Best Cashback Credit Cards in Malaysia — May 2026
By money.com.my EditorialLast updated: 13 April 2026189 products compared
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Cashback credit cards return a percentage of your spending as cash credited to your statement. The best ones offer high earn rates on everyday categories — groceries, petrol, dining, and online shopping — without demanding an unrealistic minimum spend. We compared every active cashback credit card from BNM-licensed banks in Malaysia and ranked them by total annual value for a typical household spending RM2,500 per month.
Quick comparison
| # | Product | Key Rate | Annual Fee | Min Income | Best For | |
|---|---|---|---|---|---|---|
| 1 |  Maybank Maybank 2 Platinum Cards | — | Free | RM 5,000/mo | Mid-income earners who want higher credit limits and weekend cashback without an annual fee | Details |
| 2 | — | Free | RM 2,000/mo | Everyday Muslim commuters who refuel at Petronas and want strong Islamic petrol cashback without a high income requirement | Details | |
| 3 | Maybank Maybank 2 Gold Cards | — | Free | RM 2,500/mo | Salaried earners who want a free, zero-fuss cashback card for weekend spending | Details |
| 4 | — | Free | RM 2,000/mo | Budget-conscious earners who want a free, multi-category cashback card with a low RM2,000/month income requirement | Details | |
| 5 |  CIMB Bank CIMB Preferred Visa Infinite | — | Free | — | CIMB Preferred Banking clients (RM200,000+ AUM) who receive this card as part of their private banking relationship | Details |
| 6 |  RHB Bank RHB Shell Visa Credit Card | — | Free | RM 2,000/mo | Maximising petrol savings at Shell stations | Details |
| 7 | RHB Bank RHB Shell Visa Credit Card-i | — | Free | RM 2,000/mo | Muslim drivers who want halal petrol cashback at Shell stations under a Shariah-compliant card structure | Details |
| 8 |  UOB Malaysia UOB PRVI Miles Elite Card | — | Free | RM 8,333/mo | Premium miles earners (RM8,333+/month) who want UOB PRVI Miles Elite for higher miles earning and airport lounge access | Details |
| 9 | — | Free | RM 2,000/mo | Muslim cardholders who want an ESG-linked Islamic card with one of the highest cashback rates available from Maybank | Details | |
| 10 | UOB Malaysia UOB ONE Card | — | Free | RM 3,000/mo | High cashback across multiple everyday spend categories | Details |
| 11 |  HSBC Malaysia HSBC Premier Travel Credit Card | — | Free | — | HSBC Premier clients who travel frequently and want an air miles card with lounge access | Details |
| 12 | UOB Malaysia UOB PRVI Miles Card | — | Free | RM 5,000/mo | Frequent flyers (RM5,000+/month) who want to earn KrisFlyer miles or other airline miles on everyday spend with UOB | Details |
| 13 | UOB Malaysia UOB Visa Infinite Card | — | Free | RM 10,000/mo | High earners (RM10,000+/month) who want UOB's top Visa Infinite card with premium benefits and high credit limits | Details |
| 14 | RHB Bank RHB Premier Visa Infinite | — | Free | RM 12,500/mo | Existing RHB Premier Banking clients who want a complimentary Visa Infinite with premium travel and lifestyle benefits | Details |
| 15 | UOB Malaysia UOB Zenith Card | — | RM 1,000 | RM 16,000/mo | Ultra-high-net-worth individuals (RM16,000+/month, RM1,000 annual fee) who want UOB's most exclusive card with bespoke concierge and unlimited lounge access | Details |
| 16 | — | Free | RM 2,000/mo | Muslim cardholders seeking a halal cashback card with a low income requirement | Details | |
| 17 |  Affin Bank AFFIN INVIKTA World Mastercard | — | Free | RM 10,000/mo | High earners (RM10,000+/month) who want AFFIN's flagship INVIKTA World Mastercard for premium travel and lifestyle rewards | Details |
| 18 |  Alliance Bank Alliance Bank Visa Infinite | — | Free | RM 5,000/mo | High-earners (RM5,000+/month) seeking a premium Infinite-tier card with lifestyle privileges and high credit limits | Details |
| 19 | — | Free | RM 3,000/mo | Conscious spenders at the RM3,000+ income tier who want high cashback tied to an ESG-linked spending framework | Details | |
| 20 |  Hong Leong Bank Hong Leong Wise Credit Card | — | RM 98 | RM 2,000/mo | Highest cashback rate for targeted category spenders | Details |
| 21 | HSBC Malaysia HSBC Live+ Credit Card | — | Free | RM 8,500/mo | Earners (RM8,500+/month) who want HSBC's best cashback card with up to 5% on dining, groceries, and petrol | Details |
