Credit cards Malaysia: check the published minimum income
233 personal credit cards from 18 issuers, read from each bank's own card pages. Key in your income to see which published minimums you meet. Your income stays in this browser.
Banks publish minimums as gross annual income. A monthly figure is multiplied by 12. Card details below are quoted as each bank publishes them.
Banks also check your credit record, commitments and other criteria. This is not an approval. Kira Dulu is not a bank.
You meet the published minimum income
Published minimum is above your income
Cards with a published minimum income, A to Z
- AEONAEON Biker Gold Visa CardAEON Credit Service · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Annual Income: RM24000 (for Malaysians) Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Principal – RM95* Supplementary – RM60*
- 5% Cashback on spare parts, accessories, merchandise, and motor services
- 2% Cashback for petrol and insurance transactions
- 0.5% Cashback for other retail transactions
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum combined spending of RM10,000 per year.
- AEONAEON Biker Infinite Visa CardAEON Credit Service · Conventional · Visa
- Minimum annual income
- RM90,000Minimum Annual Income: RM90000 (for Malaysians) Minimum Annual Income: RM90000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Principal – RM300* Supplementary – RM150*
- 8% Cashback on spare parts, accessories, merchandise, and motor services
- 8% Cashback on overseas spend
- 2% Cashback for petrol and insurance transactions
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum combined spending of RM42,000 per year.
- AEONAEON Member Plus (AMP) Mastercard Classic Credit CardAEON Credit Service · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income: RM24000 (for Malaysians)
- Annual fee
- Principal – RM30* Supplementary – RM20*
- 5% AEON BiG & AEON Retail Cashback
- Up to 3X AEON Points
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum of 12 transactions per year
- AEONAEON Member Plus (AMP) Mastercard Gold Credit CardAEON Credit Service · Conventional · Mastercard
- Minimum annual income
- RM48,000Minimum Annual Income: RM36000 (for Malaysians) Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Principal – RM95* Supplementary – RM60*
- 8% AEON BiG & AEON Retail Cashback
- 5% Dining Cashback
- Up to 3X AEON Points
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum of 12 transactions per year
- AEONAEON Member Plus (AMP) Mastercard Platinum Credit CardAEON Credit Service · Conventional · Mastercard
- Minimum annual income
- RM60,000Minimum Annual Income: RM60000 (for Malaysians) Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Principal – RM200* Supplementary – RM100*
- 10% AEON BiG & AEON Retail Cashback
- 2% Cashback from Online Spending
- Up to 6X AEON Points
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum combined spending of RM18,000 per year
- AEONAEON Member Plus (AMP) Visa Classic Credit CardAEON Credit Service · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Annual Income: RM24000 (for Malaysians)
- Annual fee
- Principal – RM30* Supplementary – RM20*
- 5% AEON BiG & AEON Retail Cashback
- Up to 3X AEON Points
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum of 12 transactions per year
- AEONAEON Member Plus (AMP) Visa Gold Credit CardAEON Credit Service · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Annual Income: RM36000 (for Malaysians) Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Principal – RM95* Supplementary – RM60*
- 8% AEON BiG & AEON Retail Cashback
- 5% Dining Cashback
- Up to 3X AEON Points
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum of 12 transactions per year
- AEONAEON Member Plus (AMP) Visa Platinum Credit CardAEON Credit Service · Conventional · Visa
- Minimum annual income
- RM60,000Minimum Annual Income: RM60000 (for Malaysians) Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Principal – RM200* Supplementary – RM100*
- 10% AEON BiG & AEON Retail Cashback
- 2% Cashback from Online Spending
- Up to 6X AEON Points
Fee waiver and finance charges
Fee waiver: *First year waived, subsequent year waived with minimum combined spending of RM18,000 per year.
- AEONJapan Club of Kuala Lumpur Credit Card | KL 日本人会クレジットカードAEON Credit Service · Conventional
- Minimum annual income
- RM48,000As published: 最低年収 RM48000
- Annual fee
- As published: クレジットカード入会金・年会費無料
Key benefits, as published:
- 毎月20日・28日の感謝デーにイオン・イオンビッグのお買い物で8%キャッシュバック
- RM1ご利用毎に１ポイント獲得。 200ポイント=RM1の割合で キャッシュバック
Fee waiver and finance charges
Fee waiver: As published: 入会金、年会費、家族カードすべて無料
- AEONMotorcycle Association Affinity Gold VisaAEON Credit Service · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Annual Income: RM36000 (for Malaysians) Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
- Annual fee
- Free For Life (Annual fees waived for both Principal and Supplementary Cardholders).
- 0.7% Cashback for Mforce
- Exclusive for Members of Malaysia Motorcycles & Scooter Dealers Association only.
Fee waiver and finance charges
Fee waiver: Free For Life (Annual fees waived for both Principal and Supplementary Cardholders).
AFFIN AURA Credit CardAffin Bank · Conventional- Minimum annual income
- RM24,000Min Annual Income RM 24,000
- Annual fee
- Waived for life
- Finance charge as low as 8%
- Annual fee waiver
- Environmental friendly card *Terms & conditions apply
- AFFIN AURA Credit Card-iAffin Bank · Islamic
- Minimum annual income
- RM24,000Min Annual Income RM 24,000
- Annual fee
- Waived for life
- Finance charge as low as 8%
- Annual fee waiver
- Environmental friendly card *Terms & conditions apply
- AFFIN AVANCE Affiliate MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM48,000Minimum Annual Income RM48,000* *The minimum annual income of AFFIN AVANCE Affiliate Cards for ANSARA and PROTON is RM24,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points for dining
- Affiliate Logo affixed on the card
- AFFIN AVANCE Affiliate Mastercard-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM48,000Minimum Annual Income RM48,000* *The minimum annual income of AFFIN AVANCE Affiliate Cards for ANSARA and PROTON is RM24,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points for dining
- Affiliate Logo affixed on the card
- AFFIN AVANCE Affiliate VisaAffin Bank · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Annual Income RM48,000* *The minimum annual income of AFFIN AVANCE Affiliate Cards for ANSARA and PROTON is RM24,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points for dining
- Affiliate Logo affixed on the card
- AFFIN AVANCE Affiliate Visa-iAffin Bank · Islamic · Visa
- Minimum annual income
- RM48,000Minimum Annual Income RM48,000* *The minimum annual income of AFFIN AVANCE Affiliate Cards for ANSARA and PROTON is RM24,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points for dining
- Affiliate Logo affixed on the card
- AFFIN AVANCE MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM84,000Minimum Annual Income RM84,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points
- Professional Membership/ Affiliate Name or Number affixed on the card
- AFFIN AVANCE Mastercard-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM84,000Minimum Annual Income RM84,000
- Annual fee
- Waived for life
- Lifetime annual fee waiver
- Exclusive 0% Easy Instalment Plan
- AFFIN AVANCE VisaAffin Bank · Conventional · Visa
- Minimum annual income
- RM84,000Minimum Annual Income RM84,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points
- Professional Membership/ Affiliate Name or Number affixed on the card
- AFFIN AVANCE Visa-iAffin Bank · Islamic · Visa
- Minimum annual income
- RM84,000Minimum Annual Income RM84,000
- Annual fee
- Waived for life
- Exclusive 0% Fixed Payment Plan (FPP) for up to 24 months
- 3X AFFIN Rewards Points
- Professional Membership/ Affiliate Name or Number affixed on the card
- AFFIN BHPetrol MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM150 (Principal); RM75 (Supplementary)
- Up to 10% cash back at BHPetrol station
- 1X AFFIN Rewards Point for other retail transactions
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM2,400 or Twelve (12) retail transactions per annum.
- AFFIN BORNEO Credit CardAffin Bank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- Waived for life
- 0.2% unlimited cash back
- Finance charge as low* as 8%
- Lifetime Annual fee Waiver *Terms & conditions apply
- AFFIN BORNEO Credit Card-iAffin Bank · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- Waived for life
- 0.2% unlimited cash back
- Finance charge as low* as 8%
- Lifetime Annual fee Waiver *Terms & conditions apply
- AFFIN DUO Mastercard RewardsAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM75 for each card (Principal); RM30 for each card (Supplementary)
- 3% cash back on e-commerce, e-wallet & auto-billings transactions with AFFIN DUO Visa Cash Back
- 3X AFFIN Rewards Points on dining, groceries & petrol with AFFIN DUO Mastercard Rewards
- 3 years annual fee waiver
Fee waiver and finance charges
Fee waiver: Waived for first three (3) years; Twelve (12) retail transactions per annum.
- AFFIN DUO Mastercard Rewards-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM75 for each card (Principal); RM30 for each card (Supplementary)
- 3% cash back on e-commerce, e-wallet & auto-billings transactions with AFFIN DUO Visa Cash Back
- 3X AFFIN Rewards Points on dining, groceries & petrol with AFFIN DUO Mastercard Rewards
- 3 years annual fee waiver
Fee waiver and finance charges
Fee waiver: Waived for first three (3) years; Twelve (12) retail transactions per annum.
- AFFIN DUO Visa Cash BackAffin Bank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM75 for each card (Principal); RM30 for each card (Supplementary)
- 3% cash back on e-commerce, e-wallet & auto-billings transactions with AFFIN DUO Visa Cash Back
- 3X AFFIN Rewards Points on dining, groceries & petrol with AFFIN DUO Mastercard Rewards
- 3 years annual fee waiver
Fee waiver and finance charges
Fee waiver: Waived for first three (3) years; Twelve (12) retail transactions per annum.
- AFFIN DUO Visa Cash Back-iAffin Bank · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM75 for each card (Principal); RM30 for each card (Supplementary)
- 3% cash back on e-commerce, e-wallet & auto-billings transactions with AFFIN DUO Visa Cash Back
- 3X AFFIN Rewards Points on dining, groceries & petrol with AFFIN DUO Mastercard Rewards
- 3 years annual fee waiver
Fee waiver and finance charges
Fee waiver: Waived for first three (3) years; Twelve (12) retail transactions per annum.
- AFFIN DUO+ MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM48,000Minimum Annual Income RM48,000
- Annual fee
- RM100 for each card (Principal); RM50 for each card (Supplementary)
- 3% cash back on contactless transactions* of up to RM100 per month with AFFIN DUO+ Visa
- 3X AFFIN Rewards Points on airlines, e-Commerce/online, duty free, hotels and overseas transactions with AFFIN DUO+ Mastercard
- 3 years annual fee waiver *Terms and conditions apply
Fee waiver and finance charges
Fee waiver: Waived for first three (3) years; Twelve (12) retail transactions per annum.
- AFFIN DUO+ VisaAffin Bank · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Annual Income RM48,000
- Annual fee
- RM100 for each card (Principal); RM50 for each card (Supplementary)
- 3% cash back on contactless transactions* of up to RM100 per month with AFFIN DUO+ Visa
- 3X AFFIN Rewards Points on airlines, e-Commerce/online, duty free, hotels and overseas transactions with AFFIN DUO+ Mastercard
- 3 years annual fee waiver *Terms and conditions apply
Fee waiver and finance charges
Fee waiver: Waived for first three (3) years; Twelve (12) retail transactions per annum.
- AFFIN INVIKTA Visa InfiniteAffin Bank · Conventional · Visa
- Minimum annual income
- RM150,000Minimum Annual Income RM150,000
- Annual fee
- RM500 (Principal); RM400 (Supplementary)
- 5X AFFIN Rewards Points for overseas retail transactions
- 1X AFFIN Rewards Point for local retail transactions
- Complimentary green fees at participating golf courses
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM100,000 or Twelve (12) retail transactions per annum. AFFIN Premier Wealth INVIKTA: Waived for life.
- AFFIN INVIKTA World MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM150,000Minimum Annual Income RM150,000
- Annual fee
- RM500 (Principal); RM400 (Supplementary)
- 5X AFFIN Rewards Points for overseas retail transactions
- 1X AFFIN Rewards Point for local retail transactions
- Complimentary green fees at participating golf courses
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM100,000 or Twelve (12) retail transactions per annum. AFFIN Premier Wealth INVIKTA: Waived for life.
