Best Rewards Credit Cards in Malaysia

If you like receiving coupons or discounts, a credit card that offers reward points is a great choice. You earn reward points based on the amount you spend and cash them in for a wide range of gifts and benefits.

Need help choosing?
Credit card imageCredit card name and benefitsInterest RateBalance TransferCashbackAnnual FeeApply Online
Standard Chartered WorldMiles World MasterCard credit card

Enjoy great travel privileges and a faster way to earn AirMiles, unlimited Plaza Premium Lounge access, complimentary airport ride transfer, personal concierge and more with the WorldMiles World MasterCard.

RinggitPlus 11-11 Exclusive Offers. Get 4 Amazing Gifts!

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Maybank 2 Gold Cards credit card

What is Xpress Apply

Apply for Maybank 2 Cards and pay no annual fees for your American Express and MasterCard or Visa. Extra rewards with AMEX including 5x TreatsPoints on all retail and 5% cashback on weekend spends!

Get a Free Halogen Oven Cooker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read moreApply now
HSBC Visa Signature credit card

Swipe your way to exclusive benefits and privileges including 8x reward points and shopping discounts. It's your VIP access to the world around you!

RinggitPlus 11-11 Exclusive Offers. Get 4 Amazing Gifts!

Interest Rate
15% p.a.
Balance Transfer
3% p.a.
Cashback
no
Annual Fee
RM636.00
Read moreApply now
Citi Prestige credit card

Citi Prestige is your passport to a world of unforgettable experiences, offering unique benefits and premium personalised service.

RinggitPlus 11-11 Exclusive Offers. Get 4 Amazing Gifts!

Complimentary RM250 ServisHero e-Voucher - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
8.99% p.a.
Cashback
no
Annual Fee
RM1060.00
Read moreApply now
BSN Platinum MasterCard credit card

What is Xpress Apply

Indulge in a world of Platinum privileges with BSN, offering you more benefits, more rewards, and more privileges for your money!

Get a Free 10,000mAh Powerbank - Only at RinggitPlus!

Interest Rate
13.5% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
Alliance Bank You:nique - Great Rewards credit card

Maximise your rewards and earn points faster on your shopping with the Alliance Bank You:nique credit card. Personalise your card with your favourite picture, for free!

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Public Bank Platinum MasterCard credit card

Platinum privileges abound - free up to RM1million travel insurance.

Complimentary RM200 Touch 'n Go Card - Only at RinggitPlus

Complimentary Nescafe Dolce Gusto - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Alliance Bank Visa Infinite credit card

No limits on your Timeless Bonus Points when you swipe for retail purchases. Fly for free with MAS and AirAsia miles redemption for your next holiday getaway!

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
New AEON MasterCard Classic credit card

Access to discounts at over 500 shopping outlets. Enjoy cashback for any purchases at AEON Stores nationwide. Redeem AEON Gift Voucher with less rewards points.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free *
Read moreApply now
Public Bank World MasterCard Credit Card credit card

Enjoy free access to Plaza Premium Lounges in Malaysia for 5 times a year!

Complimentary RM200 Touch 'n Go Card - Only at RinggitPlus

Complimentary Nescafe Dolce Gusto - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
Standard Chartered Visa Platinum credit card

Earn 5x rewards points each time you swipe on dining, department store and overseas purchases. Spend a minimum of RM1,500 a month to get an extra 5,000 bonus points, on either your principal or supplementary card!

RinggitPlus 11-11 Exclusive Offers. Get 4 Amazing Gifts!

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
BSN Visa Platinum credit card

What is Xpress Apply

Get a little more of everything with the BSN Visa Platinum - global privileges, premium insurance protection and best of all, its totally free.

Get a Free 10,000mAh Powerbank - Only at RinggitPlus!

Interest Rate
13.5% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
Maybank Visa Gold credit card

What is Xpress Apply

A Visa card with bigger and better benefits for folks who want to upgrade their Classic cards and enjoy exclusive dining, shopping, and travel perks.

Get a Free Halogen Oven Cooker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM137.80
Read moreApply now
AmBank M-Signature Visa Card credit card

Stay protected on holiday with travel insurance for the family. Get free health check, car assistance, and stolen card protection for the ladies.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM583.00
Read more
UOB Preferred Platinum MasterCard credit card

Pay for your shopping for cheap with high SMART$ Rebates of up to 10%. Earn 2x rewards points on all your online and overseas spending.

