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5 Best Travel Credit Cards in Malaysia 2023

Fatin Haris

Fatin Haris

Last updated 26 October, 2023

 

Travel enthusiasts know that the right credit card can make a world of difference when it comes to saving on flights, hotels, and other travel expenses. In 2023, the choices for travel credit cards are more diverse than ever. To help you select the ideal card for your travel needs, we've reviewed and compared five of the best options available:

Card

Key Highlights

Min. monthly income

Annual Fee

Alliance Bank Visa Infinite Platinum

  • Earn up to 8X Timeless Bonus Points on selected spending
  • 0% Flexi Payment Plan for Flight Tickets, Hotel & Overseas spend
  • 2X Complimentary access to participating Plaza Premium Lounges worldwide per year

RM5,000

RM438 (Waived on the first year, subsequent years waived when you spend a minimum spend of RM12,000)

HSBC TravelOne

  • Get up to 8X Rewards points on selected spending
  • Instant points redemptions of airlines and hotel partners, available via the HSBC Mobile Banking app
  • 6X Complimentary access to participating Plaza Premium Lounges worldwide per year

RM5,000

RM300

UOB PRVI Miles

  • Earn up to 5XUNIRM for selected spending
  • Up to 5% cashback on your foreign spend
  • Up to 50% off Grab Ride (Capped at 4X per month)

RM5,000

RM198

Standard Chartered Journey

  • Collect Miles with your local or overseas spending
  • Unlimited access to KLIA, KLIA2 airport lounges
  • Complimentary airport transfers via Grab

RM7,500

RM 600 (Waived on the first year, subsequent years waived when you spend at least RM60,000 on retail purchases)

CIMB Travel World

  • Get up to 8X Bonus Points with selected spending
  • Up to 12X Complimentary access to participating Plaza Premium Lounges worldwide per year
  • Up to RM1 Million in Travel Insurance Coverage

RM8,334

RM554.72

 

 

Scroll through to compare and understand each card reward point details: 


Alliance Bank Visa Infinite Platinum Credit Card

Alliance offers TIMELESS BONUS POINTS, which means that all your reward points will never expire. Check out the details below:

Timeless Bonus Points (for every RM1 spent)

Categories

8X

e-Commerce

8X

eWallet Top-up

5X 

Overseas, Groceries and Dining

1X 

Entertainment, Auto-Billing, Contactless & Other Retail Spend


More Benefits:

  • 0% Flexi Payment Plan for Flight Tickets, Hotel & Overseas spend.
  • 2X Complimentary access to participating Plaza Premium Lounges worldwide.
  • 24/7 personalized assistance in dining, travel and entertainment from home or abroad!

Eligibility:

  • Minimum monthly income: RM5,000.
  • Annual Fee: RM438 (Waived on the first year, subsequent years waived when you spend a minimum spend of RM12,000).

HSBC TravelOne Credit Card

HSBC TravelOne Credit Card offers instant redemption options for a wide range of airlines and hotels via the HSBC Malaysia Mobile Banking app. Check out how to collect your points below:

Reward points
(1X Reward points will be awarded for every RM1 spent)

Categories

8X

Overseas spend

5X

Local travel (hotels, airlines and travel agencies) and dining spend

1X

All other spend


More Benefits:

  • Complimentary travel insurance coverage of up to USD250,000 in travel insurance coverage (including travel medical, travel inconvenience – flight and baggage delay, baggage loss, COVID coverage, etc).
  • 6X Complimentary access to participating Plaza Premium Lounges worldwide per year.
  • Complimentary E-Commerce Purchase Protection when you shop online with up to USD1,000 coverage.

Eligibility:

  • Minimum monthly income: RM5,000.
  • Annual Fee: RM300.

UOB PRVI Miles

The UOB PRVI Miles Credit Card is a premium travel credit card that rewards you with UNIRinggits (UNIRM) for your spending. Check out the details below:

UNIRM Rewards Points
(per RM1)

Categories

5X UNIRM points 

Overseas

Up to 5X UNIRM points
* Combined spend amount capped at RM5,000

Hotels, airlines, travel agencies

1X UNIRM point 

Other spend


More Benefits:

  • Get a 2,000 UNIRM bonus when you make a retail spend at least 3X per month (minimum spend applies and with limited redemptions).
  • 50% OFF on Grab Rides (up to RM10 off and with limited vouchers).

Eligibility:

  • Minimum monthly income: RM5,000.
  • Annual Fee: RM198.

Standard Chartered Journey Credit Card

Standard Chartered Journey Credit Card is a great way to earn Miles and save money on your travel expenses.

Miles

Categories

1 Mile (for every RM1)

Dining, Travel(Airlines, Hotels and Online Travel Agencies) and Overseas Spend 

1 Mile (for every RM5)

Local Spend


More Benefits:

  • Unlimited access to KLIA, KLIA2 airport lounges.
  • Complimentary airport transfers via Grab.
  • Travel insurance coverage of up to USD100,000.
  • Complimentary E-Commerce Purchase Protection when you shop online with up to USD200 coverage.

Eligibility:

  • Minimum monthly income: RM7,500.
  • Annual Fee: RM600 (Waived on the first year, subsequent years waived when you spend at least RM60,000 on retail purchases)

CIMB Travel World Credit Card

With the CIMB Travel World Credit Card, you can pay with Bonus Points at any of their participating merchants nationwide!

Bonus Points

Categories

8BP ( for every RM1)

Overseas including Hotel

Airlines/Duty Free

2 BP (for every RM1)

Other Local Spend


More Benefits:

  • Up to 12X Complimentary access to participating Plaza Premium Lounges worldwide per year
  • Up to RM1 Million in Travel Insurance Coverage
  • Complimentary in-flight WIFI
  • Complimentary E-Commerce Purchase Protection when you shop online with up to USD200 coverage.

Eligibility:

  • Minimum monthly income: RM8,334.
  • Annual Fee: RM554.72 (Waived on the first year, subsequent years waived when you spend at least RM60,000 on retail purchases)

FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

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