- AFFIN INVIKTA World Mastercard-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM150,000Minimum Annual Income RM150,000
- Annual fee
- RM500 (Principal); RM400 (Supplementary)
- 5X AFFIN Rewards Points for overseas retail transactions
- 1X AFFIN Rewards Point for local retail transactions
- Complimentary green fees at participating golf courses
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM100,000 or Twelve (12) retail transactions per annum. AFFIN Premier Wealth INVIKTA: Waived for life.
- AFFIN Mastercard Basic-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- Waived for life
- The Islamic starter card with lifetime annual fee waiver
- AFFIN Mastercard GoldAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM150 (Principal); RM75 (Supplementary)
- 1X AFFIN Rewards Point for retail transactions
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM24,000 or Twelve (12) retail transactions per annum.
- AFFIN Mastercard Gold-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM150 (Principal); RM75 (Supplementary)
- 1X AFFIN Rewards Point for retail transactions
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM24,000 or Twelve (12) retail transactions per annum.
- AFFIN MPN CardAffin Bank · Conventional
- Minimum annual income
- RM24,000Min Annual Income RM 24,000
- Annual fee
- Waived for life
- 3X AFFIN Rewards Lifetime on Auto-Billing, E-Wallet, Online/e-Commerce, Dining, Hotel, Airlines and Overseas
- Complimentary* green fees at participating golf courses
- 6X Complimentary* access to selected Plaza Premium Lounge
- AFFIN UiTM Credit CardAffin Bank · Conventional
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- Waived for life
- 5X AFFIN Rewards Points for transactions on weekends
- 1X AFFIN Rewards Point for transaction on weekdays
- 4X complimentary* access to selected Plaza Premium Lounges
- AFFIN UiTM Credit Card-iAffin Bank · Islamic
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- Waived for life
- 5X AFFIN Rewards Points for transactions on weekends
- 1X AFFIN Rewards Point for transaction on weekdays
- 4X complimentary* access to selected Plaza Premium Lounges
- AFFIN UKM Alumni MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum income of RM2,000 per month or RM24,000 per year.
- Annual fee
- Waived for life
- Discount up to 50% alumni benefits/ privileges at UKM
- 3X AFFIN Rewards Lifetime on dining, overseas transactions and e-Commerce/Online
- Lifetime annual fee waiver
- AFFIN UKM Alumni Premier WorldAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM80,000Minimum income of RM7,000 per month or RM80,000 per year.
- Annual fee
- Waived for life
- Discount up to 50% alumni benefits/ privileges at UKM
- 3X AFFIN Rewards Lifetime on dining, overseas transactions and e-Commerce/Online
- Lifetime annual fee waiver
- AFFIN Visa GoldAffin Bank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Annual Income RM24,000
- Annual fee
- RM150 (Principal); RM75 (Supplementary)
- 1X AFFIN Rewards Point for retail transactions
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM24,000 or Twelve (12) retail transactions per annum.
- AFFIN World MastercardAffin Bank · Conventional · Mastercard
- Minimum annual income
- RM80,000Minimum Annual Income RM80,000
- Annual fee
- RM500 (Principal); RM400 (Supplementary)
- 3X AFFIN Rewards Points for overseas retail transactions
- 1X AFFIN Rewards for other retail spend
- Complimentary* green fees at participating golf courses
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM48,000 or Twelve (12) retail transactions per annum.
- AFFIN World Mastercard-iAffin Bank · Islamic · Mastercard
- Minimum annual income
- RM80,000Minimum Annual Income RM80,000
- Annual fee
- RM500 (Principal); RM400 (Supplementary)
- 3X AFFIN Rewards Points for overseas retail transactions
- 1X AFFIN Rewards for other retail spend
- Complimentary* green fees at participating golf courses
Fee waiver and finance charges
Fee waiver: Waived for first year; subsequent waiver: RM48,000 or Twelve (12) retail transactions per annum.
- Al Rajhialrajhi bank Malaysia Visa Platinum Credit Card-iAl Rajhi Bank · Islamic · Visa
- Minimum annual income
- RM24,000Minimum annual income: RM24,000
- Annual fee
- Platinum Principal and Supplementary: Waived
- Enjoy 5% cashback on dining, groceries, online transactions, and utility payments, capped at RM30 per month.
- Unlimited 0.2% cashback on all other eligible retail purchases.
Fee waiver and finance charges
Fee waiver: Annual fee is waived for life on both principal and supplementary cards.
- Al Rajhialrajhi bank Malaysia Visa Signature Credit Card-iAl Rajhi Bank · Islamic · Visa
- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- Signature Principal: RM500.00; Signature Supplementary: RM300.00
- Earn up to 10% cashback on overseas spend
- Complimentary Priority Pass lounge visits
- 24/7 Visa concierge service
Fee waiver and finance charges
Fee waiver: Annual fee is waived for the first year. For the second year onwards, the annual fee will remain waived if the Card is used at least once every calendar month for the past 12 months.
Visa Basic Credit CardAlliance Bank · Conventional · Visa- Minimum annual income
- RM24,000The minimum income requirement is RM24,000 per annum.
- Annual fee
- Annual fee: a) Principal: No charge b) Supplementary: No charge •
- No annual fee, zero-frills credit card.
- Visa Infinite Credit CardAlliance Bank · Conventional · Visa
- Minimum annual income
- RM60,000The minimum income requirement is RM60,000 per year.
- Annual fee
- Annual fee: a) Principal: RM438 (waived for the first year) b) Supplementary: Not applicable •
- Earn 10x Three-year Bonus Points on overseas transactions.
- Unlimited complimentary access to airport lounges.
Fee waiver and finance charges
Fee waiver: Annual fee waived for the first year.
- Visa Platinum Credit CardAlliance Bank · Conventional · Visa
- Minimum annual income
- RM24,000The annual income required is RM24,000 per annum.
- Annual fee
- Annual fee: a) Principal: RM120 (waived for the first year) b) Supplementary: Not applicable •
- Earn up to 5x Three-year Bonus Points (TBP) for your daily spending.
Fee waiver and finance charges
Fee waiver: Annual fee waived for the first year.
- Visa Signature Credit CardAlliance Bank · Conventional · Visa
- Minimum annual income
- RM48,000The minimum annual income required is RM48,000 per annum.
- Annual fee
- Annual fee: a) Principal: RM148 (waived for the first year) b) Supplementary: Not applicable •
- Extraordinary cashback, up to 5% on all purchases
Fee waiver and finance charges
Fee waiver: Annual fee waived for the first year.
- Visa Signature Credit Card for Alliance PrivilegeAlliance Bank · Conventional · Visa
- Minimum annual income
- RM48,000The minimum annual income required is RM48,000 per annum.
- Annual fee
- Annual fee: a) Principal: RM148 (waived for the first year) b) Supplementary: Not applicable •
- Up to 8% cashback
- Airport Lounge Complimentary Access
- 0% Buy Now, Pay Later
Fee waiver and finance charges
Fee waiver: Annual fee waived for the first year.
- Visa Virtual Credit Card (allianceonline mobile app)Alliance Bank · Conventional · Visa
- Minimum annual income
- RM24,000Annual Income of Minimum RM24,000 p.a.
- Annual fee
- Annual fee: a) Principal: No charge b) Supplementary: No charge •
- Dynamic Card Number to protect your identity.
- Zero Annual Fee.
AmBank BonusLink Visa Platinum Credit CardAmBank · Conventional · Visa- Minimum annual income
- RM24,000Minimum annual income of RM24,000
- Annual fee
- RM90.00 (Principal); Free For Life with no conditions (Supplementary)
- Enjoy a complimentary one-year Shell Gold Tier Membership
Fee waiver and finance charges
Fee waiver: Waived for the first 2 years. Subsequent years annual fee is waived with a minimum of 12 swipes per annum.
- AmBank BonusLink Visa Signature Credit CardAmBank · Conventional · Visa
- Minimum annual income
- RM80,000Minimum annual income of RM80,000
- Annual fee
- RM550.00 (Principal); Free For Life with no conditions (Supplementary)
- Enjoy a complimentary one-year Shell Gold Tier Membership
Fee waiver and finance charges
Fee waiver: Waived for the first 2 years. Subsequent years annual fee is waived with a minimum of 12 swipes per annum.
- AmBank Cash Rebate Visa Platinum CardAmBank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum annual income of RM24,000 per annum
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Islamic SIGNATURE Priority Banking World MastercardAmBank · Islamic · Mastercard
- Minimum annual income
- RM120,000Minimum Income: RM120,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Fast Track Your Frequent Flyer Miles
- Unlimited Plaza Premium Lounge Access
- Travel Insurance/ Travel Takaful
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Islamic Visa InfiniteAmBank · Islamic · Visa
- Minimum annual income
- RM120,000Minimum Income: RM120,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Unlock Exclusive Travel Experiences
- Fast Track Your Frequent Flyer Miles
- 6x Plaza Premium Lounge Access
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Islamic Visa Platinum CardAmBank · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Income: RM24,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Travel Insurance/Travel Takaful
- Payment Made Easy
- Easy Payment Plan
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Islamic Visa Platinum CARz CardAmBank · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Income: Platinum Visa Card: RM24,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Tap to pay with Google Pay
- Easy Payment Plan
- Take it easy with AmFlexi-Pay
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Islamic Visa Signature CardAmBank · Islamic · Visa
- Minimum annual income
- RM80,000Minimum Income: RM80,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Fast Track Your Frequent Flyer Miles
- 6X Plaza Premium Lounge Access
- Travel Insurance/ Travel Takaful
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank SIGNATURE Priority Banking World MastercardAmBank · Conventional · Mastercard
- Minimum annual income
- RM120,000Minimum Income: RM120,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Fast Track Your Frequent Flyer Miles
- Unlimited Plaza Premium Lounge Access
- Travel Insurance/ Travel Takaful
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank UnionPay Platinum CardAmBank · Conventional · UnionPay
- Minimum annual income
- RM60,000Minimum Income: RM60,000 p.a.
- Annual fee
- RM450.00 (Principal); Free For Life with no conditions (Supplementary)
- 2X Plaza Premium Lounge Access
- Travel Insurance
- Enjoy more with UnionPay!
Fee waiver and finance charges
Fee waiver: Annual fee is waived for the first one (1) year, subsequent years' annual fee is waived with a minimum spending of RM20,000 per annum.
- AmBank Visa InfiniteAmBank · Conventional · Visa
- Minimum annual income
- RM120,000Minimum Income: RM120,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Unlock Exclusive Travel Experiences
- Fast Track Your Frequent Flyer Miles
- 6x Plaza Premium Lounge Access
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Visa Platinum CardAmBank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Income: RM24,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Travel Insurance/Travel Takaful
- Payment Made Easy
- Easy Payment Plan
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank Visa Signature CardAmBank · Conventional · Visa
- Minimum annual income
- RM80,000Minimum Income: RM80,000 p.a.
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Fast Track Your Frequent Flyer Miles
- 6X Plaza Premium Lounge Access
- Travel Insurance/ Travel Takaful
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
Bank Islam Mastercard Gold Credit Card-iBank Islam · Islamic · Mastercard- Minimum annual income
- RM24,000Minimum Income Requirement: RM24,000 p.a.
- Annual fee
- 130 (Primary Card RM); 60 (Supplementary Card RM)
- Unlimited 1 TruPoints for every RM1 spend.
Fee waiver and finance charges
Fee waiver: The annual fee for the Principal Card and Supplementary Card is waived, subject to a minimum of 12 transactions per year or a minimum annual retail spending of RM120.
- Bank Islam Mastercard Inspire Credit Card-iBank Islam · Islamic · Mastercard
- Minimum annual income
- RM36,000Minimum Annual Income RM36,000
- Annual fee
- Full annual fee waiver
- Lifetime annual fee waiver
- Earn up to 2X TruPoints on airlines transaction and online transaction
- 2X complimentary access to Plaza Premium Lounge per year
Fee waiver and finance charges
Fee waiver: A full annual fee waiver is granted to Principal Cardholders and Supplementary Cardholders of the Mastercard World Premier Wealth and Mastercard Platinum (Inspire) cards.
