{"id":18555,"date":"2019-11-21T19:00:00","date_gmt":"2019-11-21T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/best-credit-cards-different-income-groups.html"},"modified":"2026-03-26T16:03:06","modified_gmt":"2026-03-26T08:03:06","slug":"best-credit-cards-different-income-groups","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/best-credit-cards-different-income-groups.html","title":{"rendered":"The Best Credit Cards for Different Income Groups \u2013 2019 Edition"},"content":{"rendered":"\n

* Updated Nov 21, 2019<\/strong><\/em><\/p>\n\n

Having a credit card can be a boon, especially when you are strapped for cash and you need to make important payments. However, the wrong credit card can do you more harm than good. Therefore, identifying the best credit card for your income level is vital to prevent yourself from ending up neck deep in debt<\/a>.<\/p>\n

To save you the trouble, we\u2019ve done all the hard work on your behalf and compiled the best credit cards for Malaysians<\/a> across various income groups \u2013 from RM24,000 per annum right up to more than RM100,000 yearly.<\/p>\n

Best Credit Cards for Yearly Income of RM24,000 \u2013 RM48,000<\/h2>\n

Citi Simplicity+ Card \u2013 minimum annual income requirement: RM24,000<\/h3>\n

\"citiclearvisa1-768x497\"<\/p>\n

Being one of the most prestigious financial institutions worldwide, it should not be surprising that the bank offers one of the best credit cards available today. One of the best benefits that this card offers is 10% interest back on purchases and cash advances every month when you pay at least the minimum monthly due amount on-time.<\/p>\n

Befitting its name, the card offers added simplicity for users whereby the rebates will automatically credited in the upcoming month\u2019s statement.<\/p>\n

Another reason to consider applying for this card is Citibank\u2019s renowned exclusive deals programme, Citi World Privileges, which allows users to enjoy special deals and discounts locally and in 95 other countries. <\/p>\n

CLICK HERE TO APPLY<\/a><\/p>\n

Maybank 2 Gold Cards \u2013 minimum annual income requirement: RM30,000<\/h3>\n

\"5-Best-Credit-Cards-for-Fresh-Grads-cp-e1554866922198-768x243\"<\/p>\n

As one of the country\u2019s oldest and most established banks, it\u2019s not surprising that Maybank\u2019s credit cards are featured on this list. Coming in a pair, Maybank\u2019s 2 Gold Cards consist of an American Express and a Mastercard credit card.<\/p>\n

The Amex card gives users 5% Cash Back for all purchases (except for government bodies and utilities) on weekends (capped at RM50 per month), which are plus points to consider \u2013 especially if you are often out and about.<\/p>\n

If you are just starting out in your career, these cards are a great option to apply for because of its zero annual fee<\/a> \u2013 making them great introductory credit cards for mid-income earners.<\/p>\n

CLICK HERE TO APPLY<\/a><\/p>\n

Maybank Petronas Visa \u2013 minimum annual income requirement: RM30,000<\/h3>\n

\"MBB-Visa_PetronasGold-768x484\"<\/p>\n

As far as rewards points go, this card is one of the best cards to have. The card offers up to 8x rewards points on weekends and 5x on weekdays per RM1 spent at Petronas petrol stations nationwide. Moreover, you can also use the accumulated TreatsPoints (rewards points) to redeem for Petronas petrol vouchers, enabling to save more on fuel<\/a>!<\/p>\n

This card is most ideal for individuals who are often on the road, as they can take full advantage of it to redeem TreatsPoints while refueling at Petronas petrol stations.<\/p>\n

Meanwhile, the card offers 8x TreatsPoints for groceries purchases every weekend and a lifetime annual fee waiver.<\/p>\n

CLICK HERE TO APPLY<\/a><\/p>\n

Best Credit Cards for Yearly Income of RM48,000 \u2013 RM96,000<\/h2>\n

Standard Chartered WorldMiles World MasterCard \u2013 minimum annual income requirement: RM90,000<\/h3>\n

