Best Premium Credit Cards in Malaysia 2021

Get you access to your own private concierge, first class airport lounges, free green fees and exclusive privileges.

Best Premium Credit Cards in Malaysia

For most people, a premium credit card is almost always seen as a sign that you have made it in life. Imagine the thrill of swiping a black credit card when you’re shopping or travelling abroad.

If you’re thinking about applying for one, read on as we lay out the benefits offered by a range of premium credit cards, and everything in between.

What is a black credit card?

A premium or VIP credit card is catered to the mass affluent segment of the society, with an annual income of more than RM100,000. It is more or less the same in terms of utilities and features as the lower to mid-range credit card.

The difference is that they usually come with a very expensive annual fee for the benefits and exclusive privileges they offer to the cardholders. If you’re lucky, the bank will sometimes waive the annual fee for you, depending on your cumulative annual spending or a personal discretion.

Interestingly, a premium credit card is packed with a list of exclusive benefits which you can’t get from gold or platinum credit card suchlike personalised services, access to some of the prestigious golf courses around the world, complimentary travelling benefits and more.

To add on, these special cards are often offered to high net worth individuals and in some cases, by invitation only.

Which credit card is the best for me?

Let’s take a look at selected premium credit cards with a range of splendid benefits offered by various banks that might come in handy for any unique individual’s needs.

Business Frequent Flyers

Always flying overseas for business? Well, if you spend half your life frequenting to the airport to catch your next flight, these premium credit cards can be an awesome companion for you to get ahead and away from the busy and bustling crowd.

Citi Prestige Mastercard®

Citi Prestige MasterCard

Citi Prestige MasterCard offers an unrivaled experience and privileged access to elite travel. Do you know that Citi Rewards Points and Citi PremierMiles are evergreen? Meaning the points that you collected when you swipe will never expire!

There’s a lot that you can do with the rewards points; you can redeem merchandise and vouchers; you can shop and pay using the points that you have collected at Amazon (plus, get instant rewards too!), including transferring your points or air miles to a range of loyalty programmes from global airlines and hotels.

On top of that, you will also receive exclusive access to a variety of events, 24/7 concierge services and premium insurance protection while traveling.

Minimum income: RM192,000/year

Annual fee: RM1,000 (Primary Card), Free for Supplementary Card

Travel Coverage Rewards Points Premium
Up to US$500,000 - 2x points on every RM1 when spend in foreign currencies
- 1x point on every RM1 on eligible local purchases
- Personalised services such as Citi Prestige Concierge, Citi Prestige Priority Line, access to exclusive events by invitation
- Up to 12x complimentary airport lounge access through MasterCard Airport Experiences by LoungeKey
- Complimentary limo ride home from airport

- Free night stay at any international hotel & resort

UOB Visa Infinite

UOB Visa Infinite

Upon UOB credit card activation, you will get to indulge into infinite travel experiences! Being a business frequent flyer, travelling back and forth can be arduous and we totally get that. With UOB Visa Infinite, this card works hard to ensure you get to enjoy the journey after your hard work.

Every time you swipe your card either globally or locally, up to 8x rewards points is yours to collect and spend. The more you spend, the more points you earn. So what to do with the points then? You can redeem air miles from several airlines to get free flight tickets. If you don’t like your designated seating, you can upgrade it too for free!

As a UOB credit card holder, you can apply for a 0% Instalment Payment Plan to convert your purchases into 6 or 12-month payment tenures at 0% interest when you spend at any participating merchants.

Minimum income: RM120,000/year

Annual fee: RM600 (Waived when spend RM50,000 in a year)

Travel Coverage Rewards Points Premium
Up to RM500,000 - 8x points on overseas purchases paid in Singapore Dollar, Thai Baht & Japanese Yen
- 5x points on overseas purchases paid in other foreign currencies
- 1x point on other local retail spends (exclude cash advance, IPP, petrol, government bodies & charity organizations)

- Year-long free green fees & discounts at selected golf clubs

- 4x free limo rides

- Access to UOB Infinite Private Lounge at EmQuartier Bangkok

- 4x complimentary airport lounges access in Asia Pacific

- 20% off at over 200 airport dining outlets (via Dragon Pass mobile app)

- Complimentary travel insurance

Affinbank World MasterCard

Affinbank World MasterCard

If you think that all premium credit cards come with a high income requirement, think again.

