Minimum Salary Requirements for Different Credit Cards in Malaysia (2025)
Choosing the right credit card depends on various factors, including minimum income requirements. Banks in Malaysia set specific salary requirements to determine eligibility for different types of credit cards. Below is a detailed comparison of credit cards available in Malaysia, along with their income requirements, benefits, and fees.
1. Credit Cards with Minimum Salary Requirement Below RM2,500
These credit cards are suitable for students, fresh graduates, or low-income earners looking for an entry-level credit card.
| Bank | Credit Card | Minimum Income Requirement | Annual Fee | Key Benefits |
|---|---|---|---|---|
| BSN | BSN Classic Visa/MasterCard | RM2,000 | Free | 0.5% cashback, travel insurance |
| AEON | AEON Classic Visa/MasterCard | RM1,500 | RM30 | AEON member discounts |
| Public Bank | Public Bank Visa Classic | RM2,000 | RM90 | Easy instalment plans |
| Bank Rakyat | Bank Rakyat Platinum-i | RM2,000 | Free | 1% cashback on retail spending |
📌 Best for: First-time credit card users who need a basic credit card with low income requirements.
2. Credit Cards with Minimum Salary Requirement RM2,500 – RM4,000
These mid-range credit cards offer cashback, rewards, and travel perks with reasonable income requirements.
| Bank | Credit Card | Minimum Income Requirement | Annual Fee | Key Benefits |
|---|---|---|---|---|
| Maybank | Maybank 2 Gold Cards | RM2,500 | Free | 5% cashback on dining & petrol, travel insurance |
| CIMB | CIMB PETRONAS Platinum | RM3,000 | Free | 5% cashback on petrol |
| RHB | RHB Cash Back Credit Card | RM3,500 | RM120 | Up to 10% cashback on groceries & online spending |
| Hong Leong Bank | HLB Essential Credit Card | RM2,500 | Free | Low finance charges, cashback on spending |
📌 Best for: Those with stable income looking for higher cashback and rewards without high annual fees.
3. Credit Cards with Minimum Salary Requirement RM5,000 – RM8,000
These premium credit cards come with higher cashback, airport lounge access, and exclusive travel perks.
| Bank | Credit Card | Minimum Income Requirement | Annual Fee | Key Benefits |
|---|---|---|---|---|
| Maybank | Maybank Visa Signature | RM5,000 | Free | 5% cashback on groceries, petrol, & utilities |
| CIMB | CIMB World Mastercard | RM6,000 | RM250 | Unlimited airport lounge access |
| HSBC | HSBC Advance Visa Platinum | RM5,000 | Free | Up to 8% cashback on e-wallets & groceries |
| Standard Chartered | SC Visa Platinum | RM6,000 | RM150 | Cashback & travel perks |
📌 Best for: Frequent travelers and those who spend more on groceries, petrol, and online shopping.
4. Credit Cards with Minimum Salary Requirement RM8,000 & Above
High-income earners can enjoy premium cards with exclusive benefits, including priority banking, airport lounges, and concierge services.
| Bank | Credit Card | Minimum Income Requirement | Annual Fee | Key Benefits |
|---|---|---|---|---|
| Maybank | Maybank 2 Premier | RM8,000 | RM800 | 10,000 free TreatsPoints, travel insurance |
| CitiBank | Citi Prestige Card | RM10,000 | RM1,200 | Unlimited lounge access, 5X reward points |
| HSBC | HSBC Premier World Mastercard | RM10,000 | Free (for HSBC Premier) | VIP airport lounge, global concierge services |
| Standard Chartered | SC Visa Infinite | RM12,000 | RM600 | 5X reward points, travel insurance |
📌 Best for: High-spending individuals looking for luxury travel perks and premium rewards.
5. How to Choose the Right Credit Card Based on Salary
✅ Earn Below RM2,500 → Choose Basic Credit Cards with no annual fee
✅ Earn RM2,500 – RM4,000 → Look for Cashback or Rewards Cards
✅ Earn RM5,000 – RM8,000 → Consider Premium Credit Cards with Travel Benefits
✅ Earn RM8,000 & Above → Opt for Luxury Cards with VIP Perks
💡 Tip: Always compare the annual fees, interest rates, and benefits before applying for a credit card.
