Compare Credit Cards in Malaysia

Compare cashback and rewards credit cards in Malaysia.

22 live credit cards offers tracked across 14 Malaysian providers, with annual fees from RM0 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

22 live offers compared from 14 providers, from RM30 /month. Updated daily.

AmBank Cash Rebate Visa Platinum AmBank

RM0 /year

  • Rewards: 8% cashback on groceries
  • Annual Fee: RM0 (free for life)
  • Intro Offer: —
  • Card Type: Visa Platinum

Alliance Bank Visa Virtual Alliance Bank

RM0 /year

  • Rewards: 8x points online and e-wallets
  • Annual Fee: RM0 (free for life)
  • Intro Offer: —
  • Card Type: Visa (virtual)

UOB YOLO Platinum Mastercard UOB Malaysia

RM0 /year

UOB's millennial-focused card with 8% cashback on food delivery and ride-hailing.

  • Rewards: 8% cashback food delivery & Grab
  • Annual Fee: MYR 0
  • Intro Offer: MYR 50 cashback on first transaction
  • Card Type: Mastercard Platinum

HSBC Amanah MPower Platinum HSBC Malaysia

RM0 /year

HSBC's Islamic credit card with 8% cashback on petrol and groceries.

  • Rewards: 8% cashback petrol & groceries
  • Annual Fee: MYR 0 (first year waived)
  • Intro Offer: MYR 100 cashback on approval
  • Card Type: Visa-i

AEON Visa Gold AEON Credit

RM0 /year

AEON Credit's Gold card with AEON Points redeemable at AEON stores.

  • Rewards: AEON Points 1 pt per MYR 1
  • Annual Fee: MYR 0
  • Intro Offer: 1,000 AEON Points on first use
  • Card Type: Visa Gold

Amex True Cashback Card American Express Malaysia

RM0 /year

American Express's no-fee cashback card earning 1.5% on all purchases.

  • Rewards: 1.5% cashback all spend
  • Annual Fee: MYR 0
  • Intro Offer: 3% cashback first 60 days (up to MYR 150)
  • Card Type: Amex

CIMB Platinum Mastercard CIMB Malaysia

RM0 /year

CIMB Platinum with unlimited 1% cashback on all transactions.

  • Rewards: 1% unlimited cashback
  • Annual Fee: MYR 0 (waived)
  • Intro Offer: MYR 30 cashback on first transaction
  • Card Type: Mastercard

Hong Leong Wise Cashback Card Hong Leong Bank

RM0 /year

Customisable cashback card — choose 2 categories for 8% cashback.

  • Rewards: 8% cashback in chosen categories
  • Annual Fee: MYR 0
  • Intro Offer: MYR 50 cashback on first use
  • Card Type: Visa

Maybank 2 Gold Cards Maybank

RM0 /year

Malaysia's most popular credit cards with 5% cashback on weekends.

  • Rewards: 5% cashback weekends, 1% others
  • Annual Fee: MYR 0 (waived)
  • Intro Offer: MYR 50 cashback on first spend
  • Card Type: Visa/Mastercard

SC Simply Cash Credit Card Standard Chartered Malaysia

RM0 /year

Flat 1.5% cashback on all purchases with no foreign transaction fees.

  • Rewards: 1.5% cashback all spend
  • Annual Fee: MYR 0
  • Intro Offer: MYR 200 cashback with first spend
  • Card Type: Visa

Maybank Manchester United Visa Maybank

RM0 /year

Co-branded card for Man United fans — 5% cashback on Sundays and matchday spend.

  • Rewards: 5% cashback Sundays & matchday
  • Annual Fee: MYR 0 (waived)
  • Intro Offer: Limited edition welcome kit
  • Card Type: Visa

OCBC Cashflo Mastercard OCBC Malaysia

RM0 /year

Automatic 3-month instalment plan with 0% interest on all purchases.

  • Rewards: Automatic 0% instalment
  • Annual Fee: MYR 0
  • Intro Offer: MYR 50 cashback on first transaction
  • Card Type: Mastercard

AmBank BonusLink Visa AmBank

RM0 /year

AmBank's BonusLink co-brand card earning BonusLink points at Petronas and partners.

  • Rewards: BonusLink points on all spend
  • Annual Fee: MYR 0
  • Intro Offer: 2,000 BonusLink points on activation
  • Card Type: Visa

AmBank Plan AmBank

RM30 /month

  • Provider: AmBank

RHB Shell Visa Credit Card RHB

RM95 /year

  • Rewards: 12% cashback on Shell petrol
  • Annual Fee: RM95 (waivable)
  • Intro Offer: —
  • Card Type: Visa

RHB Visa Classic RHB

RM95 /year

RHB entry-level card with RHB Rewards and cash advance facility.

