Malaysia credit cards
Compare cards. Shortlist fast. Apply once.
35 cards from 17 banks — Free* fees, cashback, and current free gifts*. Free tool · no spam · honest labels.
35cards
17banks
Free*fee options
~60sfinder
Card finder
Income + goals → ranked matches on this page. No email required.
Current free gifts*
Live RinggitPlus featurebox gifts* right now — HSBC: up to RM3,888 / RM500 TnG eWallet*; OCBC: Apple Watch*; UOB: up to RM8,888 / RM300 TnG eWallet*. Free* fees and cashback on top. Confirm T&Cs on apply.
*Partner + bank campaigns. Approval, activation & min spend usually required. Confirm T&Cs on apply. Updated 2026-07-20.
All cards
35 · Free* · cashback · gifts*
Before you apply — a calm checklist
30 seconds here keeps the whole journey happy.
Will I actually use this reward every month?
Pick a card that fits real spend (groceries, petrol, Grab) — happy rewards, not unused points.
Can I hit the welcome gift min spend?
Only count planned bills and shopping. Real spend = confident you can claim gifts*.
Am I okay with Free* conditions?
Free* often needs annual spend. Read it once — then enjoy the waiver with eyes open.
Am I applying once, or five times?
One strong match beats five rushed clicks. Your future self will thank you.
Quick rules smart applicants love
Match the card to your biggest spend
If most money goes to groceries + petrol, prioritise local cashback — not airline miles you never redeem.
Model the annual fee
A ‘free’ card with weak rewards can beat a premium card if you will not hit bonus tiers.
One primary + one backup
Primary for rewards categories; backup for acceptance and emergencies. Avoid stacking 5 cards with overlapping fees.
Apply where income is verified cleanly
Compare eligibility bands carefully, then apply once — multiple hard enquiries can hurt approval odds.
Ready to apply?
Open the partner page, confirm live gift / Free* / cashback terms, then submit once.
Choose your type (A / B / C)
Compare paths, then shortlist cards.
Still shopping groceries?
Card rewards feel best after you pick the cheapest shelf price.
Promo note (updated 2026-07-20): Free gifts and sign-up offers are run by banks + application partners and change often (often weekly flash deals). Gift amounts above are from publicly listed partner campaigns as of the update date — they may require approval, activation, min spend, and new-to-bank status. Lucky-draw gifts are NOT guaranteed for every applicant. Always confirm on the live application page. Priceory is not the bank and does not issue gifts.
Editorial comparison for planning only — not financial advice. Fees, rates, rewards and eligibility change. Always confirm on the bank application page before you apply. Priceory may earn a commission if you use optional partner apply links, at no extra cost to you.