Save money and enjoy rewards when you pay for your bills every month. Here are the best credit cards in Malaysia to help you do so. We have compiled the list based on the cashback and reward points received when making bill payment with the cards.
|
Credit Card |
Cashback / Rewards |
Cashback Cap / Condition |
Cashback / Rewards Category |
Benefits and Promotion |
|
Cashback 15% |
Minimum spend of RM2,500 per month, capped at RM60 per month |
Cashback applicable for autobill payment on utilities, groceries and online shopping |
||
|
Cashback 10% |
Capped at RM 100 per month. Requires minimum retail spending of RM2000 per month |
Cashback categories to choose from are utilities, pharmacies, groceries, petrol, dining, departmental, book stores, entertainment, travel |
Choose 2 preferred cashback categories |
|
|
Cashback 2% on weekends, 1% on weekdays |
Cashback up to RM200 per month for utilities |
Utilities, petrol and cinema |
· Cashback up to RM 200 per month |
|
|
Cashback of 5% |
Capped at RM 15 per month. |
Utilities, petrol, groceries and online shopping |
· Shariah compliant |
|
|
2x Timeless Bonus Points for every RM1 spent on utility |
None |
Reward points for utility, retail (local and retail) |
· Redeem airmiles with points
· Exclusive privileges and discounts at participating merchants |
Standard Chartered JustOne Platinum Mastercard
 |
Get up to 15% cashback |  |
Get up to 15% cashback with this SCB credit card when you make payments for you bills through auto payment. Aside from the savings you get when paying for your bills with this card, you also get 0.2% cashback on other categories of spending too. You can receive up to RM1,020 in a year, check out the table below to see how you can get the savings with this card:
|
Retail Spend per month |
Auto bill payments, online purchase and petrol |
Other Categories |
Cashback Cap |
|
RM 1,000 – 1,499.99 |
5% |
0.20% |
RM 12 |
|
RM 1,500 – 2,499.99 |
10% |
0.20% |
RM 28 |
|
RM 2500 and above |
15% |
0.20% |
RM 85 |
Another perk of this card are the exclusive deals like RM 7 movie ticket at Golden Screen Cinemas by booking online and the Sakae Sushi buy one free one promotion. You will also receive RM150 cashback when you activate the card within 45 days of approval.
Requirements:
- Minimum monthly income of RM2,000 (RM24,000 per annum)
- Annual fee: RM 265 for principal cardholders and free for supplementary card holders
Hong Leong WISE Gold Card
 |
Get up to RM200 cashback on telco bill payment | |
Enjoy flexibility of choosing from 2 spending categories to get cashback on with this card. This credit card from Hong Leong Bank is ideal if you want to get savings on your bill payments as that is one of the cashback categories you can choose from.
You can receive up to RM200 cashback on telco bill payment for Maxis, Celcom, Digi, U Mobile and utilities bill payment such as for electricity and water is also eligible for cashback. The 10% cashback will be credited for all eligible transactions of the spend categories choosen. The cashback is capped at RM100 per month. In order to get RM100, a minimum retail spend of RM2,000 in a calendar month is required.
Requirements:
- Minimum monthly income of RM2,000 (RM24,000 per annum)
- Annual fee: RM 265 for principal cardholders and RM84.80 for supplementary card holders
UOB ONE Card
 |
5% Cashback for Petrol & Cinema spend
2% Cashback for Groceries & Telco spend & 0.2% for Other spend
|
|
Save money by charging your recurring bill payments to your UOB ONE Card. The cashback rate is 2% for mobile bill payments made on weekends as 1% cashback on weekdays. UOB ONE cardholders will also save more when making purchases at cash rebates merchant outlets and SMART$ Cash merchant outlets nationwide. It’s not just the cash back, there is also the SMART$ rebates to enjoy more savings.
Requirements:
- Minimum monthly income of RM2,000 (RM24,000 per annum)
- Annual fee: RM72.08 for principal cardholders and for supplementary card holders
RHB Islamic Smart Value Credit Card-i
 |
Get up to 5% cashback | |
This is an ideal card if you are looking for a credit card to give you savings when paying bills that is also Shariah compliant. The RHB Islamic Smart Value Credit Card-i offers 5% cashback on 4 categories, one of which is for utility bill payments. On top of being able to save money when you pay your bills, you get cashback on groceries, petrol and when shopping online.
|
Monthly total spend |
Cashback rate |
Maximum Cap |
|
RM500 – 1,500 |
1% |
RM15 |
|
RM 1,501 – 2,500 |
2% |
RM15 |
|
RM2,501 and above |
5% |
RM15 |
Utility bills that are eligible for cashback are Tenaga Nasional Berhad, Astro, Celcom, Maxis and all other utility billers.
Requirements:
- Minimum monthly income of RM2,000 (RM24,000 per annum)
- Annual fee: RM74.20 for principal cardholders and for supplementary card holders
Alliance Bank Gold Visa
 |
Earn 2X Timeless Bonus Points for Overseas & Utility spend | |
If you’re not after cashback, this is a credit card from Alliance Bank that rewards you when you charge your bills to it. You will be collecting points which you can redeem for items, vouchers and even airmiles. The best part is that the points do not expire! You receive 2x TBP (timeless bonus points) for every RM1 spent on utility.
- 2x TBP for every RM1 spent on utility
- 1x TBP for every RM1 spent on all other domestic retail
Requirements:
- Minimum monthly income of RM2,000 (RM24,000 per annum)
- Annual fee: RM156.88 for principal cardholders and RM31.80 for supplementary card holders. Fee will be waived every year with minimum spend of RM5,000 or 12 swipes within a year.
See also: Save Money With These Low Interest Rate Credit Cards
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