Foreigners, just like every other ordinary Malaysian, appreciate the use of a good credit card to help ensure safer online transactions, provide extended warranties as well as cash back rewards and other special perks. [T&C apply], Apply Online with iMoney  & be rewarded !! Store cards can only be used at the store they’re affiliated with, though some may be tied to a group of stores. Everything You Need To Know About Your Credit Score, How To Shop On Taobao Directly (If You Can’t Read Chinese), Best Travel Credit Cards For Frequent Flyers. In Malaysia, card holders with income of RM36,000 or less in a year is restricted to a maximum credit limit of twice of his or her monthly income. These cards end up costing far more than the benefit of building your credit history. If you are disciplined in keeping all of the above three steps for six to 12 months, your credit score will likely improve. AEON Balance Transfer Program comes with a maximum of 6 months, interest rate of 0% per annum, minimum transfer amount of RM1,000 and one-time upfront fee of 0%. Unfortunately, for these cards, the Shopping Cart Trick is not applicable and will not work if attempted to do. There are various types of cards, each with differing privileges and functions. Mach gives you the flexibility to change the rewards package according to your lifestyle. Unlimited 1.5% Cash Rebate on Overseas spend, Bonus Points on local and overseas retail spending & get Travel Accident insurance with coverage of up to RM1 Million! Jewelry Stores 4. When it comes to selecting a business credit card with easy access, the additional ability to earn rewards is a big positive. This means getting cards that fit your lifestyle! The CCRIS is managed by the Credit Bureau under the central bank. Earn up to 2 KrisFlyer miles from retail transactions, Earn 1 Bonus Miles point for every RM1.50 spent overseas and 1 Bonus Mile for every RM 3 spent locally. RHB provides you with cashback of up to 20% at cinemas, ticketing agencies, amusement parks and more. Alliance Bank Balance Transfer Program comes with a maximum of 24 months, interest rate of 6% per annum, minimum transfer amount of RM1,000 and one-time upfront fee of 0%. The process of RHB instant credit card as per below: a. You will also get a 0% interest Installment Payment Plan at all participating merchants! Get the best cashback credit cards in Malaysia for instant savings. Hong Leong has some of the best cards for overseas spending and travel privileges. Welcome gift of 1,000 GrabRewards Points (GRP) will be awarded upon activation. The thing with bank applications are  you may not be told the reason why you are rejected. Here are some common reasons that can result in you being denied a credit card: By knowing the usual factors banks look at when approving credit card application, you may be able to rectify it for your next application! In Malaysia, these are the major categories of credit cards you can consider applying for: You will find that the comparison page lets you compare cards and help you find the best one for you by showcasing promotions, best cards in Malaysia, and zero annual fee cards. Applicants are asked to make a security deposit but there are benefits such as free financial education, easy approval, and the opportunity to rebuild credit. Get privileges and discounts at over 6,500 shopping outlets! Travel insurance with coverage of up to RM500,000, Travel insurance with coverage of up to RM300,000. Spend and enjoy balance conversions, easy payment plan, balance transfer, call-for-cash and more. What is this about? Relook at your budget and cut and trim where necessary so you can funnel more money towards your debt. If you keep regular tabs on your credit score, you can easily know when you are ready to reapply for the card you couldn’t get before. HSBC Amanah gives up to 1% cashback on overseas retail spending and cardholders are entitled to Smart Privileges and more discounts. Some of these cards include: Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum! When you make a payment using one, you are essentially “borrowing” money from the card issuer. This report is made available to the individual, and also all the financial institutions in the country. Earn up to 5% cashback monthly on all retail spending, and get exclusive dining deals at more than 1,000 outlets nationwide! Standard Chartered Balance Transfer Program has a maximum of 1 year tenure, 2.99% per annum, minimum transfer amount of RM1,000 and no one-time upfront fee. Easy credit cards to get approval for Compare credit cards that offer 60 second approval and eligibility requirements that suit you. That’s less than ideal, and any new credit application by Amy, including a credit card, may be rejected due to the high DSR. Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection! Out of all the cards we track, none of them offer instant approval for fair credit. iMoney.my is a leading financial comparison website and a trusted personal finance authority to help you make the most out of your money. Maybank FC Barcelona Visa Signature is one of the rare cards which give cashback for all transaction. After you compare the cards on the comparison page, you can apply for one over the Internet for FREE using iMoney’s online calculator. The HSBC Red Mastercard is one of the credit cards with easy approval and application in the Philippines. Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC! Get up to 0.8% cashback on retail transactions with no maximum limit! You can get up to 8x reward points from your retail spending. You can call the bank to find out more details on the reason you were turned down. Avail amazing promo on your NEW HSBC Credit Card. Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane! Earn up to 8% Cash Back on weekends and 1% cash back on weekdays from petrol spending at PETRONAS, Earn up to RM 50 Cash Back per month for petrol, groceries, online dining & grocery delivery. Receive unlimited 1.2% cashback on overseas spending & unlimited 0.5% on local spending. To protect the cardholders and help them avoid getting in a huge debt, Bank Negara Malaysia has come up with a new regulation where those earning RM36,000 per annum and below can only hold credit cards from a maximum of two issuers and the maximum credit limit extended to a card holder should not exceed two times their monthly income, per issuer. Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia! If you fit into this category, it makes even more sense to ensure the two credit cards you put in your wallet will help you save and spend wisely. AFFINBANK Balance Transfer Program has a maximum tenure of 2 years, interest rate of 0% per annum for all different Program tenures, RM1,000 as the minimum transfer amount (RM5,000 if you are getting 6-month tenure) and a minimum of 0% for the one-time upfront fee (9% if you are getting 24-year tenure). 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