Best Low-Interest Credit Cards in Malaysia (2025) – Full Comparison

Best Low-Interest Credit Cards

Best Low-Interest Credit Cards in Malaysia (2025) – Full Comparison

Low-interest credit cards can help you save money on interest charges, making them a great option for those who carry a balance or need to manage repayments effectively. This guide compares the best low-interest credit cards in Malaysia for 2025, covering their interest rates, fees, benefits, and ideal use cases.


Top 5 Low-Interest Credit Cards in Malaysia (2025)

Credit CardInterest Rate (p.a.)Annual FeeKey BenefitsBest For
Maybank 2 Gold Card8.88% (for good paymasters)Free for life5% cashback on weekends, TreatPointsEveryday spending, cashback lovers
HSBC Visa Platinum9.88%RM240 (waived with min spend)8% cashback on groceries, e-walletsGroceries, e-wallet users
CIMB Cash Rebate Platinum10.99%Free for life10% cashback on dining, petrolFoodies, drivers
Public Bank Quantum Visa11.99%Free for life5% cashback on online transactionsOnline shoppers
RHB Smart Credit Card12.00%Free for life6% cashback on petrol, utilitiesFuel & bill payments

Detailed Breakdown of the Best Low-Interest Credit Cards

1. Maybank 2 Gold Card

Interest Rate: 8.88% p.a. (for prompt payers)
Annual Fee: Free for life
Key Features:

  • 5% cashback on weekends (capped at RM50/month)
  • Earn TreatsPoints for every RM1 spent
  • Complimentary travel insurance
    Best For: Cashback lovers & frequent spenders

2. HSBC Visa Platinum

Interest Rate: 9.88% p.a.
Annual Fee: RM240 (waived with RM12,000 annual spending)
Key Features:

  • 8% cashback on groceries & e-wallet top-ups (capped at RM15/month)
  • Exclusive dining & shopping discounts
  • Contactless payment enabled
    Best For: Grocery shoppers & e-wallet users

3. CIMB Cash Rebate Platinum

Interest Rate: 10.99% p.a.
Annual Fee: Free for life
Key Features:

  • 10% cashback on dining & petrol (capped at RM60/month)
  • Unlimited 0.2% cashback on all retail spending
  • No annual fees forever
    Best For: Foodies & frequent drivers

4. Public Bank Quantum Visa

Interest Rate: 11.99% p.a.
Annual Fee: Free for life
Key Features:

  • 5% cashback on online transactions (capped at RM30/month)
  • Complimentary travel insurance
  • Great for digital shoppers & e-commerce platforms
    Best For: Online shoppers & digital buyers

5. RHB Smart Credit Card

Interest Rate: 12.00% p.a.
Annual Fee: Free for life
Key Features:

  • 6% cashback on petrol, utilities & groceries (capped at RM60/month)
  • Additional cashback on mobile bills & transactions
  • No annual fee
    Best For: People who spend a lot on petrol & bills

How to Choose the Best Low-Interest Credit Card?

1️⃣ Compare Interest Rates – If you carry a balance, choose a card with the lowest possible rate.
2️⃣ Check Annual Fees – Opt for a card with waived or free annual fees to save costs.
3️⃣ Look at Cashback & Rewards – If you spend regularly on certain categories, get a card with high cashback.
4️⃣ Review Eligibility Requirements – Ensure you meet the income and credit score requirements before applying.


Conclusion: Which Card is Right for You?

🔹 For Everyday Spending & CashbackMaybank 2 Gold Card
🔹 For Groceries & E-Wallet Top-UpsHSBC Visa Platinum
🔹 For Petrol & DiningCIMB Cash Rebate Platinum
🔹 For Online ShoppingPublic Bank Quantum Visa
🔹 For Utility & Petrol PaymentsRHB Smart Credit Card

If you often carry a balance, Maybank 2 Gold Card is the best due to its 8.88% low-interest rate and lifetime no annual fee.

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