| 22 |  Standard Chartered Malaysia Standard Chartered Priority Banking Visa Infinite | — | Free | — | Standard Chartered Priority banking clients who want a premium Visa Infinite with exclusive privileges | Details |
| 23 | Maybank Petronas Maybank Visa Gold | — | Free | RM 2,500/mo | Budget-conscious conventional drivers who fill up at Petronas regularly and want a free card with basic petrol rewards | Details |
| 24 | — | Free | RM 8,333/mo | Muslim high earners (RM8,333+/month) who want Bank Islam's premium World Mastercard for lifestyle privileges | Details | |
| 25 | Affin Bank AFFIN INVIKTA Visa Infinite | — | Free | RM 10,000/mo | High earners (RM10,000+/month) who want AFFIN's INVIKTA Visa Infinite for maximum credit limit and Infinite-tier benefits | Details |
| 26 | — | Free | RM 8,333/mo | Muslim high earners (RM8,333+/month) who want Bank Islam's top Visa Infinite with up to 8% cashback on eligible categories | Details | |
| 27 | — | Free | RM 2,000/mo | Broad cashback coverage with no annual fee | Details | |
| 28 | — | Free | RM 2,500/mo | Muslim commuters who refuel regularly at Petronas stations and want halal petrol cashback | Details | |
| 29 |  Public Bank Public Bank Quantum MasterCard | — | Free | RM 3,000/mo | Public Bank customers (RM3,000+/month) who want a Quantum MasterCard with 2% cashback on select categories | Details |
| 30 | — | Free | RM 5,000/mo | Malaysian frequent Singapore Airlines flyers (RM5,000+/month) who want stronger KrisFlyer miles earning | Details | |
| 31 | Public Bank Public Bank Visa Infinite | — | Free | RM 8,333/mo | Affluent earners (RM8,333+/month) who want a Public Bank Visa Infinite with up to 2% cashback and Infinite-tier privileges | Details |
| 32 | UOB Malaysia UOB EVOL Card | — | Free | RM 3,000/mo | Digital-first earners (RM3,000+/month) who spend heavily on streaming, food delivery, and ride-hailing apps and want up to 10% cashback | Details |
| 33 | Public Bank Public Bank World MasterCard Credit Card | — | Free | RM 8,333/mo | Affluent Public Bank customers (RM8,333+/month) who want a World MasterCard for premium privileges | Details |
| 34 | HSBC Malaysia HSBC Amanah Premier World Mastercard Credit Card-i | — | Free | — | Muslim HSBC Premier banking clients who want a Shariah-compliant World Mastercard with up to 1% cashback | Details |
| 35 |  OCBC Bank OCBC 365 MasterCard | — | Free | RM 4,000/mo | Everyday spenders who want category cashback across dining, petrol, groceries, and online shopping 365 days a year | Details |
| 36 | HSBC Malaysia HSBC Premier World Mastercard Credit Card | — | Free | — | HSBC Premier banking clients who want a premium World Mastercard with global privileges | Details |
| 37 | Standard Chartered Malaysia Standard Chartered Journey Credit Card | — | Free | RM 8,000/mo | Frequent travellers (RM8,000+/month) who want to earn SC Journey points for flights and hotels | Details |
| 38 | — | Free | — | AmBank Priority Banking clients who want an exclusive Visa Infinite with premium privileges | Details | |
| 39 |  AmBank AmBank Visa Infinite | — | Free | RM 10,000/mo | High earners (RM10,000+/month) who want AmBank's top-tier Visa Infinite with premium travel and lifestyle benefits | Details |
| 40 | HSBC Malaysia HSBC Amanah MPower Platinum Credit Card-i | — | Free | RM 8,500/mo | High-income earners wanting a premium Shariah-compliant cashback card | Details |
| 41 | UOB Malaysia UOB World Card | — | Free | RM 5,000/mo | Mid-income earners (RM5,000+/month) who want UOB's World card for premium rewards and lifestyle benefits | Details |
| 42 | — | Free | RM 10,000/mo | Muslim high earners (RM10,000+/month) who want AmBank's top Shariah-compliant Visa Infinite | Details | |
| 43 | — | Free | RM 8,333/mo | High earners (RM8,333+/month) who frequently transact in both MYR and RMB, particularly for China travel or business | Details | |
| 44 | HSBC Malaysia HSBC TravelOne Credit Card | — | Free | RM 8,500/mo | HSBC cardholders (RM8,500+/month) who want to earn transferable travel miles across multiple airline programmes | Details |
| 45 | Public Bank Public Bank Petron Visa Gold | — | Free | RM 2,000/mo | Regular Petron petrol station users who fill up frequently and want 5% cashback at Petron pumps | Details |
| 46 | CIMB Bank CIMB Travel Platinum Credit Card | — | Free | RM 2,000/mo | Entry-level AirAsia frequent flyers who want a free travel card to accumulate BIG Points on everyday spend | Details |
| 47 | — | Free | RM 5,000/mo | Higher-income Muslim drivers who fill up exclusively at Petronas and want a Shariah-compliant Platinum card | Details | |
