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How to Apply Credit Card Online in Malaysia?

A string of credit cards in a black wallet.

A credit card is now a crucial and important financial tool, which is among the must-haves in our purses.

I believe most of us have more than 1 credit card. If you are looking for a new or additional credit card, you can apply for a credit card online.

Nowadays, it is now so much easier and more convenient to apply for a credit card online in Malaysia.

Gone were those days when you need to walk into the local bank premises, get a queue ticket number and wait patiently for your number to be called.

Instead of wasting your precious time and resources, now you can apply for credit cards online – any time of the day and at your own convenience.

The requirement to apply for a credit card online in Malaysia

A quick check on Public Bank Online, Maybank Online and CIMB Online shows that to apply for a credit card online, you just need to fill in their credit card online application forms.

And attached with the required documents such as:

  1. NRIC (front and back)
  2. the latest salary slip
  3. the latest Form BE from IRB
  4. EPF or KWSP statement

A different bank might have a different additional requirement for supporting documents.

So, just follow the instructions and requirements accordingly.

Usually, it will take a few working days for processing the credit cards.

You can choose to collect the credit card from the selected branch office or to have the credit card to be delivered to your premises.

Once you received the credit card, you just need to follow the instruction to activate it, then you can start to use the credit card.

Apply through financial comparison websites

Alternatively, for the best credit card deals, feel free to check them out at financial comparison websites.

Among the top financial comparison websites in Malaysia are:

Those in a hurry will find that financial comparison websites simplify the process of getting the right credit cards based on your needs and requirements.

And for those who want to get the best credit card offer, you can easily browse through all the available credit cards listed on financial comparison websites.

Then, you can compare the charges and benefits before selecting the best credit card that suits your financial needs.

The best part is, some of the credit cards come with an interesting offer such as:

  • no annual fees
  • cashback
  • special promotions at selected merchants
  • discounts for online shopping
  • free sign-up gifts

And of course, you also can apply for these credit cards online.

Final thoughts

In summary, it is getting more and more convenient to get a credit card in Malaysia.

The next time you wish to have a new credit card, you can just apply for it online, either directly through the respective bank or through a financial comparison website.

Lastly, please be smart and use credit cards as a financial tool. And not to misuse the credit card facilities by spending your future money.

photo credit: wuestenigel Wallet with Cards On a White Background via photopin (license)

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