For Malaysians looking to maximize their spending benefits in 2025, choosing the right credit card can make a significant difference. With banks offering increasingly competitive cashback rates, welcome bonuses, and reward programs, it’s essential to select a card that fits your lifestyle and spending habits.
In this guide, we’ll highlight the Top 5 Credit Cards in Malaysia for 2025, focusing on cashback and rewards categories. Whether you’re a frequent shopper, traveler, or someone who simply wants to save on everyday expenses, there’s a card here for you.
1. Maybank 2 Cards Platinum
Why It Stands Out:
The Maybank 2 Cards Platinum offers two cards under one application: an American Express card and a Mastercard/Visa.
Key Benefits:
- 5% Weekend Cashback on dining, groceries, and petrol (with the Amex card)
- Reward Points on weekday spending
- No annual fee for life
Official Site:
2. CIMB Cash Rebate Platinum Mastercard
Why It Stands Out:
A top choice for cashback lovers who frequently spend on essentials like groceries and dining.
Key Benefits:
- Up to 5% cashback on dining and petrol
- 0.2% cashback on other retail spending
- No annual fee for life
Official Site:
3. HSBC Amanah MPower Platinum Credit Card-i
Why It Stands Out:
A Shariah-compliant option with excellent cashback features for daily spending.
Key Benefits:
- Up to 8% cashback on groceries, petrol, and dining for minimum monthly spenders
- 0.2% cashback on other spending
- Monthly cashback cap applies
Official Site:
4. Public Bank Visa Signature Credit Card
Why It Stands Out:
Great for high spenders and frequent travelers looking for both cashback and travel benefits.
Key Benefits:
- Up to 6% cashback on dining and online transactions
- Complimentary airport lounge access
- Travel insurance coverage for cardholders
Official Site:
5. Standard Chartered JustOne Platinum Mastercard
Why It Stands Out:
Ideal for users who want cashback across multiple categories like online shopping, petrol, and auto-billing.
Key Benefits:
- Up to 15% cashback when spending criteria is met
- Applicable for online transactions, auto-bill payments, and petrol
- Tiered cashback structure depending on monthly spend
Official Site:
✅ Conclusion
Choosing the right credit card in Malaysia for 2025 depends on your personal spending habits and financial goals. If your focus is cashback and rewards, these 5 cards stand out in terms of benefit-to-cost ratio, fee structure, and bonus categories.
Before applying, always check the latest terms and conditions on the official bank websites, as offers and benefits may change. Also, consider your eligibility and credit score to improve your chances of approval.
With the right card in hand, you can turn everyday spending into meaningful savings and perks.
