Not only dining outlets and online stores have offered great deals of discount but also the benefits have been extended to the traveling domain as well. This has compelled people to pay through a travel credit card rather than keeping cash in their pocket so they can enjoy many other benefits. Today’s topic cover the top 10 best travel credit card Malaysia 2022.
People find it complex to manage their cash and often run out of budget. Travel credit cards make it much easier to manage the cash now without stepping into a long term gap. You can choose any travel credit card to take care of your daily needs as well as travel requirements.
Travel credit cards have spared us much trouble in this no-touch generation. It’s awesome if you can pay with the help of only one swipe. This would not only save time, but also make it easier for you to manage your cash, especially if you are a frequent traveler.
What are the 10 best travel credit card in Malaysia?
You can opt from many types of travel credit cards in Malaysia. The tough part is to choose the one that would be fulfilling your needs on a long term basis and can turn out to be an actual companion in the hour of need. We have listed the top 10 best travel credit card Malaysia you can choose from to help you decide which one would be your next traveling companion. Take the time to read the following details and choose the best one that suits your needs.
Hong Leong AirAsia Gold Visa
You are eligible to apply if you earn a minimum of RM 2000 monthly income
You are just waiting for cheap deals even though you want to visit your favorite destination? Fly to your planned spot with a Hong Leong AirAsia card that allows you to win up to 6X Big points for daily spends and Air Asia flight bookings!
This Hong Leong AirAsia Gold Visa card would be your companion to give you BIG points from your daily transaction and your expenditures on AirAsia!
Find out more about this Hong Leong travel credit card:
Best Features:
- Zero Annual Fee
- Just 6.99% Balance Transfer fee per annum
- 20 days interest-free
- 3000 BIG Points would be awarded when you spend RM 1500 within the 60 days when the card approves
- When you spend min. RM 3000, extra 3000 Big Points would be awarded.
Cashback Benefits:
- 1 point on every RM 1 for AirAsia transactions
- 1 point on every RM 2 for overseas transactions
- Get 1 point for every RM 3 your spend on local purchase
Who is it for?
- For travel freaks
- Those who want to have more in less price
- Those who don’t want to pay extra fees for a card
Eligibility Criteria:
- Minimum monthly income ought to be RM 2000
- A free supplementary card would be awarded to 18 years old
- 21 to 65 years old can have a primary card
RHB Visa Signature
You are eligible to apply if you earn a minimum of RM 4000 monthly income
RHB Visa Signature is an easy way to earn Plaza Premium Lounge access and KrisFlyer Miles for free. Get instant help anytime you want to.
Enjoy up to 30% savings on beverages and food at resorts in Malaysia and Marriott Bonvoy participating hotels, until 30 December 2022. Maybank Balance Transfer offers a 0% interest rate and installments can be done in 36 months. Best one to go with if you still haven’t decided which one you would choose. Best one to go with if you still haven’t decided which one you would choose.
Find out more about this RHB travel credit card:
Best Features:
- Conversion of daily spends to Airmiles
- RM 2 = 2 KrisFlyer Miles for flight ticket purchase for Singapore Airlines
- Free travel insurance of RM 750,000
- Bill payments via Express AutoPay
Cashback Benefit
- 2 points on every RM 2 on online ticket purchase at Singapore Airlines
- 1 point on every RM 2 on all retail except utilities and government bodies
- Get 1 point for every RM 3 your spend on local purchase
Who is it for?
- Those who often have to travel
- Those who want to have more in less price
- Those who don’t want to pay extra fees for a card
Eligibility Criteria:
- Minimum monthly income ought to be RM 4000
- 18 years old can have a supplementary card
- 21 to 65 years old can have a primary card
CIMB Petronas Platinum Card
You are eligible to apply if you earn a minimum of RM 4000 monthly income
CIMB Petronas Platinum Card is one of the most favorite choices for travelers out there with many additional benefits. With zero annual fees, it makes it much easier for frequent travelers like you to pay for your expenses. Also, you get to enjoy cashback on both international and national level.
