💳 34 Kad Kredit Terbaik Malaysia (2026)
Bandingkan kelayakan gaji minimum, rebat pulangan tunai, had manfaat, dan ganjaran eksklusif setiap kad kredit bank rasmi di Malaysia. Pilih kad mengikut corak perbelanjaan anda.
Terokai Mengikut Kategori Khas
Pilih kategori yang tepat untuk melihat perbandingan terperinci dan had ganjaran bulanan.
Kad Kredit Petrol Terbaik
Jimat minyak di Petronas, Shell, Caltex dan BHPetrol dengan pulangan tunai sehingga 12%.
Kad Kredit Shopping & e-Wallet
Pulangan tunai tinggi untuk Shopee, Lazada, TikTok Shop dan tambah nilai e-Wallet.
Kad Kredit Cashback All-Rounder
Satu kad untuk semua — makan, petrol, barangan dapur dan belanja harian.
Kad Kredit Patuh Syariah
Bebas riba sepenuhnya (Tawarruq) dengan pulangan tunai dan sumbangan amal.
Kad Kredit Travel & Air Miles
Kumpul mata penerbangan, akses lounge dan penjimatan perbelanjaan luar negara.
Kad Kredit Gaji Permulaan (RM2,000/bulan)
Pilihan mesra graduan dan pekerja baharu dengan syarat gaji paling rendah.
Senarai Penuh 34 Kad Kredit Terbaik (2026)
Pilih kad untuk panduan ulasan lengkap atau klik 'Mohon Terus' ke laman rasmi perbankan.
Maybank Islamic Mastercard Ikhwan Platinum
🔥 5% Pulangan Tunai Minyak Petrol & Barangan Dapur
Maybank Shopee Visa Platinum
🔥 5x Shopee Coins (28hb & Hari Kempen)
AFFIN DUO Visa Cash Back
🔥 3% Pulangan Tunai Semua Belanja Online & e-Wallet
UOB ONE Card (Platinum)
🔥 10% Pulangan Tunai Petrol, Dapur, Makan & Grab
Alliance Bank Visa Signature
🔥 8x Timeless Bonus Points Belanja Online & e-Wallet
Maybank 2 Gold Cards (Amex + Mastercard/Visa)
🔥 5% Pulangan Tunai Hujung Minggu + 5x TreatsPoints
CIMB PETRONAS Visa Platinum-i
🔥 Sehingga 8% Pulangan Tunai di Petronas & Setel
Public Bank Quantum Mastercard & Visa
🔥 5% Pulangan Tunai Belanja Online (Kad Mastercard)
RHB Shell Visa Credit Card
🔥 Sehingga 12% Pulangan Tunai di Shell
Maybank Islamic Petronas Ikhwan Visa Platinum
🔥 8% Rebat Petronas Hujung Minggu
Bank Islam Visa Infinite Card-i
🔥 Rebat Tunai Unlimited & Akses Lounge
HSBC TravelOne Credit Card
🔥 8x Mata Ganjaran untuk Belanja Luar Negara
Maybank Grab Mastercard Platinum
🔥 5x GrabRewards Points untuk Belanja Grab
AFFIN BHPetrol Mastercard
🔥 Sehingga 10% Rebat Petrol BHPetrol
Public Bank Quantum Visa
🔥 1% Cashback Tanpa Sentuh, 5% Online (Mastercard)
CIMB e Credit Card
🔥 Sehingga 10% Cashback Belanja Online
Alliance Bank Visa Platinum
🔥 8x Three-Year Bonus Points Online
RHB Cash Back Visa Credit Card
🔥 Sehingga 10% Cashback Kategori Terpilih
AmBank Cash Rebate Visa Platinum
🔥 Sehingga 8% Cashback Belanja Runcit
Hong Leong Wise Credit Card
🔥 Sehingga 8% Cashback 2 Kategori Pilihan
UOB Simple Card
🔥 Sehingga 10% Cashback + Percuma Seumur Hidup
Bank Rakyat Muslimah Credit Card-i
🔥 Rebat Belanja Runcit & Sumbangan Amal
Bank Rakyat Platinum Credit Card-i
🔥 Rebat Runcit & Mata Ganjaran
BSN 1 TeachersCard Mastercard-i
🔥 Rebat Khas Untuk Pendidik & Rakyat
AmBank Islamic Visa Platinum CARz Card-i
🔥 Rebat Petrol, Servis Kereta & Tol
HSBC Amanah MPower Platinum Credit Card-i
🔥 8% Cashback Petrol, Dapur & e-Wallet
Standard Chartered Journey Credit Card
🔥 Poin Travel & Akses Lounge Premium
CIMB Travel World Credit Card
🔥 Kadar Air Miles Tinggi & Lounge Global
Maybank 2 Cards Premier
🔥 5% Hujung Minggu + 5x TreatsPoints
UOB PRVI Miles Card
🔥 Mata Air Miles Tinggi untuk Belanja Luar Negara
CIMB Cash Rebate Platinum Credit Card
🔥 Rebat Online & e-Wallet Bulanan
AEON Member Plus (AMP) Mastercard Gold
🔥 Rebat di AEON & Merchant Terpilih
Public Bank Gold Visa
🔥 Kad Asas Tanpa Yuran untuk Pemula
Jadual Perbandingan Keseluruhan
Bandingkan semua 34 kad kredit merentasi pelbagai bank dalam satu jadual ringkas.
