Best Credit Cards Malaysia 2026: Cashback, Miles, Petrol
RM 360. That is the most the most-recommended cashback card in Malaysia will pay you in a year, and almost no "best card" list says so, because the RM 30 monthly cap does the deciding, not the 5% on the poster. We re-checked every card recommended on this page against the issuing bank's own website in August 2026, and the caps were not the only thing being misreported.
Short answer: For most Malaysians the CIMB Cash Rebate Platinum is still the sensible default — but for 2% or 5% depending on your statement balance, capped at RM 30 a month, on RM 24,000 annual income. If you refuel at PETRONAS, the CIMB PETRONAS Visa Platinum-i pays up to 8% on the same RM 24,000 floor with the fee waived. If you want a card with no fee and no conditions attached to the waiver, the BSN Visa Classic is the cleanest of the entry cards.
What changed in this update (24 August 2026). Four cards that appear on competing lists — and on an earlier version of this page — did not survive a check against the issuer's own website. There is no "PETRONAS Sprinta Visa Infinite", no "AmBank Zero", and no "RHB Cashback Visa Platinum". "Maybank 2 Cards Gold" is really Maybank 2 Gold Cards, and it has a lifetime fee waiver rather than the RM 80 fee widely quoted for it. The UOB PRVI Miles, a fixture of Malaysian travel-card roundups, now states on UOB's own page that applications are no longer accepted. Every figure below is sourced to the bank that issues the card, and where a bank would not confirm a number we say that instead of guessing.
Best Credit Card Malaysia 2026: At a Glance
| Category | Best Card | Key Benefit | Annual Income Req. | Annual Fee |
|---|---|---|---|---|
| Best Overall Cashback | CIMB Cash Rebate Platinum | 5% on petrol, groceries, cinema and SI bills at RM 3,000+ statement balance (2% below), capped RM 30/month | RM 24,000 | Waived |
| Best for Petrol | CIMB PETRONAS Visa Platinum-i | Up to 8% at PETRONAS, Setel and PETRONAS EV charging | RM 24,000 | Waived |
| Highest Petrol Rate | CIMB PETRONAS Visa Infinite-i | Up to 12% at PETRONAS, Setel and EV charging | RM 120,000 (RM 60,000 CIMB@Work) | Waived |
| Best for Weekend Spend | Maybank 2 Gold Cards | 5% cashback on weekends capped RM 50/month, 5X TreatsPoints weekdays | RM 30,000 | Lifetime waiver |
| Best for Online & E-Wallet | AFFIN DUO Visa Cash Back | 3% on e-commerce, e-wallet reloads and auto-billing, capped RM 30–50/month | RM 24,000 | RM 75/year, waived first 3 years |
| Best Entry Card | BSN Visa Classic | Lifetime fee waiver with no conditions attached | RM 24,000 | No annual fee |
| Best Islamic Petrol Card | Maybank Islamic PETRONAS Ikhwan Visa Platinum-i | 8% cashback at PETRONAS on Saturdays and Sundays | RM 60,000 | Lifetime waiver |
| Best for Travel Miles | UOB PRVI Miles Elite | 12X UNIRM in SG/TH/VN/ID, 10X elsewhere overseas, 1X local, 8 lounge visits/year | RM 100,000 | RM 600/year, waived at RM 50,000 spend |
Source: issuer websites — cimb.com.my, maybank2u.com.my, affinalways.com, bsn.com.my, uob.com.my — plus the CIMB Cash Rebate Platinum Terms and Conditions (version 18 September 2024) for the tier and cap structure. All verified 24 August 2026. Rates and caps change without much fanfare; check the bank's page before you apply.
How We Picked These Cards
We evaluated 32 Malaysian credit cards across six criteria: effective cashback/rewards rate (accounting for caps and minimum spend), annual fee relative to rewards earned, income eligibility, category fit (not all cashback cards are equal for petrol vs groceries), redemption ease (some reward points expire or require minimum thresholds), and supplementary card perks (lounge access, travel insurance).
Cards were excluded if the "headline rate" only applies during the first 3 months, requires minimum spend above RM 3,000/month for an average household, or has a fee structure that wipes out most of the stated rewards.
As of the August 2026 review we added a seventh test, and it turned out to be the one that eliminated the most entries: does the card exist, under that name, on the issuer's own website, and is it still open to applications? Four cards that had been sitting in this comparison failed it. Aggregator sites and AI-written roundups copy each other's card names, and a card that was renamed, retired or never existed can circulate for years without anyone checking against the bank.
