-time payments

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RHB Visa Infinite

Earn up to 3x Reward Points from all your retail spending, and get exclusive travel, gold, and spa privileges and discounts too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	RM1,000.00

Apply Now

AmBank Carz Platinum MasterCard

Enjoy up to 5% cashback on your petrol spending, and the Easy Payment Plan gives you 24 months 0% interest for your road tax payment!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

Featured

Citi Cash Back Platinum

Earn up to 10% cashback on dining, groceries, petrol and GRAB rides

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Public Bank Platinum MasterCard Credit Card

Every ringgit spent with the card will earn you VIP Points, on top of getting 0.9% cashback for your spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM333.00

Apply Now

Featured

Maybank American Express Platinum

Up to 5x Membership reward points for every RM you spend

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Alliance Bank Gold Card

Enjoy 2x Timeless Bonus Points on overseas retail and 1x Timeless Bonus Points on domestic utility spending. Convert the points into air miles and get your free flight!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	2.99%
Annual Fee	Free

Apply Now

CIMB Cash Rebate Platinum

Upto 5% cash rebate on petrol, cinema, grocery.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

CIMB Visa Signature

Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

CIMB World MasterCard

Unlimited 1.5% Cash Rebate on Overseas spend, Bonus Points on local and overseas retail spending & get Travel Accident insurance with coverage of up to RM1 Million!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

BSN Classic Card-i

Earn BSN Happy Reward points of up to 2x with all retail spending, on top of Travel Accident insurance coverage of up to RM300,000!

Interest Rate (p.a)	11%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

AEON Gold Visa / MasterCard

Receive exclusive offers at AEON stores nationwide when you use the AEON Gold Visa/MasterCard, and also enjoy premium benefits which will be yours with this card!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM95.00

Apply Now

Hong Leong GSC Gold Card

Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM150.00

Apply Now

Hong Leong The Store and Pacific Platinum

Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM300.00

Apply Now

Hong Leong The Store and Pacific Gold

Earn up to 6% cashback on retail spending at The Store and Pacific, and gain access to shopping and travel privileges too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM150.00

Apply Now

Hong Leong GSC Platinum Card

Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM300.00

Apply Now

Hong Leong Platinum Card

Every month you will receive up to 2% cashback from all your retail spending, and this card comes with a business-size credit limit of up to RM300,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM400.00

Apply Now

AEON Classic Visa / MasterCard

Enjoy amazing deals and discounts from AEON stores all cross Malaysia, giving you more value for your money, and also earn reward points for every ringgit you spend!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM30.00

Apply Now

CIMB Visa Infinite Card

Earn 5X Bonus points when you dine anywhere & shop overseas, complimentary Plaza Premium Lounge access, and year-long discounts at over 500 participating merchants!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

Featured

HSBC Advance Visa Platinum Credit Card

Get privileges and discounts at over 6,500 shopping outlets!

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CIMB Cash Rebate Gold

Great cash rebates with 10% cash back on monthly interest charged, a 5% cash rebate on online spending, and 2% cash rebate on all retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

UOB Preferred Platinum

You get to earn up to 2x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM198.00

Apply Now

AmBank Carz Gold Visa Card

Earn up to 3% cashback on your petrol expenditure.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

OCBC 365 MasterCard

Earn 1% cashback on all retail transactions up to RM1,000, and 0.5% cashback on any subsequent spending above RM1,000!

Interest Rate (p.a)	18%
Balance Transfer (p.a)	0%
Annual Fee	RM100.00

Apply Now

Featured

Citi Lazada Platinum

Earn 10x Reward Points on Lazada Spends & Lazada E-wallet top-ups and much more with your new Citibank Lazada Platinum Card !

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Hong Leong WISE Card

Choose which 2 of the 9 categories of retail spending you would like to receive cashback of 10% from, and you can switch among the categories at any time too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM160.00

Apply Now

AmBank True Visa Card

Enjoy 0% interest on all purchases for the first 3 months, and the card is yours free-for-life and for the first 3 supplementary cards!

Interest Rate (p.a)	12%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

BSN 1 TeachersCard MasterCard

Up to 2x BSN Reward points will be rewarded to you from all your overseas retail spending, and includes Travel Accident insurance coverage of up to RM500,000!

Interest Rate (p.a)	8.88%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

BSN Classic Card

Receive up to 2x BSN Happy Reward points with all retail spending, and get complimentary Travel Accident insurance coverage of up to RM300,000!

