Compare Rewards Credit Cards in Malaysia 2018

Looking for the best rewards credit cards in Malaysia? Here are reward cards from over 15 banks in Malaysia, earn up to 8x reward points for every RM1 you spend on groceries, petrol and shopping. Visit Aeon, Giant, Petronas, Shell and Metrojaya to accumulate your reward points now! Find out more on Loanstreet!

Credit Cards

Get a complimentary Trolley Bag and RM200 Cash Back Get a complimentary Trolley Bag and RM200 Cash Back
Interest Rate
15.0% p.a
Balance Transfer
8.99% p.a
Cashback
N/A
Annual Fee
RM90
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
RM550
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
RM450
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM240
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
8.99% p.a
Cashback
N/A
Annual Fee
RM100
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
RM225
Get a complimentary Trolley Bag and RM200 Cash Back Get a complimentary Trolley Bag and RM200 Cash Back
Interest Rate
15.0% p.a
Balance Transfer
8.99% p.a
Cashback
N/A
Annual Fee
RM600
Get a complimentary Trolley Bag and RM200 Cash Back Get a complimentary Trolley Bag and RM200 Cash Back
Interest Rate
15.0% p.a
Balance Transfer
8.99% p.a
Cashback
N/A
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
8.99% p.a
Cashback
N/A
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
8.99% p.a
Cashback
N/A
Annual Fee
RM1000
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM88
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM88
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM438
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM438
Interest Rate
15.0% p.a
Balance Transfer
5.0% p.a
Cashback
N/A
Annual Fee
RM148
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM148
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM68
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM68
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM148
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM148
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
3.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
RM450
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
5.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
3.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
8.88% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
9.95% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
9.95% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
8.88% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM777
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM388
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM388
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM130
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM130
Profit Rate
13.5% p.a
Balance Transfer
3.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
6.99% p.a
Cashback
N/A
Annual Fee
RM400
Interest Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM330
Interest Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM75
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM550
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
8.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
8.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM250
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM550
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM550
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM130
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM60
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM60
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
6.0%
Annual Fee
RM388
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM333
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
10.0%
Annual Fee
RM68
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
10.0%
Annual Fee
RM128
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
1.0%
Annual Fee
RM198
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
10.0%
Annual Fee
RM198
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
N/A
Annual Fee
RM600
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM1000
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM130
Interest Rate
15.0% p.a
Balance Transfer
1.88% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
8.0%
Annual Fee
RM90
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
10.0%
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
1.1%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
6.99% p.a
Cashback
N/A
Annual Fee
RM160
Interest Rate
15.0% p.a
Balance Transfer
6.99% p.a
Cashback
N/A
Annual Fee
RM300
Interest Rate
15.0% p.a
Balance Transfer
6.99% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM330
Interest Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM75
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM500
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM300
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM500
Profit Rate
13.5% p.a
Balance Transfer
3.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
% p.a
Cashback
N/A
Annual Fee
RM388
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Frequently Asked Questions (FAQ)

Rewards credit cards are cards that gives part of your spending back to you in the form of reward points.

When you use your rewards credit card to make purchases, you will get reward points in proportion to the amount you have spent. For example, if the bank offers a credit card that gives 5 reward points for every RM1 spent, then you will get 50 rewards points if you spend RM10. The higher the amount you spend, the higher the rewards points you accumulate.

You can get different kinds of gifts and vouchers depending on what your card issuer offers. Check the rewards catalogue from your bank either through their website or by visiting the bank.

Besides that, you can convert your reward points into air miles which allows you to save on the cost of travelling.

You can check your accumulated rewards points by logging in to your account through online/mobile banking. You could also give your bank a call or visit the bank to find out more information.

Yes, there are limitations and requirements for you to obtain the rewards points, such as:

  • may require you to spend at certain places (eg. local or overseas merchants)
  • may require you to spend on certain goods and services
  • can only receive rewards points if you spend on specific days
  • may have a minimum amount set before you can redeem
  • some rewards points have no expiration date whereas some rewards points will expire after 3 years, so it’s good practice to check what are the restrictions (if any)
  • may have a maximum amount of rewards points you can collect

It all depends on the card issuer so do clarify with the bank and read the terms and conditions before applying.

You can either call the bank for a redemption or fill out a redemption form then fax or mail it to your respective bank. Alternatively, you can also apply online.

Most banks will deduct points in order to facilitate the process of redeeming your rewards points.

  • You can earn more rewards points by increasing your spend on the goods and services that is in line with your card’s policies. For example, your card offers higher rewards points if you spend it on groceries and petrol, therefore you should spend more on those categories accordingly.
  • Some cards offer special rewards bonuses when you purchase a specific good or service.
  • Make sure to choose your credit wisely by choosing a card that fits your needs to maximise your rewards points.

When you return a product you have purchased, the rewards points associated with that product will be lost as well. Credit card issuers have policies where in the event of a refund, they will have to deduct your previously earned rewards.

It’s as simple as filling up an application form and submitting the relevant personal documents. On Loanstreet, just press apply and fill in your details. You will receive a phone call from us within 1 working day in order to check your eligibility, after which we will submit your application to the banks. You will then deal with the banks directly until your application is approved and your credit card is received.

  • Ensure that you have sufficient income to repay your balance and the income declared in the application is solely yours.
  • You could also have a guarantor who has a good credit history to cosign the application, for example, your parents, to be able to get a preferred interest rate.

Employed

  • Latest Month Payslip and/or
  • Latest EA Statement and/or
  • EPF Statement and/or
  • Employment Letter / Employer Confirmation

Self-Employed

  • Latest 1 year Tax Returns / Tax Receipts
  • Latest 6 months company CASA statement (for company directors)

However, do check with your respective bank on what documents you will need, as some banks will require extra documents.

Every card issuer has a different processing time to approve your application. However, it usually takes 7-10 days to receive your card, either by mail or collection at the bank. To make the processing time faster and more efficient, be sure to submit all the relevant documents with the correct details required by the card issuer.

You must contact your respective bank immediately and request to block your card. If you do not report it as soon as possible, you may be liable for the charges made to your card. The hotline services are available 24 hours for this issue. Besides that, you should also report to the police to protect yourself from any unauthorised usage.