| 48 | Public Bank Public Bank Visa Signature | — | Free | RM 6,666/mo | Mid-to-senior earners (RM6,666+/month) who want a Public Bank Visa Signature with 2% cashback and higher credit limits | Details |
| 49 | Standard Chartered Malaysia Standard Chartered Simply Cash Credit Card | — | Free | RM 8,000/mo | High earners (RM8,000+/month) wanting Standard Chartered's best cashback card at up to 15% on online and contactless spending | Details |
| 50 | UOB Malaysia Lazada UOB Card | — | Free | RM 2,000/mo | Lazada shoppers (RM2,000+/month) who want a co-branded card for Lazada purchases and UOB rewards | Details |
| 51 | UOB Malaysia UOB Lady's Card | — | Free | RM 5,000/mo | Female earners (RM5,000+/month) seeking a UOB card designed with women's lifestyle spending in mind | Details |
| 52 | UOB Malaysia UOB Lady's Solitaire Card | — | Free | RM 10,000/mo | High-earning women (RM10,000+/month) who want UOB's premium Lady's Solitaire card with exclusive privileges | Details |
| 53 | Affin Bank AFFIN World Mastercard | — | Free | RM 6,666/mo | Mid-senior earners (RM6,666+/month) who want AFFIN's premium World Mastercard for lifestyle rewards | Details |
| 54 | Affin Bank AFFIN World Mastercard-i | — | Free | RM 6,666/mo | Muslim earners (RM6,666+/month) who want AFFIN's Islamic World Mastercard without riba | Details |
| 55 | Alliance Bank Alliance Bank Visa Infinite Business Credit Card | — | Free | — | Business owners and SME operators who want a premium Infinite-tier corporate card with up to 1.5% cashback on business expenses | Details |
| 56 | — | Free | RM 6,666/mo | BonusLink loyalty members (RM6,666+/month) who want to earn BonusLink points via a Visa Signature | Details | |
| 57 | Alliance Bank Alliance Bank Visa Signature | — | Free | RM 4,000/mo | Mid-income earners (RM4,000+/month) who want up to 5% cashback with a free Visa Signature card | Details |
| 58 | — | Free | RM 5,000/mo | High-income conventional cardholders who fill up exclusively at Petronas and want Mesra points accumulation | Details | |
| 59 | — | Free | RM 10,000/mo | High-income Muslim drivers who fill up regularly at Petronas and want the highest Shariah-compliant petrol cashback available from CIMB | Details | |
| 60 | — | Free | RM 6,666/mo | Muslim earners (RM6,666+/month) who want AmBank's Islamic Visa Signature for rewards earning | Details | |
| 61 | — | Free | RM 6,666/mo | Mid-senior earners (RM6,666+/month) who want AmBank's Visa Signature with rewards earning | Details | |
| 62 | — | Free | RM 3,000/mo | Malaysian frequent flyers on Singapore Airlines (RM3,000+/month) who want an entry-level KrisFlyer card to earn miles | Details | |
| 63 | RHB Bank RHB Visa Infinite | — | Free | RM 12,500/mo | High-income professionals who want accessible Visa Infinite travel benefits with a permanently free annual fee from RHB | Details |
| 64 | BA Bank Rakyat Bank Rakyat Platinum Explorer Credit Card-i | — | Free | RM 5,000/mo | Muslim earners (RM5,000+/month) who want a Shariah-compliant Platinum card with up to 5% cashback and travel perks | Details |
| 65 | Affin Bank AFFIN DUO Visa Cash Back | — | Free | RM 2,000/mo | Budget-conscious spenders wanting simple cashback | Details |
| 66 | Affin Bank AFFIN BHPetrol MasterCard | — | Free | RM 2,000/mo | Drivers who fill up at BHPetrol and want up to 10% cashback on petrol spending with AFFIN | Details |
| 67 | — | Free | RM 3,333/mo | Muslim professionals who primarily spend at Amex-accepting merchants and want Shariah-compliant cashback | Details | |
| 68 | HSBC Malaysia HSBC Visa Signature Credit Card | — | Free | RM 8,500/mo | Mid-high income earners (RM8,500+/month) seeking a premium Visa Signature with HSBC privileges | Details |
| 69 | — | Free | RM 4,000/mo | Mid-income earners (RM4,000+/month) with regular MYR/RMB spending needs who want ICBC's Gold-tier dual currency card | Details | |
| 70 | OCBC Bank OCBC 90⁰N Visa Card | — | Free | RM 5,000/mo | Frequent travellers who want to earn air miles on everyday and overseas spending with OCBC | Details |
| 71 | OCBC Bank OCBC World MasterCard | — | Free | RM 8,333/mo | High-income earners (RM8,333/month+) wanting a premium World-tier card with rewards and travel privileges | Details |
| 72 | CIMB Bank CIMB Travel World Credit Card | — | Free | RM 8,333/mo | Mid-to-high income earners who travel regularly and want Mastercard World lounge access and travel insurance without going to the World Elite tier | Details |
