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Products · Credit Cards

Best Credit Cards Malaysia 2026

Compare cashback, rewards, travel, and Islamic credit cards from Malaysian banks. Rates, fees, and eligibility shown upfront.

Looking for our top picks? Our editors ranked the best credit cards in Malaysia.
Best Credit Cards →Best Cashback Cards →Best Islamic Cards →
189 products · sorted by editor rating
Maybank

Maybank

Maybank 2 Platinum Cards

Major Bank
Annual Fee

Free

Free

Min Income

RM 5,000/mo

  • +Up to 5% cashback on weekend spend — petrol, dining, groceries
  • +Annual fee free
  • +Higher credit limit tier vs Gold — suited for larger monthly spend
4.5/10
Learn More
Editor's Pick
CIMB Bank

CIMB Bank

CIMB PETRONAS Visa Platinum-i Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 8% cashback at Petronas — excellent rate for a Platinum-tier Islamic card
  • +RM2,000/month income threshold — among the most accessible petrol cashback cards in Malaysia
  • +Annual fee permanently free — zero cost to hold
4.5/10
Learn More
Maybank

Maybank

Maybank 2 Gold Cards

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,500/mo

  • +Up to 5% cashback on weekends at petrol, grocery, and dining
  • +Annual fee permanently free — no swipe condition
  • +Low RM2,500/month income threshold
4.5/10
Learn More
Editor's Pick
CIMB Bank

CIMB Bank

CIMB Cash Rebate Platinum Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 5% cashback on groceries, petrol, cinema, mobile, and utilities when spending RM3,000+/month
  • +2% cashback on the same categories for spend below RM3,000/month — still competitive at lower volumes
  • +Annual fee permanently free — no swipe condition
4.3/10
Learn More
CIMB Bank

CIMB Bank

CIMB Preferred Visa Infinite

Major Bank
Annual Fee

Free

Free

  • +Visa Infinite tier — lounge access, travel insurance, and premium Visa benefits
  • +Annual fee free as part of CIMB Preferred relationship
  • +Exclusive lifestyle and banking perks bundled with Preferred Banking status
4.3/10
Learn More
Editor's Pick
RHB Bank

RHB Bank

RHB Shell Visa Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 12% cashback at Shell petrol stations — highest petrol cashback rate in Malaysia for Shell users
  • +5% cashback on groceries, utilities, overseas spend, and e-wallet top-ups — strong everyday earn rate
  • +Annual fee waived with just 24 swipes/year (2 per month — easy to achieve)
4.2/10
Learn More
RHB Bank

RHB Bank

RHB Shell Visa Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 12% cashback at Shell petrol stations — same rate as the conventional Shell Visa
  • +5% cashback on groceries, utilities, overseas spend, and e-wallet top-ups
  • +Shariah-compliant (-i) structure — fully halal for Muslim cardholders
4.2/10
Learn More
UOB Malaysia

UOB Malaysia

UOB PRVI Miles Elite Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Higher miles earning rate vs standard PRVI Miles
  • +Complimentary airport lounge access included
  • +Annual fee free with spend waiver
4.2/10
Learn More
Editor's Pick
Maybank

Maybank

Maybank Islamic myimpact Ikhwan Mastercard Platinum Credit Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 8% cashback — highest cashback rate for a Maybank Islamic card at this income tier
  • +Annual fee free with no minimum swipe requirement
  • +Shariah-compliant (Ikhwan) structure
4.2/10
Learn More
UOB Malaysia

UOB Malaysia

UOB ONE Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 10% cashback across dining, online, and groceries
  • +Free annual fee with conditions
  • +Competitive cashback rates even at lower spend tiers
4.0/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Premier Travel Credit Card

Licensed Bank
Annual Fee

Free

Free*

  • +Earns air miles on local and overseas spend
  • +Complimentary lounge access included
  • +Annual fee free for Premier clients
4.0/10
Learn More
UOB Malaysia

UOB Malaysia

UOB PRVI Miles Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Earns UNI$ miles transferable to KrisFlyer and other programmes
  • +Annual fee free with spend waiver
  • +Competitive miles earning on both local and overseas spend
4.0/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Visa Infinite Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 10,000/mo

  • +Visa Infinite tier — high credit limit and premium global benefits
  • +Annual fee free with spend waiver
  • +UOB Visa Infinite privileges including lounge access
4.0/10
Learn More
RHB Bank

RHB Bank

RHB Premier Visa Infinite

Major Bank
Annual Fee

Free

Free

Min Income

RM 12,500/mo

  • +Annual fee free for Premier Banking clients
  • +Visa Infinite tier — airport lounge access, travel insurance, and premium Visa benefits
  • +Premium lifestyle perks suited to high-net-worth banking relationship
4.0/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Zenith Card

Licensed Bank
Annual Fee

RM 1,000

Min Income

RM 16,000/mo

  • +UOB's flagship card — most exclusive benefits in the portfolio
  • +Unlimited airport lounge access worldwide
  • +Bespoke concierge service and high credit limit
4.0/10
Learn More
Maybank

Maybank

Maybank Islamic Ikhwan Mastercard Gold Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 5% cashback on qualifying spend
  • +Annual fee free — no minimum swipe condition
  • +Shariah-compliant (Ikhwan) — eligible for those who avoid riba-based cards
3.9/10
Learn More
Affin Bank

Affin Bank

AFFIN INVIKTA World Mastercard

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 10,000/mo

  • +AFFIN's top-tier World Mastercard — premium privileges
  • +Annual fee free with spend waiver
  • +Elevated benefits vs standard AFFIN World card
3.8/10
Learn More
Alliance Bank

Alliance Bank

Alliance Bank Visa Infinite

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Visa Infinite tier — highest credit limit and premium privileges
  • +Annual fee free with spend waiver
  • +Airport lounge and travel benefits at Infinite tier
3.8/10
Learn More
Editor's Pick
Maybank

Maybank

Maybank myimpact Visa Signature Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Up to 8% cashback — highest cashback rate among conventional Maybank Signature cards
  • +Annual fee free with no minimum swipe condition
  • +Visa Signature tier — higher credit limits and Visa benefits
3.8/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong Wise Credit Card

Major Bank
Annual Fee

RM 98

Min Income

RM 2,000/mo

  • +Up to 15% cashback -- highest headline rate in the market
  • +Low minimum income of RM2,000/month
  • +Good for spenders who can concentrate spend in bonus categories
3.8/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Live+ Credit Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,500/mo