This Affinbank World MasterCard offers a low monthly income requirement of RM6,666 compared to other black credit cards. That’s not all, Affinbank World MasterCard also offers FREE personal accident insurance of up to RM100,000 in the event of injury, disability, or death upon the cardholder.

Minimum income: RM80,000/year

Annual fee: RM500 (Free for first year)

Travel Coverage Rewards Points Premium
Up to RM1,000,000 - 3x points on overseas retail purchases
- 1x point on local retail purchases

- 6x complimentary priority pass per year at the Airport Lounge

- 24 hours WORLD MasterCard concierge service

- Complimentary green fees in Malaysia, Thailand & Indonesia

Hong Leong Emirates HLB World Elite Card

Hong Leong Emirates HLB World Elite Card

Emirates, the renowned airline has partnered with Hong Leong Bank in offering this premium Hong Leong credit card for avid travellers. Live like a king or queen that you are and enjoy worldwide recognition or acceptance with this premium credit card.

When you activate your Hong Leong Emirates HLB World Elite card, you will stand a chance to receive a complimentary flight to Europe and Skyward Miles Welcome Bonus worth 10,000 miles. You can shop with peace of mind knowing that each time you swipe your premium card, the items that you have purchased will get automatic purchase protection.

Additional perks include FREE limousine service, golf privileges, overseas travel and medical insurance with this exquisite Hong Leong Emirates HLB World Elite Card.

Minimum income: RM250,000/year

Annual fee: RM1,800

Travel Coverage Rewards Points Premium
Up to RM2,000,000 - 2.5x points every RM4 on Emirates transaction
- 1.75x points every RM4 on overseas transaction
- 1x point every RM4 on local transaction

- 150,000 Skyward Miles + 10,000 Skyward Miles (Anniversary Bonus) with RM300,000 spends in a year

- Extra 10,000 Skywards Miles (Welcome Bonus) for first retail transaction (45 days from approval date)

- Free golf privileges, airport lounges membership, limo & WiFi services worldwide

- 4x complimentary Emirates KLIA Lounge Access, airport transfers

- Overseas medical & travel insurance & automatic purchase protection

- Get Skyward Miles Welcome Bonus & Anniversary Bonus of 10,000 Miles each


Being an influencer is not as easy as it may seem. An influencer’s job requires hard work, dedication and it takes every inch of passion within them to provide top-notch content for their audiences. A part of their job requires constant travel.

We have a list of premium credit cards that work super hard in ensuring your travelling or shopping experience is the best that it can be.

Standard Chartered WorldMiles World MasterCard

Standard Chartered WorldMiles World MasterCard

Who says only high income earners can apply for a premium credit card? Standard Chartered offers a rather low monthly income requirement of RM7,500 for their World MasterCard credit cards application. Exclusive for avid travellers, there are awesome travel perks with this Standard Chartered WorldMiles World MasterCard.

As a Standard Chartered credit card holder, you get to enjoy special 1-for-1 dining deals at over 200 restaurants, cafes and bars via The Entertainer (MY) App. Plus, earn cashback rewards, get cash or redeem gifts at various merchants with the collected points via 360 Rewards.

Endless weekday retail offers are also up for grabs too! Groceries shopping also gets more rewarding when you swipe your Standard Chartered WorldMiles World MasterCard as you will get up to 15% cashback at selected supermarkets.