| Kad | Ganjaran Utama | Gaji Min | Had Manfaat |
|---|---|---|---|
| Maybank Islamic Mastercard Ikhwan Platinum Maybank Islamic |
5% Pulangan Tunai Minyak Petrol & Barangan Dapur | RM2,000 | RM50 sebulan |
| Maybank Shopee Visa Platinum Maybank |
5x Shopee Coins (28hb & Hari Kempen) | RM2,000 | 5,000 Shopee Coins sebulan |
| AFFIN DUO Visa Cash Back Affin Bank |
3% Pulangan Tunai Semua Belanja Online & e-Wallet | RM2,000 | RM30 sebulan (RM50 jika baki penyata bulan lepas ≥ RM3,000) |
| UOB ONE Card (Platinum) UOB |
10% Pulangan Tunai Petrol, Dapur, Makan & Grab | RM3,000 | RM15 setiap kategori sebulan |
| UOB EVOL Card UOB |
10% Pulangan Tunai Belanja Online & 5% e-Wallet | RM3,000 | RM60 sebulan (mengikut struktur kempen) |
| Alliance Bank Visa Signature Alliance Bank |
8x Timeless Bonus Points Belanja Online & e-Wallet | RM4,000 | Terhad kepada RM3,000 perbelanjaan e-Wallet per kitaran penyata |
| Maybank 2 Gold Cards (Amex + Mastercard/Visa) Maybank |
5% Pulangan Tunai Hujung Minggu + 5x TreatsPoints | RM2,500 | RM50 sebulan |
| CIMB PETRONAS Visa Platinum-i CIMB |
Sehingga 8% Pulangan Tunai di Petronas & Setel | RM2,000 | RM50 sebulan |
| Public Bank Quantum Mastercard & Visa Public Bank |
5% Pulangan Tunai Belanja Online (Kad Mastercard) | RM3,000 | RM30 sebulan |
| RHB Shell Visa Credit Card RHB |
Sehingga 12% Pulangan Tunai di Shell | RM2,000 | RM50 sebulan (Petrol) |
| Maybank Islamic Petronas Ikhwan Visa Platinum Maybank Islamic |
8% Rebat Petronas Hujung Minggu | RM2,500 | RM50 sebulan |
| Bank Islam Visa Infinite Card-i Bank Islam |
Rebat Tunai Unlimited & Akses Lounge | RM10,000 | Tiada Had |
| HSBC TravelOne Credit Card HSBC |
8x Mata Ganjaran untuk Belanja Luar Negara | RM5,000 | Tiada Had Mata |
| Maybank Grab Mastercard Platinum Maybank |
5x GrabRewards Points untuk Belanja Grab | RM2,000 | Tiada Had Mata |
| AFFIN BHPetrol Mastercard Affin Bank |
Sehingga 10% Rebat Petrol BHPetrol | RM2,000 | RM50 sebulan |
| Public Bank Quantum Visa Public Bank |
1% Cashback Tanpa Sentuh, 5% Online (Mastercard) | RM3,000 | RM20 sebulan (tanpa sentuh) |
| CIMB e Credit Card CIMB |
Sehingga 10% Cashback Belanja Online | RM2,000 | RM30 sebulan |
| Alliance Bank Visa Platinum Alliance Bank |
8x Three-Year Bonus Points Online | RM3,000 | Tiada Had Mata |
| RHB Cash Back Visa Credit Card RHB |
Sehingga 10% Cashback Kategori Terpilih | RM2,000 | RM50 sebulan |
| AmBank Cash Rebate Visa Platinum AmBank |
Sehingga 8% Cashback Belanja Runcit | RM2,000 | RM50 sebulan |
| Hong Leong Wise Credit Card Hong Leong Bank |
Sehingga 8% Cashback 2 Kategori Pilihan | RM3,000 | RM50 sebulan |
| UOB Simple Card UOB |
Sehingga 10% Cashback + Percuma Seumur Hidup | RM2,000 | RM30 sebulan |
| Bank Rakyat Muslimah Credit Card-i Bank Rakyat |
Rebat Belanja Runcit & Sumbangan Amal | RM2,000 | RM30 sebulan |
| Bank Rakyat Platinum Credit Card-i Bank Rakyat |
Rebat Runcit & Mata Ganjaran | RM3,000 | RM50 sebulan |
| BSN 1 TeachersCard Mastercard-i BSN |
Rebat Khas Untuk Pendidik & Rakyat | RM2,000 | RM30 sebulan |
| AmBank Islamic Visa Platinum CARz Card-i AmBank Islamic |
Rebat Petrol, Servis Kereta & Tol | RM2,000 | RM50 sebulan |
| HSBC Amanah MPower Platinum Credit Card-i HSBC Amanah |
8% Cashback Petrol, Dapur & e-Wallet | RM3,000 | RM50 sebulan |
| Standard Chartered Journey Credit Card Standard Chartered |
Poin Travel & Akses Lounge Premium | RM5,000 | Tiada Had Mata |
| CIMB Travel World Credit Card CIMB |
Kadar Air Miles Tinggi & Lounge Global | RM8,333 | Tiada Had Mata |
| Maybank 2 Cards Premier Maybank |
5% Hujung Minggu + 5x TreatsPoints | RM8,333 | RM50 sebulan (AMEX) |
| UOB PRVI Miles Card UOB |
Mata Air Miles Tinggi untuk Belanja Luar Negara | RM5,000 | Tiada Had Mata |
| CIMB Cash Rebate Platinum Credit Card CIMB |
Rebat Online & e-Wallet Bulanan | RM2,000 | RM30 sebulan |
| AEON Member Plus (AMP) Mastercard Gold AEON Credit |
Rebat di AEON & Merchant Terpilih | RM2,000 | RM30 sebulan |
| Public Bank Gold Visa Public Bank |
Kad Asas Tanpa Yuran untuk Pemula | RM2,000 | Mata Ganjaran Asas |