  • +Up to 5% cashback on dining, groceries, and petrol
  • +Annual fee free with spend waiver
  • +One of HSBC's strongest cashback propositions
3.8/10
Learn More
Standard Chartered Malaysia

Standard Chartered Malaysia

Standard Chartered Priority Banking Visa Infinite

Licensed Bank
Annual Fee

Free

Free*

  • +Exclusively for SC Priority Banking clients — premium relationship benefits
  • +Visa Infinite tier — unlimited credit and global privileges
  • +Annual fee free for Priority clients
3.8/10
Learn More
Editor's Pick
Maybank

Maybank

Petronas Maybank Visa Gold

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,500/mo

  • +Annual fee permanently free
  • +Low RM2,500/month income requirement
  • +Petronas Mesra points on fuel spend
3.8/10
Learn More
AmBank

AmBank

Bank Islam Mastercard World Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +MasterCard World tier — global premium benefits
  • +Shariah-compliant
  • +Annual fee free with spend waiver
3.8/10
Learn More
Affin Bank

Affin Bank

AFFIN INVIKTA Visa Infinite

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 10,000/mo

  • +Visa Infinite tier — unlimited credit line potential
  • +Annual fee free with spend waiver
  • +Top-tier AFFIN benefits for high-net-worth clients
3.8/10
Learn More
AmBank

AmBank

Bank Islam Visa Infinite Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Up to 8% cashback — one of the highest cashback rates in the Islamic credit card space
  • +Shariah-compliant Visa Infinite tier
  • +Annual fee free with spend waiver
3.8/10
Learn More
AmBank

AmBank

AmBank Cash Rebate Visa Platinum Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 10% cashback on selected categories
  • +Free annual fee for life
  • +Low minimum income of RM2,000/month
3.8/10
Learn More
Editor's Pick
Maybank

Maybank

Maybank Islamic Petronas Ikhwan Visa Gold Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,500/mo

  • +Up to 8% cashback — strong rate for a Gold-tier Islamic card
  • +Petronas co-brand means elevated cashback specifically at Petronas pumps
  • +Annual fee free
3.8/10
Learn More
Public Bank

Public Bank

Public Bank Quantum MasterCard

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Up to 2% cashback on qualifying spend
  • +Annual fee free
  • +MasterCard Platinum tier with moderate credit line
3.8/10
Learn More
AmBank

AmBank

Singapore Airlines KrisFlyer American Express Platinum

Major Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Higher KrisFlyer miles earning rate vs Gold card
  • +Annual fee free with spend waiver
  • +Earns directly into KrisFlyer — seamless miles accumulation
3.8/10
Learn More
Public Bank

Public Bank

Public Bank Visa Infinite

Major Bank
Annual Fee

Free

Free

Min Income

RM 8,333/mo

  • +Up to 2% cashback on eligible spend
  • +Visa Infinite tier — unlimited credit limit and premium benefits
  • +Annual fee free
3.8/10
Learn More
UOB Malaysia

UOB Malaysia

UOB EVOL Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 10% cashback on digital/online spending — one of the best digital cashback cards
  • +Annual fee free with spend waiver
  • +Designed for mobile-first spenders (Grab, Netflix, Shopee, etc.)
3.8/10
Learn More
Public Bank

Public Bank

Public Bank World MasterCard Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 8,333/mo

  • +MasterCard World tier — high credit limit and global premium acceptance
  • +Annual fee free
  • +Premium tier benefits for high-net-worth Public Bank clients
3.8/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Amanah Premier World Mastercard Credit Card-i

Licensed Bank
Annual Fee

Free

Free

  • +Shariah-compliant (Amanah) variant of HSBC Premier World
  • +Up to 1% cashback on qualifying spend
  • +Annual fee free for Premier clients
3.8/10
Learn More
OCBC Bank

OCBC Bank

OCBC 365 MasterCard

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +Category cashback on dining, petrol, groceries, and online purchases
  • +Annual fee free with minimum spend condition
  • +No weekday/weekend restriction — earn every day
3.8/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Premier World Mastercard Credit Card

Licensed Bank
Annual Fee

Free

Free

  • +Requires HSBC Premier relationship — exclusive access
  • +Complimentary lounge access and global emergency services
  • +Annual fee free for Premier clients
3.8/10
Learn More
Standard Chartered Malaysia

Standard Chartered Malaysia

Standard Chartered Journey Credit Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,000/mo

  • +Earns Journey points redeemable for flights and hotel stays
  • +Annual fee free with spend waiver
  • +SC travel benefits and partner deals
3.8/10
Learn More
AmBank

AmBank

AmBank SIGNATURE Priority Banking Visa Infinite Credit Card

Major Bank
Annual Fee

Free

Free

  • +Exclusive to AmBank Priority Banking clients
  • +Visa Infinite tier — no pre-set credit limit and global benefits
  • +Annual fee free for Priority clients
3.8/10
Learn More
AmBank

AmBank

AmBank Visa Infinite

Major Bank
Annual Fee

Free

Free

Min Income

RM 10,000/mo

  • +Visa Infinite tier — highest credit limit and global privileges
  • +Annual fee free
  • +Premium travel benefits befitting Infinite tier
3.7/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Amanah MPower Platinum Credit Card-i

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,500/mo

  • +Up to 8% cashback on selected categories
  • +Free annual fee with conditions
  • +Shariah-compliant (Islamic banking) structure
3.7/10
Learn More
UOB Malaysia

UOB Malaysia

UOB World Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +MasterCard World tier — global premium privileges
  • +Annual fee free with spend waiver
  • +Rewards-based earning on broad spend categories
3.7/10
Learn More
AmBank

AmBank

AmBank Islamic Visa Infinite Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 10,000/mo

  • +Shariah-compliant Visa Infinite — halal banking at the premium tier
  • +Annual fee free
  • +Visa Infinite privileges without riba
3.7/10
Learn More
IC

ICBC

ICBC UnionPay Dual Currency Platinum

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Dual MYR/RMB currency support — no conversion fees within both currencies
  • +UnionPay Platinum — widely accepted in China
  • +Annual fee free with spend waiver
3.7/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC TravelOne Credit Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,500/mo

  • +Earn TravelOne points transferable to multiple airline and hotel loyalty programmes
  • +Annual fee free with spend waiver
  • +Flexible redemption across 15+ partner programmes
3.7/10
Learn More
Public Bank