- Bank Islam Mastercard Platinum Credit Card-iBank Islam · Islamic · Mastercard
- Minimum annual income
- RM36,000Minimum Annual Income RM36,000
- Annual fee
- 388 (Primary Card RM); 150 (Supplementary Card RM)
- Earn up to 2 TruPoints on contactless transaction & petrol.
Fee waiver and finance charges
Fee waiver: The annual fee for the Principal Card and Supplementary Card is waived, subject to a minimum of 12 transactions per year or a minimum annual retail spending of RM120.
- Bank Islam Visa Gold Credit Card-iBank Islam · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Income Requirement: RM24,000 p.a.
- Annual fee
- 130 (Primary Card RM); 60 (Supplementary Card RM)
- Enjoy up to 3% Cash Back for Online transaction, Auto Billings, Grocery and Dining.
Fee waiver and finance charges
Fee waiver: The annual fee for the Principal Card and Supplementary Card is waived, subject to a minimum of 12 transactions per year or a minimum annual retail spending of RM120.
- Bank Islam Visa Infinite Credit Card-iBank Islam · Islamic · Visa
- Minimum annual income
- RM100,000Minimum Annual Income RM100,000
- Annual fee
- 777 (Primary Card RM); 333 (Supplementary Card RM)
- Enjoy up to 8% Cash Back for Online transaction, Auto Billings, Grocery and Dining.
Fee waiver and finance charges
Fee waiver: The annual fee for the Principal Card and Supplementary Card is waived, subject to a minimum of 12 transactions per year or a minimum annual retail spending of RM120.
- Bank Islam Visa Platinum Credit Card-iBank Islam · Islamic · Visa
- Minimum annual income
- RM36,000Minimum Annual Income RM36,000
- Annual fee
- 388 (Primary Card RM); 150 (Supplementary Card RM)
- Enjoy up to 5% Cash Back for Online transaction, Auto Billings, Grocery and Dining.
Fee waiver and finance charges
Fee waiver: The annual fee for the Principal Card and Supplementary Card is waived, subject to a minimum of 12 transactions per year or a minimum annual retail spending of RM120.
Bank Rakyat Cikgu Sejati Credit Card-iBank Rakyat · Islamic · Mastercard- Minimum annual income
- RM24,000Annual Income: RM24,000 above
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat Gold CardBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM36,000Annual Income: RM36,000 above
- Annual fee
- 150 (Primary RM); 80 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat Gold PDRM Credit Card-iBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: RM24,000 above
- Annual fee
- 150 (Primary RM); 80 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat Muslimah CardBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: Minimum RM24,000
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat My FIRSTBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: Minimum RM24,000
- Annual fee
- 150 (Primary RM); 80 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat PDRM Platinum Credit Card-iBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: RM24,000 above
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat Perodua Credit Card-iBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: Minimum RM24,000
- Annual fee
- 150 (Primary RM); 80 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat Platinum CardBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM60,000Annual Income: RM60,000 above
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: The annual fee is WAIVED for the first year. Annual fees are also waived for the second year and onwards, provided that at least one (1) usage in a year.
- Bank Rakyat Platinum Explorer CardBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM60,000Annual Income: RM60,000 above / RM5,000 Monthly.
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- No annual fees
- No mark-up rate for overseas transactions.
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
- Bank Rakyat Platinum Xclusive Explorer Credit Card-iBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM60,000Minimum Annual Income: RM60,000 and above
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- 5% Cash Back on Airlines & Hotel Bookings (5% Cash Back is CAPPED at maximum amount of RM1,000 per annnum
- 5x Complimentary access a year to Plaza Premier Lounge around the world.
Fee waiver and finance charges
Fee waiver: Annual Fee- Waived without condition.
- Bank Rakyat World Mastercard Credit Card-iBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM80,000Annual Income: RM80,000 above
- Annual fee
- 500 (Primary RM); - (Supplementary RM)
- Complimentary Mastercard features.
Fee waiver and finance charges
Fee waiver: The annual fee for WORLD Credit Card-i is WAIVED with RM40,000 spend a year
- PAUTM Bank Rakyat Credit Card-iBank Rakyat · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: Minimum RM24,000
- Annual fee
- 388 (Primary RM); 150 (Supplementary RM)
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’ (RM1,000).
Fee waiver and finance charges
Fee waiver: WAIVED annual fee without condition
BSN Al-Aiman Classic Mastercard Credit CardBSN · Islamic · Mastercard- Minimum annual income
- RM24,000Minimum Income: RM24,000 p.a.
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Al-Aiman Classic Visa Credit CardBSN · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Income: RM24,000 p.a.
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Al-Aiman Gold Mastercard Credit CardBSN · Islamic · Mastercard
- Minimum annual income
- RM36,000Minimum Income: RM36,000 p.a. / RM3,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Al-Aiman Gold Visa Credit CardBSN · Islamic · Visa
- Minimum annual income
- RM36,000Minimum Income: RM36,000 p.a. / RM3,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Al-Aiman Platinum Mastercard Credit CardBSN · Islamic · Mastercard
- Minimum annual income
- RM48,000Minimum Income: RM48,000 per annum / RM4,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- Up to 2x Happy Points
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Al-Aiman Platinum Visa Credit CardBSN · Islamic · Visa
- Minimum annual income
- RM48,000Minimum Income: RM48,000 per annum / RM4,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- Up to 2x Happy Points
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Classic Mastercard Credit CardBSN · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Income: RM24,000 p.a.
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Classic Visa Credit CardBSN · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Income: RM24,000 p.a.
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN G-Card Al-Aiman Visa Credit CardBSN · Islamic · Visa
- Minimum annual income
- RM24,000Minimum income: RM24,000 p.a. / RM2,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN G-Card Visa Credit CardBSN · Conventional · Visa
- Minimum annual income
- RM24,000Minimum income: RM24,000 p.a. / RM2,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Gold Mastercard Credit CardBSN · Conventional · Mastercard
- Minimum annual income
- RM36,000Minimum Income: RM36,000 p.a. / RM3,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Gold Visa Credit CardBSN · Conventional · Visa
- Minimum annual income
- RM36,000Minimum Income: RM36,000 p.a. / RM3,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Platinum Mastercard Credit CardBSN · Conventional · Mastercard
- Minimum annual income
- RM48,000Minimum Income: RM48,000 per annum / RM4,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- Up to 2x Happy Points
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Platinum Visa Credit CardBSN · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Income: RM48,000 per annum / RM4,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- Up to 2x Happy Points
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN Visa Cash Back Credit CardBSN · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Income: RM48,000 per annum / RM4,000 per month
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- 5% Cash Back on groceries, dining and petrol
- 0.2% Unlimited Cash Back on other local retail spend
- 1% Unlimited Cash Back on overseas retail spend
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN-AIAFAM Visa Platinum Credit CardBSN · Conventional · Visa
- Minimum annual income
- RM32,000Minimum income: RM32,000 p.a.
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- 0.8% Cash Back OR Zero Interest Plan (ZIP) for Life Insurance Premium
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN-Teachers Al-Aiman Mastercard Gold Credit CardBSN · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum income: RM24,000 p.a.
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN-UUM Al-Aiman Mastercard Gold Credit CardBSN · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Income: Platinum Card – RM60,000 per annum / Gold Card - RM24,000 per annum
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
- BSN-UUM Al-Aiman Mastercard Platinum Credit CardBSN · Islamic · Mastercard
- Minimum annual income
- RM60,000Minimum Income: Platinum Card – RM60,000 per annum / Gold Card - RM24,000 per annum
- Annual fee
- No annual fee for principal and supplementary Cardmembers for life (no conditions attached).
- No Annual Fee for Life
Fee waiver and finance charges
Fee waiver: No annual fee for life (no conditions attached).
CIMB Cash Rebate Platinum Credit CardCIMB · Conventional · Mastercard- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Up to 5% Cash Rebate on Groceries, Petrol, Cinema, Mobile and Utility Bill Payments.
- Unlimited 0.2% Cash Rebate on your online and retail shopping sprees.
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB e Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - RM 80 Supplementary Card - Waived 2
- 12X Bonus Points on eDay for online, auto-billing & contactless payments.
- 3X Bonus Points on other days for online, auto-billing & contactless payments.
- 1X Bonus Point on in-store PIN purchases.
Fee waiver and finance charges
Fee waiver: 2 Annual Fee Waiver Campaign from 1 January 2026 – 31 December 2028 New CIMB e Credit Principal Cardholders: Enjoy full Annual Fee Waiver for the first year based on Card Approval Date. From second year onwards, get full Annual Fee Waiver with minimum Total Annual Spend requirement of RM6,000. Existing CIMB e Credit Principal Cardholders: Enjoy full Annual Fee Waiver from 1 January 2026 to 31 December 2026. Effective 1 January 2027, Annual Fee waived with minimum Total Annual Spend requirement of RM6,000. Terms and Conditions apply. Refer to FAQ for more information.
- CIMB Lite-i Credit CardCIMB · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum annual income: RM24,000
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Lower Rate of 14% p.a. on retail and cash advance transactions
- 0% Flexi Payment Plan-i for 6 months
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB PETRONAS Visa Infinite-i Credit CardCIMB · Islamic · Visa
- Minimum annual income
- RM120,000Minimum Annual Income: RM120,000 per annum Lower income requirement of RM60,000 per annum for CIMB@Work customers.
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Up to 12% Cash Rebate on PETRONAS transaction and Setel transaction at PETRONAS.
- Complimentary 4x access to 150+ selected Plaza Premium Lounges worldwide.
- Up to 6% Cash Rebate for spend on Groceries, Dining and Cashless Parking.
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB PETRONAS Visa Platinum-i Credit CardCIMB · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Up to 8% Cash Rebate on PETRONAS transaction and Setel transaction at PETRONAS.
- Up to 2% Cash Rebate for spend on Groceries, Dining and Cashless Parking.
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Platinum Mastercard Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Earn 1 Bonus Point for every RM1 spent and redeem member rewards
- 0% Easy Pay payment plan for up to 36 months, interest-free
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Platinum-i Credit CardCIMB · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Earn Bonus Points and redeem gifts from our Member Rewards Catalogue
- Use your CIMB Bonus Points to redeem selected flights and hotels
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Travel Platinum Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - No Annual Fee Supplementary Card - No Annual Fee
- 5X Bonus Points on Overseas, Airlines and Duty Free stores
- Up to 4X Access to 150+ Plaza Premium Lounges worldwide
- 2X Bonus Points on other local spend
- CIMB Travel World Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- RM100,000Minimum Annual Income: RM100,000 Lower income requirement of RM60,000 per annum for CIMB@Work customers.
- Annual fee
- Annual Fees Principal Card - RM554.72 Supplementary Card - No Annual Fee
- 8X Bonus Points on Overseas, Airlines and Duty Free stores
- Up to 12X Access to 150+ Plaza Premium Lounges worldwide
- 2X Bonus Points on other local spend
Fee waiver and finance charges
Fee waiver: Annual Fee Waiver Total Annual Spending* Required: 100% RM10,000 Annual Fee Waiver Campaign for New-to-Card Customers RM60,000 Annual Fee Waiver Campaign for Existing-to-Card Customers RM120,000 Customers who do not fall or eligible under the above categories 50% RM60,000 Customers who do not fall or eligible under the above categories *Accumulated 12 months' retail spend prior to card annual fee date applies to the combined total of both principal and supplementary cards except for Annual Fee Waiver Campaign for New-to-Card Customers. *For New-to-Card Customers, a minimum spend of RM15,000 applies to the combined total of both principal and supplementary cards within 120 days from the card approval date to enjoy the annual fee waiver. *Please see the details of the Annual Fee Waiver campaigns below. Annual Fee Waiver Campaign for New-to-Card Customers Spend a minimum of RM 10,000 within 120 days of card approval date to enjoy annual fee waiver Campaign Period 1 October 2026 – 31 December 2026 Terms and Condition apply. Annual Fee Waiver Campaign for Existing-to-Card Customers Enjoy 100% Annual Fee Waiver with a spend of minimum RM60,000 annually* and meet the required number of repayment** to your CIMB Travel World Credit Card via CIMB Current Account/-i and/or Savings Account/-i. *Refers to the total Eligible Transaction(s) in the 12-month period prior to the Card Annual Fee Date. ** The required number of repayments varies according to the Card Annual Fee Month. Campaign Period: 1 January 2026 – 31 December 2026 Terms and Conditions apply.
