Best Credit Cards
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We found 131 credit card(s) for you!
Here's some popular credit cards for your reference!
A shariah-compliant credit card that earns up to 8x TreatsPoints when you spend at any petrol service station nationwide.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Unlimited Cash MegaBonus of 0.1% on both local and overseas retail purchases and your first-year annual fee waived.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 150
- Cashback
- -
Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 400
- Cashback
- Up to 2%
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
- 15% p.a.
- Annual Fee
- RM 150
- Cashback
- -
Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
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
- 9.99% p.a.
- Annual Fee
- RM 150
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 160
- Cashback
- -
Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!
- Interest Rate
- 9.99% p.a.
- Annual Fee
- RM 50
- Cashback
- -
Apply & win RM200 cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Win guarantee RM500 TNG!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn 3 AmBonus Points for every RM1 spent overseas, and also enjoy exclusive dining and travel privileges!
- Interest Rate
- 18% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 68
- Cashback
- Up to 10%
Redeem accumulated Happy Points for BIG Points, Enrich Points, exciting gifts, retail vouchers and so much more.
- Interest Rate
- 13.5% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 160
- Cashback
- -
Guarantee win 70mai A500s Dashcam!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy up to 10% cashback at BHPetrol petrol stations and 1 AFFIN Rewards Point for every RM1 retail spend.
- Interest Rate
- 9.99% p.a.
- Annual Fee
- Free
- Cashback
- -
Up to 2x TreatsPoints from retail spending
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy 0.6% cashback on all retail spending plus FREE Automatic Travel Insurance with coverage of up to RM350,000!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 75
- Cashback
- -
Earn 2 KrisFlyer miles for every RM2 spent when you purchase tickets online at www.singaporeair.com.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 250
- Cashback
- -
Win a trip to catch Manchester United player
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn 5x Reward Points from overseas spending, and get exclusive medical and travel insurance coverage too!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
Splurge online or spend on your daily needs and get rewarded up to 5% cash rebates on cinema, groceries, petrol, mobile, and utilities.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 5%
Enjoy and receive 5,000 bonus points monthly PLUS up to 10x points on grocery spend and up to 5x points for dining, retail and overseas purchases.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 80
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.
- Interest Rate
- 18% p.a.
- Annual Fee
- Free
- Cashback
- RM80 /mth
UOB ONE Card gives you unlimited cash rebates for your daily spend on groceries, petrol, telco bills, and more. The more you spend, the more you save.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 168
- Cashback
- RM500 /mth
Up to 5x Membership reward points for every RM you spend
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
Enjoy 1.5% unlimited cash rebate for overseas spending and 15% discount at any duty-free merchant.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Win Apple AirPods (2nd Gen) or RM300 TnG!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 8%
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
- 15% p.a.
- Annual Fee
- RM 400
- Cashback
- -
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
- 13.5% p.a.
- Annual Fee
- RM 60
- Cashback
- Up to 0.3%
1x TreatsPoint from all retail spending
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 60
- Cashback
- -
Travel insurance with coverage of up to RM300,000
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 130
- Cashback
- -
Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 300
- Cashback
- Up to 6%
The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!
- Interest Rate
- 9.99% p.a.
- Annual Fee
- RM 50
- Cashback
- -
Earn 1 Bonus Miles point for every RM1.50 spent overseas and 1 Bonus Mile for every RM 3 spent locally
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 554.72
- Cashback
- -
Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Win Apple AirPods (2nd Gen) or RM300 TnG!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 68
- Cashback
- RM300 /mth
You get to earn up to 3x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 198
- Cashback
- RM400 /mth
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
- 15% p.a.
- Annual Fee
- RM 300
- Cashback
- -
Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 333
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 100
- Cashback
- Unlimited
Earn up to 1% cashback on retail spending!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 1%
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
- 18% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 128
- Cashback
- Up to 10%
Earn up to 5x loyalty points for every RM1 overseas spend, and 1x loyalty points for every RM1 local spend.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Guarantee win 70mai A500s Dashcam!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!
- Interest Rate
- 9.99% p.a.
- Annual Fee
- RM 150
- Cashback
- -
Get privileges and discounts at over 6,500 shopping outlets!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
2.5% rebate on Great Eastern Life/Great Eastern General (Great Eastern) Insurance Premium and 0.1% Unlimited cashback on other retail spend
- Interest Rate
- 18% p.a.
- Annual Fee
- Free
- Cashback
- -
Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Your dining and travel companion that gives you 5X more rewards and 8x Airport Lounge Access after enjoying a premium ride to the airport.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy up to 5x TreatsPoints on weekdays and up to RM700,000 Travel Insurance Coverage when tickets are charged to your Maybank 2 Platinum Card.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn up to 3% cashback on your petrol expenditure.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.
- Interest Rate
- 13.5% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn up to 8x TreatsPoints from petrol spending at PETRONAS and groceries
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn up to 6% cashback on retail spending at The Store and Pacific, and gain access to shopping and travel privileges too!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 150
- Cashback
- Up to 6%
Win RM1,500 or RM100 TnG eWallet!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 200
- Cashback
- -
Up to 2x TreatsPoint from all retail spending
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 550
- Cashback
- -
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
- 13.5% p.a.