Public Bank

Public Bank Petron Visa Gold

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 5% cashback at Petron petrol stations
  • +Annual fee free
  • +Low RM2,000/month income threshold — accessible to most earners
3.5/10
Learn More
CIMB Bank

CIMB Bank

CIMB Travel Platinum Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee permanently free — no cost to hold
  • +RM2,000/month income threshold — highly accessible for a travel card
  • +Earns AirAsia BIG Points — redeemable for flights and upgrades
3.5/10
Learn More
Maybank

Maybank

Maybank Islamic Petronas Ikhwan Visa Platinum Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 5,000/mo

  • +Up to 8% cashback on Petronas petrol spend
  • +Platinum tier credit limit — higher than Gold-i
  • +Annual fee free
3.5/10
Learn More
Public Bank

Public Bank

Public Bank Visa Signature

Major Bank
Annual Fee

Free

Free*

Min Income

RM 6,666/mo

  • +Up to 2% cashback on eligible spend
  • +Annual fee free with spend waiver
  • +Visa Signature tier — higher credit line and basic premium privileges
3.5/10
Learn More
Standard Chartered Malaysia

Standard Chartered Malaysia

Standard Chartered Simply Cash Credit Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,000/mo

  • +Up to 15% cashback on online and contactless spend — one of the highest rates in Malaysia
  • +Annual fee free with spend waiver
  • +Broad cashback on digital and contactless transactions
3.5/10
Learn More
UOB Malaysia

UOB Malaysia

Lazada UOB Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Co-branded for Lazada — bonus rewards on Lazada purchases
  • +Annual fee free with spend waiver
  • +Low RM2,000/month income — accessible to online shoppers
3.5/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Lady's Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +UOB Lady's benefits — shopping, beauty, and wellness rewards
  • +Annual fee free with spend waiver
  • +Designed for women's spending patterns — fashion, dining, personal care
3.5/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Lady's Solitaire Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 10,000/mo

  • +Premium Lady's Solitaire tier — highest UOB women's card benefits
  • +Annual fee free with spend waiver
  • +Exclusive shopping, beauty, and travel privileges
3.5/10
Learn More
Affin Bank

Affin Bank

AFFIN World Mastercard

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 6,666/mo

  • +MasterCard World tier — premium global acceptance
  • +Annual fee free with spend waiver
  • +AFFIN World privileges for high-income spenders
3.5/10
Learn More
Affin Bank

Affin Bank

AFFIN World Mastercard-i

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 6,666/mo

  • +Shariah-compliant World Mastercard — halal premium banking
  • +Annual fee free with spend waiver
  • +World tier benefits without riba-based structures
3.5/10
Learn More
Alliance Bank

Alliance Bank

Alliance Bank Visa Infinite Business Credit Card

Licensed Bank
Annual Fee

Free

Free

  • +Up to 1.5% cashback on business spending
  • +Annual fee free
  • +Visa Infinite tier — high credit limit suitable for business expenditure
3.5/10
Learn More
AmBank

AmBank

AmBank BonusLink Visa Signature

Major Bank
Annual Fee

Free

Free*

Min Income

RM 6,666/mo

  • +Earns BonusLink points on all eligible spend
  • +Annual fee free with spend condition
  • +Visa Signature privileges with BonusLink rewards
3.5/10
Learn More
Alliance Bank

Alliance Bank

Alliance Bank Visa Signature

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +Up to 5% cashback on eligible categories
  • +Annual fee free with minimum spend waiver
  • +Visa Signature tier — mid-premium benefits and higher credit line
3.5/10
Learn More
Maybank

Maybank

Petronas Maybank Visa Platinum

Major Bank
Annual Fee

Free

Free

Min Income

RM 5,000/mo

  • +Annual fee free
  • +Visa Platinum tier — higher credit limits
  • +Petronas Mesra points on petrol spend — redeemable for fuel and merchandise
3.5/10
Learn More
Editor's Pick
CIMB Bank

CIMB Bank

CIMB PETRONAS Visa Infinite-i Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 10,000/mo

  • +Up to 12% cashback at Petronas — highest petrol cashback rate in CIMB's Islamic card portfolio
  • +Annual fee permanently free — no swipe condition
  • +Visa Infinite tier — airport lounge access and premium Visa travel benefits
3.5/10
Learn More
AmBank

AmBank

AmBank Islamic Visa Signature Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 6,666/mo

  • +Shariah-compliant Visa Signature — elevated tier without riba
  • +Annual fee free
  • +Suitable for mid-senior Muslim professionals
3.5/10
Learn More
AmBank

AmBank

AmBank Visa Signature Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 6,666/mo

  • +Visa Signature tier — elevated credit limit and benefits
  • +Annual fee free
  • +Rewards programme on eligible spend
3.5/10
Learn More
AmBank

AmBank

Singapore Airlines KrisFlyer American Express Gold

Major Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Earns KrisFlyer miles directly — no transfer needed
  • +Annual fee free with spend waiver
  • +Low RM3,000/month income — accessible entry into miles earning
3.5/10
Learn More
RHB Bank

RHB Bank

RHB Visa Infinite

Major Bank
Annual Fee

Free

Free

Min Income

RM 12,500/mo

  • +Visa Infinite tier — airport lounge access, travel insurance, and global Visa concierge
  • +Annual fee free — no spend or swipe condition
  • +RM12,500/month income — lower threshold than some Visa Infinite cards in the market
3.5/10
Learn More
BA

Bank Rakyat

Bank Rakyat Platinum Explorer Credit Card-i

IslamicLicensed Bank
Annual Fee

Free

Free

Min Income

RM 5,000/mo

  • +Up to 5% cashback on qualifying spend
  • +Shariah-compliant Platinum-tier benefits
  • +Annual fee free — strong value for an Islamic Platinum card with cashback
3.5/10
Learn More
Affin Bank

Affin Bank

AFFIN DUO Visa Cash Back

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 3% cashback on selected categories
  • +Low minimum income of RM2,000/month
  • +Free annual fee with conditions
3.5/10
Learn More
Affin Bank

Affin Bank

AFFIN BHPetrol MasterCard

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 10% cashback at BHPetrol stations — among the highest petrol cashback rates available
  • +Annual fee free with spend waiver
  • +Low RM2,000/month income — accessible to most earners
3.5/10
Learn More
Maybank

