Best Credit Cards in Malaysia — July 2026
By money.com.my EditorialLast updated: 13 April 2026Top 72 from 189 products reviewed
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With over 180 credit cards on the market in Malaysia, most Malaysians are on the wrong card for their spending pattern. The difference between a mediocre card and the right one can be worth RM500–RM1,500 per year in cashback, rewards, or fee savings. This is our overall ranking across every type of card, scored by value, fees, rate, and eligibility. If you already know what you want — pure cashback, or a Shariah-compliant card — jump to the focused lists below; otherwise scroll on for the best all-rounders by spending profile.
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 | 10% cashback | 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 |
Rates are verified against each provider's official source — open any product for its verification date. Always confirm directly with the bank before applying.
Our top 10 picks
How we ranked these: cashback / rewards rate, annual fee, minimum income requirement — from 189 products reviewed.
See all 72 cards in the full comparison table above, or browse the complete catalogue →Frequently asked questions
What is the best credit card in Malaysia overall?+
The Maybank 2 Cards (Gold and Platinum) consistently rank highest for value — 5% cashback on weekends, accessible minimum income, and no annual fee waiver hassle. For petrol users, the CIMB PETRONAS Visa Platinum-i offers some of the highest petrol cashback rates in the market.
How do I choose the right credit card in Malaysia?+
Match the card to your top spending categories. If most of your spending is petrol and groceries, pick a cashback card with high rates on those categories. If you travel internationally, a card with no foreign transaction fees and lounge access earns more value. Check minimum income before applying.
What credit score do I need for a credit card in Malaysia?+
Malaysian banks use CCRIS and CTOS to assess creditworthiness. There is no published minimum score, but 12 months of clean repayment history (no late payments on existing credit) significantly improves your approval odds. First-time applicants should start with entry-level cards and build history.
Should I get a cashback or a rewards credit card?+
Pick cashback if you want a simple, predictable return on everyday spending — groceries, petrol, dining, bills — credited straight to your statement. Pick rewards or miles if you spend enough to redeem flights or hotel stays that outvalue the cash equivalent. Most households are better off with a cashback card. For cards ranked specifically by cashback rate, see our best cashback credit cards list.
Is there a credit card with no annual fee in Malaysia?+
Yes. Several banks offer fee-free cards or waive the fee if you spend a qualifying amount annually. CIMB e Credit Card has no annual fee permanently. Many other cards waive fees with RM12,000–RM20,000 annual spend.
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.