Minimum income: RM90,000/year

Annual fee: RM600 (Free for first year for new customers only)

Rewards Points Premium
- Use WorldMiles Points to redeem Malaysia Airline Enrich Miles, AirAsia BIG Points, Singapore Airlines KrisFlyer Miles & Cathay Pacific Asia Miles for cheaper flights
- 4.5x points every RM3 on overseas expenses
- 1x point every RM3 on local expenses

- Over 700 Good Life dining deals nationwide

- Great discounts on shopping & dining

- Unlimited free access to KLIA & KLIA2 Plaza Premium Lounge

- Save RM80 on Airport Limousine or KLIA Ekspres (ERL)

CIMB Visa Infinite

CIMB Visa Infinite

CIMB Bank offers low minimum income requirements for their Infinite credit card application. When you apply for this Visa Infinite credit card, you don’t need to pay an annual fee for a lifetime.

It gets better though; you will also receive a free travel insurance coverage of up to RM1 million when you charge your flight tickets to this premium card. Apart from that, you can relax and unwind before boarding your next flight as you get complimentary access to the airport lounge too.

It is impossible to not shop while travelling. With this CIMB Visa Infinite credit card, you will earn cash rebates for every retail transaction you made. Exceeded your credit card limit? Fret not! With CIMB CashLite, you can apply from as low as RM1,000 and up to your available credit limit at a flat interest rate of 9.88% p.a.

Minimum income: RM120,000/year

Annual fee: Free for life

Travel Coverage Rewards Points Premium
Up to RM1,000,000 - 5x points on overseas dining spends
- 5x points on overseas retail spends
- 1x point on local spends

- Access to exclusive worldwide events

- Premium airport ride at exclusive price

- Shopping & dining promotions

- Get Buy One Fly Two in Business Class on selected airlines via CIT Travel (selected destinations, valid until 31 Dec 2020)

- 8x complimentary access to Plaza Premium Lounge a year

- Travel assistance via CIMB Premier travel desk

OCBC World MasterCard

OCBC World MasterCard

Don’t miss the chance to travel in style with this sleek black premium OCBC World MasterCard, offering you travel perks such as 2x access in a year to the KLIA Plaza Premium Lounge and 24/7 concierge service.

With an annual fee of only RM388, this credit card is quite the catch. First-time OCBC credit card applicants also get their first 3 years worth of annual fee waiver. Additionally, you can earn up to 1.2% cash rebates monthly when you spend on the first RM1,000 on all retail purchases with your credit card.

Minimum income: RM100,000/year

Annual fee: RM388 (Free for first 3 years for first-time OCBC credit card applicants)

Travel Coverage Premium
Up to RM2,000,000

- 2x complimentary access in a year at KLIA Plaza Premium Lounge

- 24 hours concierge service

- No cap on cashback

- 1.2% cash rebate on first RM1,000 spending on all retail purchases monthly

- 0.6% rebate on the subsequent RM1,001 spending on all retail purchases monthly


Golf is a recreational sport that is loved by the elites. It may cost a fortune when you take into account the cost of the gears, equipment, green fees and golf clubs membership fees. With these premium credit cards, you can get discounts and complimentary access to perfect your swing.

RHB Visa Infinite

RHB Visa Infinite

This RHB Visa Infinite comes with several great benefits that you surely wouldn’t want to miss. Once you activate your premium credit card, you don’t have to worry about expensive green fees anymore as RHB Golf Privileges grants you ZERO green fees at golf clubs within Selangor and Penang.

Additional travel perks are yours to use as well such as endless air miles redemption and unlimited airport lounge access in Malaysia and Singapore.

Rejoice if you’re a fan of IKEA as you get to apply for RHB Smart Instalment of IKEA at 0% interest rate whenever you make a purchase of minimum RM500 in a single receipt.

