Best Credit Cards in Malaysia
You can use the table in this page to find the best cards for airmiles or cashback based on your defined criteria. (It also includes non-credit card)
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| Card Name no show | Reviews no show | Card Name [Click to read review] | MPR (Miles Per Ringgit) | ROI / RM1 Spent | Annual Fees | Salary Requirement | Airmiles Options | Foreign Transaction Fee | Lounge Access | Card Type | Qualified Spending Categories |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Standard Chartered Journey | Standard Chartered Journey | 1.00 | 4.00% | 600.00 | 96,000.00 | Enrich, Krisflyer, Asia Miles | 1.00% | 10 | Airmiles | 1 mpr for foreign currency, local dining & travel sites, 0.2 mpr for other local spend | |
| UOB PRVI Miles Elite | UOB PRVI Miles Elite | 0.83 | 3.32% | 600.00 | 100,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 8 | Airmiles | For overseas spending, half mpr for flight tickets | |
| UOB Visa Infinite | UOB Visa Infinite | 0.83 | 3.32% | 600.00 | 120,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 12 | Airmiles | For overseas spending, half mpr for local dining | |
| CIMB Travel World Elite | CIMB Travel World Elite | 0.80 | 3.20% | 1,215.00 | 250,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 12 | Airmiles | 0.8 mpr for foreign currency & airlines, LOTs of capping based on merchant category | |
| Maybank Amex Platinum Charge Card | Maybank Amex Platinum Charge Card | 0.71 | 2.84% | 3,250.00 | 190,000.00 | Enrich, Krisflyer, Asia Miles | 2.50% | 12 | Airmiles | Everything except utilities, education and insurance. | |
| Alliance Bank Visa Infinite | https://malaysianpf.com/alliance-bank-visa-infinite-credit-card-review/ | Alliance Bank Visa Infinite | 0.53 | 2.12% | 438.00 | 60,000.00 | Enrich, Airasia | 1.00% | 3 | Airmiles | 0.53 for ecommerce spend & ewallet topup capped at RM3,000/mo (separate quota), 0.33 mpr for overseas, groceries, dining |
| Alliance Bank Visa Virtual | https://malaysianpf.com/alliance-bank-visa-virtual-credit-card-review/ | Alliance Bank Visa Virtual | 0.53 | 2.12% | 0.00 | 24,000.00 | Enrich, Airasia | 1.00% | 0 | Airmiles | 0.53 for ecommerce spend & ewallet topup capped at RM3,000/mo (separate quota), 0.2 mpr for overseas, groceries, dining |
| Alliance Bank Visa Platinum | Alliance Bank Visa Platinum | 0.53 | 2.12% | 120.00 | 24,000.00 | Enrich, Airasia | 1.00% | 0 | Airmiles | 0.53 for ecommerce spend & ewallet topup capped at RM3,000/mo (separate quota), 0.2 mpr for overseas, groceries, dining | |
| TNG eWallet Visa Card (Physical) | TNG eWallet Visa Card (Physical) | 2.00% | 0.00 | 0.00 | 0.00% | 0 | Cashback | No conversion fees on top of visa network fees, 2% cashback on foreign spend, 1% cashback online foreign spend, until 31 Dec 2024 | |||
| HLB Visa Infinite | HLB Visa Infinite | 0.45 | 1.80% | 0.00 | 100,000.00 | Enrich | 1.00% | 4 | Airmiles | 0.45 mpr for foreign currency spend, 0.28 for local currency spend | |
| Singapore Airlines KrisFlyer American Express Platinum | Singapore Airlines KrisFlyer American Express Platinum | 0.40 | 1.60% | 300.00 | 60,000.00 | Krisflyer | 2.50% | 5 | Airmiles | 0.4 mpr for local spend, 0.5 mpr for online/overseas spend, 1 mpr for SQ flight tickets | |
| HSBC TravelOne | HSBC TravelOne | 0.38 | 1.52% | 300.00 | 60,000.00 | Enrich | 1.00% | 6 | Airmiles | Foreign currency spending, capped at RM2,500/mo | |
| UOB PRVI Miles | https://malaysianpf.com/uob-prvi-miles-elite-card-review/ | UOB PRVI Miles | 0.25 | 1.00% | 198.00 | 60,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 0 | Airmiles | For overseas spending, capped at RM5,000 |
