There are many credit cards in Malaysia tailored for frequent flyers and frequent travellers like yourself to make your trips much more relaxing and fun. More importantly, the right travel credit card for your needs will lighten some of the burden on your pockets.
Here’s a summary list of the Malaysia credit cards that are recommended for frequent travellers:
| Credit Card | Travel Benefits | Minimum Income Requirement |
|---|---|---|
| UOB PRVI Miles Visa Signature | Cash back on overseas spending | RM60,000 |
| Maybank American Express Platinum Credit Card | Travel insurance | RM60,000 |
| Maybank World MasterCard | Airport lounge access | RM120,000 |
| AmBank World MasterCard | Family insurance | RM120,000 |
| Hong Leong Bank AirAsia Credit Card | Earn AirAsia BIG Points | None for Gold and RM60,000 for Platinum |
| CIMB Enrich Platinum Mastercard | Earn Malaysian Airlines Enrich Miles | RM24,000 |
| PB World MasterCard | Wallet replacement coverage | RM150,000 |
| HSBC Visa Signature | Cash advance | RM72,000 |
1. UOB PRVI Miles Card for cash backs of up to RM100
The UOB PRVI Miles is one card that lets you get up to 1% cash back every time you spend RM 1,000 or equivalent overseas. This means that you can get up to RM100 back whenever you swipe this card during your overseas travels. You’ll also be able to get RM10 off your GRAB ride when you use this ride-hailing app in a foreign country, and 50% off your ride to and from the airport. Using the card for accommodations and flight bookings will earn you UNIRinggits, which are points you can use to offset your annual fees.
Credit card information and application: UOB PRVI Miles Card
2. Maybank American Express Platinum Credit Card for free travel insurance
Although this credit card is not specifically dedicated to travelers, it does offer some very attractive perks. These perks give you more security, especially during emergencies overseas. Whenever you charge your travel fares to this card, you can enjoy a complimentary insurance coverage of up to RM 1,000,000 for personal accidents, as well as inconvenience coverage for missed connecting flights, missing luggage and cancelled flight, among others. With this card, you’ll also enjoy the American Express Global Assist which can provide support to you anywhere in the world.
Credit card information and application: American Express Platinum
3. Maybank World Mastercard for free access to 74 premium airport lounges
Waiting in airports can be a boring and tedious process. This credit card with free airport lounge access allows you to spend your waiting hours in luxury, with comfortable seating, entertainment and exclusive bathrooms and toilets. The complimentary access includes more than 74 Plaza Premium Lounges in Malaysia and around the world, including Canada, United Kingdom, Australia, Taiwan and many other countries.
Apart from premium lounges at airports, you can get access to 86 golf clubs in Malaysia and around the world, including on weekdays and public holidays.
Credit card information and application: Maybank World Mastercard
4. Ambank World Mastercard for flight delay lounge access & family insurance
With the Ambank World Mastercard, you will be able to gain access to a comfortable waiting lounge for yourself and up to 3 of your companions with the Mastercard Flight Delay Pass. To do this, you’ll have to register your flight at least 6 hours before take-off. If your flight is delayed by more than 2 hours, simply flash your credit card at the lounge and wait for your flight in comfort!
Additionally, you and all your family members can be covered for up to RM 2,000,000 when you charge your full ticket fares to this card.
Credit card information and application: Ambank World Mastercard
5. Credit cards that earn airline air miles for even cheaper flights
5a. Hong Leong AirAsia Credit Card to earn AirAsia BIG Points easily
Air Asia is arguably Malaysia’s most popular budget airline that flies to more than 165 destinations in 25 countries. As such, it would be a good idea to gather points under this card, which are called BIG points. BIG points can be used to claim discounts on any of your future flights, as well as free one-way flight.
All you have to do is charge your daily spending and AirAsia bookings on this card and you can get up to 6x BIG Points for every RM1 spent. Those who sign-up for the card will also immediately get 25,000 BIG points on the spot as well as a welcome gift. Hong Leong is offering two types of credit cards, Gold and Platinum which you can pick based on your income and spending styles.
Credit card information and application: AirAsia Credit Card
5b. CIMB Enrich Platinum Mastercard to earn Malaysia Airlines Enrich Miles fast
Enrich Miles are Malaysian Airline’s premier air miles that you can earn easily by using this CIMB credit card. In addition to earning Enrich Miles with your travel and everyday purchases, you’ll be able to earn bonus Miles with every RM4 spent locally or overseas. The amount of bonus miles earned are unlimited and have a validity of up to three years. Use them to redeem discounts and other benefits under the CIMB members rewards program.
This card is among the easiest to obtain and maintain, as it only requires you to have an annual income of RM24,000 at least. Additionally, there are no annual fees to worry about.
Credit card information and application: CIMB Enrich Platinum Mastercard
6. Public Bank PB World MasterCard which gives you USD200 for any lost or stolen wallets
This card offers up to RM500,000 in travel insurance coverage and a protection insurance of up to USD200 for replacing lost or stolen wallets while you are travelling. What’s better is that this card will let you save on annual fees, as both principal cardmembers and supplementary cardholders will get a fee waiver for life. This means no matter how much you charge to the card, you’ll never have to pay an annual fee! How awesome is that?
Credit card information and application: Public Bank PB World Mastercard
7. HSBC Visa Signature –Cash Advance for Emergencies
Apart from offering very high reward points when you charge this card online, the HSBC Visa Signature also allows card holders to request a cash advance, which will definitely come in handy during your travels as you may not know when you’ll need it. The advance cash is great in countries where it’s difficult to find an ATM to link up your domestic bank account. There the credit card can more or less function just like an ‘ATM’ if you need to pay vendors that don’t accept credit cards.
Credit card information and application: HSBC Visa Signature
If you’re looking for the best travel credit card in Malaysia, look no further. These Malaysian credit cards actually reward you for travelling, and just like us, you’ll really enjoy a lot of the benefits they offer. Travel with the best Malaysian credit cards in your pocket for peace of mind and assurance when you’re far from home.
