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.

Get your Anugerah Aidilfitri Combo Gifts now!

Get 2 Free Return Domestic Flight Tickets with Your New Standard Chartered Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM300 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

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

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 Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply 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!

Get your Anugerah Aidilfitri Combo Gifts now!

Get 2 Free Return Domestic Flight Tickets with Your New HSBC Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM500 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM600.00
Read more Apply now
Citi Prestige credit card

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

Get a Xiaomi Mi Box S!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM400 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
5.32% p.a.
Cashback
no
Annual Fee
RM1000.00
Read more Apply 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!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply now
Public Bank Quantum Visa credit card

A Free-for-Life card promises 5% cashback and up to 2 VIP Points when you swipe it at your favorite restaurant, cafe or clothing brands anywhere.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
Public Bank Platinum MasterCard credit card

Enjoy the privileges of VIP Points, annual fee waiver, complimentary insurance plans, contactless payment and opening of a current account without an introducer!

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply 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!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply now
BSN Platinum MasterCard credit card

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

Interest Rate
13.5% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply 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.

Get a Free JBL GO 2 Bluetooth Speaker - Only at RinggitPlus!

Get a Sonic Gear Bluetooth Speaker - Only at RinggitPlus!

Get a Sonic Gear Bluetooth Speaker - Only at RinggitPlus!

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

A premium travel credit card gives Air Miles, 3x complimentary airport access, free travel insurance and e-Commerce purchase protection for free of annual charge!

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply 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!

Get your Anugerah Aidilfitri Combo Gifts now!

Get 2 Free Return Domestic Flight Tickets with Your New Standard Chartered Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM300 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

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

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

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

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.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM130.00
Read more Apply 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
RM550.00
Read more
UOB Preferred Platinum MasterCard credit card

Earn up to 3X UNIRinggit all year long, no minimum spend required and no limitations. Plus 50% off Grab rides to and forth airports

Get a Complimentary Xiaomi 70mai Dash Camera!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM198.00
Read more Apply now
Maybank American Express Platinum credit card

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

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

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

Your pass to blockbuster experience - enjoy 5x free movie tickets upon card approval, up to 30% off on snacks, access to Priority Ticketing Lane, RM6 off movie tickets and up 3x GSC Reward Points.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
no
Annual Fee
RM150.00
Read more Apply 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.

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply 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
0% p.a.
Cashback
no
Annual Fee
Free
Read more Apply 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.

Get a Free JBL GO 2 Bluetooth Speaker - Only at RinggitPlus!

Get a Sonic Gear Bluetooth Speaker - Only at RinggitPlus!

Get a Sonic Gear Bluetooth Speaker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%Unlimited
Annual Fee
Free *
Read more Apply 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.

Get your Anugerah Aidilfitri Combo Gifts now!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
4% p.a.
Cashback
no
Annual Fee
RM88.00
Read more Apply now
Public Bank Visa Signature credit card

Enjoy significant perks: 6% cash rebate, 1 VIP Point, free 2x airport lounge access, free travel insurance and annual fee waiver with every swipe of Visa Signature.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

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

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 Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free *
Read more Apply now
RHB Visa Infinite credit card

Offering golf and travel privileges, and unlimited air miles redemption. Plus, couple the journey with free airport lounge access and travel insurance.

Get your Anugerah Aidilfitri Combo Gifts now!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
4% p.a.
Cashback
no
Annual Fee
Free
Read more Apply now
UOB Lady's MasterCard credit card

An exclusive lady's credit card that gives 10% fashion cashback every weekend. Plus, 0% instalment on luxury items for 6 or 12 months.

Get a Complimentary Xiaomi 70mai Dash Camera!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
10%
Annual Fee
RM68.00
Read more Apply now
Citi Clear Visa credit card

Citi Clear Visa offers priority access and a host of great rewards for life in the fast lane: evergreen loyalty point, instant rewards, zero liability and many more!

Get a Xiaomi Mi Box S!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM400 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
5.32% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply 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
RM225.00
Read more
Maybank MasterCard Gold credit card

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!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
RM130.00
Read more Apply now
Singapore Airlines KrisFlyer American Express Gold credit card

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.

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

With special discounts at every AEON store nationwide and access to deals at over 1,500 partner stores your shopping gets a whole lot more value.

Get a Free JBL GO 2 Bluetooth Speaker - Only at RinggitPlus!

Get a Sonic Gear Bluetooth Speaker - Only at RinggitPlus!

Get a Sonic Gear Bluetooth Speaker - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free *
Read more Apply 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
RM450.00
Read more
OCBC Premier Voyage MasterCard credit card

Forget the ordinary plastic credit card, take things up a notch with OCBC Premier Voyage card which is made of Duralumin, strong but lightweight alloy of aluminum. Enjoy range of personalised concierge services with a luxury touch!

Interest Rate
15% p.a.
Balance Transfer
2% p.a.
Cashback
no
Annual Fee
RM750.00
Read more Apply now
Public Bank Visa Platinum credit card

Giving you 0.2% Cash MegaBonus on retail spending, annual fee waiver, free travel insurance and contactless payment at the checkout - a truly platinum lifestyle.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.2%Unlimited
Annual Fee
Free *
Read more Apply now
Alliance Bank MasterCard Gold credit card

Travel for free with Alliance Bank MasterCard Gold. Earn up to 2x Timeless Bonus Points when you spend on retail and utility, then convert them to air miles!

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply 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
Free *
Read more Apply 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!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

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

No annual fee for life premium credit card offering unlimited Cash MegaBonus and Air Miles with every spending, free travel insurance and 3x airport lounge access.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
2%
Annual Fee
Free
Read more Apply now

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  • *Get RM200 ShopBack Cashback with A New Standard Chartered Credit Card! - Terms and Conditions apply.
  • *Get RM200 ShopBack Cashback with A New Standard Chartered Credit Card! - Terms and Conditions apply.

​ Best Rewards Credit Cards in Malaysia 2019

What is a rewards credit card?

Rewards credit cards are credit cards that award you with points when you use them. These points can be used to redeem credit card rewards, which is why they’re commonly referred to as credit card rewards points. When you collect enough points, you can then use them to claim a credit card reward.

What is the best rewards credit card Malaysia has to offer?

There are two factors that make up the best reward credit cards. First of all, which is the best credit card for rewards point collection? Secondly, which credit card has the best credit card rewards? Therefore, the key to looking for the best reward credit card is getting one that offers both great redemption items and allows you to collect points quickly and easily.

Choosing the best credit card for rewards points collection

Let’s say that for every RM1 you spend using your rewards credit card, you collect 1 reward point. That’s alright, but wouldn’t you better off if you could collect more points for every Ringgit you spent? That’s why the best credit card for rewards is one that offers a higher points collection rate or points multipliers. For example, many reward credit cards give you more points for overseas spend compared to local spend.

Some rewards cards have points multipliers for different kinds of expenditure. For instance, the HSBC Visa Signature lets you earn 5x points on online retail expenditure and participating local malls, whereas the RHB Rewards Card offers 10x points on movie tickets.

What can you redeem with your rewards credit card?

You can use your rewards points to redeem anything from air miles to shopping vouchers as well as electronic gadgets and household items.