Best Cashback Credit Card Malaysia
Cashback cards return a percentage of every ringgit you spend — no redemption required, credited directly to your statement. The best cashback cards in Malaysia target the three biggest household spending categories: petrol, groceries, and utilities.
Editor's Pick: CIMB Cash Rebate Platinum
- 5% on cinema, petrol, groceries and mobile/utility bills — but only when your monthly statement balance is RM 3,000 or above. Below that, the same categories earn 2%
- Bonus categories capped at RM 30 per month in total — not RM 30 per category
- Utility and mobile bills count only when paid by standing instruction
- 0.2% on everything else, uncapped
- Annual fee waived, principal and supplementary
- RM 24,000 annual income (RM 2,000/month)
Here is the arithmetic nobody prints. Spend RM 2,000 a month on petrol and groceries and your statement balance is RM 2,000, which puts you in the 2% tier: RM 40 of rebate, trimmed to the RM 30 cap. That is RM 360 a year. Push your statement balance past RM 3,000 and you unlock 5%, which earns the RM 30 cap on just RM 600 of category spend, and then stops. Either way the ceiling is RM 360 a year. The 5% is real, but it is a rate that stops mattering after RM 600 a month.
That still makes it the best default cashback card in Malaysia, because the fee is genuinely waived for life and the categories match how most households actually spend. Just size your expectations to RM 360, not the RM 700-plus figure that circulates.
Runner-up: AFFIN DUO Visa Cash Back — 3% on e-commerce, e-wallet reloads and auto-billing. The cap tiers the same way CIMB's does: RM 50/month if your previous balance was RM 3,000 or more, RM 30/month below it, with e-wallet transactions capped at RM 30 inside that. Government payments, charity, JomPAY, FPX and online banking transfers are excluded. The fee is RM 75 a year, waived for the first three years and then on 12 retail swipes annually, and the income floor is RM 24,000 — not the RM 18,000 quoted in most roundups.
Deep dive: Best Cashback Credit Cards Malaysia 2026 →
Check Cashback Card Eligibility on RinggitPlusBest Travel Credit Card Malaysia
Travel rewards cards earn air miles or points redeemable for flights — typically AirAsia BIG Points, Enrich Miles (Malaysia Airlines), or transferable points to multiple airline programs. The math only works if you fly at least 2–4 times per year.
Editor's Pick: UOB PRVI Miles Elite
- 12X UNIRM per RM 1 spent in Singapore, Thailand, Vietnam and Indonesia
- 10X UNIRM per RM 1 spent in all other foreign currencies
- 5X UNIRM on airline spend, 1X UNIRM on local spend
- Eight complimentary airport lounge visits a year for the principal cardholder, including a private lounge at KLIA Terminal 1
- Annual fee RM 600, waived from January 2026 on RM 50,000 of annual spend
- RM 100,000 annual income
Be honest with yourself about that income floor and that fee. This is a card for people who already fly on someone else's schedule several times a year — the regional 12X rate is genuinely strong, but RM 600 is roughly two years of the best cashback card's entire output, so the lounge access and the overseas multiplier have to be doing real work for you.
If you don't clear RM 100,000: we could not find a miles card at a middle income that we would recommend on the numbers. The honest answer is that at RM 30,000–60,000 a year, a lifetime-waiver cashback card usually beats a miles card, and you buy the flight with the cashback. We would rather say that than pad this section.
Deep dive: Best Travel Credit Cards Malaysia 2026 →
Best Petrol Credit Card Malaysia
Malaysian drivers spend an average RM 400–600/month on petrol. A 5–8% rebate on that spend alone is worth RM 240–576/year — enough to justify a dedicated petrol card even if you keep your main cashback card for everything else.
Editor's Pick: CIMB PETRONAS Visa Platinum-i
- Up to 8% cash rebate on PETRONAS transactions, Setel payments at PETRONAS, and EV charging at PETRONAS stations
- Up to 2% on groceries, dining and cashless parking
- Annual fee waived, principal and supplementary
- RM 24,000 annual income
Earning more than 8%: CIMB PETRONAS Visa Infinite-i — the same rebate structure at up to 12%, also with the fee waived, but the income requirement jumps to RM 120,000 a year, or RM 60,000 if your employer is a CIMB@Work company. Worth asking your HR department about, because that single condition halves the threshold.