Find out more about this CIMB travel credit card:
Best Features:
- Express AutoPay for bill payments
- Enjoy 2 KrisFlyer Mileage point if you use this card to buy ticket from Singapore Airlines
- Access to airport lounge
- Travel insurance of RM750,000
Cashback Benefits:
- 2 points on every RM 2 on online ticket purchase at Singapore Airlines
- 1 point on every RM 2 on all retail except utilities and government bodies
- Get 1 point for every RM 3 your spend on local purchase
Who is it for?
- Those who often have to travel
- Those who want to have more in less price
- Those who don’t want to pay extra fees for a card
Eligibility Criteria:
- Minimum monthly income ought to be RM 4000
- Free supplementary card would be awarded to 18 years old
- 21 to 65 years old can have a primary card
UOB PRVI Miles Card
You are eligible to apply if you earn a minimum of RM 4000 monthly income
Enjoy up to 10X UNIRinggit on travel agencies, airlines, and hotels in addition to 50% of the rides to or from the airport. With every swipe, earn Air Miles with UOB PRVI Miles Card!
Convert UNIRinggit to Air Miles with top frequent flyer programs such as KrisFlyer Miles, Enrich Miles, Asia Miles and AirAsia BIG Points. Redeem up to 5 Air Miles by just spending minimum RM 1800.
Find out more about this UOB travel credit card:
Best Features:
- Air Miles conversion for expenditures
- On every RM1 spent earn up to 12 UNIRinggit Reward Points
- 0% Easy payment plans for 3 months
Cashback Benefits:
- Convert daily spend to air miles
- For every RM 1 you spend, you can get up to 12 UNIRinggit cashback rewards points
- Fly free with AirAsia, Asia Miles airline partners, Singapore Airlines and redeem points to fly free
- Easy installment plans for 3 months at 0% interest rate
Who is it for?
- Those who want to go with Easy payment plans
- Those who enjoy redeeming points for additional benefits.
Eligibility Criteria:
- Minimum monthly income ought to be RM 4000
- 18 years old can have a supplementary card
- 21 to 65 years old can have a primary card
RHB World MasterCard Credit Card
You are eligible to apply if you earn a minimum of RM 6666.67 monthly income
Enjoy up to 6% cashback on travel, dining, and petrol. Also get access to the airport lounge, travel insurance, and complimentary golf privileges. Complimentary lounge facilities offered in this credit card are simply incredible. It includes cashback and privileges on food and beverages, newspapers and magazines, high-speed internet access, entertainment and flight information.
You can even enjoy a walk-in rate with a 25% discount at all Plaza Premium Lounges in Malaysia and 20% at all the lounges all around the world if you have this credit card by your side.
Find out more about this RHB travel credit card:
Best Features:
- Up to 6% cashback per month on petrol, dining, and travel
- Free Plaza accesses in Malaysia
- 20% discount at Lounges worldwide except Beijing and Shanghai
- Travel insurance of RM 600,000
- Zero green fees
Cashback Benefits:
- 1% Cashback rate from RM 1000 up to RM 2499 monthly
- 2% Cashback rate from RM 2500 up to RM 3499 monthly
- 6% Cashback rate from RM 3500 and above monthly
Who is it for?
- Who spends often
- For those who travel once in a while
Eligibility Criteria:
- Minimum monthly income ought to be RM 2000
- 18 years old can have a supplementary card
- 21 to 65 years old can have a primary card
Standard Chartered WorldMiles World MasterCard
This credit card can be availed with as little as RM 7500 monthly income
Get the fastest reward redemption for air tickets at the very lowest cost with Standard Chartered WorldMiles World Mastercard.Use your WorldMiles Points to redeem Cathy Pacific Asia Miles, Singapore Airlines KrisFlyer Miles, AirAsia BIG Points, and Malaysia Airlines Enrich Miles for cheaper flights!