- Annual Fee
- RM 130
- Cashback
- -
Putting cash back into your wallet with just one card for both local and overseas spending.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Get bonus cashback when you spend upwards of RM38,000, on top of 1% cashback on all of your retail spending!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 160
- Cashback
- RM50 /mth
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 7%
Enjoy TruPoints for every RM1 spent on overseas and local spending and redeem attractive prizes through Bank Islam TruRewards Loyalty Programme.
- Interest Rate
- 13.5% p.a.
- Annual Fee
- RM 388
- Cashback
- -
Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 160
- Cashback
- -
Earn up to 10x Reward Points from all overseas hotel, dining, and shopping spending!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 72
- Cashback
- Up to 5%
Dining and entertainment privileges
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 550
- Cashback
- -
Travel insurance with coverage of up to RM300,000
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 130
- Cashback
- -
Enjoy 8% cashback when you spend above RM500 per month for petrol, groceries, and dining on the weekends.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 160
- Cashback
- RM100 /mth
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 300
- Cashback
- RM100 /mth
Earn Premium Points from retail spending, and receive Travel Accident Insurance with coverage of up to RM300,000!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 88
- Cashback
- -
Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.
- Interest Rate
- 11% p.a.
- Annual Fee
- Free
- Cashback
- -
Earn 5 Treats AirMiles from local and overseas retail spending
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
Exclusive cashback, offers, and privileges at over 4,000 outlets in Malaysia with your brand new JustOne Platinum MasterCard from Standard Chartered.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 15%
For every RM1 spent overseas, you earn 5 AmBonus Points! And also enjoy exclusive travel and dining privileges too!
- Interest Rate
- 18% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy upto 1% cash back spent overseas & 0.5% on local spent
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 1%
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
- 18% p.a.
- Annual Fee
- Free
- Cashback
- Up to 1.2%
Apply & win RM200 cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
Earn up to 5% cashback monthly on all retail spending, and get exclusive dining deals at more than 1,000 outlets nationwide!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /card
Earn up to 10% cashback on grocery transactions at selected merchants, and get one complimentary access at True Fitness too!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 600
- Cashback
- RM100
Enjoy free travel insurance and no annual fees.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 333
- Cashback
- -
Earn unlimited cashback of 1% on all online and overseas transactions, and 0.5% cashback on all local spendings too!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- RM 88
- Cashback
- RM50 /mth
Enjoy 5x Reward Points for road tax renewal, or payment using RHB Visa MyEG Credit Card online or over-the-counter service.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 88
- Cashback
- -
Win guaranteed RM200 TNG eWallet credit!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 95
- Cashback
- 5%
Embrace the inner online shopper in you for unlimited cash back on all online retail spending.
- Interest Rate
- 18% p.a.
- Annual Fee
- Free
- Cashback
- Unlimited
Earn 1% cashback on all retail transactions up to RM1,000, and 0.5% cashback on any subsequent spending above RM1,000!
- Interest Rate
- 18% p.a.
- Annual Fee
- RM 100
- Cashback
- -
Rewards and discounts for every spend at AEON across Malaysia with 1x AEON point with every RM2 spent.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 30
- Cashback
- -
Earn rewards even faster, and get many added on benefits for you to enjoy when you shop at AEON!
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 95
- Cashback
- 5%
Evergreen credit card with more than 1,000 dining deals nationwide.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Win guaranteed RM200 TNG eWallet credit!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 95
- Cashback
- 5%
Shariah-compliant card specially forged for teachers in Malaysia. Receive rewards every time you shop while contributing 0.2% to YGMB!
- Interest Rate
- 8.88% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.
- Interest Rate
- 11% p.a.
- Annual Fee
- Free
- Cashback
- -
With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM300,000!.
- Interest Rate
- 13.5% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 13.5% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 9.95% p.a.
- Annual Fee
- Free
- Cashback
- -
Collect and redeem exciting prizes through the BSN Happy Rewards Programme - vouchers, gadgets, home appliances, and more!
- Interest Rate
- 8.88% p.a.
- Annual Fee
- Free
- Cashback
- -
Use it at over 29 million merchants and 1 million ATMs worldwide, enjoy Happy Points and many more card facilities.
- Interest Rate
- 9.95% p.a.
- Annual Fee
- Free
- Cashback
- -
Taking shopping overseas to a 5x new level of TreatsPoints for every RM1 spent PLUS up to 5% cashback on all petrol and grocery spend.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM88 /month
Win RM200 cashback & 5000 Shopee Coins!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
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
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 7%
Apply & Win Guaranteed RM200 Cash Back!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
10,000 TreatsPoints on first spend, exclusive discounts on dining, golf privileges
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Redeem 1,000 AirMiles with 5000 TreatsPoints while earning 5 TreatsPoints for every RM1 spent locally and overseas.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy fast-track immigration at over 280 international airports PLUS 5% discount in FCBotiga official store in Camp Nou.