| 73 | — | Free | RM 5,000/mo | Frequent AEON shoppers (RM5,000+/month) who prefer Mastercard and want up to 10% cashback on AEON purchases | Details | |
| 74 | — | Free | RM 5,000/mo | Frequent AEON shoppers (RM5,000+/month) who want up to 10% cashback on AEON purchases with a Visa Platinum | Details | |
| 75 | — | Free | RM 3,000/mo | Muslim earners (RM3,000+/month) who want a Shariah-compliant Mastercard Platinum from Bank Islam | Details | |
| 76 | Public Bank Public Bank Platinum MasterCard | — | Free | RM 4,166/mo | Public Bank customers who want a standard Platinum MasterCard for higher credit limits without annual fee | Details |
| 77 | — | Free | — | Muslim business owners who want Bank Islam's Shariah-compliant business Visa Infinite with up to 8% cashback | Details | |
| 78 | BS BSN (Bank Simpanan Nasional) BSN Visa Cash Back Credit Card | — | Free | RM 4,000/mo | BSN banking customers (RM4,000+/month) who want the bank's best cashback card at up to 5% on everyday spending | Details |
| 79 | Affin Bank AFFIN Visa Business Platinum | — | Free | RM 10,000/mo | Business owners (RM10,000+/month) who want AFFIN's Visa Business Platinum with up to 1% cashback on company expenses | Details |
| 80 | — | Free | RM 3,333/mo | Muslim earners (RM3,333+/month) who want a Shariah-compliant Visa Platinum with up to 2% cashback | Details | |
| 81 | Affin Bank AFFIN Visa Business Platinum-i | — | Free | RM 10,000/mo | Muslim business owners (RM10,000+/month) who want a Shariah-compliant Visa Business Platinum with 1% cashback | Details |
| 82 | OCBC Bank OCBC Premier Voyage MasterCard | — | Free | — | OCBC Premier banking clients who travel frequently and want air miles with premium service | Details |
| 83 | BA Bank Rakyat Bank Rakyat Platinum Credit Card-i | — | Free | RM 5,000/mo | Muslim mid-senior earners (RM5,000+/month) wanting a standard Islamic Platinum card from Bank Rakyat | Details |
| 84 | Public Bank Public Bank Visa Platinum | — | Free | RM 4,166/mo | Mid-income earners (RM4,166+/month) who want a standard Public Bank Visa Platinum for daily use | Details |
| 85 | — | Free | RM 3,000/mo | Muslim earners (RM3,000+/month) who want Bank Islam's mid-tier Visa Platinum with 5% cashback | Details | |
| 86 | Public Bank Mutual Gold Public Bank Visa Platinum | — | Free | — | Mutual Gold co-operative members who want a Public Bank Visa card with a basic cashback | Details |
| 87 | Affin Bank AFFIN DUO Mastercard Rewards | — | Free | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want a free AFFIN DUO card that earns rewards points | Details |
| 88 | HSBC Malaysia HSBC Platinum Credit Card | — | Free | RM 8,500/mo | HSBC banking customers who want a basic Platinum Visa for everyday transactions | Details |
| 89 | — | Free | RM 2,000/mo | Drivers who prefer Islamic banking and want up to 5% cashback at petrol stations | Details | |
| 90 | — | Free | RM 2,000/mo | Muslim earners (RM2,000+/month) who want a Shariah-compliant entry-level Visa Platinum | Details | |
| 91 | — | Free | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want ICBC's most accessible dual-currency MYR/RMB card | Details | |
| 92 | — | Free | RM 3,333/mo | Muslim earners (RM3,333+/month) who want a Shariah-compliant Platinum card with up to 2% cashback | Details | |
| 93 | — | Free | RM 2,000/mo | BonusLink members (RM2,000+/month) who want to accumulate loyalty points with a free entry-level card | Details | |
| 94 | Alliance Bank Alliance Bank Visa Platinum | — | Free | RM 2,000/mo | Young earners who want a free Platinum card with Visa acceptance for everyday transactions | Details |
| 95 | Standard Chartered Malaysia Standard Chartered Visa Platinum | — | Free | RM 8,000/mo | Standard Chartered banking customers (RM8,000+/month) who want a Visa Platinum for everyday spend | Details |
| 96 |  AEON Bank AEON BiG Visa Gold | — | Free | RM 3,000/mo | Regular AEON BiG store shoppers (RM3,000+/month) who want up to 5% cashback on BiG store and AEON purchases | Details |
| 97 | — | Free | RM 5,000/mo | Frequent travellers to China or users of China-based payment networks who want a dual-currency UnionPay/Visa card from AmBank | Details | |
| 98 | IC | — | Free | RM 8,333/mo | Higher earners (RM8,333+/month) who bank with ICBC and want a premium Visa Platinum for transactions | Details |
| 99 | OCBC Bank OCBC Titanium MasterCard Pink | — | Free | RM 4,000/mo | Lifestyle shoppers who want a rewards-based card for retail and online spending | Details |
