Best Credit Cards

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2021 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
RM 70
Cashback
Up to 10%
Limited Offer
Interest Rate
15% p.a.
Annual Fee
RM 195
Cashback
Up to 30%
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
-
Limited Offer
Interest Rate
15% p.a.
Annual Fee
RM 148
Cashback
Up to 5%

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%

5% cashback on petrol and grocery spend

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

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
-

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

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

5% rebate on petrol and grocery on Friday and Saturday

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%

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

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
-

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

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

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%

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
-

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

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

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
-

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
-

5% rebate on petrol and grocery on Friday and Saturday

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

Unlimited Cash back on overseas and local spend

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

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
-

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
-

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

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

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

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

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
-

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

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
-

Earn 1% cashback for all purchases

Interest Rate
18% p.a.
Annual Fee
Free
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 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

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

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%

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

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 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: Dec 3, 2021

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.