If you refuel on weekends: the Maybank Islamic PETRONAS Ikhwan Visa Platinum Credit Card-i pays 8% at PETRONAS on Saturdays and Sundays with a lifetime fee waiver, on RM 60,000 income. Maybank's Ikhwan Visa Gold Card-i runs the same weekend structure at RM 30,000.
The limitation on all of these is brand lock-in: you have to refuel at PETRONAS to earn the headline rate. If you fill up wherever is nearest, the CIMB Cash Rebate Platinum treats petrol as a category rather than a brand: lower rate, no loyalty required, and the same RM 30 monthly cap discussed above.
CIMB's product pages do not publish a monthly cap for the PETRONAS cards. We are not going to invent one: check the card's Product Disclosure Sheet before assuming the 8% runs uncapped.
Deep dive: Best Petrol Credit Cards Malaysia 2026 →
Best Credit Card for Online Shopping Malaysia
Online shopping cards pay a higher rate on e-commerce than on physical retail. The catch is almost never the rate — it is the cap and the exclusion list, and those are what this section is really about.
Editor's Pick: AFFIN DUO Visa Cash Back
- 3% on e-commerce and online transactions, e-wallet reloads, and auto-billing
- Capped at RM 50/month if your previous statement balance was RM 3,000 or above, RM 30/month if it was below
- E-wallet transactions carry their own RM 30/month ceiling inside that cap
- Excluded: government services, charity, JomPAY, online banking transfers, FPX, and mail or telephone orders
- Annual fee RM 75, waived for the first three years, then waived on 12 retail swipes a year
- RM 24,000 annual income
Those exclusions deserve a second read, because they cover a lot of what Malaysians actually pay for online. Settling a bill through JomPAY or FPX earns nothing here. The card is strong on marketplace shopping and e-wallet top-ups and irrelevant for everything routed through online banking.
Read against the older version of this page, three things changed: the fee is not "free for life", the income floor is RM 24,000 rather than RM 18,000, and the cashback is capped. The rate was the only part that was right.
On "Hong Leong Sumo Platinum": a card by that name appeared in the previous version of this comparison. We could not find it anywhere on hlb.com.my in August 2026, so we have removed it rather than keep repeating it. If Hong Leong publishes it under a different name we will add it back with the bank's own figures.
Deep dive: Best Credit Cards for Online Shopping Malaysia 2026 →
Best Credit Card for Dining & GrabFood
This is the section where card marketing and card terms diverge most sharply. Malaysian banks advertise weekend cashback and readers hear "food delivery cashback" — but almost none of these cards name dining or delivery as a category at all. They pay on when you spend, not what you spend on.
Editor's Pick: Maybank 2 Gold Cards
- 5% cashback on weekend spend, capped at RM 50 per month
- 5X TreatsPoints on weekday spend
- Dual card (Visa + American Express) for wider merchant acceptance
- Lifetime annual fee waiver
- RM 30,000 annual income (RM 2,500/month)
Note the two corrections against the older version of this page. The card's name is Maybank 2 Gold Cards, not "Maybank 2 Cards Gold", and the fee is not RM 80 a year, it is waived for the life of the card. The 5% is also weekend retail spend generally rather than a dining rate, so a weekday GrabFood habit earns the weekday structure, not 5%.
Spending more, weekends still: Maybank 2 Platinum Cards run the same 5% weekend structure with the same RM 50 cap and a lifetime waiver, at RM 60,000 income. There is no reason to reach for it over the Gold unless you need the higher limit.
If you eat out on weekdays: we could not confirm a Malaysian card with a genuine everyday dining rate at a normal income floor. Rather than name one that does not deliver it, the practical move is to run weekday dining through whatever card gives you an uncapped base rate and stop optimising a category the banks are not currently competing on.
Deep dive: Best GrabFood & Dining Credit Cards Malaysia 2026 →
Best First Credit Card Malaysia (Low Income)
Most premium credit cards require RM 36,000–100,000 annual income. For fresh graduates and early-career Malaysians, the options narrow fast — and the floor is higher than most guides admit.