Interest Rate
15% p.a.
Balance Transfer
7.77% p.a.
Cashback
10%Unlimited
Annual Fee
RM209.88
Read more
Maybank American Express Platinum credit card

What is Xpress Apply

Enjoy the VIP lifestyle at low finance charge of 9% p.a. with up 5x Membership Reward Points and exclusive Platinum privileges on golf, dining and hotel.

Get a Free Halogen Oven Cooker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
GSC - Hong Leong Gold Visa credit card

The ultimate movie card. Receive 50% off tickets of up to RM60, plus fast payment with access to Priority Ticketing Lane and up to 15% discounts on food and beverages at GSC.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
SOGO RHB Credit Card credit card

Get instant cash rebates and double your S-Points when you use your SOGO- RHB Credit Card on top of your S Card at SOGO.

Interest Rate
15% p.a.
Balance Transfer
4% p.a.
Cashback
5%Unlimited
Annual Fee
RM93.28
Read moreApply now
Alliance Bank Visa Platinum credit card

Platinum travel privileges all over the world, MAS Enrich Miles, and AirAsia BIG points make this an ideal Alliance Bank credit card for frequent flyers.

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
HSBC Premier World MasterCard credit card

Great Rewards Points credit card - Exclusively for HSBC Premier account holders, a premium credit card that rewards you when you shop and travel.

Interest Rate
15% p.a.
Balance Transfer
3% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
New AEON Visa Classic credit card

Amazing offers from AEON stores across Malaysia and exclusive discounts at over 1500 preferred merchants mean you get more value from your shopping.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%Unlimited
Annual Fee
Free *
Read moreApply now
MyEG-RHB Credit Card credit card

Get rewarded with 5X Reward Points when you pay your utility bills, renew your road tax, or use any existing MyEG services online or at the counter.

Interest Rate
15% p.a.
Balance Transfer
4% p.a.
Cashback
no
Annual Fee
RM93.28
Read moreApply now
Public Bank Visa Signature credit card

Enjoy 6% cashback and earn VIP Points on your retail spending, plus complimentary access to airport lounges, and free travel insurance - No annual fee!

Complimentary RM200 Touch 'n Go Card - Only at RinggitPlus

Complimentary Nescafe Dolce Gusto - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
6%
Annual Fee
Free *
Read moreApply now
Maybank Visa Signature credit card

What is Xpress Apply

A card that pays for your lifestyle with up to 5x TreatsPoints for grab and 5% cashback on petrol and groceries spends. Enjoy VIP treatment with VISA speed pass and 24-hour concierge service.

Get a Free Halogen Oven Cooker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free *
Read moreApply now
Citi Clear Visa credit card

Whatever your spending your money on the Citi Clear Visa offers priority access and a host of great rewards for life in the fast lane.

RinggitPlus 11-11 Exclusive Offers. Get 4 Amazing Gifts!

Complimentary RM250 ServisHero e-Voucher - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
8.99% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
AmBank M-Gold Visa Card credit card

Earn more with AmBank and Bonuslink every time you swipe! Redeem great prizes, get free travel insurance, and enjoy yearly medical check-ups.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM238.50
Read more
Maybank Islamic Ikhwan American Express Gold Card-i credit card

You'll get 2X TreatsPoints with every single Ringgit you spend on retail purchases. With automatic Touch 'n Go Zing card reload this is the driver's dream.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
Maybank MasterCard Gold credit card

What is Xpress Apply

Enjoy great travel, dining, and shopping privileges whether you're in Malaysia or abroad. Collect TreatsPoints to redeem rewarding gifts and also waive annual fee!

Get a Free Halogen Oven Cooker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM137.80
Read moreApply now
Singapore Airlines KrisFlyer American Express Gold credit card

What is Xpress Apply

A fast and easy way to earn KrisFlyer Miles for free SIA flights and Plaza Premium Lounge access. Get instant overseas help by phone anytime with American Express Global Assist.

