Step into a realm of financial empowerment tailored for those with a minimum monthly salary of RM2,000 in Malaysia. If you are keen on unlocking the perks and benefits of credit cards, this guide is crafted just for you. These credit cards are the ideal companions for individuals looking to manage their finances wisely without compromising lifestyle choices.
Obtaining the right credit card is a breeze. Evaluate your spending habits, lifestyle needs, and preferences. Our guide not only narrows down the top 10 credit cards for your minimum salary bracket but also provides insights on how to compare them effectively. Let’s dive into the details, compare your options, and discover the credit card that aligns seamlessly with your financial goals and lifestyle. Here are the top 15 credit cards for a salary minimum of RM2,000 in Malaysia.
How Many Types of Credit Cards Are Available in Malaysia?
According to RinggitPlus, there are four major card networks in Malaysia – Visa, Mastercard, American Express, and UnionPay – which collaborate with local banks to issue credit cards to consumers. These cards are further categorised by the banks to cater to diverse consumer needs and spending habits. They offer features like cashback, reward points, or air miles.
| Feature | Description |
|---|---|
| Cashback | Receive a percentage of the money spent directly back into your account. |
| Rewards | Accumulate loyalty points for every Ringgit spent, redeemable for various products and services. |
| Air Miles | Earn loyalty points for every Ringgit spent, redeemable within frequent flyer programs. |
What to Consider When Choosing a Credit Card With an RM2,000 Salary?
When selecting a credit card with an RM2,000 salary, several factors should be considered to ensure that the chosen card aligns with your financial needs and lifestyle. Here are key considerations:
- Zero annual fee credit cards
Opting for a card with no annual fees, such as Maybank Islamic MasterCard Ikhwan Gold Card-i and CIMB Cash Rebate Platinum MasterCard, allows you to build your credit score without the concern of additional expenses. This choice is especially advantageous for users with an RM2,000 salary a month. - Credit cards with cashback
Cashback credit cards like RHB Cash Back Visa Credit Card, widely favoured among users, offer rewards and contribute to significant savings. Consider choosing a cashback credit card, especially if you frequently spend on groceries, fuel, or online purchases. - Petrol credit cards
Ideal for frequent travellers or those constantly on the go, a petrol credit card, such as Public Bank Petron Visa Gold, is designed to optimise your spending on fuel. A petrol credit card allows you to collect rewards points, cashback, or air miles with every petrol purchase. - Islamic credit cards
This credit card operates similarly to conventional ones, but its primary distinction lies in the spending criteria, which must adhere to Shariah principles. Hence, an Islamic credit card is ideal for ethical spenders, and individuals of all faiths are welcome to apply for it.
Discover ways to enhance your financial management here:
15 Best Credit Cards for Salary Min RM2,000 in Malaysia 2025
1. Maybank Islamic MasterCard Ikhwan Gold Card-i
Get an impressive 5% cashback every Friday and Saturday, along with Maybank Treatpoints each time you use your Maybank Islamic MasterCard Ikhwan Gold Card-i. Principal card members can enjoy a maximum cap of RM50 per month.
Whether you are spending locally or abroad, you will earn 1 TreatsPoint for every RM1 spent. These points can be used to redeem fantastic gifts from Maybank’s catalogue or exchange them for air miles – 14,000 TreatsPoints equal 1,000 Enrich Miles/KrisFlyer Miles/Asia Miles.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 5% |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
2. CIMB Cash Rebate Platinum MasterCard
Unlock fantastic benefits with the CIMB Cash Rebate Platinum MasterCard! Enjoy up to 5% cash rebates on monthly cinema, groceries, petrol, mobile, and utility bill payments. You can get a 0.2% unlimited cash rebate on all your retail and online spending.
Fuel up with up to 5% cash rebates at any petrol station nationwide, capped at RM30 monthly. You can also experience added flexibility with interest-free instalments for up to 36 months using CIMB 0% Easy Pay.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 5% |
| Balance Transfer | From 5.99% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
3. Hong Leong Wise Gold
With Hong Leong Wise Gold, you can indulge in an impressive 8% weekend cashback on petrol, groceries, essentials, online, and dining when your monthly spending exceeds RM500, capped at RM15 per category. On weekdays, get 1% cashback for the same spending categories, also capped at RM15 per category.
