{"id":18505,"date":"2019-04-02T20:00:00","date_gmt":"2019-04-02T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/basic-credit-cards.html"},"modified":"2026-03-27T12:46:49","modified_gmt":"2026-03-27T04:46:49","slug":"basic-credit-cards","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/basic-credit-cards.html","title":{"rendered":"Sign Up For Malaysia’s Best Basic Credit Cards With No Annual Fees! [INFOGRAPHIC]"},"content":{"rendered":"\n

 <\/p>\n

Are you looking for a basic credit card? Or is this the first time you\u2019re getting a credit card? We\u2019ll help you find the basic credit card that is best suited for your needs, so read on for more info! <\/p>\n

Did you know that only 6% of all credit cards available in Malaysia qualify as basic credit cards? Below are features of a basic credit card:<\/p>\n

    \n
  1. You don\u2019t need to pay any annual fees<\/li>\n
  2. The minimum monthly income requirement does not exceed RM 2,500<\/li>\n
  3. The credit card should be available to anyone (no restrictions e.g.; must have an account with the bank)<\/li>\n<\/ol>\n

    We have categorised basic credit card users into four segments as there are various reasons why people look into getting a basic credit card. Among the reasons are to use it for emergencies, recent graduates looking to get a credit card, people with lower income, and people who are getting their first credit card.<\/p>\n

    Emergency users<\/h2>\n

    They only use their emergency credit card in certain circumstances, and they don\u2019t want to pay annual fees for a card they only plan to use for emergencies.<\/p>\n

    Recent graduates<\/h2>\n

    They are usually looking to get their first credit card, and as they have only entered the workforce they usually earn less income so they cannot afford to get a credit card with a high monthly income requirement.<\/p>\n

    People with lower incomes<\/h2>\n

    These individuals cannot afford credit cards with a high annual fee or the minimum required income stipulated by financial institutions usually exceeds their income. This is why this customer group tends to look into getting basic credit cards.<\/p>\n

    Credit cards for first timers<\/h2>\n

    These are people who are not used to swiping a credit card, so in the beginning, they probably won\u2019t be using it often. Therefore, they won\u2019t be willing to pay an annual fee or exceed the annual fee waiver criteria which would usually require them to make a certain amount of swipes per year.<\/p>\n

    Basic credit cards recommendations<\/h2>\n

    Hong Leong I\u2019m Card: The real basic credit card<\/h3>\n

    The most basic credit card in the market is the Hong Leong I\u2019m Card. With no annual fee, a minimum required monthly income of RM2,000 and 15% interest rate, this is the most basic credit card available in Malaysia. This card has no extra benefits, rewards or travel insurance.<\/p>\n

    Maybank 2 Gold Card: The lowest interest rate and many benefits<\/h3>\n

    The basic credit card with the lowest interest rate is the Maybank 2 Gold Card. If your minimum income is at least RM2,500, then this is probably the best basic credit card available for you to consider in Malaysia.<\/p>\n

    The Maybank 2 Gold Card has an interest rate of only 8.88% and you earn 5 points for each Ringgit spent on retail and overseas transactions, 1 point for each Ringgit spent on petrol and online flight purchases. You can then exchange 4.77 points for 1 Enrich Mile \/ 1 KrisFlyer Mile \/ 1 Asia Mile. So this card is a good deal for a basic credit card as it offers a low-interest rate and quite a number of benefits.<\/p>\n

    BSN Classic Card: The basic credit card for those with low income<\/h3>\n

    The BSN Classic Card is the best card for families or individuals with lower income, as the required monthly income is only RM 2,000. Aside from offering a low monthly income requirement, this credit card has a lot of extra benefits and an interest rate of only 13.5%.<\/p>\n

    BSN Classic Card-i: The best basic Islamic credit card<\/h3>\n

    The BSN Classic Card-i is the best Islamic basic credit card compared to the other Islamic basic credit cards based on its low-interest rate of 13.5% and the extra benefits that come with it.<\/p>\n

    Aside from travel insurance of up to RM 300,000, you can exchange 5.5 points for 1 Enrich Mile. Furthermore, you get 1 point for each Ringgit spent on retail and petrol and 2 points for each Ringgit spent overseas.<\/p>\n

