The Best Business Credit Card in Malaysia for 2025

Disclaimer: This article is intended for illustrative and informational purposes only and should not be taken as financial advice or a definitive endorsement of any specific bank or product. Readers are encouraged to verify details directly with the respective financial institutions before making any decisions.

Running a business here in Malaysia keeps you on your toes. From handling day-to-day costs to spotting opportunities for growth, having the proper tools can really smooth things along.

One such tool is the business credit card. It’s more than just a way to pay for your business expenses or swiping your 支付终端, it helps with expense tracking, managing your cash flow, and even rewarding your spending through cashbacks.

But with so many options floating around the market, figuring out the top credit card for your Malaysian business can feel like a bit of a puzzle.

Fortunately, we did the work for you so let’s have a look at some leading contenders and what makes them stand out.

Knowing What You Need

Before we peek at specific cards, it’s a good idea to have a think about what your business actually requires. Different strokes for different folks, as they say. So, ask yourself these questions:

• What sort of things do I spend the most on for the business? (For instance, travel, office equipment, advertising spending)
• Will I need to give cards to the team?
• Does getting some money back (cashback) sound better, or collecting points for rewards?
• Are there any particular extras that would be genuinely useful? (Perhaps getting into airport lounges or having travel cover)
• What level of spending will I likely need the card to cover?

Taking a moment to answer these will help you narrow your focus to the cards that are a proper fit for how your business operates.

The Best Credit Card Malaysia has To Offer

A significant number of banks offer business credit cards, each with its own flavour of features and advantages. You might know most of them on the list considering they are household names so let’s have a proper look at some of the main ones:

1. Maybank Credit Card 

Maybank provides a selection of company credit card products aimed at businesses of various sizes. Their offerings often feature:

• Rewards Schemes (TreatsPoints):
  • Easily convert to air miles with partners like Malaysia Airlines and Singapore Airlines.
  • Redeem for a wide range of merchandise and vouchers.
  • Accelerate earning on overseas transactions and fuel purchases.

• Cashback Deals:
  • Receive a percentage back on spending.
  • Tiered rates reward higher spending and specific categories (online, dining, groceries).

• Travel Extras:
  • Complimentary travel insurance for travel inconveniences and accidents.
  • Access to airport lounges (Plaza Premium) with potential free visits.

• Expense Management Tools (Maybank2u Business):
  • Real-time transaction tracking and detailed statement downloads.
  • Manage employee cards with customisable spending limits.

• Maybank Visa Corporate Card:
  
  • Robust online expense management via Maybank2u Business.
  • Higher credit limits tailored to business turnover.
  • Rewards (TreatsPoints) or cashback on business-related expenditure (office supplies, travel).

Maybank’s Visa Corporate Card, benefits Malaysian businesses with a strong balance of valuable rewards and powerful online management tools.

2. CIMB Business Credit Card Options

CIMB also has several company credit card solutions, often highlighting:

• Cashback Offers:
  • Direct savings through flat-rate cashback on all spending.
  • Higher cashback percentages on key categories like online shopping (“eDay”), petrol, and groceries.

• Airport Lounge Entry:
  • Complimentary access to Plaza Premium Lounges worldwide on premium cards.

• Travel Cover:
  • Travel insurance including accident cover and protection against travel inconveniences.

• Expense Tracking (CIMB Clicks Business):
  • Detailed monitoring of all card transactions and easy statement downloads.
  • Management of employee cards with individual spending controls.

• CIMB SME BusinessCard:
  
  • Attractive cashback rates on local and overseas spending.
  • Often comes with no annual fee, reducing overheads for SMEs.

CIMB’s business credit cards benefit SMEs with significant cashback opportunities and provide valuable travel perks on premium options.

3. Public Bank Business Credit Card 

Public Bank offers company credit cards with features that can include:

• Rewards Points (Public Bank VIP Points):
  • Redeemable for shopping vouchers, travel packages, and direct cash rebates.
  • Potential for bonus VIP Points at preferred merchants.

• Cashback Deals:
  • Earn money back on purchases with tiered rates based on spending.
  • Higher cashback percentages on specific categories like online and overseas spending.

• Benefits for Specific Trades:
  • Potential exclusive discounts and offers at relevant merchants.

Public Bank’s business credit cards offer a reliable way to earn rewards through VIP Points and provide direct savings with cashback offers.

4. HSBC Company Credit Cards

HSBC provides corporate credit card solutions often focused on keeping things controlled and efficient:

• HSBC Corporate Mastercard®:
  • Powerful online platform (HSBCnet) for comprehensive spending oversight.
  • Automatic discounts on business essentials via Mastercard® Easy Savings Specials.
  • Robust protection against fraud and corporate liability waiver.
  • Comprehensive travel insurance for business trips charged to the card.