Get a Free Halogen Oven Cooker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
New AEON Visa Gold credit card

With special discounts at every AEON store nationwide and access to deals at over 1500 partner stores your shopping gets a whole lot more value.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free *
Read moreApply now
AmBank M-Platinum MasterCard credit card

Double your rewards with AmBonus Points and BonusLink Points. Free travel insurance everytime you charge your flight tickets on your credit card.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM477.00
Read more
Public Bank Visa Platinum credit card

Enjoy unlimited cashback on retail purchases without any restrictions.

Complimentary RM200 Touch 'n Go Card - Only at RinggitPlus

Complimentary Nescafe Dolce Gusto - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.3%Unlimited
Annual Fee
Free *
Read moreApply now
Alliance Bank MasterCard Gold credit card

Swipe your way to your dream vacation with this card! Earn up to 2x Timeless Bonus Points and free air miles will be yours sooner than you think!

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Hong Leong Gold Visa credit card

Take your time to fix your debt problems with a lifetime 6.99% p.a. balance transfer from Hong Leong. You'll get a great credit card too!

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
no
Annual Fee
RM169.60
Read moreApply now
Maybank Islamic Ikhwan American Express Platinum Card-i credit card

This credit card earns you 5X TreatsPoints on all petrol spend and 2X TreatsPoints on everything else - redeem points for free petrol vouchers!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read moreApply now
Public Bank Visa Infinite credit card

An exclusive credit card from Public Bank with unlimited cash rebate on retail spending, fast airmiles conversions, and free travel insurance.

Complimentary RM200 Touch 'n Go Card - Only at RinggitPlus

Complimentary Nescafe Dolce Gusto - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.5%Unlimited
Annual Fee
Free
Read moreApply now
Citi Cash Back Credit Card credit card

Get attractive cash back of up to 5% on all your purchases including petrol and groceries everyday. There's no minimum spend required!

RinggitPlus 11-11 Exclusive Offers. Get 4 Amazing Gifts!

Complimentary RM250 ServisHero e-Voucher - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
8.99% p.a.
Cashback
5%Unlimited
Annual Fee
Free *
Read moreApply now
Hong Leong Gold MasterCard credit card

Lifetime interest rate of 6.99% p.a. on your balance transfer with the Hong Leong Gold MasterCard - consolidate your debts at your own pace.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
no
Annual Fee
RM169.60
Read moreApply now
AmBank M-Gold MasterCard credit card

Complete insurance protection for you and your loved one when you travel abroad! Enjoy free medical check up every year for lady cardmembers.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM238.50
Read more
Alliance Bank MasterCard Platinum credit card

Explore the world with a credit card that gives you platinum travel privileges, Enrich Miles and BIG Points on each spend and a higher credit limit.

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Alliance Bank Visa Gold credit card

Enjoy thrilling discounts, Timeless Bonus Points that never expire on every Ringgit spent with your Alliance Bank Visa Gold card.

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
AEON MasterCard Gold credit card

Escape from the boredom before boarding with AEON MasterCard Gold that grants you access to KLIA Plaza Premium Lounge up to 6x a year!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%Unlimited
Annual Fee
Free *
Read moreApply now
Alliance Bank MasterCard Classic credit card

Earn your way to free air tickets from Malaysia Airlines and Air Asia wherever you swipe. Book your next holiday with reward points that never expire!

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Alliance Bank Visa Classic credit card

Every swipe on retail purchases locally and overseas brings your closer to next holiday! Redeem up to 1,000 air miles from MAS or AirAsia each time you convert your reward points.

Complimentary Barry Smith Luggage - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
6% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
AmBank M-Platinum Visa Card credit card

Collect tons of reward points when you spend in Malaysia or overseas. Secure your holiday with free travel insurance and purchase protection!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM477.00
Read more
Bank Islam Classic Visa Card-i credit card

This Shariah concept credit card may only be used to make Halal transactions.

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free *
Read moreApply now
CIMB Enrich World MasterCard credit card

A truly travel credit card gives you 8x access to MAS golden lounge, Enrich Miles conversions, exclusive golf privileges and complimentary insurance coverage.

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
no
Annual Fee
Free *
Read moreApply now
Bank Islam Classic MasterCard Card-i credit card

A Shariah concept credit card that only accepts transactions at Halal merchants.

Profit Rate
islamic
Balance Transfer
no
Cashback
no
Annual Fee
Free
Read moreApply now

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