Interest Rate (p.a)	11%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

BSN Gold Credit Card-i

All your overseas retail spending will be rewarded with up to 2x BSN Reward points, included with Travel Accident insurance coverage of up to RM300,000!

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

BSN UUM-BSN Gold Credit Card-i

This card rewards up to 2x BSN Reward points with all retail spending, and get covered with Travel Accident insurance of up to RM500,000!

Interest Rate (p.a)	9.95%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

BSN Platinum Credit Card-i

With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM1,000,000!.

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

BSN UUM-BSN Platinum Credit Card-i

Collect up to 2x BSN Reward points from all retail spending, and get Travel Accident insurance coverage of up to RM500,000!

Interest Rate (p.a)	9.95%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

AmBank Platinum MasterCard / Visa

Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Also get complete travel insurance coverage of up to RM1,000,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

BSN Gold Card

Earn up to 2x BSN Happy Reward points for all overseas retail spending, with Travel Accident insurance coverage of up to RM300,000!

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

BSN 1 TeachersCard MasterCard Credit Card-i

Earn up to 2x BSN Reward points from retail spending, and receive Travel Accident insurance coverage of up to RM500,000!

Interest Rate (p.a)	8.88%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

OCBC World MasterCard

Earn unlimited cashback of 1.2% on all retail transactions* and also receive Personal Accident Insurance coverage of up to RM2,000,000!

Interest Rate (p.a)	18%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

RHB World Mastercard Credit Card

Earn up to 6% cashback for local spending and 2% cashback for overseas spending.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	Free

Apply Now

RHB Signature Credit Card

Earn unlimited cashback of 1% on all online and overseas transactions, and 0.5% cashback on all local spendings too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	RM600.00

Apply Now

UOB VOX Card

Earn up to 5% cashback on online shopping, 1% cashback on petrol at BHPetrol stations nationwide, and up to 0.3% cashback on other retail transactions!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	RM72.00

Apply Now

Hong Leong Classic Card

You get to earn Reward Points from all your retail spending, and also enjoy a 0% interest Extended Payment Plan for 6 or 12 months!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM80.00

Apply Now

Maybank MasterCard Classic

1x TreatsPoint from all retail spending

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM60.00

Apply Now

Hong Leong Gold Card

You will be rewarded for all your retail spending with Reward Points, on top of getting to enjoy a 6 or 12 month interest Easy Payment Plan at 0%!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM160.00

Apply Now

Public Bank Executive MasterCard Credit Card

Earn Premium Points from retail spending, and receive Travel Accident Insurance with coverage of up to RM300,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM88.00

Apply Now

Maybank Visa Gold

Travel insurance with coverage of up to RM500,000

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM130.00

Apply Now

Maybank Visa Classic

Travel insurance with coverage of up to RM300,000

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM60.00

Apply Now

HSBC Amanah Premier World MasterCard-i

Earn up to 1% cashback on retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

OCBC Great Eastern Platinum

FREE RM100,000 insurance coverage on death or total and permanent (TPD) disability for principal cardholder in the first year. Spend RM10,000 and above on total retail spending in the current year to enjoy subsequent coverage renewal in the following year.

Interest Rate (p.a)	18%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

Hong Leong Essential Card

Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM100.00

Apply Now

Hong Leong Fortune Credit Card

Get bonus cashback when you spend upwards of RM38,000, on top of 1% cashback on all of your retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM160.00

Apply Now

Maybank MasterCard Gold

Travel insurance with coverage of up to RM500,000

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM130.00

Apply Now

CIMB Islamic PETRONAS Platinum

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

Public Bank Visa Platinum Credit Card

Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM333.00

Apply Now

CIMB PETRONAS Platinum

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

RHB Rewards Credit Card

Earn up to 10x reward points for Movie, Overseas,Online, Health, Insurance, Shopping & other Retail spend ! You also won’t miss out on golf privileges at Kota Permai & Sungai Long Golf & Country Club too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	RM212.00

Apply Now

AmBank Gold MasterCard / Visa Card

Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

AmBank Imagine Visa Card

Get exclusive promotions and privileges at restaurants, coffee houses, cinemas and more, and this card is yours free-for-life and for the first 3 supplementary cards!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

AFFINBANK Gold Card

Get up to 0.8% cashback on retail transactions with no maximum limit! And also receive a lifetime annual fee waiver with this card!

Interest Rate (p.a)	9.99%
Balance Transfer (p.a)	0%
Annual Fee	RM150.00

Apply Now

AFFINBANK Touch n Go Gold

This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!

