Best Credit Card Sign-Up Offers in Malaysia 2025

To maximise credit card benefits in Malaysia, it's essential to understand how to leverage sign-up bonuses, rewards programs, and cashback offers. For first-time applicants, RinggitPlus can guide you through selecting the best cards that match your spending habits and financial goals. 

From the latest gadgets to cash vouchers to free luggage, these are just some of the credit card gifts that could be yours when you sign up for a credit card with RinggitPlus.

At RinggitPlus, we compare the latest sign-up offers so you can get the most cashback, air miles, shopping rewards, or exclusive freebies when you apply. Our RinggitPlus credit card promotion runs every week, so go ahead and bookmark this page so that you don't miss out on all the great credit card deals.

Without further ado, we bring you this week's lineups for our credit card promotion below.

HSBC Credit Cards Promotion

Maybank Credit Cards Promotion

RHB Credit Cards Promotion

Alliance Bank Credit Cards Promotion

AmBank Credit Cards Promotion

Frequently Asked Questions About Credit Card Free Gift and Sign-Up Offer:

Read the FAQs below to increase your chances of getting a gift with a credit card application on RinggitPlus.

1. What can I do to get a gift?

You can get a gift simply by applying for a qualifying credit card online with us. There are several participating banks that you can apply to, like the following.

• RHB
• AmBank
• HSBC
• Maybank
• Alliance Bank

Once you have compared and chosen the best credit card that suits your preferences and needs, you can hit the Apply button above to proceed with the credit card application.

2. How can I get the best credit card sign-up offers?

Banks regularly update their promotions with cashback, vouchers, and exclusive gifts—but not all offers are the same.

1. Compare and Choose the Right Credit Card - Each bank offers different rewards, from cashback and air miles to shopping vouchers. RinggitPlus compiles these deals in one place, so you can easily compare and pick the best card based on your spending habits.

2. Unlock Exclusive Rewards with Sign-Up Bonuses - Most credit cards come with a welcome gift, but they often require you to meet a minimum spend within 60–90 days. Always check the terms to ensure you qualify for the reward.

3. Save More with Annual Fee Waiver - Some credit cards charge annual fees, while others offer first-year or lifetime fee waivers when you meet spending criteria. Choosing the right card can help you avoid unnecessary costs.

4. Apply Through RinggitPlus for Extra Perks - When you apply via RinggitPlus, you may get exclusive deals such as bonus gift offers you won’t find when applying directly through banks.

3. Is the gift guaranteed or subject to further selection?

This will be dependent on each of the participating banks' terms and conditions. Some banks offer guaranteed sign-up gifts to all successful applicants, while some may provide sign-up gifts to several successful applicants.

In essence, the sign-up gift will be given to successful applicants who have

1. Chosen and applied for a qualifying credit card via RinggitPlus
2. Follow the instructions stated in the Welcome Email (which you will get in your inbox once you click the Apply button to start the application) to complete your application with the bank 
3. Follow the requirements and processes of the bank, and
4. Get approved by the bank

Once approved, you will have to fulfil a few requirements to qualify for the sign-up gift. This can include hitting a certain spending amount or activating the credit card within a stipulated time upon the credit card approval date, depending on the bank's T&C.

4. How long does it take for my credit card to be approved?

Your credit card application may take several business days to be approved by the respective bank. We've compiled  detailed FAQs, so do check them out.

If you wish to speed up the process, just make sure you complete your submission along with the required documents, such as a copy of your IC, your latest salary slips, etc. Don't miss any of it!

Note that RinggitPlus is not involved in the process of credit card approvals, as this will be done solely by the bank. Hence, you may also call the respective bank to check your credit card application status. 

5. I have received my credit card. How do I activate it?

The steps to activate your credit card vary from one bank to another. But in most cases, where your approved credit card has been delivered to you, the respective bank should provide you with instructions in the letter that you got with your credit card.

The bank may also email you the instructions on how to activate your credit card. So be sure to check your inbox from time to time!

Otherwise, you can always call the bank to find out the steps to activate your credit card.

6. What does retail spending mean in the RinggitPlus flash deal T&Cs?

Retail spending typically refers to domestic and overseas purchases, online transactions, e-wallet reloads (such as Touch and Go, BigPay, or Boost), standing orders, non-online auto-billing, and payments for insurance or takaful.

It excludes cash advances, balance transfers, instalment payments, quasi-cash transactions, refunds, contested or fraudulent transactions, payments to charity, utility and government-related payments, and other fees or charges such as interest, late fees, yearly fees, or service costs.

Please note that the definition of retail spending may differ based on the terms and conditions of the issuing bank. Do a comb through the terms and conditions to find more details, or contact us at  [email protected]!

7. My credit card is activated, and I have completed the requirements to qualify for the sign-up gift. How can I redeem my gift?

Each bank that we are partnering with will send us a list of approved applications that have met all the gift redemption requirements. Note that this process can take around two months.

After that, if you are eligible for a sign-up gift, you will receive a gift redemption email from us with a dedicated code and instructions on how to redeem your gift.

Please find more  comprehensive FAQs about our gift redemption process.

8. How can I reach out to you for more information or assistance?

If you have any questions regarding your gift redemption or anything related to your credit card application, please get in touch with us via email at [email protected]. We're happy to help!