- CIMB Travel World Elite Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- RM250,000Minimum Annual Income: RM250,000
- Annual fee
- Annual Fees Principal Card - RM1,215.09 Supplementary Card - No Annual Fee
- 10X Bonus Points on Overseas, Airlines and Duty Free stores
- Complimentary 12X Access to 150+ Plaza Premium Lounges worldwide
- 2X Bonus Points on other local spend
Fee waiver and finance charges
Fee waiver: Annual Fee Waiver Total Minimum Spending Required* 100% RM15,000 Annual Fee Waiver Campaign for New-to-Card Customers RM120,000 Annual Fee Waiver Campaign for Existing-to-Card Customers RM240,000 Customers who do not fall or eligible under the above categories 50% RM60,000 Annual Fee Waiver Campaign for Existing-to-Card Customers RM120,000 Customers who do not fall or eligible under the above categories *Accumulated 12 months' retail spend prior to card annual fee date applies to the combined total of both principal and supplementary cards except for Annual Fee Waiver Campaign for New-to-Card Customers. *For New-to-Card Customers, a minimum spend of RM15,000 applies to the combined total of both principal and supplementary cards within 120 days from the card approval date to enjoy the annual fee waiver. *Please see the details of the Annual Fee Waiver campaigns below. Annual Fee Waiver Campaign for New-to-Card Customers Spend a minimum of RM 15,000 within 120 days of card approval date to enjoy annual fee waiver Campaign Period 1 October 2026 – 31 December 2026 *For New-to-Card only Terms and Conditions apply. Annual Fee Waiver Campaign for Existing-to-Card Customers Enjoy 100% Annual Fee Waiver with a spend of minimum RM120,000 annually* and meet the required number of repayment** to your CIMB Travel World Elite Credit Card via CIMB Current Account/-i and/or Savings Account/-i; or Enjoy 50% Annual Fee Waiver with a spend of minimum RM60,000 annually* and meet the required number of repayment** to your CIMB Travel World Elite Credit Card via CIMB Current Account/-i and/or Savings Account/-i. * Refers to the total Eligible Transaction(s) in the 12-month period prior to the Card Annual Fee Date. ** The required number of repayments varies according to the Card Annual Fee Month. Campaign Period 1 January 2026 – 31 December 2026 Terms and Conditions apply.
- CIMB Visa Infinite Credit CardCIMB · Conventional · Visa
- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- 5X Bonus Points on Local Dining and Overseas Spend
- 5X Access to 150+ Selected Plaza Premium Lounges Worldwide.
- Earn up to 15,000 extra monthly bonus points (campaign conditions apply)
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Visa Platinum Credit CardCIMB · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000 per annum
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- Earn 1 Bonus Point for every RM1 spent and redeem member rewards
- 0% Easy Pay payment plan for up to 36 months, interest-free
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Visa Signature Credit CardCIMB · Conventional · Visa
- Minimum annual income
- RM36,000Minimum Annual Income: RM36,000 per annum
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- 2X Bonus Points on Overseas Spend
- 2X Access to 150+ selected Plaza Premium Lounge worldwide
- 1X Bonus Points for other local spend
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB World Mastercard Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- RM90,000Minimum Annual Income: RM90,000 per annum
- Annual fee
- Annual Fees Principal Card - No Annual Fee Supplementary Card - No Annual Fee
- 5X Bonus Points for purchase of Flight Tickets
- 1X Bonus Point for other local purchases
- Mastercard® Southeast Asia Golf - World Programme
Essential Credit CardHong Leong · Conventional · Visa- Minimum annual income
- RM24,000Minimum annual income of RM24,000 OR a minimum fixed deposit pledged of RM2,000
- Annual fee
- RM100 (Principal); RM50 (Supplementary)
- Earn up to 1% unlimited cashback
Fee waiver and finance charges
Fee waiver: Each Principal or Supplementary Cardholder (collectively and individually called “Cardholder”) who performs a minimum of one (1) Eligible Retail Transaction (as defined under Clause 3 below) of any amount using his Eligible Card within sixty (60) days from the approval date of the Eligible Card will be entitled to an annual fee waiver for the first (1st) year only (“Annual Fee Waiver”) for that Eligible Card.
- GSC Gold Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM24,000Minimum annual income of: - RM24,000 for GSC Gold Card - RM60,000 for GSC Platinum Card
- Annual fee
- RM150 (Principal); RM75 (Supplementary)
- Enjoy exclusive perks for movie experiences with this credit card.
Fee waiver and finance charges
Fee waiver: Each Principal or Supplementary Cardholder (collectively and individually called “Cardholder”) who performs a minimum of one (1) Eligible Retail Transaction (as defined under Clause 3 below) of any amount using his Eligible Card within sixty (60) days from the approval date of the Eligible Card will be entitled to an annual fee waiver for the first (1st) year only (“Annual Fee Waiver”) for that Eligible Card.
- GSC Platinum Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM60,000Minimum annual income of: - RM24,000 for GSC Gold Card - RM60,000 for GSC Platinum Card
- Annual fee
- RM300 (Principal); RM150 (Supplementary)
- Enjoy exclusive perks for movie experiences with this credit card.
Fee waiver and finance charges
Fee waiver: Each Principal or Supplementary Cardholder (collectively and individually called “Cardholder”) who performs a minimum of one (1) Eligible Retail Transaction (as defined under Clause 3 below) of any amount using his Eligible Card within sixty (60) days from the approval date of the Eligible Card will be entitled to an annual fee waiver for the first (1st) year only (“Annual Fee Waiver”) for that Eligible Card.
- I’m Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM24,000Minimum annual income RM24k OR a minimum fixed deposit pledged of RM2,000
- Annual fee
- No charge (Principal); No charge (Supplementary)
- No Annual Fee and no 1% foreign exchange conversion mark-up.
Fee waiver and finance charges
Fee waiver: I’m credit card Annual Fee is waived for life with no conditions attached.
- Infinite Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM100,000Minimum annual income of RM100,000
- Annual fee
- No charge (Principal); No charge (Supplementary)
- HLB Infinite Credit Card that rewards you with Enrich Points and travel privileges
- Infinite Doctor’s Edition Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM48,000Minimum annual income of RM48,000
- Annual fee
- No charge (Principal); No charge (Supplementary)
- exclusively for doctors and dentists.
- Sutera Platinum Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM36,000Minimum annual income of RM36,000 OR a minimum fixed deposit pledged of RM3,000
- Annual fee
- RM120 (Principal); RM60 (Supplementary)
- Earn up to 8X HLB Reward Points with this credit card.
Fee waiver and finance charges
Fee waiver: Each Principal or Supplementary Cardholder (collectively and individually called “Cardholder”) who performs a minimum of one (1) Eligible Retail Transaction (as defined under Clause 3 below) of any amount using his Eligible Card within sixty (60) days from the approval date of the Eligible Card will be entitled to an annual fee waiver for the first (1st) year only (“Annual Fee Waiver”) for that Eligible Card.
- WISE Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- RM24,000Minimum annual income of RM24k OR a minimum fixed deposit pledged of RM2,000
- Annual fee
- RM98 (Principal); RM48 (Supplementary)
- Wise Up to enjoy as much as 15% Cashback on your spend with HLB Wise Credit Card
Fee waiver and finance charges
Fee waiver: Each Principal or Supplementary Cardholder (collectively and individually called “Cardholder”) who performs a minimum of one (1) Eligible Retail Transaction (as defined under Clause 3 below) of any amount using his Eligible Card within sixty (60) days from the approval date of the Eligible Card will be entitled to an annual fee waiver for the first (1st) year only (“Annual Fee Waiver”) for that Eligible Card.
HSBC Amanah MPower Credit Card-iHSBC · Islamic- Minimum annual income
- RM24,000minimum annual income of RM 24,000 p.a.
- Annual fee
- Waived (Primary); Waived (Supplementary)
- Enjoy a lifetime annual fee waiver when you apply for HSBC Amanah MPower Credit Card-i.
- HSBC Amanah MPower Platinum Credit Card-iHSBC · Islamic
- Minimum annual income
- RM102,000minimum annual income of RM 102,000
- Annual fee
- RM240 (Primary); RM120 (Supplementary)
- Earn up to 8% cashback on everyday petrol and grocery spending and any purchases through selected eWallets.
Fee waiver and finance charges
Fee waiver: No annual fee in the first year. For subsequent years, the annual fee will be waived if you meet the annual retail spend requirement: RM6,000.
- HSBC Live+ Credit CardHSBC · Conventional
- Minimum annual income
- RM102,000minimum annual income of RM102,000
- Annual fee
- 300 (Primary RM); 150 (Supplementary RM)
- Dine, shop and have fun with extra cashback.
Fee waiver and finance charges
Fee waiver: No annual fee in the first year. For subsequent years, the annual fee will be waived if you meet the annual retail spend requirement: RM24,000.
- HSBC TravelOne Mastercard Credit CardHSBC · Conventional · Mastercard
- Minimum annual income
- RM102,000minimum annual income of RM102,000 p.a.
- Annual fee
- 300 (Primary RM); 150 (Supplementary RM)
- Instant reward redemption with an extensive selection of airline and hotel partners.
Fee waiver and finance charges
Fee waiver: No annual fee in the first year. For subsequent years, the annual fee will be waived if you meet the annual retail spend requirement: RM20,000.
- HSBC Visa Platinum Credit CardHSBC · Conventional · Visa
- Minimum annual income
- RM102,000minimum annual income of RM102,000 p.a.
- Annual fee
- 240 (Primary RM); 120 (Supplementary RM)
- Earn 8× Reward points when you tap and pay, and 5× Reward points when you spend online, overseas or on groceries.
Fee waiver and finance charges
Fee waiver: No annual fee in the first year. For subsequent years, the annual fee will be waived if you meet the annual retail spend requirement: RM6,000.
- HSBC Visa Signature Credit CardHSBC · Conventional · Visa
- Minimum annual income
- RM102,000minimum annual income of RM102,000
- Annual fee
- 600 (Primary RM); 300 (Supplementary RM)
- Earn 8× Reward points when you spend in a foreign currency (online and overseas), and 5× Reward points on local purchases.
Fee waiver and finance charges
Fee waiver: No annual fee in the first year. For subsequent years, the annual fee will be waived if you meet the annual retail spend requirement: RM24,000.
- ICBCICBC UnionPay Dual Currency Classic Credit CardICBC Malaysia · Conventional · UnionPay
- Minimum annual income
- RM24,000Classic – RM24,000 per annum
- Annual fee
- Classic card Principal (RM) 75.00; Supplementary (RM) 35.00
- Retail spending of RM1 will earn 1 BP
- Retail spending of RMB2 will earn 1 BP
- Bonus Points (BP) without worry of the expiry date.
Fee waiver and finance charges
Fee waiver: First year annual fee waiver; waiver of second year annual fee onwards, swipe minimum 5 times in preceding 12 months
- ICBCICBC UnionPay Dual Currency Gold Credit CardICBC Malaysia · Conventional · UnionPay
- Minimum annual income
- RM60,000Gold – RM60,000 per annum
- Annual fee
- Gold card Principal (RM) 150.00; Supplementary (RM) 75.00
- Retail spending of RM1 will earn 1 BP
- Retail spending of RMB2 will earn 1 BP
- Bonus Points (BP) without worry of the expiry date.
Fee waiver and finance charges
Fee waiver: First year annual fee waiver; waiver of second year annual fee onwards, swipe minimum 5 times in preceding 12 months
- ICBCICBC UnionPay Dual Currency Platinum Credit CardICBC Malaysia · Conventional · UnionPay
- Minimum annual income
- RM120,000Platinum – RM120,000 per annum
- Annual fee
- Platinum card Principal (RM) 330.00; Supplementary (RM) 165.00
- Retail spending of RM1 will earn 1 BP
- Retail spending of RMB2 will earn 1 BP
- Bonus Points (BP) without worry of the expiry date.
