When you spend at any major supermarkets and department stores, receive 5X Rewards points when you shop for everyday purchases, or when you travel - all year round! Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too! Earn up to 2x points on your retail spending with BSN cards. Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS, Earn up to RM 50 Cash Back per month for petrol, groceries, online dining & grocery delivery. Maybank Islamic provides up to 8x points for your spending. Every time you apply, that’s an inquiry on your credit, and you want to make sure you spread those out over time. Judging from the number of credit card application kiosks at malls across Malaysia, you would think no credit card application would be denied. Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum! Some also offer instant approval (but not instant card numbers) for applications made over the phone. For example: if your monthly income is RM2,000, your credit limit would be a maximum of 2 × RM2,000 = RM4,000. With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM1,000,000!. Having a bad credit score can greatly reduce your chances of getting approved for a credit card. Mach Balance Transfer Program has a minimum tenure of 3 months and maximum tenure of 12 months, interest rate at a maximum of 9% per annum (for 9-month tenure), minimum transfer amount of RM1,000 and no one-time upfront fee. Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC! Get more rewards points when you spend at AEON Stores during AEON Day with the AEON New AEON Gold Visa/MasterCard! Get privileges and discounts at over 6,500 shopping outlets! There are only a handful of Malaysia credit cards give cash back on all expenses, even if they do, usually it is only 1% or less than 1%. Despite having an active credit card requirement, HSBC credit cards have a low income requirement making it suitable for millennials and young entrepreneurs. You get to earn up to 2x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants! By the end of each month, you are expected to repay the amount you’ve “borrowed”. Maybank Balance Transfer Program of a maximum 3 years have an interest rate of 4.95% per annum (highest is 9% for 9 months), minimum transfer amount of RM1,000 (RM2,000 for 2 years and 3 years) and no one-time upfront fee (except for 12-month tenure). You will also get a 0% interest Installment Payment Plan at all participating merchants! You also won’t miss out on golf privileges at Kota Permai & Sungai Long Golf & Country Club too! For local spending, you can get up to 8% cashback on weekend dining, petrol and groceries. Up to 8x Timeless Bonus Points from online shopping transactions and eWallet Top-up Also enjoy a waived annual fee for life! ‘Instant approval’ in fact means an instant decision and possibly conditional approval within a very short time frame. Only expat’s with an approved official working permit and an annual income of RM24,000 will be eligible for the requested credit card. Up to 10x TreatsPoints from purchase of Manchester United merchandise. Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally, Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges. 7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. Get 5,000 bonus points every month and 5x points for dining, department stores, as well as overseas spend. In Malaysia, these are the major categories of credit cards you can consider applying for: You will find that the comparison page lets you compare cards and help you find the best one for you by showcasing promotions, best cards in Malaysia, and zero annual fee cards. Choose which 2 of the 9 categories of retail spending you would like to receive cashback of 10% from, and you can switch among the categories at any time too! And you will also get to enjoy a 0% interest Installment Payment Plan at all participating merchants! Earn up to 3% cashback on your petrol expenditure. Some card issuers may also have higher or lower interest rates depending on their operating policies. Enjoy 0% interest on all purchases for the first 3 months, and the card is yours free-for-life and for the first 3 supplementary cards! Get exclusive promotions and privileges at restaurants, coffee houses, cinemas and more, and this card is yours free-for-life and for the first 3 supplementary cards! It is a payment card issued by a financial entity (i.e. Hong Leong Balance Transfer Program has a minimum period of 6 months and maximum period of 1 year, interest rate of 6.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee. Credit limits for those earning above RM36,000 are determined by the card issuers. This ratio is expressed as a percentage, and the lower the percentage is, the better. By getting a card that fits your lifestyle, you can be rewarded for your spending. You can get up to 10% cashback when you spend with AEON. UOB Balance Transfer Program has a maximum tenure of 1.5 years, minimum interest rate of 7.77% per year, minimum transfer amount of RM1,000 and no one-time upfront fee. Hardest-to-Get Store Credit Cards The Maybank 2 Cards top our list as the best credit cards in Malaysia. Find out why you were rejected, fix the problem and, eventually, you WILL get the plastic you desire. On the off chance that there is a mistake on your credit report, you can dispute it and have it corrected. Standard Chartered Balance Transfer Program has a maximum of 1 year tenure, 2.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee. Earn 10x Reward Points on Lazada Spends & Lazada E-wallet top-ups and much more with your new Citibank Lazada Platinum Card ! HSBC Amanah gives up to 1% cashback on overseas retail spending and cardholders are entitled to Smart Privileges and more discounts. Rejected? Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants! There are three steps to getting an instant approval credit card that you can actually use immediately: Online credit card application; Instant approval of that application These cards end up costing far more than the benefit of building your credit history. With Bank Islam, you can get up to 0.3% cashback on all retail transactions from Halal merchants. OpenSky just has to validate your identity, income and a few other details. In the article below, we’ll take a look at 13 easy credit cards to get with bad credit. However, it isn’t quite as easy for these expatriates to get approval for credit cards in Malaysia as it is for local applicants. Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000! Credit Cards. RHB Balance Transfer Program comes with a maximum period of 2 years, no annual interest rate during that period, a minimum transfer amount of RM1,000 and minimum one-time upfront fee of 4% (9% for 2-year tenure). Every ringgit spent with the card will earn you VIP Points, on top of getting 0.9% cashback for your spending! Ask us in the comment box below. It records  all your loans and credit information of the past 12 months. Get the best cashback credit cards in Malaysia for instant savings. Credit cards in Malaysia work similarly to personal loans. You can get up to 20,000 free points and 5x reward points from your shopping. Avail amazing promo on your NEW HSBC Credit Card. Annual fee: RM0, free for … Enjoy 2x Timeless Bonus Points on overseas retail and 1x Timeless Bonus Points on domestic utility spending. Earn up to 3x Cosway Points from your retail spending, and redeem these points at over 850 Cosway outlets nationwide! If you have bad credit, the Shopping Cart Trick (SCT) or getting a secured card like the Chase Freedom credit card would be some better options for you. Enjoy amazing deals and discounts from AEON stores all cross Malaysia, giving you more value for your money, and also earn reward points for every ringgit you spend! HSBC Balance Transfer Program has a maximum period of 1 year, interest rate per annum of 6.99%, minimum transfer amount of RM1,000 and no one-time upfront fee. Keep in mind that your credit card offers a line of credit – and you should very well learn how to preserve its usefulness if you have bad credit. Earn up to 2x BSN Reward Points from all your retail spending, on top of Travel Accident Insurance coverage of up to RM1,000,000! Get a business-size credit limit on your card of up to RM300,000, and also with Travel Accident Insurance and travel Inconvenience Coverage protection! The HSBC Red Mastercard is one of the credit cards with easy approval and application in the Philippines. Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol! Usually, banks won’t tell you up front so you’ll need to call them to find out. Online Retailers 2. Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection! You can get as high as 5% on your online spending. They use this as a gauge of your ability to service future debt should they issue a card to you. With a single receipt spend of at least RM100 in WATAMI restaurants, you will get to enjoy up to 10% cash rebate. And also enjoy exclusive travel, golf, and dining privileges too! Store cards can only be used at the store they’re affiliated with, though some may be tied to a group of stores. Applicants are asked to make a security deposit but there are benefits such as free financial education, easy approval, and the opportunity to rebuild credit.
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