The RM 18,000 card is a myth. Roundups across the Malaysian web, including the earlier version of this page, list cards at RM 18,000 a year, or RM 1,500 a month. In August 2026 we went card by card through the issuers' own sites looking for one and could not confirm a single one. AmBank's listing has no "AmBank Zero". BSN's Visa Classic states RM 24,000. AFFIN's DUO states RM 24,000. RM 24,000 a year — RM 2,000 a month — is the realistic entry point, and if you earn less than that, a debit card or a secured card against a fixed deposit is the honest route rather than an application that will be declined and sit on your CCRIS record.
| Card | Min. Annual Income | Annual Fee | Key Benefit |
|---|---|---|---|
| BSN Visa Classic | RM 24,000 | No annual fee, lifetime waiver, no conditions | The cleanest terms of any entry card we verified |
| CIMB Cash Rebate Platinum | RM 24,000 | Waived | 2% or 5% on petrol and groceries by statement tier, capped RM 30/month |
| CIMB PETRONAS Visa Platinum-i | RM 24,000 | Waived | Up to 8% at PETRONAS — the highest rate available at this income floor |
| AFFIN DUO Visa Cash Back | RM 24,000 | RM 75/year, waived first 3 years | 3% on online, e-wallet and auto-billing, capped RM 30–50/month |
| Maybank 2 Gold Cards | RM 30,000 | Lifetime waiver | 5% on weekend spend, capped RM 50/month |
| RHB Cash Back Visa | RM 24,000 (not confirmed first-party) | Free year 1, then RM 70 waived at RM 10,000 spend (not confirmed first-party) | Up to 10% across six categories — see note below |
A note on the RHB row. RHB's own card pages would not load for us during this review; the site returned an error page rather than the card listing. The figures above come from comparison sites, which we treat as a lead and not a source, so they are marked as unconfirmed rather than presented alongside the verified rows. The previous version of this page listed an "RHB Cashback Visa Platinum" at a flat 1%. We found no trace of a card by that name, and RHB's actual cashback card — the RHB Cash Back Visa — is structured completely differently. Because we could not reach RHB's own pages, we are stating that as "unconfirmed" rather than as a finding. Confirm with RHB directly before applying.
Recommendation for a first card: start with the BSN Visa Classic if you want the simplest terms in the market: no fee, no waiver conditions, no cap arithmetic to track. Once you are comfortably clear of RM 24,000 and spending more than RM 3,000 a month, move to the CIMB Cash Rebate Platinum as your main card, where the 5% tier actually activates, and add the AFFIN DUO Visa Cash Back for online and e-wallet spend. That pair tops out around RM 66–80 of rebate a month once both caps are full: a real number, and a much smaller one than the rates suggest.
Islamic Credit Cards Malaysia
Islamic credit cards operate on Ujrah (fee-based) or Qard (interest-free loan) principles, replacing conventional interest with a fixed annual membership fee or profit rate on outstanding balances. The key difference for the cardholder: late payment charges are handled differently, and the card structure avoids riba (interest).
Most major Malaysian banks offer Islamic variants of their conventional cards at identical benefits and fees:
These are the Islamic cards we could verify on the issuers' own sites in August 2026:
- CIMB PETRONAS Visa Platinum-i — up to 8% at PETRONAS, Setel and PETRONAS EV charging, fee waived, RM 24,000. The most accessible high-rate Islamic card in the market
- CIMB PETRONAS Visa Infinite-i — the same structure at up to 12%, fee waived, RM 120,000 (RM 60,000 for CIMB@Work employees)
- Maybank Islamic PETRONAS Ikhwan Visa Platinum Credit Card-i — 8% at PETRONAS on Saturdays and Sundays, lifetime fee waiver, RM 60,000
- Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i — the same weekend structure with a lifetime waiver at RM 30,000
- Maybank Islamic Ikhwan American Express Platinum Credit Card-i — 8% monthly on online spend up to RM 100, lifetime waiver, RM 40,000
- Maybank Islamic Ikhwan Mastercard Platinum Credit Card-i — 5% rebate on petrol and groceries on Fridays and Saturdays, lifetime waiver, RM 40,000
The previous version of this page listed a "CIMB Islamic Visa Platinum" and a "Maybank Islamic 2 Cards Gold". Neither name appears in either bank's current range, and we have replaced them with the cards the banks actually issue. We have also dropped the claim that Bank Islam's Visa Classic pays 1% cashback — we could not confirm any rate for it first-party.