Fee waiver and finance charges
Fee waiver: First year annual fee waiver; waiver of second year annual fee onwards, swipe minimum 3 times in preceding 12 months
- ICBCICBC Visa Classic Credit CardICBC Malaysia · Conventional · Visa
- Minimum annual income
- RM24,000Classic – RM24,000 per annum
- Annual fee
- Classic card Principal (RM) 75.00; Supplementary (RM) 35.00
- Retail spending of RM1 will earn 1 BP
- Retail spending of RMB2 will earn 1 BP
- Bonus Points (BP) without worry of the expiry date.
Fee waiver and finance charges
Fee waiver: First year annual fee waiver; waiver of second year annual fee onwards, swipe minimum 5 times in preceding 12 months
- ICBCICBC Visa Gold Credit CardICBC Malaysia · Conventional · Visa
- Minimum annual income
- RM60,000Gold – RM60,000 per annum
- Annual fee
- Gold card Principal (RM) 150.00; Supplementary (RM) 75.00
- Retail spending of RM1 will earn 1 BP
- Retail spending of RMB2 will earn 1 BP
- Bonus Points (BP) without worry of the expiry date.
Fee waiver and finance charges
Fee waiver: First year annual fee waiver; waiver of second year annual fee onwards, swipe minimum 5 times in preceding 12 months
- ICBCICBC Visa Platinum Credit CardICBC Malaysia · Conventional · Visa
- Minimum annual income
- RM120,000Platinum – RM120,000 per annum
- Annual fee
- Platinum card Principal (RM) 330.00; Supplementary (RM) 165.00
- Retail spending of RM1 will earn 1 BP
- Retail spending of RMB2 will earn 1 BP
- Bonus Points (BP) without worry of the expiry date.
Fee waiver and finance charges
Fee waiver: First year annual fee waiver; waiver of second year annual fee onwards, swipe minimum 3 times in preceding 12 months
American Express Platinum Credit CardMaybank · Conventional · Amex- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- 1st year fee waiver; RM800 (basic)
Fee waiver and finance charges
- American Express® Cash Back Gold Credit CardMaybank · Conventional · Amex
- Minimum annual income
- RM30,000Minimum annual income: RM30,000
- Annual fee
- Principal RM70 / Supplementary RM45 (first year fee waiver)
Fee waiver and finance charges
- Maybank 2 Cards Premier Reserve American Express® CardMaybank · Conventional · Amex
- Minimum annual income
- RM100,000minimum annual income of RM100,000
- Annual fee
- Waived for subsequent years with minimum spend of RM80,000 per annum
Fee waiver and finance charges
- Maybank 2 Gold CardsMaybank · Conventional
- Minimum annual income
- RM30,000Minimum annual income: RM30,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Maybank 2 Platinum CardsMaybank · Conventional
- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Maybank Cash Back Mastercard PlatinumMaybank · Conventional · Mastercard
- Minimum annual income
- RM24,000minimum annual income of RM24,000
- Annual fee
- Free for life
Fee waiver and finance charges
- Maybank FC Barcelona Visa Signature CardMaybank · Conventional · Visa
- Minimum annual income
- RM48,000Minimum Annual Income: RM48,000
- Annual fee
- Free for life
Fee waiver and finance charges
- Maybank Islamic Ikhwan American Express Platinum Card-iMaybank · Islamic · Amex
- Minimum annual income
- RM40,000Minimum annual income: RM40,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Maybank Islamic Ikhwan Mastercard Gold Card-iMaybank · Islamic · Mastercard
- Minimum annual income
- RM24,000minimum annual income of RM24,000
- Annual fee
- Free for life
Fee waiver and finance charges
- Maybank Islamic Ikhwan Mastercard Platinum Card-iMaybank · Islamic · Mastercard
- Minimum annual income
- RM40,000minimum income of RM40,000
- Annual fee
- Free for life
Fee waiver and finance charges
- Maybank Islamic Ikhwan Visa Infinite Card-iMaybank · Islamic · Visa
- Minimum annual income
- RM100,000Annual Income RM100,000
- Annual fee
- RM800
Fee waiver and finance charges
- Maybank Islamic myimpact Ikhwan Mastercard Platinum Credit Card-iMaybank · Islamic · Mastercard
- Minimum annual income
- RM24,000Annual Income: RM24,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-iMaybank · Islamic · Visa
- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Maybank Islamic World Elite Mastercard IkhwanMaybank · Islamic · Mastercard
- Minimum annual income
- RM190,000Annual Income: RM190,000
- Annual fee
- First year: Waived. Subsequent years: RM800, waived with a minimum annual spend
Fee waiver and finance charges
- Maybank Manchester United Visa CardMaybank · Conventional · Visa
- Minimum annual income
- RM30,000minimum annual income of RM30,000
- Annual fee
- Annual fee waiver for life, no minimum transactions
Fee waiver and finance charges
- Maybank Manchester United Visa InfiniteMaybank · Conventional · Visa
- Minimum annual income
- RM100,000Annual Income RM100,000
- Annual fee
- RM800 per annum
Fee waiver and finance charges
- Maybank Mastercard ClassicMaybank · Conventional · Mastercard
- Minimum annual income
- RM30,000Minimum annual income: RM30,000
- Annual fee
- RM60
Fee waiver and finance charges
- Maybank Mastercard GoldMaybank · Conventional · Mastercard
- Minimum annual income
- RM30,000minimum annual income of RM30,000
- Annual fee
- RM130
Fee waiver and finance charges
- Maybank Mastercard PlatinumMaybank · Conventional · Mastercard
- Minimum annual income
- RM60,000minimum annual income of RM60,000
- Annual fee
- RM550
Fee waiver and finance charges
- Maybank myimpact Visa Signature Credit CardMaybank · Conventional · Visa
- Minimum annual income
- RM36,000Annual Income: RM36,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Maybank PETRONAS Visa GoldMaybank · Conventional · Visa
- Minimum annual income
- RM30,000Minimum annual income: RM30,000
- Annual fee
- Free
Fee waiver and finance charges
- Maybank PETRONAS Visa PlatinumMaybank · Conventional · Visa
- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- Free
Fee waiver and finance charges
- Maybank Visa ClassicMaybank · Conventional · Visa
- Minimum annual income
- RM30,000Minimum annual income: RM30,000
- Annual fee
- RM60
Fee waiver and finance charges
- Maybank Visa Gold CreditMaybank · Conventional · Visa
- Minimum annual income
- RM30,000minimum annual income of RM30,000
- Annual fee
- RM130
Fee waiver and finance charges
- Maybank Visa InfiniteMaybank · Conventional · Visa
- Minimum annual income
- RM100,000Annual Income: RM100,000
- Annual fee
- First year: Free. Subsequent years: RM800
Fee waiver and finance charges
- Maybank Visa PlatinumMaybank · Conventional · Visa
- Minimum annual income
- RM60,000Minimum annual income: RM60,000
- Annual fee
- RM550
Fee waiver and finance charges
- Maybank Visa SignatureMaybank · Conventional · Visa
- Minimum annual income
- RM70,000Annual Income: RM70,000 to RM100,000
- Annual fee
- First year: Free. Subsequent years: RM550, waived with a minimum annual spend
Fee waiver and finance charges
- Maybank World Elite MastercardMaybank · Conventional · Mastercard
- Minimum annual income
- RM190,000Annual Income: RM190,000
- Annual fee
- First year: Waived. Subsequent years: RM800, waived with a minimum annual spend
Fee waiver and finance charges
- Nadi Mastercard Credit Card-iMaybank · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Annual Income: RM24,000
- Annual fee
- Lifetime fee waiver
Fee waiver and finance charges
- Shopee Visa Platinum Credit CardMaybank · Conventional · Visa
- Minimum annual income
- RM24,000minimum annual income of RM24,000
- Annual fee
- See the bank's page
Fee waiver and finance charges
- Singapore Airlines KrisFlyer American Express® Gold Credit CardMaybank · Conventional · Amex
- Minimum annual income
- RM36,000Minimum Annual Income RM36,000
- Annual fee
- RM100 (waived for the first year)
Fee waiver and finance charges
- Singapore Airlines KrisFlyer American Express® Platinum Credit CardMaybank · Conventional · Amex
- Minimum annual income
- RM60,000Minimum Annual Income RM60,000
- Annual fee
- RM300 (waived for the first year)
Fee waiver and finance charges
OCBC 365 MastercardOCBC · Conventional · Mastercard- Minimum annual income
- RM48,000Annual income Minimum RM48,000 per annum
- Annual fee
- Principal card RM100 a year; Supplementary card RM50 a year
- 10x OCBC$ on weekend spend for Dining, Groceries and Shopping
- 5x OCBC$ on weekday spend for Dining, Groceries and Shopping
- 1x OCBC$ on everyday spend for Utilities, Petrol and Insurance Premiums
Fee waiver and finance charges
Fee waiver: *Waived for first year, valid till 31 December 2026. For subsequent years, the fee will be waived if a minimum retail spend of RM20,000 p.a. is met.
- OCBC 90°N Visa CardOCBC · Conventional · Visa
- Minimum annual income
- RM60,000Annual income Minimum RM60,000 per annum
- Annual fee
- Principal card RM288 a year; Supplementary card RM88 a year
- Earn Travel$ anytime, anywhere and save for your next travels
- Up to RM1 million travel insurance
Fee waiver and finance charges
Fee waiver: *Waived for first year, valid till 31 December 2026. For subsequent years, the fee will be waived if a minimum retail spend of RM30,000 p.a. is met.
- OCBC Cashflo MastercardOCBC · Conventional · Mastercard
- Minimum annual income
- RM48,000Annual income Minimum RM48,000 per annum
- Annual fee
- Principal card RM188 a year; Supplementary card RM68 a year
- 0% Auto-IPP for 3 months on retail spending from RM500 to RM1,000
- 0% Auto-IPP for 6 months on retail spending above RM1,000
Fee waiver and finance charges
Fee waiver: *Waived for first year, valid till 31 December 2026. For subsequent years, the fee will be waived if a minimum retail spend of RM20,000 p.a. is met.
- OCBC Great Eastern Platinum MastercardOCBC · Conventional · Mastercard
- Minimum annual income
- RM48,000Annual income Minimum RM48,000 per annum
- Annual fee
- Annual fee RM0
- 2.5% cashback on Great Eastern insurance premiums, capped at RM100 per annum
- 0.1% unlimited cashback on other retail spending excluding Great Eastern insurance premiums
- OCBC Titanium MastercardOCBC · Conventional · Mastercard
- Minimum annual income
- RM48,000Annual income Minimum RM48,000 per annum
- Annual fee
- RM75 (Principal); No annual fee (Supplementary)
- 12x OCBC$ for Online and eWallet spend on Double Date and Pay Day sale
- 6x OCBC$ for Online and eWallet spend on other days
- 1x unlimited OCBC$ for all retail spend
Fee waiver and finance charges
Fee waiver: *Waived for first year, valid till 31 December 2026. For subsequent years, the fee will be waived if a minimum retail spend of RM20,000 p.a. is met.
Mutual Gold-PB Visa Platinum Credit CardPublic Bank · Conventional · Visa- Minimum annual income
- RM80,000Minimum Income Requirement : RM 80,000 p.a
- Annual fee
- Free-For-Life as long as Mutual Gold/Mutual Elite/Mutual Signature/Mutual Platinum and Mutual Prestige status is maintained with Public Mutual Berhad
- A card by invitation for Members of Public Mutual
Fee waiver and finance charges
Fee waiver: Free-For-Life as long as Mutual Gold/Mutual Elite/Mutual Signature/Mutual Platinum and Mutual Prestige status is maintained with Public Mutual Berhad
- PB Gold MasterCard Credit CardPublic Bank · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Income Requirement : RM24,000 per annum
- Annual fee
- RM150 (Principal); RM100 (Supplementary)
- Earn 0.1% unlimited Cash MegaBonus for every Ringgit spent.
