Compare Credit Cards in Malaysia

Live offers across tracked providers in Malaysia — updated daily from the Giraffy database.

Live offers

20 live offers compared from 14 providers, from RM0 /tahun. Updated daily.

Visa Platinum Rebat Tunai AmBank AmBank

RM0 /tahun

  • Ganjaran: Pulangan tunai 8% untuk barangan runcit
  • Yuran Tahunan: RM0 (percuma seumur hidup)
  • Tawaran Pengenalan: —
  • Jenis Kad: Visa Platinum

Visa Maya Bank Alliance Alliance Bank

RM0 /tahun

  • Ganjaran: 8x mata dalam talian dan e-dompet
  • Yuran Tahunan: RM0 (percuma seumur hidup)
  • Tawaran Pengenalan: —
  • Jenis Kad: Visa (maya)

AEON Visa Emas AEON Credit

RM0 /tahun

Kad Emas AEON Credit dengan Mata Ganjaran AEON yang boleh ditebus di kedai AEON.

  • Ganjaran: Mata AEON 1 mata setiap MYR 1
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: 1,000 Mata Ganjaran AEON untuk penggunaan pertama
  • Jenis Kad: Visa Emas

HSBC Amanah MPower Platinum HSBC Malaysia

RM0 /tahun

Kad kredit Islamik HSBC dengan pulangan tunai 8% untuk petrol dan barangan runcit.

  • Ganjaran: Pulangan tunai 8% petrol & barangan runcit
  • Yuran Tahunan: MYR 0 (tahun pertama dikecualikan)
  • Tawaran Pengenalan: Pulangan tunai MYR 100 setelah kelulusan
  • Jenis Kad: Visa-i

AmBank BonusLink Visa AmBank

RM0 /tahun

Kad jenama bersama BonusLink AmBank memperoleh mata BonusLink di Petronas dan rakan kongsi.

  • Ganjaran: Mata BonusLink untuk semua perbelanjaan
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: 2,000 mata BonusLink semasa pengaktifan
  • Jenis Kad: Visa

Kad Pulangan Tunai Amex True American Express Malaysia

RM0 /tahun

Kad pulangan tunai tanpa yuran American Express memperoleh 1.5% untuk semua pembelian.

  • Ganjaran: Pulangan tunai 1.5% untuk semua perbelanjaan
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: Pulangan tunai 3% 60 hari pertama (sehingga MYR 150)
  • Jenis Kad: Amex

Kad Mastercard Platinum CIMB CIMB Malaysia

RM0 /tahun

CIMB Platinum dengan pulangan tunai 1% tanpa had untuk semua transaksi.

  • Ganjaran: Pulangan tunai tanpa had 1%
  • Yuran Tahunan: MYR 0 (dikecualikan)
  • Tawaran Pengenalan: Pulangan tunai MYR 30 untuk transaksi pertama
  • Jenis Kad: Kad Mastercard

Kad Pulangan Tunai Hong Leong Wise Hong Leong Bank

RM0 /tahun

Kad pulangan tunai boleh disesuaikan — pilih 2 kategori untuk pulangan tunai 8%.

  • Ganjaran: Pulangan tunai 8% dalam kategori yang dipilih
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: Pulangan tunai MYR 50 untuk penggunaan pertama
  • Jenis Kad: Visa

Kad Emas Maybank 2 Maybank

RM0 /tahun

Kad kredit paling popular di Malaysia dengan pulangan tunai 5% pada hujung minggu.

  • Ganjaran: Pulangan tunai 5% hujung minggu, 1% lain-lain
  • Yuran Tahunan: MYR 0 (dikecualikan)
  • Tawaran Pengenalan: Pulangan tunai MYR 50 untuk perbelanjaan pertama
  • Jenis Kad: Visa/Mastercard

Kad Mastercard OCBC Cashflo OCBC Malaysia

RM0 /tahun

Pelan ansuran automatik 3 bulan dengan faedah 0% untuk semua pembelian.

