Bandingkan Kad Kredit Malaysia 2026
Cari kad kredit terbaik untuk gaya hidup anda. Bandingkan pulangan tunai, ganjaran, faedah pelancongan dan banyak lagi dari bank-bank utama Malaysia.
Menunjukkan 20 daripada 208 kad
Standard CharteredVisa
Standard Chartered
Standard Chartered Beyond Credit Card (Priority Private)
PelanconganVisa
RM2000/tahun
Waived with Priority Private membership (min AUM RM3,000,000); first year waived for new clients
Pendapatan Min: RM0
60% cashback at selected MICHELIN Guide restaurants (cap RM600/month)
- •Unlimited airport lounge access globally
- •15 points per RM1 on overseas dining/shopping
- •60% cashback at MICHELIN Guide restaurants (cap RM600/month)
Standard CharteredVisa
Standard Chartered
Standard Chartered Beyond Credit Card (Priority Banking)
PelanconganVisa
RM800/tahun
Waived with Priority Banking membership (min AUM RM350,000); first year waived for new clients
Pendapatan Min: RM0
60% cashback at selected MICHELIN Guide restaurants (cap RM300/month)
- •8x airport lounge access per year
- •10 points per RM1 on overseas dining/shopping
- •60% cashback at MICHELIN Guide restaurants (cap RM300/month)
MaybankMastercard
Maybank
Maybank World Elite Mastercard
PelanconganMastercard
RM800/tahun
1st year free; waived with min spend RM120,000/year (from 2026)
Pendapatan Min: RM15,834
25x TreatsPoints overseas; 10x TreatsPoints local per RM5
- •25x TreatsPoints on overseas spend; 10x local
- •16x airport lounge access/year + 1 guest per visit
- •Buy 1 Get 1 Malaysia Airlines Business Class (min RM150k spend)
MaybankMastercard
SyariahMaybank
Maybank Islamic World Elite Mastercard Ikhwan
PelanconganMastercard
RM800/tahun
1st year free; waived with min spend RM120,000/year
Pendapatan Min: RM15,834
Up to 25x TreatsPoints overseas; 10x local
- •Up to 25x TreatsPoints overseas; 10x local
- •Buy 1 Get 1 Malaysia Airlines Business Class tickets
- •16x airport lounge access/year + 1 guest per visit
Hong Leong BankVisa
Hong Leong Bank
Hong Leong Wise Platinum Credit Card
Pulangan TunaiVisa
RM300/tahun
Pendapatan Min: RM36,000
Up to 15% cashback on 3 chosen categories (petrol, groceries, dining, online shopping, etc.)
- •Up to 15% cashback on chosen spend categories
- •Choose your own 3 cashback categories
- •Year-round cashback with no minimum spend
Standard CharteredMastercard
Standard Chartered
Standard Chartered Simply Cash Credit Card
Pulangan TunaiMastercard
RM250/tahun
Waived first year
Pendapatan Min: RM96,000
Up to 15% cashback on petrol, grocery, and dining (at RM2,500+ monthly spend); 0.5% below RM2,500 spend
- •Up to 15% cashback on petrol, grocery, dining
- •Annual fee waived first year
- •0% easy payment scheme at selected merchants
HSBCMastercard
HSBC
HSBC Premier World Mastercard
GanjaranMastercard
RM/tahun
HSBC Premier customers with min TRB RM300,000
Pendapatan Min: RM0
Up to 15x Reward Points on overseas spend (10x base + 5x bonus); 8x on contactless; 5x on groceries and online; redeemable at 17 airlines and 4 hotel chains
- •Up to 15x Reward Points on overseas spend
- •8x Reward Points on contactless
- •5x Reward Points on groceries and online
CIMB
CIMB e Credit Card
GanjaranVisa
RM80/tahun
First year free; Year 2+ waived with RM6,000 annual spend (until Dec 2028)
Pendapatan Min: RM2,000
12X Bonus Points on eDay (28th) for online, auto-billing & contactless; 3X everyday for same categories; 1X on PIN purchases; 500 points = RM1
- •12X Bonus Points on eDay (28th of each month) for online, auto-billing & contactless
- •3X Bonus Points every other day on online, auto-billing & contactless
- •Points redeemable for flights, hotel stays & merchandise
SyariahCIMB
CIMB PETRONAS Visa Infinite-i Credit Card
Pulangan TunaiVisa
PERCUMA
Free for life
Pendapatan Min: RM10,000
Up to 12% on PETRONAS, Setel & EV charging; Up to 6% on groceries, dining & cashless parking; Unlimited 1% on overseas spend (min RM1,500 statement balance)
- •Up to 12% cashback on PETRONAS, Setel & EV charging
- •Up to 6% cashback on groceries, dining & cashless parking
- •Unlimited 1% cashback on overseas spend
RHB BankVisa
RHB Bank
RHB Shell Visa Credit Card
Pulangan TunaiVisa
RM195/tahun
1st year free; subsequent years waived with 24+ swipes annually
Pendapatan Min: RM24,000
Up to 12% at Shell (RM3k+ spend), up to 5% groceries/online/utilities/overseas (RM3k+), 0.2% others
- •Up to 12% cashback at Shell stations
- •Up to 5% on groceries, online, e-wallet, utilities, overseas