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- PB Platinum MasterCard Credit CardPublic Bank · Conventional · Mastercard
- Minimum annual income
- RM50,000Minimum Income Requirement : RM50,000 per annum
- Annual fee
- RM333 (Principal); RM150 (Supplementary)
- Earn 1x VIP Points for every Ringgit spent
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- PB Quantum Mastercard Credit CardPublic Bank · Conventional · Mastercard
- Minimum annual income
- RM36,000Minimum Income Requirement : RM36,000 per annum
- Annual fee
- Free-For-Life without condition
- 2% Cash Back on overseas transactions with minimum RM100 per transaction, capped at RM20 per monthly statement cycle
Fee waiver and finance charges
Fee waiver: Free-For-Life without condition
- PB Quantum Visa Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM36,000Minimum Income Requirement : RM36,000 per annum
- Annual fee
- Free-For-Life without condition
- 1% Cash Back on contactless transactions with minimum RM100 per transaction, capped at RM20 per monthly statement cycle
Fee waiver and finance charges
Fee waiver: Free-For-Life without condition
- PB Visa Gold Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Income Requirement : RM24,000 per annum
- Annual fee
- RM150 (Principal); RM100 (Supplementary)
- Earn 0.1% unlimited Cash MegaBonus for every Ringgit spent
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- PB Visa Infinite Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM100,000Minimum Income Requirement : RM100,000 per annum
- Annual fee
- Free-For-Life without condition for Principal and first Supplementary Card. Note: Second and subsequent Supplementary Cards issued will be charged an annual fee of RM250 per Supplementary Card.
- Earn up to 1% unlimited Cash MegaBonus for every Ringgit spent
Fee waiver and finance charges
Fee waiver: Free-For-Life without condition for Principal and first Supplementary Card. Note: Second and subsequent Supplementary Cards issued will be charged an annual fee of RM250 per Supplementary Card.
- PB Visa Platinum Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM50,000Minimum Income Requirement : RM50,000 per annum
- Annual fee
- RM333 (Principal); RM150 (Supplementary)
- Earn 0.2% unlimited Cash MegaBonus for every Ringgit spent
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- PB Visa Signature Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM80,000Minimum Income Requirement : RM80,000 per annum
- Annual fee
- RM388 (Principal); RM200 (Supplementary)
- Enjoy 2% Cash Back and earn Green Points & VIP Points for your purchases
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- PB World MasterCard Credit CardPublic Bank · Conventional · Mastercard
- Minimum annual income
- RM100,000Minimum Income Requirement : RM100,000 per annum
- Annual fee
- Free-For-Life without condition
- Earn up to 5x AirMiles Points for every Ringgit spent
Fee waiver and finance charges
Fee waiver: Free-For-Life without condition
- PB-AIA Visa Gold Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Income Requirement : RM24,000 per annum
- Annual fee
- Free-For-Life without condition
- 0.2% cash rebate on your insurance premium and 0.1% Cash MegaBonus for your other purchases.
Fee waiver and finance charges
Fee waiver: Free-For-Life without condition
- PB-Petron Visa Gold Credit CardPublic Bank · Conventional · Visa
- Minimum annual income
- RM24,000Minimum Income Requirement : RM24,000 per annum
- Annual fee
- Free-For-Life without condition
- Earn up to 5% Cash Rebate at any Petron service station & unlimited 0.1% Cash MegaBonus on other retail purchases
Fee waiver and finance charges
Fee waiver: Free-For-Life without condition
- Public Islamic Bank Gold MasterCard Credit Card-iPublic Bank · Islamic · Mastercard
- Minimum annual income
- RM24,000Minimum Income Requirement : RM24,000 per annum
- Annual fee
- RM150 (Principal); RM100 (Supplementary)
- Earn 1% Cash Back on grocery transactions
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- Public Islamic Bank Platinum MasterCard Credit Card-iPublic Bank · Islamic · Mastercard
- Minimum annual income
- RM40,000Minimum Income Requirement : RM40,000 per annum
- Annual fee
- RM333 (Principal); RM150 (Supplementary)
- Earn 2% Cash Back on grocery & department store transactions
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- Public Islamic Bank Visa Gold Credit Card-iPublic Bank · Islamic · Visa
- Minimum annual income
- RM24,000Minimum Income Requirement : RM24,000 per annum
- Annual fee
- RM150 (Principal); RM100 (Supplementary)
- Earn 1% Cash Back on online transactions
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
- Public Islamic Bank Visa Platinum Credit Card-iPublic Bank · Islamic · Visa
- Minimum annual income
- RM40,000Minimum Income Requirement : RM40,000 per annum
- Annual fee
- RM333 (Principal); RM150 (Supplementary)
- Earn 2% Cash Back on online & overseas transactions
Fee waiver and finance charges
Fee waiver: First year annual fee waived & subsequent years’ annual fee waiver is based on a minimum of 12 transactions over the preceding 12 months.
RHB Cash Back Credit CardRHB · Conventional · Visa- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 70 (Principal RM); Waived (Supplementary RM)
- Up to 10% cashback on selected retail purchases
Fee waiver and finance charges
Fee waiver: Principal Card First year : No Annual Fees Subsequent years : RM70 per annum. (will be waived subject to minimum RM10,000 spends per year) Supplementary Card Annual Fees waived.
- RHB Cash Back Credit Card-iRHB · Islamic · Visa
- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 70 (Principal RM); Waived (Supplementary RM)
- Up to 10% cashback on selected retail purchases
Fee waiver and finance charges
Fee waiver: Principal Card First year : No Annual Fees Subsequent years : RM70 per annum. (will be waived subject to minimum RM10,000 spends per year) Supplementary Card Annual Fees waived.
- RHB Rewards Credit CardRHB · Conventional
- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 200 (Principal RM); Waived (Supplementary RM)
- Up to 10x Loyalty Points on retail purchases Unlimited Loyalty Plus and Loyalty points
Fee waiver and finance charges
Fee waiver: Principal Card First year: No Annual Fees Subsequent years: RHB Rewards Credit Card-i: RM200 per annum. (will be waived if cardholder spends RM10,000 in a year) Supplementary Card Annual Fees waived.
- RHB Rewards Credit Card-iRHB · Islamic
- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 200 (Principal RM); Waived (Supplementary RM)
- Up to 10x Loyalty Points on retail purchases Unlimited Loyalty Plus and Loyalty points
Fee waiver and finance charges
Fee waiver: Principal Card First year: No Annual Fees Subsequent years: RHB Rewards Credit Card-i: RM200 per annum. (will be waived if cardholder spends RM10,000 in a year) Supplementary Card Annual Fees waived.
- RHB Shell Visa Credit CardRHB · Conventional · Visa
- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 195 (Principal RM); Waived (Supplementary RM)
- Up to 12% cashback when fueling at Shell Up to 5% cash back for Groceries, Online Spend, and more
Fee waiver and finance charges
Fee waiver: Principal Card First year: No Annual Fees Subsequent years: RM195 per annum. (will be waived subject to minimum 24 swipes per year) Supplementary Card Annual Fees waived.
- RHB Shell Visa Credit Card-iRHB · Islamic · Visa
- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 195 (Principal RM); Waived (Supplementary RM)
- Up to 12% cashback when fueling at Shell Up to 5% cash back for Groceries, Online Spend, E-wallet Top Up & Utility Bills
Fee waiver and finance charges
Fee waiver: Principal Card First year: No Annual Fees Subsequent years: RM195 per annum. (will be waived subject to minimum 24 swipes per year) Supplementary Card Annual Fees waived.
- RHB Visa Infinite Credit CardRHB · Conventional · Visa
- Minimum annual income
- RM150,000minimum income of RM150,000 per annum
- Annual fee
- Waived (Principal); Waived (Supplementary)
- 5x Loyalty Plus points for Overseas spend Unlimited access to selected airport lounges in Malaysia and Singapore Travel insurance up to RM2,000,000
- RHB Visa MyEG Credit CardRHB · Conventional · Visa
- Minimum annual income
- RM24,000minimum income of RM24,000 per annum
- Annual fee
- 88 (Principal RM); Waived (Supplementary RM)
- Up to 5x Loyalty Points for MyEG transactions Unlimited Loyalty Plus and Loyalty points
Fee waiver and finance charges
- RHB Visa Signature Credit CardRHB · Conventional · Visa
- Minimum annual income
- RM80,000minimum income of RM80,000 per annum
- Annual fee
- Waived (Principal); Waived (Supplementary)
- Up to 6% cashback 6x complimentary access to airport lounges in Malaysia Travel insurance up to RM600,000
- RHB World MasterCard Credit CardRHB · Conventional · Mastercard
- Minimum annual income
- RM80,000minimum income of RM80,000 per annum
- Annual fee
- Waived (Principal); Waived (Supplementary)
- Up to 6% cashback Up to 6x complimentary access to airport lounges in Malaysia Travel insurance up to RM600,000
- RHB World MasterCard Credit Card-iRHB · Islamic · Mastercard
- Minimum annual income
- RM80,000minimum income of RM80,000 per annum
- Annual fee
- Waived (Principal); Waived (Supplementary)
- Up to 6% cashback 6x complimentary access to airport lounges in Malaysia
Standard Chartered Journey Credit CardStandard Chartered · Conventional · Mastercard- Minimum annual income
- RM96,000Principal Card Minimum Annual Income: RM96,000 p.a.
- Annual fee
- Principal Card : RM600 (1st year Annual Fee Waiver ) Supplementary Card : Free
- 5X more miles on dining, travel & overseas spend
- Unlimited access to Plaza Premium Lounge
- Up to RM65 cashback on Airport Transfers
Fee waiver and finance charges
Fee waiver: Enjoy annual fee waiver for the first year. Subsequent years will be waived with minimum spend of RM60,000.
- Standard Chartered Platinum Mastercard BasicStandard Chartered · Conventional · Mastercard
- Minimum annual income
- RM96,000Principal Card Minimum Annual Income: RM96,000 p.a.
- Annual fee
- Waived for life
- 1x point every time you spend
- Annual fee waiver for life
Lazada UOB CardUOB · Conventional- Minimum annual income
- RM24,000Minimum Income Requirement RM24,000 per annum
- Annual fee
- Annual Fee Principal: RM100 Supplementary: RM70
- 10X UNIRM for Lazada spend and Lazada wallet top-ups (capping conditions apply)
- 5X UNIRM for online lifestyle & entertainment spend (Netflix, Spotify, Apple.com, Grab Food, foodpanda, Dominos etc.) (capping conditions apply)
- Up to 5X UNIRM for telco and insurance spend
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM20,000 per annum* and enjoy Lazada UOB Card privileges without the annual fee. *Total spend is calculated from the 1-year period before your Lazada UOB Card annual fee is charged
- UOB EVOL CardUOB · Conventional · Visa
- Minimum annual income
- RM36,000Minimum Income Requirement RM36,000 per annum
- Annual fee
- Monthly / Annual Fee Principal: RM7.50 per statement month, waived upon 1 retail* transaction made per statement month Fee waived for the first 12 months Supplementary: Complimentary *Excluding FPX transactions and EPP / IPP monthly instalments from second month onwards
- 10% cashback on online spend (min. spend and capping conditions apply)
- 5% cashback on e-wallet top-ups (min. spend and capping conditions apply)
- 5X UNIRM on entertainment and dining
Fee waiver and finance charges
Fee waiver: RM7.50 per statement month, waived upon 1 retail transaction made per statement month.