| 100 | UOB Malaysia UOB Preferred Card | — | Free | RM 3,000/mo | Mid-income earners (RM3,000+/month) who want a reliable UOB Visa card with basic rewards for everyday spending | Details |
| 101 | — | Free | RM 3,000/mo | Regular AEON shoppers (RM3,000+/month) who prefer Mastercard and want up to 8% cashback | Details | |
| 102 | Public Bank Public Bank Quantum Visa | — | Free | RM 3,000/mo | Public Bank loyalists wanting a no-fuss cashback card | Details |
| 103 | OCBC Bank OCBC Titanium MasterCard Blue | — | Free | RM 4,000/mo | Lifestyle shoppers who want a rewards-based card for retail and online spending | Details |
| 104 | — | Free | RM 3,000/mo | Regular AEON shoppers (RM3,000+/month) who want up to 8% cashback at AEON with a Visa Gold | Details | |
| 105 | RHB Bank MyEG-RHB Credit Card | — | RM 88 | RM 2,000/mo | MyEG platform users (RM2,000+/month) who want a co-branded RHB card for government digital service transactions | Details |
| 106 | AEON Bank AEON Biker Infinite Visa Card | — | Free | RM 7,500/mo | Premium motorcycle riders (RM7,500+/month) who want AEON's top biker card with up to 8% cashback | Details |
| 107 | — | Free | RM 2,000/mo | Entry-level AEON shoppers (RM2,000+/month) who prefer Mastercard and want 5% cashback at AEON | Details | |
| 108 | — | Free | RM 2,000/mo | Entry-level AEON Member Plus shoppers (RM2,000+/month) who want 5% cashback with a basic Visa card | Details | |
| 109 | — | Free | RM 2,000/mo | Entry-level earners who prefer accumulating transferable reward points over cashback for travel redemptions | Details | |
| 110 | Affin Bank AFFIN Platinum Mastercard-i | — | Free | RM 2,500/mo | Muslim earners (RM2,500+/month) who want an accessible Shariah-compliant Platinum Mastercard | Details |
| 111 | Maybank Maybank Visa Signature | — | Free | RM 5,833/mo | Upper-mid income professionals who want Visa Signature perks and weekend cashback without a fixed annual fee | Details |
| 112 | — | Free | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want a free AmBank Visa Platinum as their first credit card | Details | |
| 113 | — | Free | RM 2,000/mo | Muslim entry-level earners (RM2,000+/month) who want a basic Shariah-compliant Mastercard Gold | Details | |
| 114 | — | Free | RM 2,000/mo | Muslim entry-level earners (RM2,000+/month) who want a Shariah-compliant Visa Gold with up to 3% cashback | Details | |
| 115 | Public Bank Public Bank Visa Commercial | — | Free | — | Corporate clients of Public Bank needing a commercial Visa card for company expense management | Details |
| 116 | BA Bank Rakyat Bank Rakyat Gold Credit Card-i | — | Free | RM 3,000/mo | Muslim earners (RM3,000+/month) who want an accessible Islamic Gold credit card from a cooperative bank | Details |
| 117 | BA Bank Rakyat Bank Rakyat Muslimah Credit Card-i | — | Free | RM 2,000/mo | Muslim women (RM2,000+/month) who want a Shariah-compliant credit card designed for female cardholders | Details |
| 118 | BS BSN (Bank Simpanan Nasional) BSN Al-Aiman Platinum Credit Card | — | Free | RM 4,000/mo | Muslim earners (RM4,000+/month) who want BSN's Shariah-compliant Platinum card for everyday banking | Details |
| 119 | BS BSN (Bank Simpanan Nasional) BSN Platinum Credit Card | — | Free | RM 4,000/mo | BSN banking customers (RM4,000+/month) who want a basic Platinum card | Details |
| 120 | BS BSN (Bank Simpanan Nasional) BSN-AIAFAM Visa Platinum Credit Card | — | Free | RM 2,666/mo | AIA FAM policyholders (RM2,666+/month) who want a co-branded BSN Visa Platinum with modest cashback | Details |
| 121 | IC ICBC ICBC Visa Gold | — | Free | RM 4,000/mo | Mid-income earners (RM4,000+/month) who want an ICBC Visa Gold for everyday transactions | Details |
| 122 | OCBC Bank OCBC Cashflo MasterCard | — | Free | RM 4,000/mo | Cardholders who want to split large purchases into 0% monthly instalments | Details |
| 123 | — | Free | RM 4,000/mo | Great Eastern policyholders who want a co-branded card with up to 2.5% cashback on everyday spending | Details | |
| 124 | Public Bank Public Bank AIA Visa Gold | — | Free | RM 2,000/mo | AIA insurance policyholders who bank with Public Bank and want a co-branded card with basic cashback | Details |
| 125 | Public Bank Public Bank Gold MasterCard | — | Free | RM 2,000/mo | Basic Public Bank cardholders who want a simple Gold MasterCard for transactions | Details |
