10 Pilihan Teratas Kad Kredit

The Standard Chartered JustOne Platinum Mastercard are top choices for cashback on dining, groceries, and online spending.

The Maybank 2 Cards Premier and HSBC Visa Signature provide excellent travel perks, including lounge access, travel insurance, and more.

Yes, the Public Bank Quantum Visa/Mastercard and AEON Credit Service Visa Gold offer no annual fee options, either by default or through waivers.

Consider your primary spending categories (cashback, rewards, travel perks), income eligibility, and annual fee preferences to pick the card that best fits your needs.

Having multiple credit cards can be beneficial if you want to maximize rewards across different spending categories, but it’s important to manage them responsibly to avoid debt.

Yes, many banks in Malaysia allow foreigners to apply for credit cards, though they may have specific eligibility requirements like a valid work permit, minimum income levels, and additional documentation. Check with each bank for their exact requirements.

Typically, credit card approval can take anywhere from a few days to a couple of weeks, depending on the bank’s processes and the completeness of the documentation submitted.

The minimum income requirement varies by card and bank, but generally, a basic credit card may require a minimum annual income of RM24,000, while premium cards often require higher income levels, usually RM60,000 or more per year.

Yes, some premium credit cards offer zero or reduced foreign transaction fees, which is a great feature for those who frequently shop or travel abroad. It’s best to confirm the foreign transaction fee structure with each card provider.

To maximize rewards, use your card for purchases in high-reward categories (like dining or groceries), meet minimum spending requirements for cashback tiers, and keep track of your card’s promotional offers.