- UOB Lady's Platinum CardUOB · Conventional · Mastercard
- Minimum annual income
- RM60,000Minimum Income Requirement Platinum: RM60,000 per annum Solitaire: RM120,000 per annum
- Annual fee
- Principal: RM128 | Supplementary: RM30
- 10X UNIRM on fashion spend (capping conditions apply)
- 5X UNIRM on groceries spend (capping conditions apply)
- LuxePay 0% EPP for fashion designer labels, health & beauty and overseas spend (min. spend applies)
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM20,000 per annum
- UOB Lady's Solitaire CardUOB · Conventional · Mastercard
- Minimum annual income
- RM120,000Minimum Income Requirement Platinum: RM60,000 per annum Solitaire: RM120,000 per annum
- Annual fee
- Principal: RM300 | Supplementary: RM30
- 10X UNIRM on fashion spend (capping conditions apply)
- 5X UNIRM on groceries & overseas spend or online spend in foreign currencies (capping conditions apply for groceries spend)
- LuxePay 0% EPP for fashion designer labels, health & beauty and overseas spend (min. spend applies)
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM50,000 per annum
- UOB ONE Platinum CardUOB · Conventional · Visa
- Minimum annual income
- RM36,000Minimum Income Requirement ONE Platinum Card: RM36,000 per annum
- Annual fee
- ONE Platinum Card: Principal: RM195 | Supplementary: RM100
- Up to 10% cashback on petrol, selected groceries, dining and Grab spend (capping conditions apply)
- Unlimited 0.2% cashback on other retail spend
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM20,000 per annum
- UOB Preferred CardUOB · Conventional
- Minimum annual income
- RM36,000Minimum Income Requirement RM36,000 per annum
- Annual fee
- Annual Fee Principal: RM198 Supplementary: RM30
- 1-for-1 Drinks at The Coffee Bean & Tea Leaf outlets every Monday to Friday (selected stores only)
- 10X UNIRM for every RM1 spent on streaming platforms (Netflix, Amazon Prime, HBO Max, YouTube Premium)
- 5X UNIRM for dining, grocery and entertainment spend (capping conditions apply)
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM20,000 per annum* and enjoy UOB Preferred Card privileges without the annual fee. *Total spend is calculated from the 1-year period before your UOB Preferred Card annual fee is charged
- UOB PRVI Miles Elite CardUOB · Conventional
- Minimum annual income
- RM100,000Minimum Income Requirement RM100,000 per annum
- Annual fee
- Annual Fee Principal: RM600 Supplementary: Complimentary
- Up to 12X UNIRM for overseas spend and 5X UNIRM for airline spend
- 8X complimentary access to Plaza Premium Lounge in 8 countries and territories
- Bonus 60,000 UNIRM upon annual fee payment
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM50,000 per annum* and enjoy UOB PRVI Miles Elite Card privileges without the annual fee. *Total spend is calculated from the 1-year period before your UOB PRVI Miles Elite Card annual fee is charged
- UOB Simple CardUOB · Conventional · Mastercard
- Minimum annual income
- RM24,000Minimum Income Requirement RM24,000 per annum
- Annual fee
- Annual Fee Principal: No annual fees Supplementary: No annual fees
- 10% cashback on finance charges on purchases and cash advances every month when you pay at least the min. monthly amount due on time
- No capping on cashback earnings
- No late payment charges
Fee waiver and finance charges
Fee waiver: No annual fees for both Principal and Supplementary Cardmembers.
- UOB Visa Infinite CardUOB · Conventional · Visa
- Minimum annual income
- RM120,000Minimum Income Requirement RM120,000 per annum
- Annual fee
- Annual Fee Principal: RM600 Supplementary: RM300
- 12X complimentary airport lounge access
- 12X complimentary limo service to KLIA with spend on airlines, hotels, and/or travel agency. (min. spend applies, limited redemptions)
- 10X UNIRM for overseas spend
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM50,000 per annum* and enjoy UOB Visa Infinite Card privileges without the annual fee. *Total spend is calculated from the 1-year period before your UOB Visa Infinite Card annual fee is charged
- UOB World CardUOB · Conventional · Mastercard
- Minimum annual income
- RM60,000Minimum Income Requirement RM60,000 per annum
- Annual fee
- Annual Fee Principal: RM600 Supplementary: RM150
- 12X UNIRM on selected e-commerce spend (iTunes) and e-wallet reload (TnG, Boost and BigPay) (capping conditions apply)
- 6X complimentary access to Plaza Premium Lounge at KLIA T1 per calendar year
- 5X UNIRM for selected departmental stores, grocers/hypermarkets and overseas spend (capping conditions apply)
Fee waiver and finance charges
Fee waiver: Effective 1 January 2026, spend a minimum of RM50,000 per annum* and enjoy UOB World Card privileges without the annual fee. *Total spend is calculated from the 1-year period before your UOB World Card annual fee is charged
Minimum income not published
These issuers don't publish a minimum income for these cards, often because they go by relationship balance or invitation. Kira Dulu never guesses a figure.
- AmBank Enrich Visa Infinite Credit CardAmBank · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- RM500.00 (Principal); Free For Life with no conditions (Supplementary)
- Redeem flights for your dream vacations
Fee waiver and finance charges
Fee waiver: First-year annual fee waiver is valid for Principal AmBank Enrich Visa Infinite Credit Cards which are approved on or before 30 June 2027. 50% of annual fee waiver with a minimum of RM50,000 spend a year; 100% of annual fee waiver with a minimum of RM100,000 spend a year.
- AmBank Enrich Visa Platinum Credit CardAmBank · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Redeem flights for your dream vacations
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank SIGNATURE Priority Banking - The Metal Visa Infinite Credit CardAmBank · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Unlock Exclusive Travel Experiences
- Fast Track Your Frequent Flyer Miles
- Unlimited Lounge Key Access
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank SIGNATURE Priority Banking Visa Infinite Credit CardAmBank · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Unlock Exclusive Travel Experiences
- Fast Track Your Frequent Flyer Miles
- Unlimited Plaza Premium Lounge Access
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- AmBank SIGNATURE Priority Banking Visa Infinite Credit Card-iAmBank · Islamic · Visa
- Minimum annual income
- Not published
- Annual fee
- Principal Card and Supplementary Card: Free-For-Life (no conditions attached)
- Travel Takaful
- Indulge in Unforgettable Moments
- Up to 50% discount at Shangri-La Hotel
Fee waiver and finance charges
Fee waiver: Free-For-Life (no conditions attached)
- Bank Islam Mastercard World Premier Wealth Credit Card-iBank Islam · Islamic · Mastercard
- Minimum annual income
- Not published
- Annual fee
- Full annual fee waiver
- By invitation – For Premier Wealth Member only
Fee waiver and finance charges
Fee waiver: A full annual fee waiver is granted to Principal Cardholders and Supplementary Cardholders of the Mastercard World Premier Wealth and Mastercard Platinum (Inspire) cards.
- CIMB Preferred Visa Infinite Credit CardCIMB · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- 8X Bonus Points on Local Dining and Overseas Spend
- 8X Access to 150+ selected Plaza Premium Lounges worldwide.
- Up to RM 300,000 Travel Insurance Coverage
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Preferred Visa Infinite-i Credit CardCIMB · Islamic · Visa
- Minimum annual income
- Not published
- Annual fee
- Annual Fees Principal Card - Waived Supplementary Card - Waived
- 8X Bonus Points on Local Dining and Overseas Spend
- 8X Bonus Points on Zakat Payment
- 8X Access to 150+ selected Plaza Premium Lounges worldwide
Fee waiver and finance charges
Fee waiver: Principal Card - Waived Supplementary Card - Waived
- CIMB Private Wealth World Elite Credit CardCIMB · Conventional · Mastercard
- Minimum annual income
- Not published
- Annual fee
- Annual Fees Principal Card - RM1,215.09 Supplementary Card - No Annual Fee
- Earn 50,000 Extra Bonus Points monthly (campaign conditions apply)
- 10X Bonus Points on Overseas, Airlines and Duty Free stores
- No Additional 1% Bank Admin Fee on Currency Exchange
Fee waiver and finance charges
Fee waiver: Annual Fee Waiver Campaign Annual Fee Waiver of RM1,215.09 is applicable to CIMB Private Wealth clients who maintain a minimum AUM of RM1,000,000*, and at least RM500,000 in Wealth Management and/or Current Account and/or Savings Account/-i (CASA/-i) balances** at all times. Campaign Period 22 June 2026 – 30 June 2027 *Based on the Customer’s month-end balance AUM: Deposits, selected investments and/or cumulative premiums/contributions of Life Insurance /Family Takaful policies/contracts which remains in force. **Based on the balance deposited in Current Account/-i, Savings Account/-i and/or invested in selected Investment products and /or cumulative premiums/contributions of Life Insurance/Family Takaful policies/contracts which remains in force. Terms and Conditions apply.
- HLB opus Credit CardHong Leong · Conventional
- Minimum annual income
- Not published
- Annual fee
- RM3,000 (Principal); RM2,000 (Supplementary)
- By invitation only.
Fee waiver and finance charges
- Infinite P Credit CardHong Leong · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- No charge (Principal); No charge (Supplementary)
- By invitation only, a credit card that gives you exclusive travel privileges.
- HSBC Amanah Premier World Mastercard Credit Card-iHSBC · Islamic · Mastercard
- Minimum annual income
- Not published
- Annual fee
- Waived (Primary); Waived (Supplementary)
- Get 1% Cash Back on overseas spend and 0.5% on local spend
- Complimentary lounge access to Plaza Premium Lounge
- HSBC Premier Travel Mastercard Credit CardHSBC · Conventional · Mastercard
- Minimum annual income
- Not published
- Annual fee
- 600 (Primary RM); Waived (Supplementary RM)
- Earn air miles towards your complimentary getaway and unlock a world of exclusive travel privileges.
Fee waiver and finance charges
Fee waiver: No annual fee in the first year. For subsequent years, the annual fee will be waived if you meet the annual retail spend requirement: RM45,000. Annual fee for Premier Elite customers is waived for life.
- HSBC Premier World Mastercard Credit CardHSBC · Conventional · Mastercard
- Minimum annual income
- Not published
- Annual fee
- Waived (Primary); Waived (Supplementary)
- up to 15× Reward points on contactless payments, online shopping and overseas transactions.
- Islamic PETRONAS Ikhwan Visa Gold Card-iMaybank · Islamic · Visa
- Minimum annual income
- Not published
- Annual fee
- See the bank's page
Fee waiver and finance charges
- OCBC Premier Voyage MastercardOCBC · Conventional · Mastercard
- Minimum annual income
- Not published
- Annual fee
- Principal card RM750 a year; Supplementary card RM500 a year
- Redeem your Voyage Miles for cashback and other indulgences
- Enjoy discounts and complimentary access to KLIA Plaza Premium Lounge
Fee waiver and finance charges
Fee waiver: *Waived for first year, valid till 31 December 2026. For subsequent years, the fee will be waived if a minimum retail spend of RM80,000 p.a. is met.
- OCBC World MastercardOCBC · Conventional · Mastercard
- Minimum annual income
- Not published
- Annual fee
- Principal card RM388 per annum; Supplementary card RM188 per annum
- 1% unlimited cashback on overseas spending
- 0.5% unlimited cashback on local spending
- RM2 million complimentary travel insurance
Fee waiver and finance charges
Fee waiver: *Waived for first year, valid till 31 December 2026. For subsequent years, the fee will be waived if a minimum retail spend of RM40,000 p.a. is met.
- RHB Premier Visa Infinite Credit CardRHB · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Waived (Principal); Waived (Supplementary)
- Up to 10x Loyalty Plus points for Overseas spend Unlimited access to selected airport lounges in Malaysia & overseas
- RHB Premier Visa Infinite Credit Card-iRHB · Islamic · Visa
- Minimum annual income
- Not published
- Annual fee
- Waived (Principal); Waived (Supplementary)
- Up to 10x Loyalty Plus points for Overseas spend Unlimited access to selected airport lounges in Malaysia & overseas
- Standard Chartered Beyond Credit Card (Priority Banking)Standard Chartered · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Principal card: RM800 Supplementary card: RM400
- 8x airport lounge access Shareable for both principal and supplementary cardholder
- Up to 60% Cashback at selected MICHELIN Guide restaurants and more
- Up to RM60 off, 6x rides/ year on your Airport Transfer via Grab App
Fee waiver and finance charges
Fee waiver: Annual fee will be waived if the credit cardholder maintains Priority Banking (PRB) membership
- Standard Chartered Beyond Credit Card (Priority Private – Metal Card)Standard Chartered · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Principal card: RM2,000 Supplementary card: RM600
- Unlimited access to airport lounges globally for principal and supplementary cardholder
- 60% cashback at selected MICHELIN Guide restaurants and more
- Business Class upgrade with purchase of 1x Business Class and 1x Economy ticket
Fee waiver and finance charges
Fee waiver: Annual fee will be waived if the credit cardholder maintains Priority Private (PVB) membership
- UOB Visa Infinite Metal CardUOB · Conventional · Visa
- Minimum annual income
- Not published
- Annual fee
- Annual Fees Principal: RM3,000 Supplementary: RM800
- Unlimited airport lounge access for you and one accompanying guest
- Unlimited limousine rides to KLIA
- 10X UNIRM for overseas spend
Fee waiver and finance charges
No card matches these filters.
