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
Free
Cashback
Up to 5%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
Up to 8%
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 195
Cashback
Up to 50%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
RM 70
Cashback
Up to 10%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Limited Offer
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
-
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth
Interest Rate
15% p.a.
Annual Fee
Free
Cashback
RM50 /mth

New Maybank Singapore Airlines KrisFlyer American Express Platinum Credit Card can earn miles and gain exclusive access to travel, shopping, dining, golfing, entertainment benefits and more.

Interest Rate
18% p.a.
Annual Fee
RM 300
Cashback
-

New Maybank Singapore Airlines KrisFlyer American Express Platinum Credit Card can earn miles and gain exclusive access to travel, shopping, dining, golfing, entertainment benefits and more.

Interest Rate
18% p.a.
Annual Fee
RM 100
Cashback
-

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
-

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

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

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

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
-

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

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 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
-

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
-

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
-

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
-

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
-
Show more
Last updated: Dec 9, 2022

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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 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.

  • 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.

  • 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.

  • The main requirements for credit card applications in Malaysia is

    1. Age,
    2. Malaysian nationality, and
    3. minimum income requirements.
  • 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.

  • 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.
  • 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.

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

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

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

  • 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.

  • 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.

  • 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!

  • 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.

  • 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.

  • 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.