Credit Card Comparison

Often shortlisted for weekend cashback and TreatsPoints-style everyday rewards.

Minimum income

RM 5,000 / month

Annual fee

Check current waiver and card fee terms

Best for

People who can plan larger weekend spend and want a familiar mainstream bank card pair.

Watch out

Cashback days, caps, merchant exclusions and companion-card usage rules can change.

Keep utilisation controlled before mortgage screening; high outstanding balances may be counted as monthly commitment.

Digital-spend focused card commonly compared for e-wallet, online and contactless usage.

Minimum income

RM 2,000 / month

Annual fee

Check current annual fee and SST treatment

Best for

Younger or online-heavy spenders who want a simple entry-level comparison candidate.

Watch out

Bonus categories, campaign periods and caps can be revised frequently.

Entry-level approval does not mean harmless for DSR; outstanding balance still matters.

Often compared for contactless and online cashback across a two-card setup.

Minimum income

RM 3,000 / month

Annual fee

Check current fee waiver and card pair terms

Best for

Users willing to split spend across card rails to capture category benefits.

Watch out

Separate card caps and eligible transaction rules can make the headline rate misleading.

Multiple cards may increase available credit exposure; avoid carrying balances before loan application.

Commonly compared for everyday cashback across petrol, groceries and selected recurring spend.

Minimum income

RM 3,000 / month

Annual fee

Check current fee and waiver requirements

Best for

Household spenders with repeatable monthly petrol and grocery transactions.

Watch out

Cashback tiers may depend on minimum monthly spend and category caps.

A card can help cash flow tracking, but revolving balances weaken mortgage affordability.

Popular Islamic card option for selected retail and petrol cashback structures.

Minimum income

RM 5,000 / month

Annual fee

Check current fee and rebate terms

Best for

Users who prefer an Islamic card and spend in practical household categories.

Watch out

Eligible merchant categories and monthly cashback caps need bank confirmation.

Useful only if balances are paid down; unpaid card balances can reduce borrowing room.

Category-led cashback card usually assessed by matching chosen categories to real spend.

Minimum income

RM 5,000 / month

Annual fee

Check current annual fee and category rules

Best for

Users with stable spending categories who can monitor category caps.

Watch out

The benefit can drop sharply if your spend misses eligible categories or minimum spend.

Use the card for paid-in-full rewards, not short-term borrowing before housing-loan screening.

Often compared as a digital-first cashback card for selected everyday and online categories.

Minimum income

RM 3,000 / month

Annual fee

Check current annual fee, campaigns and cashback cap

Best for

Users comparing simple cashback cards without chasing too many premium perks.

Watch out

Promotional rates and campaign mechanics may differ from long-term product terms.

If preparing for a mortgage, clear statement balances and keep evidence of settlement.

Premium-leaning card commonly compared for travel, lifestyle and overseas spend.

Minimum income

RM 6,000 / month

Annual fee

Check current annual fee and waiver terms

Best for

Higher-income users who value travel/lifestyle privileges more than simple cashback.

Watch out

Travel perks are only valuable if you actually use them; annual fee trade-offs matter.

Premium cards can carry larger limits, so keep actual outstanding balances low before applying for property financing.