Finance charges by bank
As each bank publishes them. Most banks set the same tiers for all their cards.
AEON Credit Service
FINANCE RATE TIER CARDHOLDER CATEGORIZATION 15.0% per annum* 1 Cardholders who promptly settle the minimum amount due over 12 consecutive months 17.0% per annum* 2 Cardholders who promptly settle the minimum amount due for 10 months or more in a 12 months cycle 18.0% per annum* 3 Cardholders who DO NOT fall within Tier 1 & Tier 2 Category *To enjoy lower finance charges for retail transactions, you should make at least 10 months prompt payments or more in the last 12 months.
Affin Bank
First Year: 8% per annum Year 2 onwards: Tier 1 9% per annum if the Cardmember has promptly settled the minimum payment due for 12 consecutive months Tier 2 12% per annum if the Cardmember has promptly settled the minimum payment due for at least 10 months in a 12-month cycle Tier 3 18% per annum if the Cardmember’s payment record is not within the above categories
Affin Bank
15% per annum if the Cardmember promptly settles the minimum payment due for twelve (12) consecutive months. 17% per annum if the Cardmember promptly settles the minimum payment due for at least ten (10) months in a twelve (12) month cycle. 18% per annum if the Cardmember’s payment record is not within the above categories.
Al Rajhi Bank
Profit charges a. Purchases • Promptly settle the minimum payment amount due for twelve (12) consecutive months: 15% p.a. • Promptly settle the minimum payment amount due for ten (10) or eleven (11) months in a twelve (12)-month cycle: 17% p.a. • Payment record do not fall under the above categories: 18% p.a. b. Cash withdrawal: 18% p.a.
Alliance Bank
Finance charges: 1. Purchases • 14% p.a. (equivalent to 1.17% per month) on the total outstanding balance for retail transactions. • No finance charge will be imposed on the portion of the outstanding balance relating to finance charges carried forward from the previous credit card statement. 2. Cash Advance 18% p.a. calculated daily from the transaction date until full repayment.
Alliance Bank
Finance charge: 1. Purchases Tier 1: 15% p.a. if minimum payments are promptly settled for 12 consecutive months; Tier 2: 17% p.a. if promptly settled for 10 months or more in 12 consecutive months; Tier 3: 18% p.a. otherwise. 2. Cash Advance 18% p.a. calculated daily from the transaction date until full repayment.
Alliance Bank
Finance charge: 1. Purchases Tier 1: 15% p.a. if minimum payments are promptly settled for 12 consecutive months; Tier 2: 17% p.a. if promptly settled for 10 months or more in 12 consecutive months; Tier 3: 18% p.a. otherwise.
AmBank
Tiered Finance Charges Applicable for AmBank Credit Card Charges apply to all except Cash Advance, a) 1.25% per month or 15% p.a. if you have promptly settled your minimum payment due for 12 consecutive months QuickCash Programme and Late Payment b) 1.42% per month or 17% p.a. if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle Charges c) 1.5% per month or 18% p.a. if your payment record is not within either (a) or (b) above.
AmBank
Tiered Profit Rates For all AmBank Islamic Credit Card-i* a) 1.25% per month or 15% per annum if you have promptly settled your Minimum Monthly Payment for 12 consecutive months. b) 1.42% per month or 17% per annum if you have promptly settled your Minimum Monthly Payment for at least 10 months in a 12-month cycle. c) 1.5% per month or 18% per annum if your payment record is not within either (a) or (b) above. To enjoy a lower profit rate for retail transactions, you should make at least 10 prompt payments in the last 12 months. *Note: The Tiered Profit Rates do not apply to Cash Advance and QuickCash programmes.
Bank Islam
15% to 18% per annum
Bank Islam
15% to 18% per annum (9% per annum for customer under Education Sector)
Bank Rakyat
Tier 1: Minimum payment received before or on the Due Date for 9 months consecutively. Non-Bank Rakyat Share Member 13.5 %; Bank Rakyat Share Member 13.0 %. Tier 2: Minimum payment received before or on the Due Date for 6 months or more within 9 months period. Non-Bank Rakyat Share Member 17 %; Bank Rakyat Share Member 15.5 %. Tier 3: Does not meet the above conditions for Tier 1 and Tier 2. Non-Bank Rakyat Share Member 18 %; Bank Rakyat Share Member 17 %.
BSN
Government Classic/Gold/Platinum: Tier I 11% p.a.; Tier II 13.5% p.a.; Tier III 17.5% p.a. Private Classic/Gold/Platinum: Tier I 13.5% p.a.; Tier II 16% p.a.; Tier III 17.5% p.a. Tier I: Cardmembers who promptly settle their minimum payment due for 12 consecutive months. Tier II: Cardmembers who promptly settle their minimum payment due for 10 months or more in a 12-month cycle. Tier III: Cardmembers who do not fall within the above categories.
BSN
G-Card: Tier I 8.88% p.a.; Tier II 13% p.a.; Tier III 17.5% p.a. Tier I: 12 consecutive months prompt minimum payment; Tier II: 10 months or more in a 12-month cycle; Tier III: do not fall within the above categories.
BSN
Tier I Cardmembers who promptly settle their minimum payment due for 12 15% per annum consecutive months Tier II Cardmembers who promptly settle their minimum payment due for 10 17% per annum months or more in a 12 month cycle Tier III 18% per annum Cardmembers who do not fall within the above categories
BSN
AIAFAM Visa Platinum: Tier I 13.5% p.a.; Tier II 16% p.a.; Tier III 17.5% p.a. Tier I: 12 consecutive months prompt minimum payment; Tier II: 10 months or more in a 12-month cycle; Tier III: do not fall within the above categories.
BSN
TeachersCard: Tier I 8.88% p.a.; Tier II 9.99% p.a.; Tier III 14% p.a. Tier I: 12 consecutive months prompt minimum payment; Tier II: 10 months or more in a 12-month cycle; Tier III: do not fall within the above categories.
BSN
UUM Gold/Platinum: Tier I 9.95% p.a.; Tier II 13.5% p.a.; Tier III 17.5% p.a. Tier I: 12 consecutive months prompt minimum payment; Tier II: 10 months or more in a 12-month cycle; Tier III: do not fall within the above categories.
CIMB
Finance Charge for Retail Transaction The charges are: (a) 1.25% per month or 15% per annum if you have promptly settled your minimum payment due for 12 consecutive months. (b) 1.42% per month or 17% per annum if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle. (c) 1.50% per month or 18% per annum if your payment record is not within either (a) or (b) above.
CIMB
A single 14% p.a. fixed profit rate applies to both retail and cash advances transactions.
CIMB
Profit Charge Effective Profit Rate Annual Rate (p.a.) Remarks Retail Transactions Cardholders with prompt payments for 12 consecutive months (Applicable for all CIMB Islamic 15% Credit Card-i, except CIMB Lite-i Credit Card). Cardholders with prompt payment for 10 months or more in the last 12 months (Applicable for 17% all CIMB Islamic Credit Card-i, except CIMB Lite-i Credit Card). Cardholders who do not fall under the above categories (Applicable for all CIMB Islamic Credit 18% Card-i, except CIMB Lite-i Credit Card).
Hong Leong
15%/17%/18% p.a. (based on payment history)
HSBC
15.0%: Tier 1: Cardholders with prompt Minimum Monthly Payments for 12 consecutive months. 17.0%: Tier 2: Cardholders with prompt Minimum Monthly Payments for 10 months or more in last 12 months. 18.0%: Tier 3: Cardholders who do not fall under the above categories. Effective Profit Rate (Per Annum)
HSBC
15.0%: Tier 1: Cardholders with prompt payments for 12 consecutive months. 17.0%: Tier 2: Cardholders with prompt payments for 10 consecutive months or more in the last 12 months. 18.0%: Tier 3: Cardholders who do not fall under the above categories. Annual Rate Per Annum
ICBC Malaysia
Finance Charges Retail Purchases & Auto Balance Conversion Programme (ABC): Interest Rate Description Per month Per annum Prompt minimum payment amount due for 12 1.13% 13.5% consecutive months Prompt minimum payment amount due for at least 10 1.33% 16.0% months in a 12 months repayment cycle Prompt minimum payment amount due for less than 10 months in a 12 months repayment cycle or credit 1.46% 17.5% card tenure is less than 12 months To enjoy lower finance charges for retail transactions, you should make at least 10 prompt payments in the last 12 months. Cash Advance: Finance charge to be calculated at 18% per annum of the outstanding cash advance amount on a daily basis from cash advancement transaction date until full repayment date.
Maybank
Interest rate/management fee for retail transactions: 1.25% a month (15% a year) for prompt repayment of 12/12 months; 1.42% a month (17% a year) for 10/12 months; 1.50% a month (18% a year) for less than 10/12 months. Cash advance: 1.50% a month (18% a year), calculated on a daily basis.
OCBC
15% p.a.: Prompt minimum monthly payments for 12 consecutive months. 17% p.a.: Prompt minimum monthly payments for 10 or more in last 12 months. 18% p.a.: Cardholders who do not fall under the above categories.
Public Bank
Finance Charge: 15% per annum With prompt payments for 12 consecutive months Retail Purchase* 17% per annum Make 10/11 times prompt payments in the last 12 months 18% per annum Make 9 or less prompt payments in the last 12 months
Public Bank
Effective Profit Rate: 15% per annum With prompt payments for 12 consecutive months Retail Purchase* 17% per annum Make 10/11 times prompt payments in the last 12 months 18% per annum Make 9 or less prompt payments in the last 12 months
RHB
Financial Charges On Purchases: Interest Rate Description Per Month Per Annum Cardmembers who promptly settle their minimum repayment due for 12 consecutive months. 1.25% 15% Cardmembers who promptly settle their minimum repayment due of at least 10 months or more in 1.42% 17% a 12-month cycle. The 12 months minimum repayment due cycle will not apply to new cardmember. Cardmembers who do not fall within the above categories 1.50% 18%
RHB
Effective Profit Rate 1. On Purchases (EPR) Description Per Month Per Annum Cardholders who promptly settle their minimum payment due for 12 1.25% 15% consecutive months. Cardholders who promptly settle their minimum payment due of at least 10 months or more in a 12- 1.42% 17% month cycle. The 12 months minimum payment due cycle will not apply to new Cardholder. Cardholders who do not fall within the 1.50% 18% above categories. Note: Each Credit Card-i will be charged with EPR which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date. To enjoy lower EPR for the transactions, you should make at least 10 prompt payments in the last 12 months.
Standard Chartered
Finance / interest charges 15-18% p.a.
UOB
15% per annum Cardmembers who promptly settle Minimum Payment Due by the respective (Effective 1st April 2012) Payment Due Date for 12 months within the last 12 consecutive months. 17% per annum Cardmembers who promptly settle their Minimum Payment Due by the respective Purchases (Effective 1st May 2012) Payment Due Date for 10 months or 11 months within the last 12 consecutive months. 18% per annum Cardmembers who promptly settle their Minimum Payment Due by the respective Finance (Effective 1st May 2012) Payment Due Date for 9 months or less within the last 12 consecutive months. Charges Calculated on a daily rest basis from the date the cash is disbursed until the date of Cash Advance 18% per annum full repayment. Balance Transfer rates are based on promotion basis. Prevailing finance charges of 18% Balance Transfers 18% per annum per annum will be calculated on the remaining unpaid outstanding balance after the promotion period has expired. To enjoy lower finance charges for retail transactions, you should make at least 10 prompt payments in the last 12 months.
How this list is made
Card details were read on 4 Nov 2026 from each issuer's own card pages and product disclosure sheets, with no aggregator figures. Banks change cards often, so check the bank's page before you apply. The list is refreshed every month.
Left out
- Affin: possible INVIKTA Visa Infinite-i and Islamic DUO+/UKM/MPN/Platinum variants appear only in servicing disclosure sheets, not in the current card catalogue, so they are left out until Affin lists them.
- Cards closed to new applications, business, corporate, purchasing, prepaid and debit cards.
- Bank of China Malaysia, MBSB and Agrobank: no personal credit card found on their own sites.