Interest Rate (p.a)	9.99%
Balance Transfer (p.a)	0%
Annual Fee	RM150.00

Apply Now

AFFINBANK BHPetrol MasterCard

Get free petrol credit of RM20, lifetime waiver on your cards annual fee, along with cashback of up to 0.8% with no maximum limit!

Interest Rate (p.a)	9.99%
Balance Transfer (p.a)	0%
Annual Fee	RM150.00

Apply Now

AFFINBANK Touch n Go Classic

Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!

Interest Rate (p.a)	9.99%
Balance Transfer (p.a)	0%
Annual Fee	RM50.00

Apply Now

AFFINBANK Classic Card

The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!

Interest Rate (p.a)	9.99%
Balance Transfer (p.a)	0%
Annual Fee	RM50.00

Apply Now

Featured

HSBC Amanah MPower Visa Credit Card-i

Enjoy upto 1% cash back spent overseas & 0.5% on local spent

Apply Now

Featured

Maybank World MasterCard

Earn 5 Treats AirMiles from local and overseas retail spending

Apply Now

AEON NEW AEON Classic Visa / MasterCard

Earn rewards even faster, and get many added on benefits for you to enjoy when you shop at AEON!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM30.00

Apply Now

Public Bank Visa Gold Credit Card

Earn up to 0.7% cashback monthly on all your retail spending, and you will also receive Travel Accident and Inconvenience Insurance coverage!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM150.00

Apply Now

AEON NEW AEON Gold Visa / MasterCard

Get more rewards points when you spend at AEON Stores during AEON Day with the AEON New AEON Gold Visa/MasterCard!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM95.00

Apply Now

Featured

Maybank Manchester United Visa

Up to 10x TreatsPoints from purchase of Manchester United merchandise

Apply Now

Public Bank Visa Classic Credit Card

Earn 0.6% cashback on all retail spending, and also enjoy FREE Automatic Travel Insurance with coverage of RM350,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM75.00

Apply Now

OCBC Titanium MasterCard (Blue/Pink)

You can earn cashback of 1% on online transactions and overseas transactions and enjoy 0% interest Installment Payment Plan at all participating merchants!

Interest Rate (p.a)	18%
Balance Transfer (p.a)	0%
Annual Fee	Free

Apply Now

Featured

Citi Prestige Credit Card

With unique benefits and personalised services, Citi Prestige is your passport to a world of unforgettable experiences.

Apply Now

Bank Islam Classic Card-i

Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection!

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	13%
Annual Fee	RM60.00

Apply Now

Bank Islam Gold Card-i

Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants!

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	13%
Annual Fee	RM130.00

Apply Now

Bank Islam Platinum Card-i

Get cashback of up to 0.3% from retail transactions at all certified Halal merchants, RM100,000 of Takaful protection coverage, and Travel Accident insurance coverage too!

Interest Rate (p.a)	13.5%
Balance Transfer (p.a)	13%
Annual Fee	RM388.00

Apply Now

Hong Leong American Express Classic

Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM160.00

Apply Now

Hong Leong American Express Gold

Get preferential foreign exchange rates on outward remittances from American Express, on top of earning up to 2x Reward Points from retail spending!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM160.00

Apply Now

Hong Leong American Express Platinum

Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM800.00

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Standard Chartered Priority Banking Visa Infinite Credit Card

Earn 5x Reward Points from overseas spending, and get exclusive medical and travel insurance coverage too!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	RM800.00

Apply Now

AmBank Cosway Platinum MasterCard

Earn up to 3x Cosway Points from your retail spending, and redeem these points at over 850 Cosway outlets nationwide!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

AmBank Visa Signature Card

Earn 3 AmBonus Points for every RM1 spent overseas, and also enjoy exclusive dining and travel privileges!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

AmBank Cosway Gold MasterCard

Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4.99%
Annual Fee	Free

Apply Now

RHB SOGO-RHB Credit Card

You get to enjoy a 0% interest Installment Payment Plan at all participating merchants, on top of earning up to 5% cashback from all retail transactions you make!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	RM88.00

Apply Now

RHB Platinum Business Card

Earn 1% cashback on groceries, shopping, dining and entertainment! Also get covered for Travel Insurance with coverage of up to RM1,000,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	4%
Annual Fee	Free