Plan your refuelling strategically to benefit from the 8% cashback on weekends, while weekday fills still reward you with 1% cashback, both capped at RM18 per month. Seize the opportunity for a low 6.99% p.a. interest rate and flexible payment terms for up to 12 months.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | RM98 |
| Cashback | Up to 8% |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
4. RHB Cash Back Visa Credit Card
Get significant savings with the RHB Cash Back Visa Credit Card! Spend RM2,500 or more to enjoy a fantastic 10% cashback on online dining and grocery categories and a solid 5% cashback on petrol, dining, utilities, and groceries. The cashback is capped at RM10 per category per month.
With this card, you can save up to RM600 annually on essential expenses like online dining and groceries (e.g., GrabFood, Food Panda), petrol (e.g., Shell, Petronas), dining (e.g., KFC, Secret Recipe), and utilities (e.g., Astro, Maxis, TNB).
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 10% |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
5. Bank Rakyat Kad Muslimah
By applying for the Bank Rakyat Kad Muslimah, you can fully experience added security with free Takaful coverage of up to RM300,000 on outstanding balances in the event of an unfortunate incident, along with ‘Khairat Kematian’ of RM1,000.
Aside from that, you can also make your Bank Rakyat Kad Muslimah purchases at participating merchants like Bokitta, Radiusite, Siti Khadijah, Zalora, KFIT City Skin Medispa, and more to enjoy discounts of up to 30%! Seize the opportunity for 0% flexible instalment plans with longer repayment tenures when you convert a minimum of RM1,000.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Balance Transfer | From 3% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 13.5% p.a. |
| Interest-free Period | 20 days |
6. Public Bank Petron Visa Gold
Maximise your savings with up to a 5% cash rebate, capped at RM50 monthly, on fuel and non-fuel transactions at Petron stations across Malaysia with Public Bank Petron Visa Gold. Take advantage of an unlimited 0.1% Cash MegaBonus on all local and overseas retail purchases!
Navigate through weekly oil price fluctuations for RON95 and RON97 with these valuable cash rebates, ensuring consistent savings on fuel expenses. As an added perk, receive complimentary personal accident insurance from Public Bank, providing coverage of up to RM20,000.
| Criteria | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 5% |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
7. Bank Islam Gold MasterCard Card-i
Earn 1 point for every RM1 spent on local and overseas retail expenses with Bank Islam Gold MasterCard Card-i, a Shariah-compliant credit card that exclusively accepts transactions from Halal merchants.
You can benefit from an annual fee waiver with just 12 swipes per year and indulge in a 0% Easy Payment Plan! Leverage the Bank Islam EPP for payment flexibility, offering terms of up to 36 months with zero interest when purchasing from selected retail merchants.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 13.5% p.a. |
| Interest-free Period | 20 days |
8. BSN Classic Visa
BSN Classic Visa lets you enjoy toll rebates and discounts, enhancing your savings. Earn 1 Happy Reward Point for every RM1 spent on this card, and double the points when you use it overseas. These evergreen points can be redeemed for an array of gifts, from kitchenware and travel gear to vouchers and delightful items for the kids.
Plus, you are able to benefit from low finance charges, set at 11% p.a. for government servants and 13.5% p.a. for private sector employees, provided you settle your minimum credit card bill payment on time each month.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 13.5% p.a. |
| Interest-free Period | 20 days |
9. Affinbank Visa Gold
With the Affinbank Visa Gold, you gain the flexibility to convert your accumulated AFFIN Rewards Points into Enrich Points, AirAsia BIG Points, and/or Malindo Miles, allowing you to redeem free flights for your next travel adventures.
Make the most of your retail purchases by earning 1x AFFIN Rewards Point for every RM1 spent, enabling you to collect points quickly and redeem them for various gifts, vouchers, and merchandise. It also offers one-time charges as low as 2% and providing payment terms that extend up to 36 months.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
10. CIMB PETRONAS Visa Platinum-i Credit Card
Get the most with CIMB PETRONAS Visa Platinum-i Credit Card, as it offers exceptional cashback rewards with the credit card as you indulge in various transactions. Enjoy an impressive 8% cashback on any PETRONAS-related transaction, Setel App transaction, and EV charging at PETRONAS stations when your statement balance reaches RM2,000 and above.