| 126 | Public Bank Public Bank Visa Business | — | Free | — | Business owners who want a Public Bank Visa card for corporate expenses with modest cashback | Details |
| 127 | Public Bank Public Bank Visa Gold | — | Free | RM 2,000/mo | Basic Public Bank credit card users who want a simple Visa Gold for everyday transactions | Details |
| 128 | — | Free | RM 2,000/mo | Muslim cardholders (RM2,000+/month) seeking an accessible Shariah-compliant Gold MasterCard with basic cashback | Details | |
| 129 | RHB Bank RHB Cash Back Visa Credit Card | — | Free | RM 2,000/mo | Entry-level earners who prefer Visa network acceptance and want up to 10% cashback on everyday categories | Details |
| 130 | Public Bank Public Islamic Bank Visa Gold Credit Card-i | — | Free | RM 2,000/mo | Muslim earners (RM2,000+/month) who want an entry-level Islamic Visa Gold with up to 1% cashback | Details |
| 131 | AEON Bank AEON BiG Visa Classic | — | Free | RM 2,000/mo | Entry-level AEON BiG shoppers (RM2,000+/month) who want a starter co-branded card with 5% cashback | Details |
| 132 | UOB Malaysia UOB Platinum Business Card | — | Free | RM 3,000/mo | Business owners (RM3,000+/month) who want a UOB Platinum Business card with up to 1.2% cashback on company spend | Details |
| 133 | UOB Malaysia UOB Simple Card | — | Free | RM 2,000/mo | Young earners (RM2,000+/month) who want UOB's best cashback card — up to 10% on online and contactless spending | Details |
| 134 | — | Free | RM 3,333/mo | Muslim earners who want a Shariah-compliant Mastercard Platinum with straightforward cashback | Details | |
| 135 | RHB Bank RHB Rewards Visa Credit Card | — | Free | RM 2,000/mo | Entry-level earners who prefer Visa and want to accumulate transferable reward points on everyday spending | Details |
| 136 | CIMB Bank CIMB e Credit Card | — | Free | RM 2,000/mo | Online shoppers who want a dedicated e-commerce card with 0% instalment plans and no upfront annual fee pressure | Details |
| 137 | — | Free | RM 2,000/mo | Muslim cardholders at the entry income tier who prefer halal reward points over cashback | Details | |
| 138 | CIMB Bank CIMB Travel World Elite Credit Card | — | Free | RM 20,833/mo | Top-tier earners who travel frequently and want CIMB's most premium travel card with unlimited lounge access and World Elite Mastercard benefits | Details |
| 139 | CIMB Bank CIMB Visa Infinite | — | Free | RM 5,000/mo | Mid-to-high income professionals who want Visa Infinite lounge access and travel benefits at a relatively accessible RM5,000/month income requirement | Details |
| 140 | CIMB Bank CIMB World MasterCard | — | Free | RM 7,500/mo | Mid-to-high income professionals who prefer Mastercard and want World-tier lounge access and travel insurance at a free annual fee | Details |
| 141 | — | Free | RM 2,000/mo | Entry-level earners who want one of Malaysia's highest cashback rates at the lowest qualifying income | Details | |
| 142 | — | Free | RM 2,000/mo | Muslim earners who want Malaysia's highest accessible halal cashback card at the RM2,000 income threshold | Details | |
| 143 | BS BSN (Bank Simpanan Nasional) BSN Gold Credit Card | — | Free | RM 3,000/mo | BSN banking customers (RM3,000+/month) who want a basic Gold card for everyday transactions | Details |
| 144 | Affin Bank AFFIN MasterCard Gold | — | Free | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want a basic AFFIN MasterCard Gold for everyday transactions | Details |
| 145 | IC | — | Free | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want an ICBC Visa Classic for basic transactions | Details |
| 146 | BS BSN (Bank Simpanan Nasional) BSN Al-Aiman Gold Credit Card | — | Free | RM 3,000/mo | Muslim earners (RM3,000+/month) who want an accessible Shariah-compliant Gold card from BSN | Details |
| 147 | Affin Bank AFFIN Visa Gold | — | Free | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want a basic free AFFIN Visa Gold for everyday transactions | Details |
| 148 | AEON Bank AEON Biker Gold Visa Card | — | Free | RM 2,000/mo | Motorcycle riders (RM2,000+/month) who want a co-branded AEON card with petrol and biker-related cashback | Details |
| 149 | Alliance Bank Alliance Bank Visa Virtual Credit Card | — | Free | RM 2,000/mo | Online shoppers who want a dedicated virtual card for safe e-commerce and subscription payments | Details |
| 150 | Standard Chartered Malaysia Standard Chartered Platinum MasterCard Basic | — | Free | RM 8,000/mo | SC banking customers who need a basic Platinum MasterCard without the income restriction of premium cards | Details |