- •Tiered cashback based on monthly spend
RHB BankVisa
SyariahRHB Bank
RHB Shell Visa Credit Card-i
IslamikVisa
RM195/tahun
1st year free; subsequent years waived with 24+ swipes annually
Pendapatan Min: RM24,000
Up to 12% at Shell (RM3k+ spend), up to 5% groceries/online/utilities/overseas (RM3k+), 0.2% others
- •Up to 12% cashback at Shell stations
- •Up to 5% on groceries, online, e-wallet, utilities, overseas
- •Shariah-compliant
UOB MalaysiaMastercard
UOB Malaysia
UOB PRVI Miles Elite Card
PelanconganMastercard
RM600/tahun
Waived with RM50,000+ annual spend; 1-year waiver for new applicants
Pendapatan Min: RM8,333
Up to 12x UNIRM per RM1 overseas, 5x UNIRM on airline spend, 2.4 air miles per RM1 on Agoda bookings
- •Up to 12x UNIRM for overseas spending in select countries
- •8 complimentary airport lounge visits in 8 countries
- •60,000 bonus UNIRM on annual fee payment
UOB MalaysiaMastercard
UOB Malaysia
UOB World Card
GanjaranMastercard
RM600/tahun
Waived with RM50,000+ annual spend; 1-year waiver for new applicants
Pendapatan Min: RM5,000
12x UNIRM on e-commerce and e-wallet reload, 5x UNIRM on departmental stores/grocers/overseas, 1x on other spend; 125,000 bonus UNIRM at RM48,000+ annual spend
- •12x UNIRM on e-commerce and e-wallet top-ups
- •5x UNIRM on departmental stores, grocers, overseas
- •125,000 bonus UNIRM at RM48,000+ annual spend
OCBCMastercard
OCBC
OCBC Titanium Mastercard
GanjaranMastercard
RM75/tahun
Waived first year (till 31 Dec 2026); waived subsequently with RM20,000 annual spend
Pendapatan Min: RM48,000
12x OCBC$ on online and e-wallet on Double Date (1.1, 2.2, etc.) and Pay Day (25th); 6x OCBC$ on online/e-wallet other days; 1x unlimited OCBC$ on all retail; OCBC$ valid 5 years
- •12x OCBC$ on online/e-wallet on Double Date and Pay Day
- •6x OCBC$ on online/e-wallet on other days
- •1x unlimited OCBC$ on all retail purchases
MaybankVisa
Maybank
Maybank Manchester United Visa Card
GanjaranVisa
PERCUMA
Free for life
Pendapatan Min: RM2,500
10x TreatsPoints at United Direct; 5x on groceries; 1x at petrol; 5x on match days when Man Utd wins
- •10x TreatsPoints at United Direct Online Megastore
- •5x TreatsPoints on groceries
- •5x TreatsPoints on match days when Man Utd wins
MaybankVisa
Maybank
Maybank Manchester United Visa Infinite
PelanconganVisa
RM800/tahun
1st year free; waived with min spend RM50,000-RM80,000/year
Pendapatan Min: RM8,334
10x TreatsPoints at United Direct; 5x overseas; 2x local
- •Up to 10x TreatsPoints on United Direct purchases
- •5x TreatsPoints on overseas spend; 2x local
- •5x complimentary Plaza Premium Lounge access/year
CIMB
CIMB Travel World Elite Credit Card
PelanconganMastercard
RM1215.09/tahun
100% waiver with RM120,000 annual spend + repayments via CIMB account; 50% waiver with RM60,000 annual spend; new cardholders waived with RM15,000 spend within 120 days
Pendapatan Min: RM20,833
10X Bonus Points on overseas, airlines & duty-free; 2X on local spending; 1X on education, insurance & utilities
- •12X access to Plaza Premium First in KLIA and 150+ lounges worldwide
- •No overseas FX markup on foreign currency transactions
- •Up to RM80 in-flight WiFi cashback
RHB BankVisa
RHB Bank
RHB Premier Visa Infinite Credit Card
PelanconganVisa
PERCUMA
Waived (by invitation for Premier Banking customers)
Pendapatan Min: RM0
10x Loyalty Plus points overseas, 3x on airlines/hotels/dining/duty-free, 1x others
- •Up to 10x Loyalty Plus points for overseas spend
- •Unlimited Plaza Premium Lounge access (min RM100,000 annual spend)
- •Complimentary travel insurance up to RM2,000,000
RHB BankVisa
SyariahRHB Bank
RHB Premier Visa Infinite Credit Card-i
IslamikVisa
PERCUMA
Waived (by invitation for Premier Banking customers)
Pendapatan Min: RM0
10x Loyalty Plus points overseas, 3x on airlines/hotels/dining/duty-free, 1x others
- •Up to 10x Loyalty Plus points for overseas spend
- •Unlimited Plaza Premium Lounge access (min RM100,000 annual spend)
- •Complimentary travel insurance up to RM2,000,000
RHB BankVisa
RHB Bank
RHB Cash Back Credit Card
Pulangan TunaiVisa
RM70/tahun
1st year free; subsequent years waived with RM10,000 annual spend
Pendapatan Min: RM24,000
Up to 10% online dining/grocery (RM2.5k+ spend), up to 5% petrol/dining/utilities/grocery, 0.2% others
- •Up to 10% cashback on online dining and grocery
- •Up to 5% on petrol, dining, utilities, grocery
- •Tiered cashback based on monthly spend