Apply Now

Featured

Maybank GRAB Mastercard Platinum Credit Card

New Maybank Grab Credit Card rewarding you for all your lifestyle daily needs i.e Food, Transport, E-Commerce, Up to 5 Grab Reward Points for every 1 Ringgit Malaysia spent

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Maybank MasterCard Platinum

Dining and entertainment privileges

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM550.00

Apply Now

Maybank Visa Platinum

Up to 2x TreatsPoint from all retail spending

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM550.00

Apply Now

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Maybank Islamic Ikhwan American Express Platinum Card-i

Up to 2x TreatsPoints from retail spending

Apply Now

Featured

Maybank FC Barcelona Visa Signature

Earn up to 10% cashback for all purchases

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Featured

Citi PremierMiles Mastercard

Earn up to 2 PremierMile for every RM3 spent along with 8x complimentary access to 39 Plaza Premium Lounge across 19 airports in 9 countries and territories

Apply Now

Featured

Maybank Islamic World Mastercard Ikhwan Card-i

10,000 TreatsPoints on first spend, exclusive discounts on dining, golf privileges

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UOB Infinite Card

Get exclusive dining, travel, shopping, gold, and fitness privileges with this card! You will also get a 0% interest Installment Payment Plan at all participating merchants!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	7.77%
Annual Fee	Free

Apply Now

Maybank KrisFlyer Amex Gold

Earn up to 2 KrisFlyer miles from retail transactions

Interest Rate (p.a)	15%
Balance Transfer (p.a)	0%
Annual Fee	RM250.00

Apply Now

CIMB Enrich World

Earn 1 Bonus Miles point for every RM1.50 spent overseas and 1 Bonus Mile for every RM 3 spent locally

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	RM554.72

Apply Now

Standard Chartered Gold MasterCard

Evergreen credit card with more than 1,000 dining deals nationwide.

Interest Rate (p.a)	15%
Balance Transfer (p.a)	5.99%
Annual Fee	Free

Apply Now

Hong Leong Platinum Business

Get up to 60 days interest-free credit period for all retail transactions, and with a business-size credit limit of up to RM300,000!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	RM400.00

Apply Now

Hong Leong ACCCIM Credit Card

Get a business-size credit limit on your card of up to RM300,000, and also with Travel Accident Insurance and travel Inconvenience Coverage protection!

Interest Rate (p.a)	15%
Balance Transfer (p.a)	6.99%
Annual Fee	Free

Apply Now

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What Is A Credit Card?

It is a payment card issued by a financial entity (i.e. the card issuer), which allows a card holder to purchase goods and services on credit.

How Does the Credit Cards Works in Malaysia?

Credit cards in Malaysia work similarly to personal loans. When you make a payment using one, you are essentially “borrowing” money from the card issuer. By the end of each month, you are expected to repay the amount you’ve “borrowed”. Failure to do so would see you being charged an interest on your unpaid amount.

In Malaysia, you can hold any number of cards from a maximum of two (2) card issuers if you are a qualified cardholder with an annual income of RM36,000 or less. There are no limitations on the number of cards and card issuers if your annual income is above RM36,000. Do take note that a service tax of RM50 is imposed per principle card per year, while a service tax of RM25 is imposed per supplementary card per year.

What Are the Different Credit Cards Categories In Malaysia?

There are various types of cards, each with differing privileges and functions. In Malaysia, these are the major categories of credit cards you can consider applying for:

Rewards credit cards: These cards give you reward points for purchases made using your credit card. Reward points are redeemable for gifts, vouchers and other goodies as indicated in the issuer’s reward catalogue.
Cash back credit cards: These cards gives you back a percentage of the amount spent, which is paid back to the credit card holder. Each credit card provides different locations, from where you can receive cashback on your spending's.
Low interest: These cards offer lower interest rates compared to conventional cards.
Travel credit cards: These cards give you mile points for selected purchases. Mile points are redeemable for travel-related privileges, such as air tickets and seats upgrades with participating airlines.
Petrol credit cards: These cards offer petrol-related benefits, such as cash rebates or extra reward points on fuel and spending at petrol kiosks.
Dining credit cards: Ordering such type of a credit card, allows you to enjoy exclusive discounts and promotions from various restaurants, each time you're dining outside.
Shopping credit cards: If you like shopping, ordering such type of a credit card can rewards you with exclusive offers and various discounts from popular shopping outlets.
Premium: Premium cards offer promotions and privileges that focus on higher-end products and services, such as golfing, fine-dining and exclusive clubs.
Islamic credit cards: These are credit cards, which compliant to the Islamic law of Shariah.