One genuine advantage worth knowing: the Islamic PETRONAS cards are not watered-down versions of their conventional siblings. On the CIMB side they carry the highest petrol rebate rates the bank offers, full stop. Choosing the Shariah-compliant structure costs you nothing in rewards here, which is not true in every product category.
Key Terms You Must Understand Before Applying
| Term | What It Means | Why It Matters |
|---|---|---|
| Cashback cap | Maximum monthly cashback earned per category | A RM 30/month cap on 5% petrol means you stop earning after RM 600 petrol spend — irrelevant for most, limiting for company-card users |
| Minimum spend | Monthly spend threshold before cashback activates | Some cards offer 5% cashback only if you spend RM 1,500+/month. Below the threshold, you earn 0.1% |
| Annual fee | Yearly membership fee charged to your card | Usually waivable with 12+ annual swipes. Free-for-life cards have no condition |
| Finance charge | Interest on outstanding balances (typically 15–18% p.a.) | Paying your full balance monthly = zero finance charge. Any cashback earned is wiped out by 1–2 months of carried balance |
| Supplementary card | Additional card on your account for a family member | Usually free or RM 50–100/year; the supplementary cardholder's spend earns rewards on the primary account |
| Annual income requirement | Gross annual income to qualify (salary + fixed allowances) | Failure to meet this means instant rejection. Some banks use household income, some use individual |
How to Apply for a Credit Card in Malaysia
The simplest route: use a comparison site like RinggitPlus to check eligibility across multiple banks simultaneously and apply with pre-filled documents. Manual applications at a bank branch take 1–2 weeks longer and require physical document submission.
Required documents (standard for all banks):
- MyKad (NRIC) front and back
- Latest 3 months payslips or EPF statement (employees)
- Latest EA form or 2 years Notice of Assessment (self-employed)
- Bank statement for the past 3 months (some banks require this)
Typical approval timeline:
- Online application: 5–10 business days
- Instant pre-approval (Maybank, CIMB via their apps): 1–3 days
- Card delivery after approval: 7–14 business days
Frequently Asked Questions
What is the easiest credit card to get in Malaysia?
The lowest income floor we could confirm on any issuer's own site is RM 24,000 a year (RM 2,000/month), which gets you the BSN Visa Classic, the CIMB Cash Rebate Platinum or the AFFIN DUO Visa Cash Back. BSN's card is the most forgiving of the three: no annual fee, no conditions attached to the waiver, and BSN has long been the accessible option for civil servants. Be sceptical of any list quoting an RM 18,000 card. We went looking for one in August 2026 and could not confirm a single one first-party.
Which credit card gives the highest cashback in Malaysia 2026?
The highest headline rate belongs to the CIMB PETRONAS Visa Infinite-i at up to 12% on PETRONAS fuel, but it needs RM 120,000 a year (RM 60,000 for CIMB@Work customers). For a normal income, the CIMB PETRONAS Visa Platinum-i pays up to 8% at PETRONAS on RM 24,000. Headline rates matter less than caps: the CIMB Cash Rebate Platinum's bonus categories stop at RM 30 of rebate a month, so the most anyone earns there is RM 360 a year no matter how much they spend.
Is it worth getting a credit card with an annual fee in Malaysia?
Only if the rewards or perks exceed the fee. The UOB PRVI Miles Elite charges RM 600 a year unless you spend RM 50,000, so it only makes sense if you are flying enough to redeem well past that in fares and using its eight lounge visits. For most Malaysians spending RM 2,000–4,000/month, a card with a genuine lifetime waiver — CIMB Cash Rebate Platinum, Maybank 2 Gold Cards, BSN Visa Classic — returns more net value than any fee-based rewards card.
How many credit cards should I have in Malaysia?
Two is the practical setup for most Malaysians: one for offline spend and one for online. CIMB Cash Rebate Platinum covers petrol, groceries and standing-instruction bills; AFFIN DUO Visa Cash Back covers e-commerce, e-wallet reloads and auto-billing. Note the difference in cost — CIMB's waiver is lifetime, AFFIN's RM 75 fee is waived for three years and then needs 12 swipes a year. Because both cards cap their bonus rebate at RM 30–50 a month, a third card adds far less than people expect while adding another due date to miss.
Can I get a credit card in Malaysia with RM 2,000 salary?
