Best Cashback & Travel Credit Cards in Malaysia (2025)

Choosing the right credit card can help you manage your finances more effectively by offering cashback on everyday purchases or rewards for travel expenses. In Malaysia, many credit cards cater specifically to these needs. Below is a comprehensive guide to the best cashback and travel credit cards in 2025, including their features, eligibility criteria, and benefits.

Best Cashback Credit Cards

1. Standard Chartered Simply Cash Credit Card

Cashback: Up to 15% on selected categories
Annual Fee: Free for the first year (waived in subsequent years with minimum spending)
Minimum Income Requirement: RM3,000/month
Additional Benefits: Instant cashback without the need to accumulate points

🔗 Apply Here: Standard Chartered Official Website

2. RHB Shell Visa Credit Card

Cashback: Up to 12% cashback on fuel purchases at Shell stations
Annual Fee: Free for the first year
Minimum Income Requirement: RM2,000/month
Additional Benefits: Extra cashback on dining and groceries

🔗 Apply Here: RHB Official Website

3. UOB ONE Credit Card

Cashback: Up to 10% on selected categories
Annual Fee: Free for the first year (waived in subsequent years with minimum spending)
Minimum Income Requirement: RM3,000/month
Additional Benefits: High cashback rates on dining, groceries, and utility bill payments

🔗 Apply Here: UOB Official Website

4. HSBC Live+ Credit Card

Cashback: Up to 8% on selected categories
Annual Fee: Free for the first year
Minimum Income Requirement: RM5,000/month
Additional Benefits: Exclusive dining and entertainment privileges

🔗 Apply Here: HSBC Official Website

5. RHB Cash Back Visa Credit Card

Cashback: Up to 10% on selected categories
Annual Fee: Free for the first year
Minimum Income Requirement: RM2,000/month
Additional Benefits: Cashback on dining, utilities, and online spending

🔗 Apply Here: RHB Official Website

Best Travel Credit Cards

1. UOB Visa Infinite Card

Annual Fee: RM600
Minimum Income Requirement: RM120,000/year
Foreign Transaction Fee: Visa rate + 1%
Travel Rewards:
✅ 12x airport lounge access
✅ 12x complimentary limousine rides
✅ 10x rewards points on overseas spend

🔗 Apply Here: UOB Official Website

2. PB Visa Signature Card

Annual Fee: RM388
Minimum Income Requirement: RM100,000/year
Foreign Transaction Fee: Visa rate + 1.25%
Travel Rewards:
✅ 3% cashback on selected spend
✅ Complimentary travel insurance
✅ 2x airport lounge access

🔗 Apply Here: Public Bank Official Website

3. RHB Visa Infinite Card

Annual Fee: Lifetime Free
Minimum Income Requirement: RM150,000/year
Foreign Transaction Fee: 1%
Travel Rewards:
✅ 5x rewards on overseas spending
✅ Luxury travel perks including golf privileges
✅ Complimentary travel insurance

🔗 Apply Here: RHB Official Website

4. HSBC TravelOne Credit Card

Annual Fee: Free for the first year (waived in subsequent years with minimum spending)
Minimum Income Requirement: RM5,000/month
Foreign Transaction Fee: 1%
Travel Rewards:
✅ Earn air miles on every spend
✅ Complimentary travel insurance
✅ Airport lounge access

🔗 Apply Here: HSBC Official Website

5. Maybank 2 Cards Premier Reserve American Express

Annual Fee: RM800
Minimum Income Requirement: RM100,000/year
Foreign Transaction Fee: 3.5%
Travel Rewards:
✅ Extra rewards on overseas spend
✅ Luxury travel benefits including dining and golf privileges

🔗 Apply Here: Maybank Official Website

Factors to Consider When Choosing a Credit Card

When selecting a credit card, whether for cashback or travel purposes, consider the following factors:

📌 Spending Habits: Choose a card that offers the highest rewards or cashback for categories you frequently spend on, such as groceries, dining, or fuel.
📌 Annual Fees: Ensure the benefits and rewards outweigh the annual fee, or choose a card that offers a waiver upon meeting certain spending thresholds.
📌 Foreign Transaction Fees: For travel credit cards, lower foreign transaction fees can lead to significant savings when spending abroad.
📌 Rewards Redemption: Understand the conversion rates and redemption options for rewards points or air miles. Some cards offer better value when redeeming for specific airlines or services.
📌 Additional Benefits: Look for extra perks such as complimentary travel insurance, airport lounge access, or concierge services that can enhance your travel experience.

Conclusion

Choosing the right credit card depends on your financial habits and lifestyle needs. The cards listed above are among the top options in Malaysia for 2025, offering a range of benefits tailored to cashback enthusiasts and frequent travelers.

💡 Tip: Always review the latest terms and conditions, and consult with the respective banks to ensure the card aligns with your financial goals!