You will find that the comparison page lets you compare cards and help you find the best one for you by showcasing promotions, best cards in Malaysia, and zero annual fee cards. You can even perform an application online in the same seating!

Interest Rates In Malaysia

Card issuers adopt a tiered system when it comes to the interest rates. Generally, you will be charged a higher interest rate should you display a history of inconsistent repayments, and a lower interest rate should you display a history of prompt repayments. In Malaysia, interest rates commonly come in a range of 13.5 – 17.5% p.a. Some card issuers may also have higher or lower interest rates depending on their operating policies.

Minimum Monthly Repayments In Malaysia

In Malaysia, card holders are generally required to make a minimum payment of 5% of the bill (or a minimum of RM50) on a stipulated due date every month. Failure to do so may result in a penalty that is equivalent to 1% of the unpaid amount on your bills (or a minimum of RM10).

Credit Limits In Malaysia

In Malaysia, card holders with income of RM36,000 or less in a year is restricted to a maximum credit limit of twice of his or her monthly income. For example: if your monthly income is RM2,000, your credit limit would be a maximum of 2 × RM2,000 = RM4,000. Credit limits for those earning above RM36,000 are determined by the card issuers.

How Many Cards Can You Hold In Malaysia

Process And Documentations Needed For An Application

After you compare the cards on the comparison page, you can apply for one over the Internet for FREE using iMoney’s online calculator. The documents needed for an application differ from card issuer to card issuer, but commonly include:

For employees:

A copy of your MyKad (both sides), latest three-month payslips + latest three-month bank statements OR latest three-month EPF statements.

For self-employed:

A copy of your MyKad (both sides) and latest Borang B/BE with LHDN acknowledgement.

Which Credit Card Is Best In Malaysia 2019?

The Maybank 2 Cards top our list as the best credit cards in Malaysia. With Maybank 2, you get TWO cards under a single application. These cards offer 5% cashback

What Are The Easiest Credit Cards To Get Approved For?

As long as you have a good credit score and you meet the minimum age/ income requirements of a credit card, you can easily get your application approved.

What Credit Card Can I Get With Bad Credit?

Having a bad credit score can greatly reduce your chances of getting approved for a credit card. While you can still try to apply for a credit card, it’s easier to work on improving your credit score before submitting an application. Use our iMoney CreditScore tool to check your score and learn how you can improve it.

List of Banks Providing Credit Cards in Malaysia

AEON

You can get up to 10% cashback when you spend with AEON. With a single receipt spend of at least RM100 in WATAMI restaurants, you will get to enjoy up to 10% cash rebate. AEON Balance Transfer Program comes with a maximum of 6 months, interest rate of 0% per annum, minimum transfer amount of RM1,000 and one-time upfront fee of 0%.

AFFINBANK

You can get up to 0.8% cashback on petrol when you spend by using cards from AFFINBANK. Depending on the card, you can also get a RM20 petrol credit. AFFINBANK Balance Transfer Program has a maximum tenure of 2 years, interest rate of 0% per annum for all different Program tenures, RM1,000 as the minimum transfer amount (RM5,000 if you are getting 6-month tenure) and a minimum of 0% for the one-time upfront fee (9% if you are getting 24-year tenure).

Alliance Bank

You can enjoy up to 3% cashback on your retail spending when you use Alliance Bank cards. Some of them will allow you to get cashback and air miles from your retail spending. Alliance Bank Balance Transfer Program comes with a maximum of 24 months, interest rate of 6% per annum, minimum transfer amount of RM1,000 and one-time upfront fee of 0%.

AmBank

You can get up to 5x points on your retail spending when you spend by using cards by AmBank. You also get to enjoy the latest travel, golf and dining promotions and privileges with some of the cards. AmBank Balance Transfer Program has a maximum tenure of 2 years but comes with an annual interest rate of 8.99% (4.99% if you are getting 6-month tenure), minimum transfer of RM5,000 for its 2-year tenure (RM1,000 for other tenures) and no one-time upfront fee.

BSN

Earn up to 2x points on your retail spending with BSN cards. BSN Balance Transfer Program offers up to 5 different tenures: 3 months, 6 months, 9 months, 1 year, 2 years and 3 years. With interest rate per annum of 3.6% to 4.5%, it has a minimum transfer amount of RM500 (for 3-month tenure) and one-time upfront fee of 0%.