\"SCB-MC_WorldMiles-768x501\"<\/p>\n

If you are a globetrotter, then this card is the one for you. This card grants its holders a myriad of travel privileges, including unlimited access to the Plaza Premium Lounges when you travel internationally, enabling you to indulge in the best luxuries that KLIA and KLIA2 have to offer.<\/p>\n

This card also enables you to collect 4.5 WorldMiles points for every RM3 spent overseas, which in turn can be converted into AirMiles<\/a> for your preferred frequent flyer programme.<\/p>\n

CLICK HERE TO APPLY<\/a><\/p>\n

AmBank BonusLink Visa Signature \u2013 minimum annual income requirement: RM80,000<\/h3>\n

Are you always on the hunt for the best entertainment events and the trendiest dining spots? This card was created for you to live life to the fullest. First off, you\u2019ll be able to collect 30 BonusLink points for every RM20 spent on Shell petrol, Parkson purchases, dining<\/a>, grocery shopping, online transactions and entertainment expenditure<\/a>!<\/p>\n

By applying for this card, you\u2019ll also have complimentary access to Plaza Premium Lounge with a minimum spend of RM500 within 30 days before and\/or 30 days after each lounge access. You\u2019ll also be entitled for up to RM2,000,000 worth of travel insurance<\/a>.<\/p>\n

CLICK HERE TO APPLY<\/a><\/p>\n

Best Credit Cards for Yearly Income of RM100,000 and Above<\/h2>\n

Citi PremierMiles Visa Card \u2013 minimum annual income requirement: RM100,000<\/h3>\n

\"CTB-PremierMiles-Visa-768x497\"<\/p>\n

Unlimited access to Plaza Premium Lounge in Malaysia<\/a> all-year round? Check.<\/i><\/p>\n

PremierMiles points that never expire? Check.<\/i><\/p>\n

Deals and discounts in over 90 countries globally? Check.<\/i><\/p>\n

Travel more miles and in style with less hassle with this card. Earn 2 PremierMiles points for every RM3 spent overseas and on selected travel merchants such as AirAsia.com, MalaysiaAirlines, Agoda.com, AirBnB, Cathay Pacific Airlines, Expedia.com, Singapore Airlines, and Traveloka.com. <\/p>\n

Moreover, as a Citi PremierMiles cardholder, you\u2019ll be rewarded with 10,000 PremierMiles every year on your card anniversary upon paying your annual fee. Best of all, these rewards points have no expiry period \u2013 meaning that you have your whole life to enjoy the benefits they offer.<\/p>\n

In addition, PremierMiles can be used to redeem Frequent Flyer Program (FFP) Miles from participating airlines. For every 1,500 PremierMiles, you can redeem 1,000 FFP Miles. <\/p>\n

CLICK HERE TO APPLY<\/a><\/p>\n

With all that is said and done, you have to keep in mind that regardless of how good a credit card is, you should still use it responsibly<\/a> to avoid yourself from falling into the treacherous pit of debt. If the recommendations above are not what you\u2019re looking for, you can access our comprehensive list of credit cards here<\/a>! <\/p>\n