  • Ganjaran: Ansuran automatik 0%
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: Pulangan tunai MYR 50 untuk transaksi pertama
  • Jenis Kad: Kad Mastercard

Kad Kredit SC Simply Cash Standard Chartered Malaysia

RM0 /tahun

Pulangan tunai tetap 1.5% untuk semua pembelian tanpa yuran transaksi asing.

  • Ganjaran: Pulangan tunai 1.5% untuk semua perbelanjaan
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: Pulangan tunai MYR 200 dengan perbelanjaan pertama
  • Jenis Kad: Visa

Kad Mastercard Platinum UOB YOLO UOB Malaysia

RM0 /tahun

Kad UOB yang berfokuskan kepada golongan milenial dengan pulangan tunai 8% untuk penghantaran makanan dan e-hailing.

  • Ganjaran: Pulangan tunai 8% penghantaran makanan & Grab
  • Yuran Tahunan: MYR 0
  • Tawaran Pengenalan: Pulangan tunai MYR 50 untuk transaksi pertama
  • Jenis Kad: Mastercard Platinum

Visa Maybank Manchester United Maybank

RM0 /tahun

Kad jenama bersama untuk peminat Man United — pulangan tunai 5% pada hari Ahad dan perbelanjaan hari perlawanan.

  • Ganjaran: Pulangan tunai 5% pada hari Ahad & hari perlawanan
  • Yuran Tahunan: MYR 0 (dikecualikan)
  • Tawaran Pengenalan: Kit alu-aluan edisi terhad
  • Jenis Kad: Visa

AmBank Plan AmBank

RM30 /month

  • Provider: AmBank

Kad Kredit RHB Shell Visa RHB

RM95 /tahun

  • Ganjaran: Pulangan tunai 12% untuk petrol Shell
  • Yuran Tahunan: RM95 (boleh dikecualikan)
  • Tawaran Pengenalan: —
  • Jenis Kad: Visa

RHB Visa Klasik RHB

RM95 /tahun

Kad peringkat permulaan RHB dengan Ganjaran RHB dan kemudahan pendahuluan tunai.

  • Ganjaran: Mata Ganjaran RHB
  • Yuran Tahunan: MYR 95/tahun
  • Tawaran Pengenalan: Pulangan tunai MYR 50 untuk pembelian pertama
  • Jenis Kad: Visa Klasik

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

RM100 /month

  • Provider: AmBank

PB Visa Platinum Public Bank

RM150 /tahun

Kad utama Public Bank dengan Mata Ganjaran PB dan akses lounge.

  • Ganjaran: Mata PB (1 mata setiap MYR 1)
  • Yuran Tahunan: MYR 150/tahun
  • Tawaran Pengenalan: 3x mata ganjaran 3 bulan pertama
  • Jenis Kad: Visa Platinum

Visa Platinum Perikatan Alliance Bank

RM150 /tahun

Kad Platinum Alliance Bank dengan insurans perjalanan dan ruang istirehat lapangan terbang.

  • Ganjaran: 2x mata ganjaran untuk makan & melancong
  • Yuran Tahunan: MYR 150/tahun
  • Tawaran Pengenalan: 10,000 mata bonus untuk perbelanjaan pertama
  • Jenis Kad: Visa Platinum

Affin Visa Infinite Affin Bank

RM450 /tahun

Visa Infinite peringkat tertinggi Affin dengan akses lounge dan 2x batu untuk perjalanan.

  • Ganjaran: 2x batu untuk perjalanan, 1x untuk perjalanan lain
  • Yuran Tahunan: MYR 450/tahun
  • Tawaran Pengenalan: 30,000 batu bonus setelah diluluskan
  • Jenis Kad: 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.

The cheapest Credit Cards in Malaysia is RM0 /year from AmBank.

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 5 credit cards across AmBank,Alliance Bank,AEON Credit,HSBC Malaysia 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.