2025 Best Credit Cards in Malaysia Comparison

Getting the best credit card for your specific needs can help you earn rewards, cut the costs of overseas spending, or manage your money more efficiently. Whether you’re looking for your first credit card, searching for a card which has better rates or perks, or on the hunt for the best cashback credit card in Malaysia today, we’ve got you covered.

This best credit card in Malaysia guide walks through the best options for 2025. We'll also introduce the Wise account and debit card, which can be a perfect partner for your travel spending, allowing you to reduce your overall costs and avoid interest fees or penalties.

Table of contents

Best credit cards in Malaysia 2025 6 things to consider when you compare credit cards in Malaysia 1. CIMB e Credit Card 2. Public Bank Visa Platinum Credit Card-i 3. UOB Simple Credit Card 4. Ambank Islamic Visa Infinite 5. RHB Shell Visa Credit Card 6. Maybank Visa Classic 7. UOB EVOL Credit Card 8. Maybank Grab Credit Card 9. UOB One Credit Card Get the Wise card for seamless foreign currency spending

Best credit cards Malaysia 2025

Here’s an overview of the cards we’ve picked out as some of the best available right now. We start with a credit card comparison for Malaysia side by side, and then we’ll cover each in more detail below.

Best credit cards in Malaysia 2025

Here’s an overview of the cards we’ve picked out as some of the best available right now. We’ll cover each in more detail below.

Credit card	Minimum income	Annual fee	Rewards/ Cashback/ Miles	Foreign transaction fee	Other features
CIMB eCredit Card¹	MYR2,000/month	MYR100	3x rewards for online spend Up to 12x rewards on monthly eDay	1% + Visa or Mastercard fee²	Spend rewards with Shopee, Zalora, Grab and more
Public Bank Visa Platinum Credit Card-i³	MYR3,333.33/month	MYR333	2% cashback on online and overseas transactions	1.25%⁴	Shariah compliant card
UOB Simple Credit Card⁵	MYR2,000/month	Free	Some cashback opportunities on purchases and cash advances	1%⁶	No annual fee
Ambank/Ambank Islamic Visa Infinite⁷	MYR10,000/month	Free	Huge range of rewards, cashback, insurance and more	1% Ambank fee⁸	Shariah compliant also available
RHB Shell Visa Credit Card⁹	MYR2,000/month	MYR195	Variable cash back rewards based on spend volume and type	1%¹⁰	12% cash back on fuel at Shell, up to 5% on other spend
Maybank Visa Classic Credit Card¹¹	MYR2,500/month	MYR60	Earn TreatsPoints and get insurance when you purchase travel tickets	1.25% network fee + 1% Maybank fee¹²	Ideal for people building credit
UOB EVOL Credit Card¹³	MYR3,000/month	MYR7.50/month	5% - 8% cash back on select retailers	1%⁶	Broad range of retail, dining and lifestyle benefits available
Maybank Grab Credit Card¹⁴	MYR 2,000/month	Free¹⁵	Earn extra Grab rewards points, based on spending category	2.25%	Card is free for life
UOB One Card	MYR 2,000/month	MYR120	Up to 10% cash rebate on spending	1%	Access to partner promotions and travel offers

*Details correct at time of research - 22nd May 2025

6 things to consider when you compare credit cards in Malaysia

Doing your homework is essential to make sure you get the best credit card in Malaysia for your personal needs. However, the choice can feel overwhelming.

Here are some key considerations to help you understand and assess the card options we’ve looked at in our comparison of the best credit card Malaysia, and find the right one for you.

Minimum income

You’ll usually find that credit card issuers use your income as one factor for gauging how much credit they can extend to you - and there will be minimum levels you’ll have to hit to qualify for a card. The good news is that these minimums vary - we’ve featured cards with everything from a MYR2,000/month minimum income right through to one with a whopping MYR10,000/month minimum, to illustrate the differences.

Annual fee

The annual card fee applied to your card is an important factor when deciding which option is right for you. You may find that card companies waive the fee for a fixed period, or if you meet specific criteria.

Credit card interest rates

Depending on how you use your credit card, you may need to pay interest on the outstanding balance. Credit card interest rates can vary significantly and you may pay a different rate for spending on the card compared to cash withdrawals.

Rewards/cashback/miles

Using a credit card cleverly can mean you earn a selection of rewards. These may be cash back, points or miles for example. If your card earns miles or points you’ll be able to trade your accumulated rewards for treats, flight tickets or vouchers. Just make sure you choose a card from our credit card comparison for Malaysia which offers rewards you’ll value and use, to make the best possible use of your money.

One important thing to watch - some cards offer higher rates of rewards when you spend overseas. But there might be a catch - foreign transaction fees applied by the card issuer and network can push up the costs when you spend in a foreign currency when you travel. This might mean the costs still outweigh the benefits. Look carefully at the options - and compare your picks against the Wise account and debit card which has no foreign transaction fee and ways to spend and withdraw conveniently overseas.