Maybank

Maybank Islamic Ikhwan American Express Platinum Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,333/mo

  • +Up to 8% cashback on qualifying spend
  • +Annual fee free
  • +Shariah-compliant Ikhwan structure
3.5/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Visa Signature Credit Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,500/mo

  • +HSBC Visa Signature tier with travel and lifestyle benefits
  • +Annual fee free with spend waiver
  • +Accepted globally with Visa Signature privileges
3.5/10
Learn More
IC

ICBC

ICBC UnionPay Dual Currency Gold

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +Dual MYR/RMB currency card — ideal for China-related spending
  • +Annual fee free with spend waiver
  • +Gold tier — suitable for moderate China travel and transactions
3.5/10
Learn More
OCBC Bank

OCBC Bank

OCBC 90⁰N Visa Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Earns air miles on local and overseas spend
  • +Annual fee free with minimum spend condition
  • +Visa network — accepted globally
3.5/10
Learn More
OCBC Bank

OCBC Bank

OCBC World MasterCard

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +World MasterCard tier — higher credit limit and global acceptance
  • +Up to 1% cashback with privileges
  • +Travel and lifestyle benefits befitting premium tier
3.5/10
Learn More
CIMB Bank

CIMB Bank

CIMB Travel World Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Mastercard World tier — lounge access and premium Mastercard travel benefits
  • +Travel insurance included on eligible bookings
  • +Annual fee conditionally waived — potentially zero cost at target spend
3.5/10
Learn More
AEON Bank

AEON Bank

AEON Member Plus (AMP) Mastercard Platinum Credit Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Up to 10% cashback at AEON stores
  • +Annual fee free with spend waiver
  • +Mastercard Platinum — broader acceptance than co-branded-only cards
3.4/10
Learn More
AEON Bank

AEON Bank

AEON Member Plus (AMP) Visa Platinum Credit Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Up to 10% cashback at AEON stores
  • +Annual fee free with spend waiver
  • +Platinum tier — higher credit line for AEON big-ticket purchases
3.4/10
Learn More
AmBank

AmBank

Bank Islam Mastercard Platinum Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Shariah-compliant Platinum card
  • +Annual fee free with spend waiver
  • +Bank Islam — dedicated Islamic bank with full Shariah board oversight
3.3/10
Learn More
Public Bank

Public Bank

Public Bank Platinum MasterCard

Major Bank
Annual Fee

Free

Free*

Min Income

RM 4,166/mo

  • +Annual fee free with spend waiver
  • +MasterCard Platinum tier — higher credit limit than Gold
  • +RM4,166/month income requirement
3.3/10
Learn More
AmBank

AmBank

Bank Islam Visa Infinite Business Credit Card-i

Major Bank
Annual Fee

Free

Free

  • +Up to 8% cashback on business spend
  • +Shariah-compliant business card — halal corporate banking
  • +Annual fee free
3.3/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Visa Cash Back Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Up to 5% cashback on eligible spend
  • +Annual fee free
  • +BSN's top cashback offering — best earning card in the BSN portfolio
3.3/10
Learn More
Affin Bank

Affin Bank

AFFIN Visa Business Platinum

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 10,000/mo

  • +Up to 1% cashback on business spend
  • +Annual fee free with spend waiver
  • +Visa Business Platinum — suited for SME expense management
3.3/10
Learn More
Public Bank

Public Bank

Public Islamic Bank Visa Platinum Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 3,333/mo

  • +Up to 2% cashback on qualifying spend
  • +Shariah-compliant Visa card
  • +Annual fee free with spend waiver
3.3/10
Learn More
Affin Bank

Affin Bank

AFFIN Visa Business Platinum-i

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 10,000/mo

  • +Up to 1% cashback on business spending
  • +Shariah-compliant business card — halal corporate banking
  • +Annual fee free with spend waiver
3.3/10
Learn More
OCBC Bank

OCBC Bank

OCBC Premier Voyage MasterCard

Licensed Bank
Annual Fee

Free

Free*

  • +Earns air miles on local and overseas spend
  • +Complimentary airport lounge access
  • +Priority service for Premier banking clients
3.3/10
Learn More
BA

Bank Rakyat

Bank Rakyat Platinum Credit Card-i

IslamicLicensed Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +Shariah-compliant Platinum card
  • +Annual fee free with spend waiver
  • +Bank Rakyat cooperative benefits for eligible members
3.3/10
Learn More
Public Bank

Public Bank

Public Bank Visa Platinum

Major Bank
Annual Fee

Free

Free*

Min Income

RM 4,166/mo

  • +Annual fee free with minimum spend
  • +Visa Platinum status
  • +Up to 0.2% cashback — modest but universal
3.3/10
Learn More
AmBank

AmBank

Bank Islam Visa Platinum Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 5% cashback on eligible spend
  • +Shariah-compliant Visa Platinum
  • +Annual fee free — strong value for an Islamic Platinum with cashback
3.3/10
Learn More
Public Bank

Public Bank

Mutual Gold Public Bank Visa Platinum

Major Bank
Annual Fee

Free

Free

  • +Annual fee free
  • +Visa Platinum tier for co-operative members
  • +Accessible for Mutual Gold members
3.3/10
Learn More
Affin Bank

Affin Bank

AFFIN DUO Mastercard Rewards

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with spend waiver
  • +Rewards points earning on eligible spend
  • +DUO network — dual-card benefits
3.3/10
Learn More
HSBC Malaysia

HSBC Malaysia

HSBC Platinum Credit Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,500/mo

  • +Annual fee free with spend waiver
  • +Visa Platinum tier
  • +HSBC banking relationship benefits
3.3/10
Learn More
AmBank

AmBank

AmBank Islamic Visa Platinum CARz Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 5% cashback on petrol spending (CARz card)
  • +Shariah-compliant — halal banking
  • +Annual fee free with low RM2,000/month income requirement
3.3/10
Learn More
AmBank

AmBank

AmBank Islamic Visa Platinum Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Shariah-compliant Visa Platinum — eligible for those avoiding conventional riba-based cards
  • +Annual fee free
  • +Low RM2,000/month income threshold
3.3/10
Learn More
IC

ICBC

ICBC UnionPay Dual Currency Classic

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Lowest income threshold (RM2,000/month) for an ICBC dual-currency card
  • +MYR/RMB dual currency support
  • +Annual fee free with spend waiver
3.3/10
Learn More
Public Bank

Public Bank

Public Islamic Bank Platinum MasterCard Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 3,333/mo

