Best Credit Cards
Compare. Apply. Earn rewards.

We found 40 credit card(s) for you!
Based on the most popular cards on our site.
Here's some popular credit cards for your reference!
Get guaranteed Xiaomi Theater Speaker RM799!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- Up to 8%
Get guaranteed Xiaomi Theater Speaker RM799!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Get guaranteed Xiaomi Theater Speaker RM799!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy up to RM600 Cashback!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy up to RM600 Cashback!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Enjoy up to RM600 Cashback!
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 148
- Cashback
- Up to 5%
Apply & win up to RM500 Shopee vouchers
* Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Get voucher up to RM800 and cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM88 /month
Get voucher up to RM800 and cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
Get voucher up to RM800 and cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- -
Get voucher up to RM800 and cashback!
*Terms and conditions apply
- Interest Rate
- 15% p.a.
- Annual Fee
- Free
- Cashback
- RM50 /mth
Cashback up to RM300 + 20000 KrisFlyer miles
* Terms and conditions apply
- Interest Rate
- 18% p.a.
- Annual Fee
- RM 300
- Cashback
- -
Cashback up to RM300 + 20000 KrisFlyer miles
* Terms and conditions apply
- Interest Rate
- 18% p.a.
- Annual Fee
- RM 100
- Cashback
- -
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
- -
Enjoy up to 30% Cashback, whenever you fill up your tank or spend on everyday essentials, pay utility bills. top up e-wallet and shop online.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 195
- Cashback
- Up to 30%
Earn up to 10% cashback on all retail purchases from petrol to dining and groceries plus a FREE annual fee on your first year.
- Interest Rate
- 15% p.a.
- Annual Fee
- RM 70
- Cashback
- Up to 10%
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
- -
Get privileges and discounts at over 6,500 shopping outlets!
- 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%
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%
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
- -
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
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
- -
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 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
- -
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
- -
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
- -
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%
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
- -
Other Credit Card categories
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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 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.
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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).
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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.
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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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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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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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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.
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No, you cannot use a credit card to get a cash advance.