  • Rewards: RHB Rewards points
  • Annual Fee: MYR 95/year
  • Intro Offer: MYR 50 cashback on first purchase
  • Card Type: Visa Classic

Alliance Bank Plan Alliance Bank

RM100 /month

  • Provider: Alliance Bank

Get RM100 Cashback. Apply online for a Visa Credit Card/-i instantly AmBank

RM100 /month

  • Provider: AmBank

Announcements Alliance Bank

RM100 /month

  • Provider: Alliance Bank

PB Visa Platinum Public Bank

RM150 /year

Public Bank's flagship card with PB Points and lounge access.

  • Rewards: PB Points (1 pt per MYR 1)
  • Annual Fee: MYR 150/year
  • Intro Offer: 3x points first 3 months
  • Card Type: Visa Platinum

Alliance Visa Platinum Alliance Bank

RM150 /year

Alliance Bank's Platinum card with travel insurance and airport lounge.

  • Rewards: 2x points on dining & travel
  • Annual Fee: MYR 150/year
  • Intro Offer: 10,000 bonus points on first spend
  • Card Type: Visa Platinum

Affin Visa Infinite Affin Bank

RM450 /year

Affin's top-tier Visa Infinite with lounge access and 2x miles on travel.

  • Rewards: 2x miles on travel, 1x on others
  • Annual Fee: MYR 450/year
  • Intro Offer: 30,000 bonus miles on approval
  • Card Type: Visa Infinite

What are Credit Cards in Malaysia?

A credit card lets you borrow up to a set limit to pay for purchases, repaying either in full each month (interest-free) or over time (with interest charged on the balance). Malaysian cards offer rewards such as cashback, air miles, points and lifestyle perks, and come in conventional and Shariah-compliant (Islamic credit card-i) forms. They are widely accepted for retail, online and travel spending, and increasingly support contactless and DuitNow QR payments.

How the Malaysian market works

Credit cards are issued by banks and regulated by Bank Negara Malaysia (BNM), which caps the maximum interest rate and sets eligibility rules such as minimum income and, for lower earners, limits on the number of cards and total credit lines. Cards are marketed around reward types: cashback, air miles, petrol and grocery rebates, or premium travel benefits. Islamic credit cards use Shariah structures like Ujrah or Bai Inah instead of conventional interest. A government service tax applies annually.

Benefits

Interest-free credit — Paying the full statement balance by the due date gives you free short-term credit each cycle.

Rewards — Earn cashback, air miles or points, plus petrol, grocery and dining rebates on eligible spend.

Purchase convenience — Widely accepted online, overseas and in-store, with contactless and instalment payment options.

Islamic option — Shariah-compliant credit card-i products avoid conventional interest through Islamic structures.

How to choose

Match the card's rewards to your actual spending, whether that is cashback on groceries and petrol, air miles for travel, or points. Compare the annual fee (and whether it is waived on spend), the interest rate if you carry a balance, and any minimum-income requirement. Check foreign-transaction fees for overseas use, instalment-plan terms, and welcome offers. If you always pay in full, prioritise rewards; if you may revolve, prioritise a low rate.

Leading providers in Malaysia

Maybank, CIMB, RHB, AmBank, Alliance Bank and HSBC Malaysia issue a wide range of cashback, rewards and travel cards. AEON Credit is popular for retail and instalment-focused cards, and American Express Malaysia offers premium travel and rewards cards. Islamic credit cards are available from Islamic banks and Islamic windows. Compare reward categories and fees to find the card that fits your spending pattern.

What it costs

Many cards charge no annual fee or waive it on a minimum annual spend, while premium travel cards can charge up to around RM450 or more a year for their benefits, hence the brief's range from RM0 to RM450. If you carry a balance, interest accrues at BNM's capped maximum, which is high, so revolving is costly. An annual government service tax applies per card, and cash advances and foreign transactions incur extra fees.

Protections and regulation

Credit cards are issued by BNM-licensed banks and governed by BNM rules that cap interest rates and set eligibility and responsible-lending standards. Cards carry Visa, Mastercard or American Express network protections against unauthorised transactions. Product disclosure sheets are mandatory, and disputes can be escalated to the Ombudsman for Financial Services. Missed payments are recorded in CCRIS and can harm future credit applications.

Common questions

Do I pay interest if I settle in full? No, paying the full statement balance by the due date means no interest on retail purchases; interest only applies if you carry a balance or take a cash advance.

What income do I need? BNM sets a minimum income threshold for the principal cardholder, and lower-income earners face limits on cards and total credit lines.

Are there Islamic credit cards? Yes, Shariah-compliant credit card-i products use Islamic contracts instead of conventional interest.

Credit Cards in Malaysia — FAQ

What credit score do I need to get approved for a credit card in Malaysia?

Minimum score requirements vary by card and issuer. In Malaysia, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.

Which credit card in Malaysia has no foreign transaction fee?

Giraffy tracks 22 credit cards across 14 banks in Malaysia. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.

How do balance transfers work, and are they worth it?

A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.

What is a rewards or cashback credit card?

Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.

Can I get a credit card with no annual fee?

Yes — several cards tracked by Giraffy in Malaysia charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.

How does credit card interest work?

If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.

What is the difference between a credit limit and an available balance?

Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.