  • +Up to 2% cashback on qualifying spend
  • +Shariah-compliant — suitable for cardholders avoiding riba
  • +Annual fee free with spend waiver
3.3/10
Learn More
AmBank

AmBank

AmBank BonusLink Visa Platinum

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with spend condition
  • +Earns BonusLink points on everyday spend
  • +Low RM2,000/month income — accessible
3.3/10
Learn More
Alliance Bank

Alliance Bank

Alliance Bank Visa Platinum

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free — no swipe condition
  • +RM2,000/month income threshold — accessible to fresh graduates
  • +Visa Platinum status with higher credit line
3.3/10
Learn More
Standard Chartered Malaysia

Standard Chartered Malaysia

Standard Chartered Visa Platinum

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,000/mo

  • +Annual fee free with spend waiver
  • +Visa Platinum tier
  • +SC banking relationship privileges
3.3/10
Learn More
AEON Bank

AEON Bank

AEON BiG Visa Gold

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 5% cashback at AEON BiG
  • +Annual fee free with spend waiver
  • +Gold tier for BiG store regulars
3.2/10
Learn More
AmBank

AmBank

AmBank UnionPay Platinum Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +UnionPay network — widely accepted in China and across Southeast Asia
  • +Annual fee free with spend waiver
  • +Dual-network card — useful for cross-border transactions
3.2/10
Learn More
IC

ICBC

ICBC Visa Platinum

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Annual fee free with spend waiver
  • +Visa Platinum tier — higher credit limit
  • +Suitable for ICBC banking relationship holders
3.2/10
Learn More
OCBC Bank

OCBC Bank

OCBC Titanium MasterCard Pink

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +Earns OCBC$ reward points on retail and online purchases
  • +Annual fee free with minimum spend
  • +Accepted at major shopping malls and online platforms
3.2/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Preferred Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Annual fee free with spend waiver
  • +UOB Preferred rewards on eligible spend
  • +RM3,000/month income — accessible to mid-career earners
3.2/10
Learn More
AEON Bank

AEON Bank

AEON Member Plus (AMP) Mastercard Gold Credit Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 8% cashback at AEON stores
  • +Annual fee free with spend waiver
  • +Gold tier — lower income threshold vs Platinum
3.2/10
Learn More
Public Bank

Public Bank

Public Bank Quantum Visa

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Permanently free annual fee
  • +Backed by Public Bank -- Malaysia's largest bank by market cap
  • +Simple cashback on everyday spending
3.2/10
Learn More
OCBC Bank

OCBC Bank

OCBC Titanium MasterCard Blue

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +Earns OCBC$ reward points on retail and online purchases
  • +Annual fee free with minimum spend
  • +Mastercard acceptance at major merchants
3.2/10
Learn More
AEON Bank

AEON Bank

AEON Member Plus (AMP) Visa Gold Credit Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 8% cashback at AEON
  • +Annual fee free with spend waiver
  • +Accessible Gold tier for mid-income AEON loyalists
3.2/10
Learn More
RHB Bank

RHB Bank

MyEG-RHB Credit Card

Major Bank
Annual Fee

RM 88

Min Income

RM 2,000/mo

  • +MyEG co-brand — potential rewards or discounts on MyEG government services
  • +Low RM2,000/month income threshold
  • +Visa acceptance for general spending beyond MyEG
3.0/10
Learn More
AEON Bank

AEON Bank

AEON Biker Infinite Visa Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 7,500/mo

  • +Up to 8% cashback on biker-related and petrol spend
  • +Annual fee free with spend waiver
  • +Visa Infinite tier for serious riders — higher credit line
3.0/10
Learn More
AEON Bank

AEON Bank

AEON Member Plus (AMP) Mastercard Classic Credit Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 5% cashback at AEON stores
  • +Annual fee free with spend waiver
  • +Mastercard Classic — accessible entry point
3.0/10
Learn More
AEON Bank

AEON Bank

AEON Member Plus (AMP) Visa Classic Credit Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 5% cashback at AEON
  • +Annual fee free with spend waiver
  • +Lowest income requirement in AEON Visa range
3.0/10
Learn More
RHB Bank

RHB Bank

RHB Rewards MasterCard Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Reward points transferable to airline and hotel loyalty programmes — useful for travel aspirants
  • +RM2,000/month income threshold — accessible
  • +Annual fee conditionally waived
3.0/10
Learn More
Affin Bank

Affin Bank

AFFIN Platinum Mastercard-i

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 2,500/mo

  • +Shariah-compliant — suitable for earners who avoid riba-based products
  • +Annual fee free
  • +RM2,500/month income — accessible for junior professionals
3.0/10
Learn More
Maybank

Maybank

Maybank Visa Signature

Major Bank
Annual Fee

Free

Free*

Min Income

RM 5,833/mo

  • +Up to 5% cashback on weekend spend
  • +Visa Signature tier — access to Visa benefits and higher credit limits
  • +Annual fee waived (conditional on spend or swipes — confirm with bank)
3.0/10
Learn More
AmBank

AmBank

AmBank Visa Platinum Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee free
  • +RM2,000/month income — accessible to fresh graduates
  • +Visa Platinum tier with higher credit line than Gold
3.0/10
Learn More
AmBank

AmBank

Bank Islam Mastercard Gold Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Shariah-compliant Gold card — entry-level Islamic banking
  • +Annual fee free with spend waiver
  • +Low income requirement — accessible to young Muslims
3.0/10
Learn More
AmBank

AmBank

Bank Islam Visa Gold Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 3% cashback — above-average for an entry Islamic card
  • +Annual fee free with spend waiver
  • +Low RM2,000/month income — accessible for young Muslim professionals
3.0/10
Learn More
Public Bank

Public Bank

Public Bank Visa Commercial

Major Bank
Annual Fee

Free

Free*

  • +Annual fee free
  • +Visa network for wide commercial acceptance
  • +Suitable for corporate account holders
3.0/10
Learn More
BA

Bank Rakyat

Bank Rakyat Gold Credit Card-i

IslamicLicensed Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Shariah-compliant Gold card — halal banking
  • +Annual fee free
  • +Bank Rakyat cooperative bank — attractive for civil servants and GLC employees
3.0/10
Learn More
BA