Use Worldmiles MasterCard to get excellent travel perks! Nationwide more than 700 Good life dining deals- enjoy great discounts on shopping and dining! To top that off, it also has great discounts on shopping and dining to make your daily savings much more impressive with a low interest credit card at 15% interest rate per annum.
Find out more about this Standard Chartered travel credit card:
Best Features:
- Convert daily spend to air miles
- Redeem WorldMiles Points to get free tickets from Cathy, Singapore Airlines, AirAsia, and Cathay Pacific
- Plaza Premium Lounge in KLIA and KLIA 2 free of cost
- Airport transfer for free
- Awesome shopping and dining deals
Cashback Benefits:
- 1 point on every RM 3 on local expenses
- 4.5 points on every RM 3 on overseas expenses
Who is it for?
- For travel freaks
- Those who want to have more in less prize
- Those who don’t want to pay extra fees for a card
Eligibility Criteria:
- Minimum monthly income ought to be RM 2000
- A free supplementary card would be awarded to 18 years old
- 21 to 65 years old can have a primary card
Citi PremierMiles Mastercard
You are eligible to apply if you earn a minimum of RM 8333.33 monthly income
Use 10% cashback to welcome your VIP lifestyle and get amazing offers on food deliveries, selected hotel dining, and many more. The annual fee will be waived in the subsequent anniversary when you spend a minimum of RM 80, 000 within the next 12 months starting from the next anniversary date.
So, at a low interest rate of 15% p.a. This travel credit card is a low maintenance card with fantastic cashback options.
Find out more about this Citibank travel credit card:
Best Features:
- Convert daily spend to Airmiles
- Redeem points for free flights in the form of Premier Miles from more than 90 airline partners
- On the card anniversary get 10,000 PremierMiles for free
- Travel insurance of RM 300,000
- Selected merchants can go for 48 months installation with a 0% interest rate
Cashback Benefits:
- 10% uncapped cashback from RM 20 and above in a single receipt
- 10% Cashback with RM 80 monthly cap from RM 200 and above monthly
Who is it for?
- For those who travel often
- For those who are into best cashback offers
Eligibility Criteria:
- Minimum monthly income ought to be RM 2000
- A supplementary card would be awarded to 18 years old
- 21 to 65 years old can have a primary card
Maybank American Express Platinum
You can apply for this credit card with RM 5000 monthly income
Now you can enjoy a VIP lifestyle at the fee of just 9% p.a. with exclusive Platinum privileges on golf, dining, and hotel and up to 5x Membership Reward Points.
Find out more about this Maybank travel credit card:
Best Features:
- Convert daily spend to Airmiles
- 150,000 Skywards Miles or get a free business class flight to Europe
- As Anniversary Bonus get 10,000 Skywards Miles
- Get 5,000 Skywards Miles as Welcome Bonus
- Travel insurance of USD 400,000
- Get complimentary access to lounge
- Enjoy membership for LoungeKey
- Get free wifi and limo service for your trips
- ENjoy insurance protection on purchase from AIG
Cashback Benefits:
- 2.5 point on every RM 4 for Emirates transaction
- 1.75 point on every RM 4 for overseas transactions
- 1 point on every RM 4 for local transactions
Who is it for?
- For travel freaks
- Those who want to have more in less price
- Those who don’t want to pay extra fees for a card
Eligibility Criteria:
- Minimum monthly income ought to be RM 5000
- 18 years old can have a supplementary card
- 21 to 65 years old can have a primary card
UOB Visa Infinite
You are eligible to apply if you earn a minimum of RM 10000 monthly income
Enjoy infinite travel experiences such as golf benefits, air miles redemption, travel insurance, airport lounge access, and complimentary airport rides. You can even enjoy golf benefits and travel insurance to add more to your credit card facilities.
Those who can meet the minimum monthly earning requirement should go for this one to save and enjoy great privileges.
Find out more about this UOB travel credit card:
Best Features:
- Convert daily spend to air miles
- Cathay Pacific
- Free airport transfer
- Awesome dining & shopping deals
Cashback Benefits:
- On local expenses get 1 point on every RM 3
- On overseas expenses get 4.5 points on every RM 3
Who is it for?