| UOB World Card | UOB World Card | 0.25 | 1.00% | 600.00 | 60,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 6 | Airmiles | Overseas spending capped at RM24k/year, local spending capped at RM3k/mo | |
| Singapore Airlines KrisFlyer American Express Gold | Singapore Airlines KrisFlyer American Express Gold | 0.25 | 1.00% | 100.00 | 36,000.00 | Krisflyer | 2.50% | 0 | Airmiles | 0.25 mpr for local spend, 0.33 mpr for online/overseas spend, 1 mpr for SQ flight tickets | |
| Alliance Bank Visa Signature | Alliance Bank Visa Signature | 1.85% | 148.00 | 48,000.00 | 1.00% | 0 | Cashback | Suitable for monthly spending around RM3000 for maximum ROI, cashback based on spending tiers. | |||
| Maybank 2 Gold Cards | Maybank 2 Gold Cards | 5.00% | 0.00 | 30,000.00 | 2.50% | 0 | Cashback | RM50 cashback cap for RM1000 spending on weekend | |||
| UOB EVOL Card | UOB EVOL Card | 3.00% | 90.00 | 36,000.00 | 1.00% | 0 | Cashback | Spend exactly RM1000 for RM30 cashback up to RM2000 for RM50 cashback, capped at RM50 | |||
| AFFIN DUO Visa Cash Back | AFFIN DUO Visa Cash Back | 3.00% | 75.00 | 24,000.00 | 1.00% | 0 | Cashback | 3% max roi for spending up to RM1000 for online, auto-billing, ewallet, capped at RM50 | |||
| Standard Chartered Simply Cash | Standard Chartered Simply Cash | 2.40% | 250.00 | 96,000.00 | 1.00% | 0 | Cashback | Must spend at least RM2500 on *selected* ewallet/petrol/dining for RM60 cashback, capped at RM60 | |||
| Public Islamic Bank Platinum Visa Credit Card-i | Public Islamic Bank Platinum Visa Credit Card-i | 2.00% | 333.00 | 40,000.00 | 1.00% | 0 | Cashback | Capped at RM15 with RM750 spending on online/overseas. Can convert transaction above RM2000 to 6-month 0% instalment | |||
| GXBank Debit Card | GXBank Debit Card | 0.10% | 0.00 | 0.00 | 1.20% | 0 | Cashback | Local transaction cashback = 0.1% | Foreign transaction cashback = 1% but fees 1.2% | |||
| UOB ONE Card | https://malaysianpf.com/uob-one-card-review/ | UOB ONE Card | 8.00% | 120.00 | 24,000.00 | 1.00% | 0 | Cashback | Spend RM500 in specific categories for RM40.2 cashback 8% ROI | ||
| RHB Shell Visa Credit Card | RHB Shell Visa Credit Card | 5.00% | 195.00 | 24,000.00 | 1.00% | 0 | Cashback | Petrol cashback 5% capped at RM50 monthly, 1% cashback for online/groceries/ewallet/utilities capped at RM50 | |||
| Hong Leong Wise Gold | Hong Leong Wise Gold | 8.00% | 98.00 | 24,000.00 | 1.00% | 0 | Cashback | Spend RM500~RM750 on weekend in specific categories for cashback 8% ROI | |||
| CIMB Travel Platinum Credit Card | https://malaysianpf.com/cimb-travel-platinum-credit-card-review/ | CIMB Travel Platinum Credit Card | 0.40 | 1.60% | 0.00 | 24,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 1 | Cashback | The roi is based on overseas spending and enrich miles redemption, lounge access require rm3000 spent in a quarter |
| UOB Preferred Card | https://malaysianpf.com/uob-preferred-card-benefits-review/ | UOB Preferred Card | 0.25 | 1.00% | 198.00 | 36,000.00 | Enrich, Krisflyer, Asia Miles, Airasia | 1.00% | 0 | Airmiles | Beneficial for frequent customers of Coffee Bean and/or GSC. MPR based on dining, entertainment, groceries |
| CIMB Preferred Visa Infinite | https://malaysianpf.com/cimb-preferred-visa-infinite-credit-card-review/ | CIMB Preferred Visa Infinite | 0.64 | 2.56% | 0.00 | 0.00 | Enrich, Krisflyer, Asia Miles, Airasia, etc | 1.00% | 8 | Airmiles | Only for CIMB Preferred customer that requires RM250k AUM to maintain. MPR for overseas and dining only |
| Card Name [Click to read review] | Annual Fees | Salary Requirement | Lounge Access | Card Type |