Bank Rakyat

Bank Rakyat Muslimah Credit Card-i

IslamicLicensed Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Designed specifically for Muslim women — Shariah-compliant
  • +Annual fee free
  • +Low RM2,000/month income — accessible
3.0/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Al-Aiman Platinum Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Shariah-compliant Platinum card — halal banking
  • +Annual fee free
  • +BSN — widely accessible via postal/rural branches nationwide
3.0/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Platinum Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Annual fee free
  • +Platinum tier for higher credit line
  • +BSN widely available through government banking channels
3.0/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN-AIAFAM Visa Platinum Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,666/mo

  • +Up to 0.8% cashback on qualifying spend
  • +Annual fee free
  • +AIA FAM co-brand — potential insurance loyalty benefits
3.0/10
Learn More
IC

ICBC

ICBC Visa Gold

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +Annual fee free with spend waiver
  • +Visa Gold tier
  • +Higher credit line than Classic tier
3.0/10
Learn More
OCBC Bank

OCBC Bank

OCBC Cashflo MasterCard

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 4,000/mo

  • +0% instalment plan conversion on eligible purchases
  • +Annual fee free
  • +Mastercard acceptance at major retailers
3.0/10
Learn More
OCBC Bank

OCBC Bank

OCBC Great Eastern Platinum MasterCard

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Up to 2.5% cashback on qualifying spend
  • +Annual fee free
  • +Dual benefit if you already hold Great Eastern insurance
3.0/10
Learn More
Public Bank

Public Bank

Public Bank AIA Visa Gold

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee free
  • +AIA co-brand — potential insurance loyalty perks
  • +Low RM2,000/month income threshold
3.0/10
Learn More
Public Bank

Public Bank

Public Bank Gold MasterCard

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with minimum spend
  • +RM2,000/month income — accessible
  • +MasterCard Gold acceptance
3.0/10
Learn More
Public Bank

Public Bank

Public Bank Visa Business

Major Bank
Annual Fee

Free

Free*

  • +Up to 0.8% cashback on business spend
  • +Annual fee free
  • +Visa acceptance for business transactions locally and abroad
3.0/10
Learn More
Public Bank

Public Bank

Public Bank Visa Gold

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with minimum spend
  • +RM2,000/month income — widely accessible
  • +Visa Gold acceptance locally and internationally
3.0/10
Learn More
Public Bank

Public Bank

Public Islamic Bank Gold MasterCard Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 1% cashback on qualifying spend
  • +Shariah-compliant card — halal spending
  • +Annual fee free with minimum spend waiver
3.0/10
Learn More
Editor's Pick
RHB Bank

RHB Bank

RHB Cash Back Visa Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 10% cashback on petrol, groceries, and dining — same rate as the Mastercard variant
  • +RM2,000/month income threshold — highly accessible
  • +Annual fee conditionally waived
3.0/10
Learn More
Public Bank

Public Bank

Public Islamic Bank Visa Gold Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 1% cashback on qualifying spend
  • +Shariah-compliant Visa Gold
  • +Low income requirement — accessible to junior earners
3.0/10
Learn More
AEON Bank

AEON Bank

AEON BiG Visa Classic

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 5% cashback at AEON BiG
  • +Annual fee free with spend waiver
  • +Low RM2,000/month income — very accessible
3.0/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Platinum Business Card

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 3,000/mo

  • +Up to 1.2% cashback on business expenditure
  • +Annual fee free with spend waiver
  • +Platinum-tier business card for SMEs and sole proprietors
3.0/10
Learn More
UOB Malaysia

UOB Malaysia

UOB Simple Card

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Up to 10% cashback on online and contactless spend
  • +Annual fee free with spend waiver
  • +RM2,000/month income — accessible entry point for high cashback
3.0/10
Learn More
Maybank

Maybank

Maybank Islamic Ikhwan MasterCard Platinum Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,333/mo

  • +Up to 5% cashback on qualifying weekend spend
  • +Annual fee free
  • +Shariah-compliant Ikhwan contract
3.0/10
Learn More
RHB Bank

RHB Bank

RHB Rewards Visa Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Visa network — broader merchant acceptance than Mastercard in some regions
  • +Reward points on all spend — transferable to airline and hotel programmes
  • +RM2,000/month income threshold — accessible
3.0/10
Learn More
CIMB Bank

CIMB Bank

CIMB e Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +0% easy payment plan on eligible online merchants — spreads large purchases interest-free
  • +RM2,000/month income threshold — accessible
  • +Targeted e-commerce rewards for digital-first spenders
3.0/10
Learn More
RHB Bank

RHB Bank

RHB Islamic Rewards Visa Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Shariah-compliant (-i) structure — suitable for cardholders who want a halal Visa option
  • +RM2,000/month income threshold — accessible
  • +Visa network — broad acceptance locally and internationally
3.0/10
Learn More
Editor's Pick
CIMB Bank

CIMB Bank

CIMB Travel World Elite Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 20,833/mo

  • +Mastercard World Elite — unlimited lounge access via LoungeKey, global concierge service
  • +Comprehensive travel insurance including medical evacuation coverage
  • +Annual fee conditionally waived — potentially zero cost at this spend level
3.0/10
Learn More
CIMB Bank

CIMB Bank

CIMB Visa Infinite

Major Bank
Annual Fee

Free

Free

Min Income

RM 5,000/mo

  • +Visa Infinite tier — airport lounge access, travel insurance, and Visa premium benefits
  • +Annual fee permanently free — no swipe condition
  • +RM5,000/month income — more accessible than most Visa Infinite cards on the market
3.0/10
Learn More
CIMB Bank

CIMB Bank

CIMB World MasterCard

Major Bank
Annual Fee

Free

Free

Min Income

RM 7,500/mo

  • +Mastercard World tier — lounge access via Lounge Key, travel insurance, and Mastercard World benefits
  • +Annual fee permanently free — zero holding cost
  • +RM7,500/month income — more accessible than World Elite's RM20,833 threshold
3.0/10
Learn More
Editor's Pick
RHB Bank

RHB Bank

RHB Cash Back MasterCard Credit Card

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 10% cashback on petrol, groceries, and dining — among the highest rates at this income tier
  • +RM2,000/month income threshold — accessible to fresh graduates and junior earners
  • +Annual fee conditionally waived — potentially zero cost
3.0/10
Learn More
Editor's Pick
RHB Bank

