Best Credit Cards

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

We found 130 credit card(s) for you!

Here's some popular credit cards for your reference!

Enjoy unlimited Cash Megabonus on all your retail spending. You will also receive Travel Accident and Inconvenience Insurance coverage!

Interest Rate
15% p.a.
Annual Fee
RM 150
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 3%

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
-

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

Interest Rate
15% p.a.
Annual Fee
Free
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
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn 8x Reward Points on all your contactless spend*

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
15% 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%

Earn up to 2x BSN Reward Points from all your retail spending, on top of Travel Accident Insurance coverage of up to RM300,000!

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
-

Up to RM900 Cashback* and 8x Bonus Points

* Terms and conditions apply

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Travel insurance with coverage of up to RM300,000

Interest Rate
15% p.a.
Annual Fee
RM 60
Cashback
-

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
9.99% p.a.
Annual Fee
RM 150
Cashback
-

Up to 2x TreatsPoints from retail spending

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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

Up to 10x TreatsPoints from purchase of Manchester United merchandise

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
-

Up to 5% cash rebate on petrol, cinema, grocery. 

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 5%

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

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
-

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
15% p.a.
Annual Fee
Free
Cashback
RM80 /mth

With this card, you earn up to 5% cashback on petrol, and other retail transactions with select merchants !

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
-

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
15% p.a.
Annual Fee
Free
Cashback
-

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

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
-

Up to 8x Reward Points from overseas spend, up to 5x Reward points for local mall shopping spend with complimentary Plaza Premium Lounge Access

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
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
15% 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 3x Reward Points from all your retail spending, and get exclusive travel, gold, and spa privileges and discounts too!

Interest Rate
15% p.a.
Annual Fee
RM 1000
Cashback
-

Up to RM900 Cashback* and 8x Bonus Points

* 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
-

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
15% p.a.
Annual Fee
Free
Cashback
-

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

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

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
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%

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
15% p.a.
Annual Fee
RM 212
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
-

Unlimited Cash back on overseas and local spend

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

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

Interest Rate
9% 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%

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
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
-

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
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
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 3%

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
-

Receive up to 2x BSN Happy Reward points with all retail spending, and get complimentary Travel Accident insurance coverage of up to RM100,000!

Interest Rate
11% p.a.
Annual Fee
Free
Cashback
-

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
12% 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
-

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

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
15% 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%

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

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

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

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

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
15% p.a.
Annual Fee
RM 88
Cashback
-

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

Interest Rate
15% p.a.
Annual Fee
RM 95
Cashback
RM100 /mth

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
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
-

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
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 30
Cashback
RM100 /mth

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

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
15% p.a.
Annual Fee
RM 95
Cashback
-

Earn up to 2x BSN Reward points from retail spending, and receive Travel Accident insurance coverage of up to RM100,000!

Interest Rate
8.88% p.a.
Annual Fee
Free
Cashback
-

Earn BSN Happy Reward points of up to 2x with all retail spending, on top of Travel Accident insurance coverage of up to RM100,000!

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
-

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 RM100,000!

Interest Rate
8.88% p.a.
Annual Fee
Free
Cashback
-

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

Interest Rate
9.95% p.a.
Annual Fee
Free
Cashback
-

5% cashback on petrol and grocery spend

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM88 /month

Earn up to 5X Shopee Coins on Shopee, Dining, Entertainment and Contactless Payments

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%

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

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
-

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Earn 1% cashback for all purchases

Interest Rate
18% p.a.
Annual Fee
Free
Cashback
RM100 /mth

5% rebate on petrol and grocery on Friday and Saturday

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

5% rebate on petrol and grocery on Friday and Saturday

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

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

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
RM220 /mth

Be rewarded with up to RM1265 CashBack*

* Terms and conditions apply

Interest Rate
15% p.a.
Annual Fee
RM 70
Cashback
Up to 10%

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

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Other Credit Card categories

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Step 1

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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.

  • A credit card is a financial service very much like a small-scale loan. When you make a payment using your credit card, you are essentially “borrowing” money from the card issuer and are asked to repay the amount at the end of each month.


    If you fail to repay on time, you will be charged an interest on your unpaid amount.

  • 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.

  • 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.

  • Card holders are generally required to make a minimum payment of 5% of your monthly bill (or a minimum of RM50).

  • 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.

  • 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.

  • 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.

  • 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.
  • 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.

  • 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.

  • No, you cannot use a credit card to transfer or withdraw money.

  • No, you cannot use a credit card to get a cash advance.