    List of basic credit cards available in Malaysia:<\/strong><\/p>\n

      \n
    1. Hong Leong Bank \u2013 I\u2019m Card<\/li>\n
    2. AffinBank \u2013 Basic Card<\/li>\n
    3. BankRakyat \u2013 Classic Card<\/li>\n
    4. Public Bank \u2013 Petron Gold Card<\/li>\n
    5. AmBank \u2013 AmIslamic Al-Taslif Classic Card-i<\/a><\/li>\n
    6. Citi \u2013 Choice Card<\/a><\/li>\n
    7. CIMB Bank \u2013 Platinum Card<\/li>\n
    8. OCBC Bank \u2013 Titanium Blue\/Pink Card<\/li>\n
    9. Maybank Ikhwan \u2013 Gold Card<\/a><\/li>\n
    10. AmBank Gold Card<\/a><\/li>\n
    11. CIMB Bank \u2013 Islamic Platinum Card<\/li>\n
    12. BSN \u2013 Classic Card<\/a><\/li>\n
    13. Maybank \u2013 2 Gold Card<\/a><\/li>\n
    14. BSN \u2013 Classic Card-i<\/a><\/li>\n<\/ol>\n

      Conclusion<\/h3>\n

      Before you make a decision on which basic credit card to get, look into your spending style as this will help you to decide which credit card can get you more savings.<\/p>\n

      From all of the credit cards available in Malaysia, only a few cards can be considered as basic credit cards. It should be noted that not all banks in Malaysia provide basic credit cards, but there are certain banks which provide many options for basic credit cards.<\/p>\n

      \"Infographic:<\/a><\/p>\n

      For more options, compare all zero annual fee credit cards<\/a> for free on CompareHero.my!<\/p>\n

       <\/p>\n

      About the writer<\/strong>
      Sabrina is one of the content writers at CompareHero.my. She is a resourceful and driven young Dutchie, whose aim is to leave her footprints all over the world.<\/p>\n

      Save<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

        Are you looking for a basic credit card? Or is this the first time you\u2019re getting a credit card? We\u2019ll help you find the basic credit card that is best suited for your needs, so read on for more info!<\/p>\n","protected":false},"author":268230141,"featured_media":60232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[433],"tags":[],"class_list":["post-18505","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"\nSign Up For Malaysia's Best Basic Credit Cards With No Annual Fees! 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You\u2019re in luck! We\u2019ve compiled the best credit cards in Malaysia for 2019. So whether you\u2019re looking for a rewards credit card, petrol, cashback, Islamic or even a basic credit card \u2013 we\u2019ve sorted it all out for you.\u2026","rel":"","context":"In "Credit Cards"","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/09\/bunch-of-cards.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/09\/bunch-of-cards.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/09\/bunch-of-cards.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/09\/bunch-of-cards.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":7712,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/best-petrol-credit-cards-2.html","url_meta":{"origin":18505,"position":1},"title":"The Best Petrol Credit Cards For Malaysians","author":"CompareHero","date":"12 March 2018","format":false,"excerpt":"\u00a0 *Updated: Nov 7, 2019 Want to save more money on your monthly petrol bill? We\u2019ve listed down the best credit cards for petrol cashback in Malaysia, find out more below! Fret not! by using the right credit card you can enjoy savings on fuel. We\u2019ve narrowed down the best\u2026","rel":"","context":"In "Credit Cards"","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/03\/petrol.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/03\/petrol.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/03\/petrol.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/03\/petrol.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18757,"url":"https:\/\/www.comparehero.my\/blog\/debt-credit-score\/ultimate-guide-credit-score.html","url_meta":{"origin":18505,"position":2},"title":"Your Ultimate Guide To Credit Scores","author":"CompareHero","date":"28 March 2023","format":false,"excerpt":"You've just made a personal loan application to a bank. Some time after that, you received word that your application hasn't been approved and you're curious as to why. 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Find out what are the reasons for you to choose an AEON credit card. 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Having one is often seen as a status symbol simply because it implies you\u2019re well-off enough to finance one. 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