RHB Bank

RHB Islamic Cash Back Credit Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 10% cashback on petrol, groceries, and dining — market-leading rate for an Islamic card at this income tier
  • +Shariah-compliant (-i) structure — fully halal for cardholders who avoid riba-based products
  • +RM2,000/month income threshold — one of the most accessible Islamic cashback cards in Malaysia
3.0/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Gold Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Annual fee free
  • +Gold tier for moderate credit line
  • +BSN accessible banking for government sector workers
2.8/10
Learn More
Affin Bank

Affin Bank

AFFIN MasterCard Gold

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with spend waiver
  • +MasterCard Gold acceptance
  • +Accessible RM2,000/month income requirement
2.8/10
Learn More
IC

ICBC

ICBC Visa Classic

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with spend waiver
  • +Visa network — globally accepted
  • +RM2,000/month income — accessible entry level
2.8/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Al-Aiman Gold Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Shariah-compliant Gold card
  • +Annual fee free
  • +BSN wide branch coverage — useful for government employees and rural users
2.8/10
Learn More
Affin Bank

Affin Bank

AFFIN Visa Gold

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Annual fee free with spend waiver
  • +Visa Gold acceptance
  • +Low RM2,000/month income threshold
2.8/10
Learn More
AEON Bank

AEON Bank

AEON Biker Gold Visa Card

Digital Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Up to 5% cashback on petrol and biker-related spending
  • +Annual fee free with spend waiver
  • +Low RM2,000/month income — accessible for entry-level riders
2.8/10
Learn More
Alliance Bank

Alliance Bank

Alliance Bank Visa Virtual Credit Card

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Virtual card format — no physical card exposure for online transactions
  • +Annual fee free
  • +RM2,000/month income — accessible entry point
2.8/10
Learn More
Standard Chartered Malaysia

Standard Chartered Malaysia

Standard Chartered Platinum MasterCard Basic

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 8,000/mo

  • +Annual fee free
  • +MasterCard Platinum tier
  • +Standard Chartered banking relationship
2.8/10
Learn More
Affin Bank

Affin Bank

AFFIN Mastercard Gold-i

Licensed Bank
Annual Fee

Free

Free*

Min Income

RM 2,000/mo

  • +Shariah-compliant MasterCard Gold
  • +Annual fee free with spend waiver
  • +Low income requirement
2.8/10
Learn More
Maybank

Maybank

Maybank Shopee Visa Platinum

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee free with no swipe requirement
  • +Low RM2,000/month income threshold
  • +Visa network — widely accepted online and offline
2.5/10
Learn More
Maybank

Maybank

Maybank American Express Cash Back Gold

Major Bank
Annual Fee

Free

Free*

Min Income

RM 2,500/mo

  • +Annual fee waived (conditional)
  • +American Express perks at accepting merchants
  • +RM2,500/month income — accessible for an Amex card
2.5/10
Learn More
Alliance Bank

Alliance Bank

Alliance Bank Visa Basic

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee free
  • +RM2,000/month income — one of the most accessible entry points
  • +Visa acceptance at millions of merchants locally and globally
2.5/10
Learn More
CIMB Bank

CIMB Bank

CIMB Platinum BusinessCard

Major Bank
Annual Fee

Free

Free

  • +Up to 1.25% cashback on all spend — flat rate, no category restrictions
  • +Annual fee free — no swipe condition for business cardholders
  • +Suitable for expense tracking and separating personal and business spend
2.5/10
Learn More
Maybank

Maybank

Maybank Grab Mastercard Platinum

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +No annual fee — permanently free
  • +Low RM2,000/month income threshold
  • +Earns GrabRewards points redeemable across the Grab ecosystem
2.5/10
Learn More
CIMB Bank

CIMB Bank

CIMB Platinum Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee permanently free
  • +RM2,000/month income threshold — very accessible
  • +CIMB Points earned on all spend — redeemable through CIMB rewards catalogue
2.5/10
Learn More
CIMB Bank

CIMB Bank

CIMB Platinum-i Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee permanently free
  • +RM2,000/month income threshold — highly accessible
  • +Shariah-compliant (-i) structure — suitable for Muslim cardholders who avoid riba-based cards
2.5/10
Learn More
Editor's Pick
RHB Bank

RHB Bank

RHB Visa Signature

Major Bank
Annual Fee

Free

Free

Min Income

RM 6,666/mo

  • +Up to 6% cashback — strong rate for a Visa Signature card
  • +Annual fee permanently free — no spend condition required
  • +Visa Signature tier — higher credit limits and Visa premium benefits
2.5/10
Learn More
Editor's Pick
RHB Bank

RHB Bank

RHB World MasterCard Credit Card-i

Major Bank
Annual Fee

Free

Free

Min Income

RM 6,666/mo

  • +Up to 6% cashback — highest cashback rate available in RHB's Islamic credit card lineup at this income tier
  • +Shariah-compliant (-i) structure — fully halal for Muslim cardholders
  • +Mastercard World tier — lounge access via Mastercard Travel Pass and travel insurance
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN-Teachers Gold Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Designed for teachers — potential profession-specific benefits and promotions
  • +Annual fee free
  • +Low RM2,000/month income — accessible to junior teachers
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN-UUM Al-Aiman Mastercard Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Shariah-compliant Islamic card — halal spending
  • +Annual fee free
  • +UUM co-brand — potential alumni community perks
2.5/10
Learn More
RHB Bank

RHB Bank

RHB Corporate Credit Card

Major Bank
Annual Fee

RM 150

  • +Designed for corporate expense management — suited for business accounts
  • +Up to 1% cashback on corporate spend
  • +Mastercard network for wide business merchant acceptance
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN G-Card Al-Aiman Visa Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Shariah-compliant G-Card for civil servants
  • +Annual fee free
  • +BSN — the national savings bank, ideal for government employees
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN-Teachers Al-Aiman Gold Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Shariah-compliant Islamic card for teachers
  • +Annual fee free
  • +BSN teacher co-brand — potential profession perks
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Classic Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee free
  • +RM2,000/month income — most accessible BSN card
  • +Visa acceptance at millions of merchants
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN Al-Aiman Classic Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Shariah-compliant classic card
  • +Annual fee free
  • +Lowest income threshold in BSN's Islamic card range
2.5/10
Learn More
CIMB Bank

CIMB Bank

CIMB Visa Signature

Major Bank
Annual Fee

Free

Free

Min Income

RM 3,000/mo

  • +Annual fee permanently free
  • +RM3,000/month income — accessible for Visa Signature tier
  • +Visa Signature benefits — higher credit limits and Visa lifestyle privileges
2.5/10
Learn More
BS