Insurance

One common credit card perk is free insurance such as travel, online purchase or medical insurance. Read the small print closely here as different card providers have different terms. For example some will only offer travel cover if you’d paid for your flights and hotels using your card, while others extend this benefit automatically.

Foreign transaction fee

All credit cards come with some service fees depending on how you use them. However, one cost which can really sneak up on you is the foreign transaction fee levied whenever you spend in a foreign currency using your card. Depending on your card provider, this can add run from a fee of around 1.25% levied by the issuing network, through to more like 2.5% if the issuing bank also charges their own admin fee.

Avoid foreign transaction fees with a smart multi currency account and card from Wise. Top up your account in local currency and you can use it in 150+ countries with the mid market exchange rate and low, transparent fees. This can cost significantly less than the foreign transaction fee charged by credit card companies - and you’ll also be able to use your Wise card to make ATM withdrawals as you travel, without having to worry about a cash advance fee. More on that later.

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1. CIMB e Credit Card

The CIMB e Credit Card has a low monthly minimum income, and offers good rewards for people who are prepared to wait to spend on eDay - the 28th day of the month.

• Earn rewards on all spend, with bonus rewards on online shopping, and especially on the designated eDay, when rewards may be up to 12x higher
• MYR2,000 a month or MYR24,000/year minimum income required
• Convert rewards at the rate of 400 point to MYR1

This card is best for users who can wait to spend on the one day a month when they’ll earn higher points. On a regular day, you’ll get 3x rewards for online spend, but this goes right up to 12x rewards on eDay - the 28th of the month. The e Credit Card has one of the best points to ringgit conversion rates available - which means you earn more to spend on yourself. There is also a relatively low annual fee of MYR100 which is waived automatically for the first year.

Learn more here about the best CIMB credit cards in Malaysia.

2. Public Bank Visa Platinum Credit Card-i

If you’re looking for a Shariah compliant credit card option this one might be for you. You’ll be able to earn 4% cashback (up to MYR30/month) on some purchases, and a proportion of your spend can be used to make donations.

• Shariah compliant card option
• 2% cash back on online and international transactions with opening offers to reward your first online transactions
• Up to MYR100/month donation made to Yayasan Waqaf, based on your dining spend

This account has a relatively high annual fee of MYR333, but this is waived in the first year and will be waived in subsequent years if you use your card at least 12 times in the preceding year. You’ll be able to manage your card online, with other perks including airport lounge access and easy contactless payments. If you’re getting this card for travel, don’t forget to check the foreign transaction fee, which can add costs when you spend overseas.

Learn more here about the best Public Bank credit cards in Malaysia.

3. UOB Simple Credit Card

This card has relatively low minimum income requirements and no annual fee, making it an attractive option for people looking to find a simple, low fee card for daily use.

• No annual fee for principal and supplementary cards
• 10% interest back on finance charges every month a long as you meet minimum repayment levels

UOB’s Simple card has a range of opportunities to get discounts and savings. You can get an uncapped rebate on finance charges of up to 10%, if you meet the minimum repayments. Both Malaysian and expat customers are able to apply for this card from UOB.

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👀 Looking for a credit card with travel rewards instead? Click here to find out which Malaysian credit cards come with free airport lounge access

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4. Ambank Islamic Visa Infinite

This card comes with both conventional and Islamic banking versions - and although it has a high minimum earning requirement, it brings so many perks we have included it in our round up of the best options out there. If you’re a high earner, it may be worth a look.

• Minimum salary of MYR120,000 annually
• Great rewards and perks - including 1 for 1 dining, cash back, lounge access, concierge and a range of other exclusive offers
• Insurance options which include travel insurance, especially for cardholders

High earners might consider this card as an exclusive way to spend and earn rewards, perks and cash back. If you’re getting this card for travel, there are some great perks - but there’s also a 1% foreign transaction fee to consider. The range of exclusive offers and rewards is pretty staggering, from fun things like lounge access and Club Marriott Malaysia Privileges, through to more serious options like additional insurance to keep you and your loved ones safe.

Learn more here about the best AmBank credit cards in Malaysia.

5. RHB Shell Visa Credit Card

If you drive and live close to a Shell station, this card could help you earn significant cash back on fuel purchases for example.

• Cashback on all spend, up to a maximum of 12% with Shell (up to MYR50/month), and up to 5% on other purchases
• Lower minimum income compared to some card options, at MYR24,000/year
• Annual card fee waived first year, and second year onwards if you use your card 24 times in the preceding year

This card makes sense for people who need to buy fuel and can conveniently use Shell petrol stations. Cash back on some other categories is also relatively high if you spend at least MYR2,500 a month.