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

* Updated Nov 21, 2019<\/p>\n","protected":false},"author":268230141,"featured_media":584,"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-18555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"\nThe Best Credit Cards for Different Income Groups \u2013 2019 Edition - CompareHero<\/title>\n<meta name=\"description\" content=\"Find out what credit cards to apply based on your annual minimum salary. 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It\u2019s useful when you\u2019re strapped for cash and need to make urgent payments, and it allows you to enjoy a more enhanced lifestyle - if you pay your\u2026","rel":"","context":"In "Wages & Employment"","block_context":{"text":"Wages & Employment","link":"https:\/\/www.comparehero.my\/blog\/wages-employment"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Credit_cards_you_could_get_based_on_your_salary-01.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Credit_cards_you_could_get_based_on_your_salary-01.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Credit_cards_you_could_get_based_on_your_salary-01.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Credit_cards_you_could_get_based_on_your_salary-01.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Credit_cards_you_could_get_based_on_your_salary-01.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7358,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/best-credit-cards-malaysia-2.html","url_meta":{"origin":18555,"position":1},"title":"Top Credit Cards in Malaysia","author":"CompareHero","date":"1 September 2019","format":false,"excerpt":"Looking for a credit card that best suits your spending style? 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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":7756,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/best-credit-cards-online-shopping-in-malaysia-2.html","url_meta":{"origin":18555,"position":2},"title":"Best Credit Cards For Online Shopping In Malaysia","author":"CompareHero","date":"14 March 2018","format":false,"excerpt":"Updated March 14 2018 Want to know how you can save money when you go online shopping? We\u2019ve gathered the best credit cards for online shoppers in Malaysia. Read on to find a credit card that would suit you best if you are one! Credit cards which offer cash rebates\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\/shopping.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\/shopping.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/03\/shopping.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/03\/shopping.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":7025,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/best-cimb-credit-cards-2.html","url_meta":{"origin":18555,"position":3},"title":"The Best CIMB Credit Cards","author":"CompareHero","date":"24 June 2016","format":false,"excerpt":"Are you looking to get a credit card that gives you the most value when you spend? Check out our guide to the best CIMB credit cards below. Whether you spend most on petrol, groceries or even on online shopping \u2013 we\u2019ve listed down the top 5 best CIMB credit\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\/2016\/06\/cimb-bank-octo-01.webp?fit=1178%2C730&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/06\/cimb-bank-octo-01.webp?fit=1178%2C730&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/06\/cimb-bank-octo-01.webp?fit=1178%2C730&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/06\/cimb-bank-octo-01.webp?fit=1178%2C730&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/06\/cimb-bank-octo-01.webp?fit=1178%2C730&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17912,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/best-credit-cards-pay-bills.html","url_meta":{"origin":18555,"position":4},"title":"Best Credit Cards to Pay Your Utilities Bill in Malaysia","author":"CompareHero","date":"29 December 2019","format":false,"excerpt":"A study on Malaysian payment habits found that almost 90% of those surveyed preferred to use cash to make purchases. However, the benefits of cashless payment, including the use of credit cards to pay bills is still underappreciated and underutilized. Save money and enjoy rewards when you pay your bills\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\/2026\/02\/FI_Paying_your_Bills__Here_are_the_Best_Credit_Cards-01.png?fit=1200%2C630&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Paying_your_Bills__Here_are_the_Best_Credit_Cards-01.png?fit=1200%2C630&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Paying_your_Bills__Here_are_the_Best_Credit_Cards-01.png?fit=1200%2C630&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Paying_your_Bills__Here_are_the_Best_Credit_Cards-01.png?fit=1200%2C630&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Paying_your_Bills__Here_are_the_Best_Credit_Cards-01.png?fit=1200%2C630&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":4038,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/credit-cards-cashback-vs-rewards-2.html","url_meta":{"origin":18555,"position":5},"title":"Credit Cards: Cashback vs. Rewards","author":"CompareHero","date":"22 December 2015","format":false,"excerpt":"What makes a credit card more rewarding? Is it getting your money back in the form of cashback or earning rewards points that you can use to redeem cash vouchers and other merchandise? Read on to find out more about how they measure up against each other. What Is A\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\/2015\/12\/bunch-of-gifts.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/12\/bunch-of-gifts.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/12\/bunch-of-gifts.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/12\/bunch-of-gifts.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/The-Best-Credit-Cards-for-Different-income-groups-2019-masthead1.jpg?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18555","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=18555"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18555\/revisions"}],"predecessor-version":[{"id":57853,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18555\/revisions\/57853"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/584"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=18555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=18555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=18555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}