Best Credit Cards

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2022 Credit Card - Compare The Best Credit Cards Deals in Malaysia

We found 40 credit card(s) for you!

Here's some popular credit cards for your reference!

Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Limited Offer
Interest Rate
15% p.a.
Annual Fee
RM 70
Cashback
Up to 10%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
RM 195
Cashback
Up to 30%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
RM 148
Cashback
Up to 5%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-

Shop smart and safe with up to 8% bonus cash back on eWallet spend, petrol, and groceries all whilst protected by E-Commerce Purchase Protection.

Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 8%

Up to 8x Rewards Points on overseas and local spending with E-Commerce Purchase Protection coverage of up to up to USD200.

Interest Rate
15% 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

Up to 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays for every spend at PETRONAS Stations.

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

Enjoy up to 5% cashback every Friday and Saturday, and 10,000 Maybank TreatsPoints on your FIRST TIME spend with your new Maybank MasterCard Ikhwan Gold Card.

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

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%

Enjoy cashback and exclusive rewards with a minimum RM300 spend whilst enjoying up to 5x TreatsPoints on your weekday spend.

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

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
-

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%

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%

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
-

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

Interest Rate
15% 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
-

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

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
-

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
-

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
-

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
-

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
-

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
-

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
-

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

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 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

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 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

Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.

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

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

A card that offers up to 8x Rewards Points when you shop at Mid Valley Megamall and The Gardens Mall with an installment option of up 60 months. 

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

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%

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%
Last updated: Jan 10, 2022

Other Credit Card categories

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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.