HSBC’s corporate card benefits larger organisations with exceptional control over expenditure and automatic cost savings.

5. Alliance Bank Business Credit Cards

Alliance Bank has a selection of business credit cards aimed at different priorities:

• Alliance Bank Visa Infinite Business Credit Card:
  • Generous complimentary access to Plaza Premium and Travel Club lounges worldwide.
  • Comprehensive travel insurance with high coverage limits.
  • Lucrative cashback or Alliance Bank Timeless Bonus Points earning.

• Alliance Bank Business Platinum Card:
  • Strong cashback rewards with tiered rates for higher spending.

• Alliance Bank Visa Platinum Business Credit Card:
  • Potentially lower annual percentage rates (APR).
  • Opportunity for even lower interest rates with prompt payments.

Alliance Bank’s range benefits businesses with premium travel perks, significant cashback potential, and the advantage of lower interest rates for responsible payers.

6. RHB Company Credit Cards

RHB offers corporate cards designed to make managing your outgoings smoother:

• RHB Corporate Card/-i:
  • High cashback potential (up to defined limits) on most business spending.
  • Powerful online platform (RHB Reflex) for real-time tracking and reporting.
  • Flexible liability options to suit different business structures.
  • Up to 50 days charge-free period for improved cash flow.

• RHB Purchasing Card-i:
  • Streamlined procure-to-pay processes with pre-approved spending limits.
  • Consolidated transaction data for simplified reconciliation.

RHB’s corporate card benefits businesses with compelling unlimited cashback and a robust online platform for efficient expense management.

7. AmBank Business Credit Cards

AmBank provides business credit cards that often focus on rewards and the potential for lower interest if you pay promptly:

• AmBank Business Platinum Mastercard / Visa Platinum Business Card / Visa Infinite Business Card:
  • Earning AmBonus Points or cashback on business spending.
  • Potential for lower annual percentage rates (APR) with good payment history.
  • Travel insurance coverage for business trips.
  • Options for Easy Payment Plans on larger business purchases.

AmBank’s offerings benefit businesses with valuable rewards programs and the potential to save on interest with responsible card use.

8. BSN (Bank Simpanan Nasional) Business Credit Cards

BSN also offers corporate credit cards, often with a focus on organisations linked to the government, but potentially available to other businesses as well:

• BSN Visa Corporate Card-i:
  • Low management fee and no annual fee (for the public sector).
  • Extended management fee-free period (up to 59 days).
  • Worldwide acceptance for international transactions.
  • Sole liability for the organisation.

BSN’s corporate card benefits eligible organisations with cost-effective terms and extended fee-free periods.

*All information, fees, and charges mentioned above are subject to change. Please check with the respective bank for the latest terms and conditions.

Deciding What’s Best: A Comparative Glance

Here’s a simple table highlighting some examples and what they mainly focus on:

Remember, the specifics of each card can change, and it’s always best to get the most up-to-date information directly from the banks themselves. This wider look should give you a better idea of the types of business credit cards available in Malaysia, helping you make a more informed decision for your company in 2025.

Making the Right Choice for Your Business in 2025

Picking the best company credit card takes a bit of careful thought. Keep these points in mind when you’re deciding:

1. Match Your Spending Habits: If your business spends a lot on getting around, a card with good travel rewards might be the ticket. If you’re always buying office supplies, look for cashback on those sorts of purchases.
2. Understand the Costs: Pay attention to how much the card costs each year, what they charge if you’re late with a payment, and the interest rates. A card with great rewards isn’t so great if the fees eat them all up.
3. Check How Much You Can Spend: Make sure the card lets you spend enough to cover your usual business outgoings without going over the limit too quickly.
4. Think About Team Cards: If you need to give cards to your staff, have a look at the rules and conditions for getting extra cards.
5. Review the Small Print: Always go through the terms and conditions properly to get the full picture of what you’re getting, what the limits are, and what the charges are.

Final Thoughts

Choosing the correct business credit card can be a real plus for how your company manages its finances. By getting to grips with what your business needs and comparing what different banks like Maybank, CIMB, Public Bank, HSBC, Alliance Bank, RHB, AmBank, and BSN offer, you can find a “plastic partner” that not only makes payments easier but also gives you useful rewards and benefits.

Take your time, do a bit of digging, and pick a card that truly helps your business achieve its goals in 2025 and beyond.

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