Best Credit Cards For Low-Income Earners in Malaysia (Below RM3,000 Monthly)

Are you earning below RM3,000 on a monthly basis and looking for a credit card? If you think the options are very limited, think again because we have quite a few choices in the market suited just for you!

To make it easier for you, we have selected the top 4 credit cards with the best benefits and features for those who earn between RM2,000 and RM3,000 monthly. The best part is, some of them are free for life which means you do not have to pay an annual fee at all!


  1. Maybank 2 Gold Credit Cards

With 2 cards, you can earn rewards points, known as TreatsPoints, and enjoy cash rebate if you use it right. Currently, Maybank is offering customers 5X TreatsPoints and 5% cashback during the weekend by spending with their Amex cards.

This credit card is popular amongst fresh graduates and young executives for its features and other benefits such as easy installment plan as well as attractive balance transfer plans.


Minimum Income Requirement: RM2,500

Annual Fee: Free for life


  1. Citi Simplicity+ Card

This card is simple to use with its unlimited cashback of 10% on purchases and cash advances every month when you pay the minimum outstanding amount due on time every month. Also, you don’t have to worry about paying your outstanding amount late or spending over the credit limit as there will be no charges for any of these two mentioned!

Citibank is also well-known for its exclusive deals programme, Citi World Privileges where you can enjoy special promotions at about 10,000 outlets for shopping, dining, and travelling around the world.

Minimum Income Requirement: RM2,000

Annual Fee: Free for life


  1. HSBC Visa Platinum

This credit card is specially designed for shoppers with an outstanding rewards programme that offers you to earn rewards points up to 8X!


If you shop at Mid Valley and The Gardens Mall, you get to earn 8X rewards points. You can also earn 5X rewards points if you use this card to spend at these malls:

  • 1 Mont Kiara
  • Bangsar Shopping Centre
  • Bangsar Village
  • Lot 10
  • Low Yat Plaza
  • Publika Shopping Gallery
  • Hartamas Shopping Centre
  • Pavilion Kuala Lumpur
  • Suria KLCC
  • Sungei Wang Plaza
  • Sogo
  • Starhill Gallery
  • 1 Utama
  • The Curve
  • IPC Shopping Centre
  • Paradigm Mall
  • Tropicana City Mall
  • Empire Shopping Gallery
  • Sunway Pyramid
  • Setia City Mall
  • Sunway Putra Mall
  • Atria Shopping Gallery
  • Nu Sentral
  • IOI City Mall
  • KSL City Mall
  • AEON Tebrau City
  • Sutera Mall
  • Johor Premium Outlets
  • Johor Bahru City Square
  • 1Borneo Hypermall
  • Gurney Plaza
  • Queensbay Mall
  • Gurney Paragon Mall
  • Sunway Carnival


After collecting points, you can redeem them for preferred items or vouchers from the HSBC Rewards Catalogue. There is an extensive catalogue with categories of gadgets, kitchen accessories, home & living products, beauty & grooming products, and more.

Minimum Income Requirement: RM3,000

Annual Fee: RM240


  1. Alliance Bank You:nique Rewards

Enjoy a greater shopping experience and earn 2X Timeless Bonus Points for every RM1 spent except for petrol and government spend. With this credit card, you get automatic enrollment into the Alliance One Bank Rewards Program, which allows you to earn Points on other financial products.

You can redeem all kinds of gifts including electronic gadgets, home and living products, fashion items, accessories, shopping vouchers and more with your Timeless Bonus Points earned!

The best part about this card is you get to choose the layout and design of your own! Just pick the wallpaper or pattern design and get your ONE & ONLY credit card from Alliance Bank.

Minimum Income Requirement: RM3,000

Annual Fee: RM148


Don’t forget to negotiate with your bank to waive the annual fee if you spend frequently with the credit card of the bank (Yes, you can actually do that!). You may also check out other credit cards for people at different income level.



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