Yes, but you land exactly on the line rather than comfortably above it. RM 2,000/month is RM 24,000 a year, which is the stated minimum for the BSN Visa Classic, the CIMB Cash Rebate Platinum, the CIMB PETRONAS Visa Platinum-i and the AFFIN DUO Visa Cash Back. Meeting the floor is not the same as approval — banks still assess your commitments and CCRIS record. One catch worth knowing before you apply: CIMB's 5% tier needs a statement balance of RM 3,000 or more, so at RM 2,000/month of spending you earn the 2% tier.
What happens if I don't pay my credit card in full each month?
Malaysian finance charges sit around 15–18% p.a. (roughly 1.25–1.5% a month) — CIMB, for example, states 15% p.a. for cardholders who keep up their minimum payments, and your own card's Product Disclosure Sheet gives the exact figure. On a RM 2,000 balance that is about RM 25–30 a month. Compare that to the RM 30/month rebate cap on the same card and the arithmetic settles itself: one month of carried balance cancels a full month of maximum cashback. Minimum payment (5% or RM 50, whichever is higher) keeps the account in good standing, but interest keeps running on the rest.
Which credit card is best for Grab in Malaysia?
No Malaysian card we verified in August 2026 advertises a Grab-specific rate, so treat any list that quotes one with suspicion. The closest fits are the Maybank 2 Gold Cards, whose 5% applies to weekend retail spend capped at RM 50/month, and the AFFIN DUO Visa Cash Back, whose 3% covers e-wallet reloads — so topping up GrabPay qualifies, subject to a RM 30/month e-wallet sub-cap. On the CIMB Cash Rebate Platinum, Grab is not a bonus category and earns the flat 0.2%.
The Verdict
Best Credit Card Malaysia 2026 — Quick Verdict
- Best overall: CIMB Cash Rebate Platinum — fee waived for life, 2% or 5% by statement tier, capped RM 30/month
- Best petrol: CIMB PETRONAS Visa Platinum-i — up to 8%, fee waived, RM 24,000 income
- Highest petrol rate: CIMB PETRONAS Visa Infinite-i — up to 12%, but RM 120,000 income (RM 60,000 via CIMB@Work)
- Best online and e-wallet: AFFIN DUO Visa Cash Back — 3%, capped RM 30–50/month, RM 75 fee after year three
- Best weekend spender: Maybank 2 Gold Cards — 5% on weekends capped RM 50/month, lifetime waiver
- Best entry card: BSN Visa Classic — no fee, no conditions, RM 24,000 income
- Best travel: UOB PRVI Miles Elite — strong regional multipliers and eight lounge visits, but RM 100,000 income and a RM 600 fee
- Best two-card stack: CIMB Cash Rebate Platinum + AFFIN DUO Visa Cash Back — around RM 66–80 a month once both caps fill
The thing to take away: in Malaysian cashback, the cap decides the outcome, not the headline rate. Every card on this list tops out between RM 30 and RM 50 a month per structure. A card advertising 5% and a card advertising 8% will often pay you the same RM 30, and the deciding factors end up being the annual fee, whether the waiver has conditions, and whether your regular spending falls inside the eligible categories at all.
Compare current offers and check your eligibility before applying — comparison searches do not affect your CCRIS record, but declined applications are recorded.
Related Guides
- Best Cashback Credit Cards Malaysia 2026 — full comparison of CIMB Cash Rebate, AFFIN DUO, and Maybank 2 Gold
- Best Travel Credit Cards Malaysia 2026 — UOB PRVI Miles, Maybank 2 Cards Premier, and miles redemption guide
- Best Petrol Credit Cards Malaysia 2026 — tested across RON95, RON97 at Petronas, Shell, and BHP
- Best Credit Cards for Online Shopping Malaysia 2026 — Shopee, Lazada, TikTok Shop comparisons
- Best GrabFood & Dining Credit Cards Malaysia 2026 — food delivery, café, and restaurant rewards
- Best Personal Loan Malaysia 2026 — if you're looking for funds, not a spending card
- Best Home Loan Malaysia 2026 — compare home financing rates before buying property
Last updated 24 August 2026. Card rates, caps, annual fees and income requirements on this page were re-verified against the issuing banks' own websites — cimb.com.my, maybank2u.com.my, affinalways.com, bsn.com.my, uob.com.my — and against the CIMB Cash Rebate Platinum Terms and Conditions (version 18 September 2024). Figures we could not confirm from an issuer are labelled as unconfirmed rather than quoted as current. Banks revise caps and eligibility without notice; confirm on the bank's own page before you apply.