5 Best Credit Cards For Fresh Grads

CompareHero.my Team

CompareHero.my Team

Last updated 06 November, 2023

Congratulations on starting your new job! As a fresh graduate, you may be wondering if you are eligible for a credit card. The good news is that there are a number of credit cards available to fresh graduates, even with a lower salary.

A credit card can be a great way to build your credit history and earn rewards for your spending. However, it is important to choose the right credit card for your needs and to use it responsibly.

5 Best Credit Cards if You Just Started Working with a Salary Below RM3,000 monthly

Credit Card


Key Feature

Other Benefits

Standard Chartered Smart Credit Card

Min Salary: RM3,000

Annual Fee: RM120

Up to 6% cashback on digital lifestyle spend like Netflix, Astro, Spotify and more

Convert any transaction above RM500 into three interest-free instalments, annual fee will be waived with a minimum spend of RM12,000 per year

UOB Lady's Card

Min Salary: RM2,000

Annual Fee: RM68

Earn up to 10X UNIRM Rewards Points when you spend on groceries, shopping and overseas

Convert your foreign currency spend into a 0% Interest Plan

Alliance Bank Visa Platinum Credit Card

Min Salary: RM2,000

Annual Fee: RM120

Earn Timeless Bonus Points every time you swipe your card

0% Balance Transfer for 6 months, annual fee will be waived with a minimum of 12X swipe per year

Maybank Shopee Visa Platinum

Min Salary: RM2,000

Annual Fee: RM0

Earn up to 5X Shopee Coins on Shopee, Dining, Entertainment & Contactless Payments

Convert your spend into a 0% payment plan

CIMB Cash Rebate Platinum Credit Card

Min Salary: RM2,000

Annual Fee: RM0

Get up to 5% cashback on petrol, groceries, and all other transactions

Complimentary travel insurance up to RM1 million coverage

Read More: Simple Tips To Avoid Overspending On Your Credit Card


Tips for choosing the right card for fresh grads

  • Understand Your Spending Habits

    Analyze your spending patterns to determine your primary expenses. Different credit cards offer various rewards and benefits tailored to specific spending categories like dining, shopping, or entertainment.

  • Financial Literacy

    Invest time in understanding credit card terms and conditions, including interest rates, fees, and the consequences of missed payments. Responsible credit card use is crucial for your financial well-being.

Related: 9 Types Of Credit Card Charges You Must Know About

  • Entry-Level Cards

    Some banks offer credit cards specifically designed for entry-level professionals like Standard Chartered Smart Credit Card. Entry-level cards normally have more lenient income requirements and tailored perks.

  • Utilize Credit Card Comparison Websites like CompareHero and win exciting sign-up bonuses

    CompareHero is an online tool that allows you to compare different credit card options in Malaysia based on your preferences and monthly salary. Many credit cards offer attractive sign-up bonuses, such as cashback, rewards points, travel vouchers, and even physical goods like Apple products and home appliances. By comparing credit cards on CompareHero, you can find the best card for your needs and earn a valuable sign-up bonus.

  • Build Credit Responsibly

    Responsible credit use can help you qualify for better financial products like house loans in the future.

Learn more: How Credit Cards Can Affect Your Credit Score



The CompareHero.my team is comprised of many talented individuals, sharing their knowledge, experiences and research to help others make better financial decisions.


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

Subscribe to our newsletter to stay up-to-date with exclusive money-saving tips & great deals