If your statement balance falls between RM500 to RM1,999, delight in a 4% cashback instead. You can also get a 2% cashback on grocery, dining, and cashless parking spending with a statement balance of RM2,000 and above, while a 1% cashback awaits you if your statement balance ranges between RM500 and RM1,999.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 8% |
| Balance Transfer | From 5.99% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
11. AmBank Cash Rebate Visa Platinum
Apply for the AmBank Cash Rebate Visa Platinum to earn an impressive 8% cash rebate on Groceries, Pharmacy, and Online transactions with a qualified monthly spend of RM1,500, capped at RM15 per category. Have an unlimited 10% Interest Rebate on finance charges when you meet the minimum retail spend of RM500.
Ensure you and your loved ones are protected with up to RM500,000 in annual travel insurance coverage when you charge the full fare of plane tickets to the AmBank Cash Rebate Visa Platinum. This versatile credit card is also compatible with Apple Pay.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 8% |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
12. Alliance Bank Visa Platinum
Elevate your credit experience with the Alliance Bank Visa Platinum and embark on a journey towards financial freedom! Take control of your accumulated credit debt from other banks’ credit cards through Alliance Bank’s low-interest balance transfer, offering an extended repayment period of up to 24 months.
Accumulate enough Timeless Bonus Points (TBP), and you can indulge in the redemption of attractive gifts and services, making each swipe a rewarding experience.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
13. Maybank Shopee Visa Platinum
Created for avid Shopee enthusiasts, the Maybank Shopee Visa Platinum is designed to enhance your shopping experience. Upon card activation and a minimum spend of RM300 within the first 2 months, enjoy a generous Welcome Gift of 5,000 Shopee Coins.
Dive into exclusive rewards with 5x Shopee Coins on all Shopee spending during Special Days like like Chinese New Year, Hari Raya, Pay Day, and the 9.9 Campaign, 4x Shopee Coins for dining, entertainment, and contactless transactions on those days, and 1x Shopee Coins for other transactions.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
14. Standard Chartered Platinum MasterCard Basic
Receive great rewards with the Standard Chartered Platinum MasterCard Basic as you earn 1x 360° Rewards Point for every RM1 spent, offering the opportunity to redeem exciting prizes annually. Flash your card for exclusive deals and privileges at over 4,000 outlets across Asia and Malaysia.
With Standard Chartered FlexiPay Plus, extend the flexibility of your purchases up to 60 months, benefiting from low rates, provided you maintain a healthy credit balance. Enjoy all these perks with a RM0 annual fee for the primary card, making it free for life.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Easy Payment Plan | From 9.88% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
15. UOB ONE Card
Boost your cashback with the UOB ONE Card, offering up to 10% cashback every month on selected categories like petrol, dining, specified grocers, and Grab spending. To enjoy this benefit, ensure you meet the minimum retail spend per statement month, with caps at RM15 per spend category for the ONE Platinum Card and RM10 per spend category for the ONE Classic Card.
Protect yourself from fluctuating fuel prices by securing 10% cashback on petrol when you spend a minimum of RM500 for the ONE Classic Card or RM1,500 for the ONE Platinum Card per statement month. If your spending falls below these thresholds, you still receive a 0.2% cashback on eligible purchases.
| Features | Details |
|---|---|
| Min. Income | RM2,000/month |
| Annual Fee | Free |
| Cashback | Up to 10% |
| Balance Transfer | From 0% p.a. |
| Easy Payment Plan | From 0% p.a. |
| Interest Rate | 15% p.a. |
| Interest-free Period | 20 days |
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Disclosure: This list was compiled by the team at My Weekend Plan after extensive research and shared opinions to suggest helpful recommendations for the public. The sequence of brands is in no particular order so if you have any other great suggestions too, please email us support@myweekendplan.asia. For more information, kindly refer to our copyright, privacy & disclosure policy.
