Looking for the best Credit Cards in Malaysia? We have compared 15 Credit Cards from top banks in Malaysia to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in Malaysia (2026)
1. Alliance Bank Visa Classic
Bank: Alliance Bank Malaysia
- Annual Fee: RM148/year from 2nd year (free 1st year)
- Interest Rate: 15% - 18% p.a.
- Rewards: 1X Timeless Bonus Points on all retail spend
- Interest Free Days: Up to 20 days
Entry-level Alliance Bank card with Timeless Bonus Points on every purchase. Low minimum income requirement makes it accessible for first-time cardholders. Includes EMV chip security, contactless paym
2. Alliance Bank Visa Infinite
Bank: Alliance Bank Malaysia
- Annual Fee: RM438/year (waived for Alliance Privilege or home-financing customers)
- Interest Rate: 15% - 18% p.a.
- Rewards: 10X TBP on overseas retail, 1X TBP on domestic — no cap, no expiry
- Interest Free Days: Up to 20 days
Premium card earning 10X Timeless Bonus Points per RM1 on overseas retail with no cap or expiry. Includes Plaza Premium Lounge access and 0% Flexi Payment Plan. Annual fee RM438 waived for Alliance Pr
3. Alliance Bank You:nique Rebates Card
Bank: Alliance Bank Malaysia
- Annual Fee: RM148/year from 2nd year (free 1st year; waived for Privilege customers)
- Interest Rate: 15% - 18% p.a.
- Interest Free Days: Up to 20 days
Earn up to 3% unlimited cashback on all retail spending with no merchant restrictions. Simple flat-rate cashback structure on petrol, groceries, dining and everything else. Annual fee RM148 from 2nd y
4. AmBank Cash Rebate Visa Platinum
Bank: AmBank
- Annual Fee: No annual fee for life
- Interest Rate: 15% - 18% p.a.
- Interest Free Days: Up to 20 days
Earn up to 10% cashback on petrol, groceries, dining and selected categories. No annual fee for life. Straightforward cash rebate structure ideal for everyday spending with automatic statement credits
5. AmBank Enrich Visa Infinite
Bank: AmBank
- Annual Fee: RM500/year (waived 1st year; waived with RM100K spend)
- Interest Rate: 15% - 18% p.a.
- Rewards: RM2 overseas/MAS = 1 Enrich Point; RM6 local = 1 Enrich Point
- Interest Free Days: Up to 20 days
Co-branded Malaysia Airlines card earning Enrich Points on every purchase. RM2 overseas or MAS spend = 1 Enrich Point. Unlimited complimentary Golden Lounge access, up to RM2M travel insurance, and 12
6. AmBank Islamic Visa Platinum CARz Card-i
Bank: AmBank
- Annual Fee: Free for life — no annual fee
- Interest Rate: 15% - 18% p.a.
- Interest Free Days: Up to 20 days
Shariah-compliant card offering up to 5% cash rebate on petrol (capped at RM80/month) with full payment, or 2% with minimum payment. Free for life with no annual fee conditions. Ideal for frequent dri
7. AmBank Visa Platinum Card
Bank: AmBank
- Annual Fee: No annual fee
- Interest Rate: 15% - 18% p.a.
- Rewards: 2X AmBonus Points on overseas retail spend
- Interest Free Days: Up to 20 days
Earn 2X AmBonus Points for every RM1 spent on overseas retail transactions. No annual fee for principal and supplementary cards. Redeem points for products, vouchers and air miles. Includes EMV chip s
8. CIMB Cash Rebate Platinum
Bank: CIMB Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Digital Wallet, Entertainment Benefits, Chip/Pin, Supplementary Cards
Entry-level cashback card with up to 5% cashback on petrol, groceries, and cinema, no annual fee for life.
9. CIMB e Credit Card
Bank: CIMB Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Digital Wallet, Chip/Pin, Supplementary Cards
Digital-focused card earning up to 12x bonus points on eDay for online shopping and e-wallet top-ups.
10. CIMB Visa Signature
Bank: CIMB Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Lifestyle Privileges
Lifetime-free card with 2x bonus points on overseas spend, Sky Lounge access, and travel insurance up to RM300,000.
11. CIMB World Mastercard
Bank: CIMB Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Hotel Discounts & Offers
No-annual-fee card providing access to 1,000+ regional dining, retail, and lifestyle deals across Southeast Asia.
12. Hong Leong Essential MC
Bank: Hong Leong Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Digital Wallet, Chip/Pin, Supplementary Cards
Simple unlimited-cashback card offering 0.5%-1% cashback on retail and travel with no monthly cap.
13. Hong Leong Sutera Platinum
Bank: Hong Leong Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Digital Wallet, Lifestyle Privileges, Chip/Pin
Rewards card earning up to 8x points on online shopping, groceries, and dining, redeemable for air miles.
14. Hong Leong Visa Infinite
Bank: Hong Leong Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Hotel Discounts & Offers
Premium travel card with 4 Plaza Premium Lounge visits yearly, automatic Enrich Miles conversion, and RM2M travel insurance.
15. Hong Leong Wise Gold
Bank: Hong Leong Bank
- Interest Rate: 1.50% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Digital Wallet, Chip/Pin, Supplementary Cards
Weekend-focused cashback card offering up to 15% cashback on chosen spend categories with highest weekend rates.
How to Choose a Credit Card in Malaysia
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by BNM
Frequently Asked Questions
What is the best Credit Card in Malaysia for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Malaysia now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Malaysia?
Besides cards, popular payment methods include DuitNow, Touch n Go.
Compare all Credit Cards in Malaysia →
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How We Compare Best Credit Cards in Malaysia 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Malaysia. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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