Bank Islam

Bank Islam offer a convenient way to proceed with payment for your purchases from Halal merchants. With Bank Islam, you can get up to 0.3% cashback on all retail transactions from Halal merchants. Bank Islam Balance Transfer Program comes with a tenure of 1 year and interest rate of 6% per annum, besides minimum transfer amount of RM500 and no one-time upfront fee.

CIMB

CIMB has a variety of cards that give you rewards and benefits on different expenses such as petrol, dining and shopping rebates. You can get as high as 5% on your online spending. CIMB Balance Transfer Program has a maximum tenure of 2 years, maximum interest rate of 12% per annum (for 2-year tenure) and minimum RM1,000 transfer amount, apart from a 0% one-time upfront fee.

Citibank

Citibank have great deals for a wide variety of spending in the market. You can get up to 20,000 free points and 5x reward points from your shopping. With Citibank Balance Transfer Program, you can get up to 3 years with an interest rate of 9.90% per year. It has a minimum transfer amount of RM1,000 and 0% one-time upfront fee.

HSBC

HSBC have some of the best cashback promotions to offer, and a great reward points from retail spending. You can get up to 8x reward points from your retail spending. HSBC Balance Transfer Program has a maximum period of 1 year, interest rate per annum of 6.99%, minimum transfer amount of RM1,000 and no one-time upfront fee.

HSBC Amanah

HSBC Amanah gives up to 1% cashback on overseas retail spending and cardholders are entitled to Smart Privileges and more discounts. For local spending, you can get up to 8% cashback on weekend dining, petrol and groceries. HSBC Amanah Balance Transfer Program has a maximum period of 1 year, interest rate per year of 6.99%, minimum transfer amount of RM1,000 and 0% one-time upfront fee.

Hong Leong

Hong Leong has some of the best cards for overseas spending and travel privileges. You can get up to 10% cashback on petrol, groceries and utilities. Hong Leong Balance Transfer Program has a minimum period of 6 months and maximum period of 1 year, interest rate of 6.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee.

Mach

Mach gives you the flexibility to change the rewards package according to your lifestyle. There will be 12 spending categories; some with up to 10% cashback to choose from. Mach Balance Transfer Program has a minimum tenure of 3 months and maximum tenure of 12 months, interest rate at a maximum of 9% per annum (for 9-month tenure), minimum transfer amount of RM1,000 and no one-time upfront fee.

Maybank

Maybank is one of the market-leading card issuer with up to 5% cashback on your weekend spending and 5x reward points on your retail spending. Maybank Balance Transfer Program of a maximum 3 years have an interest rate of 4.95% per annum (highest is 9% for 9 months), minimum transfer amount of RM1,000 (RM2,000 for 2 years and 3 years) and no one-time upfront fee (except for 12-month tenure).

Maybank Islamic

Maybank Islamic provides up to 8x points for your spending. You can also earn air miles from your spending; with up to 444.44 miles per RM1,000 spent. With Maybank Islamic Transfer Program, you get to enjoy a maximum of 3 years tenure at 4.95% with a minimum transfer amount of RM2,000 and no one-time upfront fee.

Public Bank

Public Bank provides cashback of up to 0.9% on your spending. You can also get reward points of up to 2x for every RM1 that you spent. You can get the card through the Public Bank Balance Transfer Program, whereby you get to enjoy a maximum of 24-month tenure for 0% per year but for a minimum transfer amount of RM3,000 and a one-time upfront fee of 5%.

RHB

RHB provides you with cashback of up to 20% at cinemas, ticketing agencies, amusement parks and more. You can also get reward points of up to 5x if you make any transaction through MyEG. RHB Balance Transfer Program comes with a maximum period of 2 years, no annual interest rate during that period, a minimum transfer amount of RM1,000 and minimum one-time upfront fee of 4% (9% for 2-year tenure).

Standard Chartered

Standard Chartered cards are usually focused on a very specific spending category; for instance, having the best petrol card or the best travel card in the market. You can get up to 10% cashback on petrol spending or 333.3 miles per RM1,000 spent. Standard Chartered Balance Transfer Program has a maximum of 1 year tenure, 2.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee.

UOB

UOB cards have a lot great deals and gender specific cards such as their Lady's series card. With its card, you stand to gain up to 5% on your petrol expenditure. UOB Balance Transfer Program has a maximum tenure of 1.5 years, minimum interest rate of 7.77% per year, minimum transfer amount of RM1,000 and no one-time upfront fee.

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