- For mid-level earners
- Those who want to have more in less price
- Those who don’t want to pay extra fees for a card
Eligibility Criteria:
- Minimum monthly income ought to be RM 10000
- A supplementary card would be awarded to 18 years old
- 21 to 65 years old can have a primary card
Singapore Airlines KrisFlyer American Express Gold
You are eligible to apply if you earn a minimum of RM 4,000 monthly income
Singapore Airlines KrisFlyer American Express Gold offers you ultimate travel cashback luxury. You can withdraw credit at a low interest rate starting from 15% per annum with a full 20-day interest free ride. That means if you manage to pack back the credit in 20 days, you will not be charged anything on your credit amount.
This extra financial flexibility will allow you to invest in your monthly expenses, refurbish your home or even go on trips or vacations without any worry. Plus, the complimentary lounge access and cashback offers on flight tickets and retail shopping can save you some serious money on the go.
Find out more about this credit card:
Best Features:
- Free annual fee for the first year
- Balance transfer fee starts from 0% p.a.
- Easy payment plan from 0% p.a.
- 24/7 American Express Global Assist anytime anywhere
- 5x complimentary access to airport lounges
- Free travel insurance coverage up to RM 750,000
- 30% discount at Marriott Bonvoy’s participating resorts and hotels when you spend on food and non-alcoholic beverages (Available till 30th December 2022)
Cashback Benefits:
- Enjoy 2 points for every RM 2 spent on buying flight tickets from Singapore Airlines
- Enjoy 1 point for every RM 2 spent on all retail outlets except utilities and Government bodies
Who is it for?
- Loves to travel in style
- Likes to have the safety net of insurance while travelling
- Want to save up on travel expense
Eligibility Criteria:
- Minimum monthly income ought to be RM 4000
- A free supplementary card would be awarded to 18 years old
- 21 to 65 years old can have a primary card
Things to Consider
These are some of the thoughts that should be taken into consideration while going for a best travel credit card Malaysia. You won’t want your card to cause you trouble. Make sure to check these factors and see if they are according to your requirements
Travel Cashback points
Choose a credit card that gives you maximum travel cashback for both local and international travelling. This will help you to get the most points to save on your travel adventures.
Travel Benefits
When it comes to travel credit cards, only cashback offers are not enough. To enjoy your trips to the fullest, you need to choose a credit card which gives you more travel benefits. It could be access to premium lounges, discounts on duty free shops and even travel coverage.
Travel Cash Back Limits
Some credit cards in Malaysia have spending limits. So, if you don’t use your credit card over that amount you won’t be able to enjoy your travel rebates. So, make sure to choose a best credit card that enables you to use your cashback rebates within your usual credit spending limits.
Related Post: 10 Best CashBack Credit Card in Malaysia
FAQ
Can I apply for multiple travel credit card in Malaysia?
You just need to submit the relevant personal documents after filling the application form. Just press apply and fill in the asked details. Within one working day, you will receive a call from us to see if you are eligible and then the application would be submitted to the bank. Until your application is approved, you will deal with the bank directly and you will receive your best travel credit card soon enough.
How long will it take to approve my travel credit card?
Every card issuer has his own processing time to approve the application. However, other through mail or bank collection, it takes 7-10 days to receive the Travel Credit Card. Be sure to submit all the relevant documents with the correct details required by the card issuer to make the process even faster and efficient.
What should I do if I lose my travel credit card or it gets stolen?
Request the blockage of the card after contacting the respective bank. You would be liable for the charges made on your card if you do not report it as soon as possible. The hotline services are available if you have any issues. Also, unauthorized usage should be reported to the police as soon as possible to get rid of any complication.
Conclusions
Travelling can be both for pleasure and business, but if your journey is not pleasant your trip can quickly turn out to be a disaster. So, make sure to choose a best travel credit card Malaysia that gives you enough cashback and benefits to let you have a financially feasible travel experience both in local and overseas destinations.