Top 5 Affordable Travel Credit Cards for Malaysians with Monthly Salary RM2-3k
Who says you need a five-figure salary to travel the world? In the world of travel credit cards, it's often perceived that only those with high annual incomes can gain access to these travel rewards programs. But what if we told you that unlocking a world of travel opportunities is possible even for those just starting their careers or earning modest salaries?
In this blog post, we're breaking down the misconception that travel credit cards are exclusively for the high rollers. We'll introduce you to a selection of affordable travel credit cards specifically designed for Malaysians with annual incomes of less than RM40,000.
Whether you're a fresh graduate embarking on your first adventure or a seasoned budget traveler seeking to maximize your travel rewards, these cards offer a range of benefits tailored to your needs.
So, if you're ready to ditch the limitations and turn your travel dreams into reality, keep reading! We'll guide you through the world of affordable travel credit cards, empowering you to explore the world without breaking the bank.
CIMB
CIMB Travel Platinum
Are you looking for a credit card with no annual fees and the option to apply for a free supplementary card for your family? Then, the CIMB Travel Platinum card might be perfect for you! Making it a great option for budget-conscious travellers with a minimum income of RM2,000 monthly!
Eligibility:
✅ Income Requirement: RM24,000 per annum
Reward Points:
✅ 5x Overseas, Airline and Duty free stores
✅ 2x Local Spend
✅ 1x Local Education, Local Insurance & Local Utilities
Benefits:
🔸 No annual fee! ✨
🔸 2x Grab Rides Codes worth RM65. (⚠️ With Minimum quarterly spend of RM3,000)
🔸 4x complimentary access to airport lounge. (⚠️ With minimum quarterly spend RM3,000)
Up to 200+ Plaza Premium Lounge Worldwide available for CIMB credit card user.
View the full list here: https://www.plazapremiumlounge.com/PlazaPremiumLounge/media/PPLMedia/Promotions/cimb_new_card.pdf
Insurance:
🔹 Travel Insurance Coverage up to RM1 Million
🔹 E-Commerce Purchase Protection up to USD 200
Apply here: https://invol.co/cll0pp7
Alliance Bank
Alliance Bank Visa Platinum
Alliance Bank Visa Platinum is perfect for online shoppers, as it rewards you with 8 TBP for every RM1 spent online shopping. Plus, it earns you 8 TBP for e-wallet top-ups, a benefit rarely found on other credit cards!
Eligibility:
✅ Income Requirement: RM24,000 per annum
Annual Fee:
✅ RM120 (First year waived, swipe 12x to waive for subsequent years)
Reward Points:
✅ 8x Online spending & E-wallet top up
✅ 3x Overseas spending & dining
✅ 1x Contactless spending, auto-billing & other transactions
Benefits:
🔸 Timeless Bonus Points (has no expiry date!)
Apply here: https://invol.co/cll0psm
AEON
AEON Visa Gold
Travel comfortably on a budget! The AEON Visa Gold card stands out with its complimentary airport lounge access in Malaysia, requiring no minimum spending.
Eligibility:
✅ Income Requirement: RM36,000 per annum
Annual fee:
✅ RM95 (First year waived, swipe 12x to waive for subsequent years)
Reward Points:
✅ 3x Overseas spending & dining
✅ 2x Spend at AEON Stores & AEON BiG Hypermarkets
✅ 1x for every RM2 spend on other transaction
⚠️ Aeon Points can only be redeemed for AEON cash vouchers.
Benefits:
🔸 3x Complimentary Access to Plaza Premium Lounge in Malaysia.
View the full list of participating Plaza Premium Lounge:
https://login.aeoncredit.com.my/ul/1567592390168_full_tnc_and_participating_lounges.pdf
Additional Benefits!
AEON credit card is also offering cash back features!
💵 8% Cashback on AEON Thank You Day (capped RM100 per month)
💵 5% Cashback on Dining Transaction (capped RM25 per month)
Insurance:
🔹 Up to RM200,000 travel insurance coverage.
Apply here: https://invol.co/cll0psj
Maybank
Maybank Singapore Airlines KrisFlyer American Express Gold
Perfect for KrisFlyer fans with a low minimum income requirement of RM3,000 monthly salary. Plus, the first year's annual fee can be waived.
Eligibility:
✅ Income Requirement: RM36,000 per annum
Annual fee:
✅ RM100, first year waived
Reward Points:
✅ 1 KrisFlyer mile RM4 spent locally or overseas
✅ 1 KrisFlyer mile RM3 spent on online transactions
✅ 1 KrisFlyer mile RM1 spent on Singapore Airlines, Scoot & KrisShop
Benefits:
🔸 3,000 bonus KrisFlyer miles on first card spend
🔸 50% savings on access fee to Plaza Premium Lounge (Local & International)
Insurance:
🔹 Travel Personal Accident coverage of up to RM750,000
Apply here: https://invol.co/cll0pt6
Hong Leong Bank
Hong Leong Bank Sutera Platinum Card
Looking for even more options to maximize your rewards? Don't miss out on this additional card! Similar to the previous recommendation, it offers a rewarding points with 8x points for various spending categories, including online purchases, overseas transactions, groceries, and dining.
Eligibility:
✅ Income Requirement: RM36,000 per annum
Annual fee:
✅ RM120
Swipe card once within 60 days from card issuance date to waive for first year.
Spend RM15k per year on retail to waive for subsequent year.
Reward Points:
✅ 8x Online Spending & Oversea Spending
✅ 8x Groceries & Essentials & Dining
✅ 1x for other transactions
Insurance:
🔹 Travel Insurance Coverage up to RM1.7 million
Apply here: https://invol.co/cll0pw7
Ambank
Ambank Visa Platinum
Additional credit card for our fellow readers!
The Ambank Visa Platinum credit card is ideal for family spending. One of its key benefits is a low minimum income requirement of only RM2,000 monthly salary. Additionally, it offers free annual fees for life on the main card and up to 3 supplementary cards. However, a RM188 annual fee applies to each additional supplementary card (starting from the 4th card).
Eligibility:
✅ Income Requirement: RM24,000 per annum
Reward Points:
✅ 2x Overseas spending
✅ 1x Other transactions
Benefits:
🔸 No annual fee! ✨
🔸 0% Easy Payment Plan program, you can now enjoy up to 36 months interest/management free instalment.
Insurance::
🔹 Up to RM500k travel insurance coverage when the full fare of airline tickets are charged to the Card.
Apply here: https://invol.co/cll0pso
That's it for our dive into affordable travel credit cards in Malaysia!
We hope this information equips you to choose a card that lets you explore the world without emptying your wallet.
Remember, responsible credit card usage is key - so swipe wisely and enjoy your travel adventures!
We understand that new to travel credit card users often have questions. Don't worry, we're here to help! Simply apply for a credit card through the link below. Once your application is verified, we'll invite you to our subscriber channel, packed with travel tips, deals, and the opportunity to connect with fellow globetrotters!
https://invol.co/cll0pty
Bon Voyage!