| 151 | Affin Bank AFFIN Mastercard Gold-i | — | Free | RM 2,000/mo | Muslim earners (RM2,000+/month) who want a basic Shariah-compliant AFFIN Gold card | Details |
| 152 | Maybank Maybank Shopee Visa Platinum | — | Free | RM 2,000/mo | Frequent Shopee shoppers who want platform rewards and a permanently free card | Details |
| 153 | — | Free | RM 2,500/mo | Existing Maybank Amex users who spend regularly at Amex-accepting merchants and want a simple flat cashback | Details | |
| 154 | Alliance Bank Alliance Bank Visa Basic | — | Free | RM 2,000/mo | First-time credit card applicants who need a simple, no-frills card for basic spending | Details |
| 155 | CIMB Bank CIMB Platinum BusinessCard | — | Free | — | SME owners and business operators who want a free corporate card with flat cashback on all business expenses | Details |
| 156 | — | Free | RM 2,000/mo | Frequent Grab users who want to earn GrabRewards points on rides, GrabFood, and GrabPay transactions | Details | |
| 157 | CIMB Bank CIMB Platinum Credit Card | — | Free | RM 2,000/mo | New-to-credit earners who want a free entry Platinum card and are comfortable accumulating CIMB Points rather than earning cashback | Details |
| 158 | CIMB Bank CIMB Platinum-i Credit Card | — | Free | RM 2,000/mo | Muslim cardholders who want a permanently free, Shariah-compliant entry Platinum card for everyday CIMB Points accumulation | Details |
| 159 | RHB Bank RHB Visa Signature | — | Free | RM 6,666/mo | Mid-to-high income earners who want solid cashback returns and Visa Signature benefits without an annual fee | Details |
| 160 | — | Free | RM 6,666/mo | Muslim professionals at the RM6,666+ income tier who want halal World Mastercard benefits and strong cashback returns | Details | |
| 161 | BS BSN (Bank Simpanan Nasional) BSN-Teachers Gold Credit Card | — | Free | RM 2,000/mo | Malaysian teachers (RM2,000+/month) who want a co-branded BSN Gold card with special benefits for educators | Details |
| 162 | BS BSN (Bank Simpanan Nasional) BSN-UUM Al-Aiman Mastercard Credit Card | — | Free | RM 2,000/mo | UUM alumni/students and Muslim earners (RM2,000+/month) who want a Shariah-compliant co-branded BSN card | Details |
| 163 | RHB Bank RHB Corporate Credit Card | — | RM 150 | — | Businesses and corporate cardholders who need a dedicated RHB expense card with basic cashback on company spending | Details |
| 164 | BS BSN (Bank Simpanan Nasional) BSN G-Card Al-Aiman Visa Credit Card | — | Free | RM 2,000/mo | Muslim civil servants (RM2,000+/month) who want a government-linked Islamic Visa credit card through BSN | Details |
| 165 | BS BSN (Bank Simpanan Nasional) BSN-Teachers Al-Aiman Gold Credit Card | — | Free | RM 2,000/mo | Muslim teachers (RM2,000+/month) who want a Shariah-compliant co-branded Gold card through BSN | Details |
| 166 | BS BSN (Bank Simpanan Nasional) BSN Classic Credit Card | — | Free | RM 2,000/mo | BSN banking customers (RM2,000+/month) who want a basic classic credit card for general transactions | Details |
| 167 | BS BSN (Bank Simpanan Nasional) BSN Al-Aiman Classic Credit Card | — | Free | RM 2,000/mo | Muslim earners (RM2,000+/month) who want a basic Shariah-compliant card for first-time credit card use | Details |
| 168 | CIMB Bank CIMB Visa Signature | — | Free | RM 3,000/mo | Earners in the RM3,000–5,000/month range who want a free Visa Signature card with lifestyle benefits as a step up from basic Platinum | Details |
| 169 | BS BSN (Bank Simpanan Nasional) BSN G-Card Visa Credit Card | — | Free | RM 2,000/mo | Civil servants (RM2,000+/month) who want a government-linked BSN Visa card for everyday transactions | Details |
| 170 | Affin Bank AFFIN Mastercard Basic-i | — | Free | RM 2,000/mo | Muslim earners (RM2,000+/month) who want a basic free Shariah-compliant card for everyday transactions | Details |
| 171 | — | Free | RM 4,000/mo | Japan Club of KL members and Japan-culture enthusiasts (RM4,000+/month) who want a co-branded AEON Visa with up to 8% cashback | Details | |
| 172 | RHB Bank RHB World MasterCard Credit Card | — | Free | RM 6,666/mo | Mid-to-high income earners who want Mastercard World lounge access and travel benefits alongside a 6% cashback rate | Details |
| 173 | Hong Leong Bank Hong Leong I'm Credit Card | — | Free | RM 2,000/mo | Young earners (RM2,000+/month) who want a free Hong Leong entry-level card for basic transactions | Details |