Minimum income: RM150,000/year

Annual fee: Free for life

Travel Coverage Rewards Points Premium
Up to RM2,000,000 - 5x points on every RM1 on overseas retail spends
- 1x point on every RM1 on all local retail spends

- Zero green fees by RHB Golf Privileges at golf clubs in Selangor and Penang

- 50% discount on the walk-in green fees by Visa Premium Golf Program

- Free unlimited airport lounge access in Malaysia and Singapore

- Free travel insurance coverage

Maybank Islamic Ikhwan Visa Infinite Card-i

Maybank Islamic Ikhwan Visa Infinite Card-i

Indulge yourself with this Maybank Islamic Ikhwan Visa Infinite Card-i as its premium perks include travel benefits and significant golf privileges within Malaysia and around the world.

Maybank is also known for its awesome Treats Fair whereby cardholders can redeem accumulated points which will expire after 3 years with any products or services you prefer. Plus, you’ll get 10,000 TreatsPoints upon Maybank Islamic Ikhwan Visa Infinite Card-i activation.

So what to do with that many points? You can convert your TreatsPoints to Enrich Miles, KrisFlyer Miles, or Asia Miles at special low rates. In addition, you can exchange 5,000 TreatsPoints for 1,000 Air Miles and book a flight ticket to your favourite destinations.

Minimum income: RM100,000/year

Annual fee: RM800 (Free for first year)

Travel Coverage Rewards Points Premium
Up to RM2,000,000 - Get 10,000 TreatsPoints on card activation & first purchase
- 5x points on overseas retail spends
- 2x points on local retail spends

- 1x point on petrol, utilities, education, insurance & EzyPay Instalment

- Complimentary green fees at 14 premium clubs in Malaysia with unlimited rounds

- 10% off green fees for guests

- 30% off dining at Marriott Bonvoy participating hotels & resorts in Malaysia (until 30 December 2020)

- 5x access to Plaza Premium Lounge

- Convert TreatPoints to Enrich Miles, KrisFlyer Miles or Asia Miles at low rates

- Exchange 5,000 TreatPoints for 1,000 Air Miles & book a flight to favourite destinations

Ambank Visa Signature

Ambank Visa Signature

One of the Ambank credit cards that offers premium golf privileges is Ambank Visa Signature premium credit card. With this card, you can save as much as 50% off on hotel rooms and dining at any Hilton Hotels within Asia Pacific. Extra 30% discount for green fees at participating APAC golf clubs is also granted to you when you pay with an Ambank Visa Signature credit card.

After many rounds of golf, what better way to unwind than shopping? Especially when you’re abroad. Enjoy up to 10% cashback when you shop at selected duty-free outlets. Plus, the more you swipe your card, the more rewards points you can collect and redeem later.

Ambank also offers every credit card holder a cash advance at a flat interest rate and flexible payment tenures up to 36-months should you require more money for your retail therapy.

Minimum income: RM80,000/year

Annual fee: Free for life

Travel Coverage Rewards Points Premium
Up to RM1,000,000 - 3x points on overseas retail purchases (except online transactions)
- 1x point on local retail purchases

- 30% off green fees at participating APAC golf clubs

- 50% off dining & hotel rooms at Hilton Hotels in Asia Pacific

- 5x free Plaza Premium Lounge access in a year

- Visa Concierge Service

- 10% cashback at selected duty-free outlets

Choosing the right black card for you

Choosing the right premium credit card can be tricky, considering each one of them comes with an enticing benefits package that is hard to ignore. Sometimes the benefits in a premium card can also be found in a lower-end credit card too. These are the key points that you can consider before applying a premium credit card:

Annual fee

The annual fee for premium cards can reach up to thousands of Ringgit. You may be able to enjoy an annual fee waiver but with conditions as set out by the bank.

Outsized privileges

From travel benefits, golf privileges to complimentary airport lounges access all over the world, a premium credit card has a lot to offer. However, if you don’t really use these benefits on a regular basis,you will pay a hefty annual fee for nothing.

Credit score

Premium cards are usually offered to high-income earners and those with excellent credit scores. If you’re eligible, don’t hesitate to apply for a premium credit card and enjoy the benefits to your heart's content!