BSN (Bank Simpanan Nasional)

BSN G-Card Visa Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +BSN G-Card — aligned with civil servant salary deduction system
  • +Annual fee free
  • +Visa acceptance locally and internationally
2.5/10
Learn More
Affin Bank

Affin Bank

AFFIN Mastercard Basic-i

Licensed Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Shariah-compliant basic card — halal banking
  • +Annual fee free
  • +Low RM2,000/month income — most accessible AFFIN Islamic card
2.5/10
Learn More
AEON Bank

AEON Bank

AEON The Japan Club of Kuala Lumpur Visa

Digital Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Up to 8% cashback on qualifying spend
  • +Japan Club of KL co-brand — special benefits for members
  • +Annual fee free with spend waiver
2.5/10
Learn More
RHB Bank

RHB Bank

RHB World MasterCard Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 6,666/mo

  • +Up to 6% cashback on qualifying spend
  • +Mastercard World tier — lounge access via Mastercard Travel Pass, travel insurance, and global Mastercard benefits
  • +Annual fee free
2.5/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong I'm Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,000/mo

  • +Annual fee free
  • +RM2,000/month income — accessible
  • +Simple card for basic everyday transactions
2.5/10
Learn More
Maybank

Maybank

Maybank Manchester United Visa Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 2,500/mo

  • +Annual fee permanently free — no swipe condition
  • +Low RM2,500/month income threshold
  • +Visa network — widely accepted
2.0/10
Learn More
Hong Leong Bank

Hong Leong Bank

GSC - Hong Leong Gold Visa

Major Bank
Annual Fee

RM 150

Min Income

RM 2,000/mo

  • +GSC movie rewards on cinema spending
  • +Visa Gold tier — accessible for young earners
  • +Lower income requirement than Platinum version
2.0/10
Learn More
Maybank

Maybank

Maybank FC Barcelona Visa Signature

Major Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Annual fee permanently free — no swipe condition
  • +Visa Signature tier — higher credit limit and Visa benefits
  • +Unique FC Barcelona branding and lifestyle perks for fans
2.0/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong Essential Credit Card

Major Bank
Annual Fee

RM 100

Min Income

RM 2,000/mo

  • +Up to 1% cashback on qualifying spend
  • +RM2,000/month income — accessible entry point
  • +Basic card for first-time credit card users
2.0/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong Visa Infinite Doctor's Edition

Major Bank
Annual Fee

Free

Free

Min Income

RM 4,000/mo

  • +Designed for doctors — lifestyle and professional spending benefits
  • +Annual fee free
  • +Visa Infinite-tier privileges with medical professional positioning
2.0/10
Learn More
Maybank

Maybank

Maybank World Elite MasterCard

Major Bank
Annual Fee

Free

Free*

Min Income

RM 15,833/mo

  • +Mastercard World Elite — unlimited lounge access, travel insurance, global concierge, Mastercard luxury benefits
  • +Annual fee conditionally waived at the required spend level
  • +Highest credit limit in Maybank's conventional Mastercard lineup
1.5/10
Learn More
Maybank

Maybank

Maybank Islamic World Elite Mastercard Ikhwan

Major Bank
Annual Fee

Free

Free*

Min Income

RM 15,833/mo

  • +World Elite Mastercard tier — unlimited lounge access, concierge, and global Mastercard benefits
  • +Shariah-compliant Ikhwan contract — fully halal card for top earners
  • +Annual fee conditionally waived at this spend tier
1.5/10
Learn More
Maybank

Maybank

Maybank 2 Cards Premier

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Dual-card setup — Amex for premium merchant perks + Mastercard for broader acceptance
  • +Premier tier — higher credit limits and lifestyle benefits
  • +Annual fee conditionally waived
1.5/10
Learn More
Maybank

Maybank

Maybank Islamic Ikhwan Visa Infinite Card-i

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Visa Infinite tier — airport lounge access, travel insurance, global Visa concierge
  • +Shariah-compliant Ikhwan contract — halal-structured premium card
  • +Annual fee conditionally waived
1.5/10
Learn More
Maybank

Maybank

Maybank Visa Infinite

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Visa Infinite — airport lounge access, travel insurance, global concierge
  • +Annual fee conditionally waived — potentially zero cost at target spend level
  • +Highest Visa tier available from Maybank for conventional cardholders
1.5/10
Learn More
Hong Leong Bank

Hong Leong Bank

GSC - Hong Leong Platinum Visa

Major Bank
Annual Fee

RM 300

Min Income

RM 5,000/mo

  • +GSC movie rewards — complimentary tickets or discounts for regular cinema-goers
  • +Visa Platinum tier — higher credit line
  • +Cinema lifestyle focus — suits entertainment-heavy spenders
1.5/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong Infinite Credit Card

Major Bank
Annual Fee

Free

Free

Min Income

RM 8,333/mo

  • +Visa Infinite tier — highest credit limit and global benefits
  • +Annual fee free
  • +Premium HLB benefits including lounge access
1.5/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong Sutera Platinum Credit Card

Major Bank
Annual Fee

RM 120

Min Income

RM 3,000/mo

  • +Visa Platinum tier
  • +RM3,000/month income requirement — mid-accessibility
  • +Basic platinum benefits
1.5/10
Learn More
Maybank

Maybank

Maybank American Express Platinum

Major Bank
Annual Fee

Free

Free*

Min Income

RM 5,000/mo

  • +American Express Platinum tier — premium travel and lifestyle benefits
  • +Annual fee conditionally waived at target spend level
  • +RM5,000/month income — more accessible than Visa Infinite at similar tier
1.5/10
Learn More
Maybank

Maybank

Maybank Manchester United Visa Infinite

Major Bank
Annual Fee

Free

Free*

Min Income

RM 8,333/mo

  • +Visa Infinite tier — airport lounge access, travel insurance, and Visa premium benefits
  • +Annual fee conditionally waived
  • +Exclusive Manchester United branding and potential fan perks
1.0/10
Learn More
Hong Leong Bank

Hong Leong Bank

Hong Leong Infinite P Credit Card

Major Bank
Annual Fee

Free

Free

  • +Exclusively for HLB priority banking clients — highest tier benefits
  • +Annual fee free for eligible clients
  • +Visa Infinite-tier access and global privileges
1.0/10
Learn More