| 174 | — | Free | RM 2,500/mo | Entry-level Manchester United fans who want a branded card with a permanently free annual fee | Details | |
| 175 | Hong Leong Bank GSC - Hong Leong Gold Visa | — | RM 150 | RM 2,000/mo | Regular GSC cinema-goers (RM2,000+/month) who want an entry-level co-branded card for movie rewards | Details |
| 176 | — | Free | RM 4,000/mo | FC Barcelona fans who want a branded card with Visa Signature benefits and a permanently free annual fee | Details | |
| 177 | Hong Leong Bank Hong Leong Essential Credit Card | — | RM 100 | RM 2,000/mo | Entry-level earners (RM2,000+/month) who want a basic Hong Leong card with modest cashback | Details |
| 178 | Hong Leong Bank Hong Leong Visa Infinite Doctor's Edition | — | Free | RM 4,000/mo | Medical professionals (doctors, RM4,000+/month) who want a co-branded Hong Leong Visa Infinite with profession-specific benefits | Details |
| 179 | — | Free | RM 15,833/mo | High-net-worth conventional cardholders who want Malaysia's most premium Mastercard tier with full global travel benefits | Details | |
| 180 | — | Free | RM 15,833/mo | High-net-worth Muslim professionals who want Malaysia's top-tier Shariah-compliant Mastercard with premium travel and lifestyle access | Details | |
| 181 | Maybank Maybank 2 Cards Premier | — | Free | RM 8,333/mo | High-income earners who want a premium Maybank dual-card setup (Amex + Mastercard) with flexible acceptance and premier rewards | Details |
| 182 | — | Free | RM 8,333/mo | High-income Muslim professionals who want a halal Visa Infinite with airport lounge access and premium travel perks | Details | |
| 183 | Maybank Maybank Visa Infinite | — | Free | RM 8,333/mo | High-income professionals who travel frequently and want Maybank's top conventional Visa Infinite travel benefits | Details |
| 184 | Hong Leong Bank GSC - Hong Leong Platinum Visa | — | RM 300 | RM 5,000/mo | Frequent GSC cinema-goers (RM5,000+/month) who want a co-branded Platinum card with GSC movie rewards | Details |
| 185 | Hong Leong Bank Hong Leong Infinite Credit Card | — | Free | RM 8,333/mo | High earners (RM8,333+/month) who want Hong Leong's flagship Infinite card with premium travel and lifestyle benefits | Details |
| 186 | Hong Leong Bank Hong Leong Sutera Platinum Credit Card | — | RM 120 | RM 3,000/mo | Mid-income earners (RM3,000+/month) who want a Hong Leong Platinum card with basic features | Details |
| 187 | — | Free | RM 5,000/mo | Existing Maybank customers who want Amex Platinum prestige and benefits and spend primarily at Amex-accepting outlets | Details | |
| 188 | — | Free | RM 8,333/mo | Manchester United supporters in the RM8,000+ income bracket who want a premium Visa Infinite card with club-branded perks | Details | |
| 189 | Hong Leong Bank Hong Leong Infinite P Credit Card | — | Free | — | Hong Leong Priority/Private banking clients who want an exclusive Infinite P card with top-tier privileges | Details |
Our picks — ranked
Frequently asked questions
What is a good cashback rate for a Malaysian credit card?+
Most Malaysian cashback cards offer 0.2%–1% on general spend, rising to 5%–10% on specific categories such as petrol or groceries. Cards with flat-rate cashback are simpler to maximise; tiered cards pay more but require tracking eligible categories.
Do cashback credit cards in Malaysia have a monthly cap?+
Yes. Almost all Malaysian cashback cards cap monthly cashback — typically RM30–RM80 per month. Always check the cap before choosing, especially if you are a high spender.
What is the minimum income to get a credit card in Malaysia?+
Bank Negara Malaysia sets the minimum annual income for credit card eligibility at RM24,000 (RM2,000 per month). Some premium cards require RM60,000–RM120,000 per year.
Is cashback credited automatically?+
Usually yes — cashback is credited to your statement the following month. Check the card's terms for the crediting cycle and any minimum spend trigger required.
Is there an Islamic cashback credit card in Malaysia?+
Yes. Several Malaysian banks offer Shariah-compliant cashback cards under the Ujrah or Wakalah contract. These function identically to conventional cards for payments but are structured to comply with Islamic finance principles.
Rates and product details verified as of 13 April 2026. Product availability and rates are subject to change — always check with the provider before applying. All data sourced from official bank websites and Bank Negara Malaysia.