- Interest Rate
- 18% p.a.
- Annual Fee
- Free
- Cashback
- RM100 /mth
Apply & win RM200 cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
A money-saving credit card with 5% cashback on groceries and petrol, TreatPoints gift redemption, and no annual fee for life plus FREE Touch 'n Go Zing card!
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
Win a trip to catch Manchester United player
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 800
- Cashback
- -
Earn up to 6% cashback for local spending.
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 6%
Win RM1,500 or RM100 TnG eWallet!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 10%
Win RM1,500 or RM100 TnG eWallet!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 50%
Guarantee win 70mai A500s Dashcam!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 5%
Apply & win RM200 cashback!
* Terms and conditions apply
- Interest Rate
- 18% p.a.
- Annual Fee
- RM 300
- Cashback
- -
Apply & win RM200 cashback!
* Terms and conditions apply
- Interest Rate
- 18% p.a.
- Annual Fee
- RM 100
- Cashback
- -
Win Apple AirPods (2nd Gen) or RM300 TnG!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Win guaranteed RM200 TNG eWallet credit!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 95
- Cashback
- 5%
Win guaranteed RM200 TNG eWallet credit!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 200
- Cashback
- 5%
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Read more about Credit Card
FAQs Credit Card 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.
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A credit card is a card issued by a bank that allows its owner to pay for goods and services with merchants that allow card payments.
The way it works is that each credit card has a set limit of funds (credit) that you can access through the card, which you can use in advance to purchase goods and services and pay back the funds at the end of the month or according to the repayment schedule with or without interest charges.
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There are various types of cards, each with different 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 benefits.
Cash back credit cards: These cards return a percentage of what you spend on the card each month. The value of this cashback depends on what you’re buying, as each card caters to a certain type of lifestyle.
Low interest: These cards offer lower interest rates compared to conventional cards.
Travel credit cards: These cards give you air miles with partner airlines for selected purchases. Miles 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: These cards offer discounts and promotions for various restaurants and eateries.
Shopping credit cards: These cards offer discounts and promotions from various shopping outlets and stores. Some shopping credit cards also cater to online shopping as well.
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 are compliant with Islamic law or Shariah. Islamic credit cards are easy to identify because they usually have the “-i” suffix in their names.
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The benefits of having a credit card include:
1) An opportunity to build a good credit history
2) Convenient and easy to track your purchase history
3) You can get cash advance in emergencies
And many more. -
There are many ways for you to apply a credit card. Some can be applied by calling into the customer careline of a specific bank, and some can be applied on the website of a specific bank.
However, if you're looking for an easy way to apply for credit cards, why not apply right here.
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The main requirements for credit card applications in Malaysia is
- Age,
- Malaysian nationality, and
- minimum income requirements.
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To check if you qualify for a credit card, you can go to this page and check the requirements needed for any listed credit cards.
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The documents needed for an application are different depending on which credit card you want.
However, they will usually ask for:- A copy of your MyKad (both sides)
- Your payslips from the last three months or,
- Your latest bank statements from the last three months or
- Your EPF statements from the last three months or,
- If you are self-employed, your latest Borang B/BE with LHDN acknowledgement.
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Different credit cards have different minimum salary requirements, so the best thing you can do is look for a credit card that has a minimum salary requirement that you can meet.
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Card holders are generally required to make a minimum payment of 5% of your monthly bill (or a minimum of RM50).
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No, you cannot use a credit card to get a cash advance.
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No, you cannot use a credit card to transfer or withdraw money.
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Some retailers will offer installment plans for your credit card purchases. In this case, you will be allowed to pay for your purchase through monthly payments.
These payments will be reflected in your credit card statement, which you are required to pay off at the end of each month. -
In Malaysia, credit card holders with income of RM36,000 or less in a year are 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.
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It is very difficult to get a credit card with a low credit score. We recommend you to instead focus on improving your credit score before trying to get a credit card.
Check your credit score here for free. -
Interest rates for credit cards in Malaysia commonly range between 13.5 – 17.5% p.a. You might be charged a higher interest rate if you have a history of missing payments on bills and loans, or other credit cards. If you have a low credit score, this may also affect the interest rate you are charged.
Check your credit score here for free. -
You can hold any number of credit 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.
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Some of the factors that you need to compare include the Annual Percentage Rate (APR), the minimum repayment amount, the annual fee, other charges, and other factors.
If you want an easy way to compare different credit cards, then why not have a look at our credit card page right here!
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The best credit cards in Malaysia is different for each person, as it depends on what you want and what you're looking for from your credit cards.
If you want to compare and find the credit card that is best suited for you, you should try looking at our credit card comparison page.
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The best credit card for you depends on what features and benefits you are looking for from your credit card. Different credit cards come with a different features and benefits, so the first step for you will be to determine which features and benefits will be the best option for you.
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You will be charged a penalty of 1% of the unpaid amount on your bill (or a minimum of RM10) if you miss a payment. This amount is cumulative, so it will add up over time.