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Top 5 Highest Paying Credit Cards in Malaysia (2025 Edition)

🏦 Top 5 Highest Paying Credit Cards in Malaysia (2025 Edition)


Want to get the most out of your rewards, cashback, or travel reward in 2025? Whether you're a big spender or a cheapskate, the right credit card in Malaysia can keep money in your pocket.


Here in this article, I will present the top high-reward credit cards in Malaysia, their features, and how best to utilize each of them.

1. Maybank 2 Cards Premier

  • Annual Fee: Free for life (with minimum spend)

  • Best For: Cashback + Amex rewards

  • Perks:

    • 5% cashback on weekends

    • TreatsPoints with Amex usage

    • Travel insurance coverage


💡 Tip: Use the Amex card for big purchases to maximize points.

2. Citi Cash Back Platinum Card

  • Annual Fee: RM120 (waived with minimum spend)

  • Best For: High grocery & petrol spenders

  • Perks:

    • Up to 10% cashback on groceries, petrol, Grab, and dining

    • Global Citi World Privileges


Why It Pays: If you spend more than RM3,000/month, this card gives strong returns.

3. HSBC Amanah MPower Platinum Credit Card-i

  • Shariah-Compliant: ✅ Yes

  • Best For: Muslim consumers

  • Perks:

    • Up to 8% cashback on groceries, petrol, eWallet top-ups

    • Charity contribution option via points


Islamic Finance Pick: Perfect for those who prefer halal banking options.

4. Public Bank Quantum Visa/Mastercard

  • Annual Fee: Free for life

  • Best For: Online & contactless spending

  • Perks:

    • 5% cashback on online and contactless payments

    • RM30 min spend/month to qualify


Best Budget Option: Great for students or young working adults.

5. Standard Chartered Smart Credit Card

  • Annual Fee: RM250 (waived with spend)

  • Best For: Flexible rewards

  • Perks:

    • 6% cashback on eWallet reloads, online spending

    • Up to RM15 monthly cashback

Strategic Use: Ideal for Shopee, Lazada, or food delivery spending.

💳 How to Choose the Right Card?

Ask yourself:

  • Do I spend mostly online or offline?

  • Am I looking for cashback, air miles, or installment plans?

  • Is Shariah compliance important?


Compare features using tools like RinggitPlus, CompareHero, or iMoney to find what suits your lifestyle.

✅ Final Thoughts

A smart choice of credit card can help you:

  • Save hundreds of ringgit a year

  • Earn cashback passively

  • Get travel protection for free

Before applying, make sure you read the fine print, especially regarding minimum spend and fees.

Location: Malaysia

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