6. Maybank Visa Classic

Maybank has a broad range of credit card options from exclusive cards for high earners, to cards for football fans, to cards like this - a simple credit card with a reasonable minimum income (MYR30,000/year for Malaysians, MYR60,000/year for expats) and low annual fee (MYR60).

• Earn TreatsPoints on your spend
• Get travel insurance worth up to MYR300,000 when you buy tickets using your Maybank card
• Manage your card online with Maybank’s digital banking systems

This card is recommended as one for people looking to build credit history or improve their credit score. It’s a simple card with a low annual fee, which still allows you to earn points. One of the best perks though is the travel insurance option which you can access if you buy your travel tickets using your card. Maybank has one of the highest foreign transaction fees in the Malaysian credit card comparison we’ve looked at today - which can mean adding 2.25% to all overseas spending, which might mean you choose to leave your card at home when you travel.

7. UOB EVOL Credit Card

If you’ll be using your credit card to pay for dining, travel and other hobbies, this card from UOB may be the one for you. There are lots of rewards and offers across lifestyle categories, which may net you discounts on shopping, hotels and travel.

• Up to 5% cashback on you spending, plus exclusive partner promotions and offers
• Contactless payments, plus easy read card design
• Access deals and benefits across dining, travel and leisure as well as on and offline retail

The MYR7.50/month fee for this card is easily waived with just one use of the card on a monthly basis. You’ll then get the opportunity to access a good selection of rewards and offers, primarily on lifestyle, travel and dining. These offers change and are updated all the time so you can benefit from them over and over again.

8. Maybank Grab Credit Card

If you frequently use Grab to pay for ride hailing, order food, or to shop using Grab’s e-wallet feature, adding in a Maybank Grab Credit Card could help you make more of your money.

• Earn 5x Grab rewards on rides and food delivery, plus 2x Grab rewards for overseas spending
• Welcome bonus offer of extra points, plus promotion to grab Platinum tier
• Choose a white or black card design, depending on your preference

There’s no annual fee for this card, which means you can boost your Grab points without spending anything extra. The annual income requirement is usually 24,000 MYR which is also one of the lower limits we’ve featured. As with other Maybank cards, watch out for the foreign transaction fee on overseas and foreign spending - this pushes up your costs by 2.25%.

9. UOB One Credit Card

The UOB One Credit card - which comes as a standard Visa or a Platinum Visa card - is a good pick for higher spenders who want to unlock extra cash rebates.

• Spend at least 500 MYR per month (1,500 MYR for the Platinum card) to get up to 10% cash back on certain spending categories
• Minimum income of 24,000 MYR for the standard Visa card
• Card holders can also benefit from other benefits and partner offers, including travel tips and perks

To make the most of the UOB One card you’ll need to consistently hit the minimum spend level. By spending at least 500 MYR per month, your cash rebate amount jumps from the base rate of 0.2% right up to 10%. Spending requirements are higher for the Platinum card - plus you’ll need to have a higher income and pay a higher annual fee. However, Platinum card holders can earn even more in rewards, making this worth considering if you’ll hit the minimum eligibility requirements.

Learn more here about UOB One Card in Malaysia

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Shop around to find the credit card which suits you and your lifestyle the best. You could find you cut down on fees, and earn some handy perks and rewards, too.

Spending abroad or making online purchases? Get the Wise card for seamless foreign currency spending

As you pick which is the best credit card in Malaysia for you, consider getting a Wise card to spend abroad for great rates and no foreign transaction fees.

The Wise card lets you spend in 40+ currencies at the mid-market rate including CNY, JPY, GBP, and SGD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up MYR to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 13.7 MYR. Having a physical Wise card allows you to make chip and pin payments, as well as two free ATM withdrawals to the value of 1,000 MYR each month, before low fees start.

While abroad, you can choose to spend with directly in MYR and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.77%.

Avoid credit card foreign transaction fee on top of exchange rates determined by Visa or Mastercard and get the best bang for your buck.

Sign up for free 🚀

Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

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Sources

1. CIMB | CIMB e Credit Card
2. CIMB | Credit Cards Fees and Charges
3. Public Islamic Bank Visa Platinum Credit Card-i
4. Public Islamic Bank | Credit/Debit Cards - Fees & Charges
5. UOB Simple Credit Card
6. UOB Malaysia Fees and Charges
7. AmBank/AmBank Islamic Visa Infinite
8. AmBank Cardholder Fees
9. RHB Credit Cards
10. RHB Banking Service Charges
11. Maybank Visa Classic - Credit Cards | Maybank Malaysia
12. Credit Card - Banking Fees | Maybank Malaysia
13. UOB EVOL
14. Maybank Grab credit card
15. Maybank Grab credit card - product disclosure
16. UOB One Card