A black card in Malaysia, a premium or prestige credit card, is an exclusive high-tier credit card typically offered to high-net-worth individuals with substantial annual incomes (ranging from RM80,000 to RM192,000, depending on the bank). These cards are distinguished by their premium benefits, which include unlimited airport lounge access, comprehensive travel insurance, high reward point multipliers, exclusive dining privileges, and concierge services.
Most black cards in Malaysia are available through direct application, contrary to the common belief that all are invitation-only. To apply, interested individuals must first meet the minimum income requirements set by their preferred bank and submit the necessary documentation, including income proof, tax returns, and employment verification. Only select cards, such as the RHB Premier Visa Infinite, require an invitation or introduction from existing cardholders or their banking relationship managers. For these invitation-only cards, banks typically require applicants to maintain premium banking relationships or significant assets with the institution before being considered for these prestigious cards.
Black Card Application
1. OCBC World MasterCard
To apply for the OCBC World MasterCard, visit OCBC’s official website or any OCBC branch. Applicants must be at least 21 years old and have a minimum annual income of RM100,000. Required documents include a photocopy of your MyKad (both sides) and proof of income, such as recent salary slips or EPF statements.
Key benefits of the OCBC World MasterCard include 1% unlimited cashback on overseas spending, 0.5% unlimited cashback on local spending, RM2 million complimentary travel insurance when flight tickets are purchased with the card, and two complimentary accesses to the KLIA Plaza Premium Lounge per calendar year. The annual fee is RM388 for the principal card and RM188 for supplementary cards, with a first-year fee waiver for new OCBC credit card customers.
2. UOB Visa Infinite
Applications for the UOB Visa Infinite card can be made online through UOB’s official website or at any UOB branch. Applicants should be at least 21 years old and have a minimum annual income of RM120,000. Required documents include a photocopy of your MyKad (on both sides) and income proof such as recent salary slips or EPF statements.
Key benefits of the UOB Visa Infinite card include 10x UNIRinggit points for overseas spending, up to 5x UNIRinggit points for local dining spending, 12 complimentary airport lounge accesses per year, and 12 complimentary limousine rides to KLIA with qualifying spend. The annual fee is RM600 for the principal card and RM300 for supplementary cards, with an annual fee waiver upon meeting minimum spend criteria.
3. AmBank Visa Signature
To apply for the AmBank Visa Signature card, visit AmBank’s official website or any AmBank branch. Applicants must be at least 21 years old and have a minimum annual income of RM80,000. Required documents include a photocopy of your MyKad (on both sides) and income proof such as recent salary slips or EPF statements.
Key benefits of the AmBank Visa Signature card include RM1 million travel insurance coverage, five complimentary airport lounge accesses annually, 3x AmBonus Points for overseas transactions, and up to 50% discount for dining at Hilton hotels. The annual fee is RM550 for the principal card and RM150 for supplementary cards, with an annual fee waiver upon meeting minimum spending criteria.
4. Citi Prestige MasterCard
Applications for the Citi Prestige MasterCard can be made online through Citibank’s official website or at any Citibank branch. Applicants should be at least 21 years old and have a minimum annual income of RM192,000. Required documents include a photocopy of your MyKad (both sides) and proof of income, such as recent salary slips or EPF statements.
Key benefits of the Citi Prestige MasterCard include 12 complimentary airport lounge accesses annually, complimentary limousine airport transfers, RM2 million travel insurance coverage, and one complimentary night at international hotels and resorts. The annual fee is RM1,000 for the principal card and RM500 for supplementary cards.
5. Affinbank World MasterCard
To apply for the Affinbank World MasterCard, visit Affinbank’s official website or any Affinbank branch. Applicants must be at least 21 years old and have a minimum annual income of RM80,000. Required documents include a photocopy of your MyKad (both sides) and proof of income such as recent salary slips or EPF statements.
Key benefits of the Affinbank World MasterCard include 3x AFFIN Rewards Points for overseas retail purchases, six complimentary accesses per year to participating Plaza Premium Lounges, and travel insurance coverage. The annual fee is RM500 for the principal card and RM250 for supplementary cards, with an annual fee waiver upon meeting minimum spending criteria.
6. Standard Chartered WorldMiles MasterCard
Applications for the Standard Chartered WorldMiles MasterCard can be made online through Standard Chartered’s official website or at any Standard Chartered branch. Applicants should be at least 21 years old and have a minimum annual income of RM90,000. Required documents include a photocopy of your MyKad (both sides) and proof of income, such as recent salary slips or EPF statements.
Key benefits of the Standard Chartered WorldMiles MasterCard include 4.5x WorldMiles for overseas spending, unlimited complimentary access to Plaza Premium Lounges in Malaysia, and RM80 cashback for airport transfers. The annual fee is RM600 for the principal card and RM300 for supplementary cards, with a first-year fee waiver.
7. Maybank 2 Cards Premier
To apply for the Maybank 2 Cards Premier, visit Maybank’s official website or any Maybank branch. Applicants must be at least 21 years old and have a minimum annual income of RM120,000. Required documents include a photocopy of your MyKad (both sides) and proof of income such as recent salary slips or EPF statements.
Key benefits of the Maybank 2 Cards Premier include TreatsPoints rewards for local and international spending, complimentary access to selected airport lounges, and various travel and lifestyle privileges. The annual fee is RM800 for the principal card and RM400 for supplementary cards, with a first-year fee waiver upon meeting minimum spending criteria.
8. HSBC Visa Infinite
Applications for the HSBC Visa Infinite card can be made online through HSBC’s official website or at any HSBC branch. Applicants should be at least 21 years old and have a minimum annual income of RM200,000. Required documents include a photocopy of your MyKad (on both sides) and income proof such as recent salary slips or EPF statements.
Key benefits of the HSBC Visa Infinite card include complimentary access to Plaza Premium Lounges, comprehensive travel insurance coverage, and a robust rewards point system for local and international spending. The annual fee is RM1,000 for the principal card and RM500 for supplementary cards, with an annual fee waiver upon meeting minimum spending criteria. Please ensure you meet the eligibility criteria and have the necessary documentation when applying for this card.
9. RHB Premier Visa Infinite
To apply for the RHB Premier Visa Infinite card, you must be an RHB Premier Banking customer. This card is offered by invitation only. Eligibility requires a minimum annual income of RM150,000. Interested individuals should contact their RHB relationship manager or visit an RHB branch for more information.
Key benefits of the RHB Premier Visa Infinite card include 8x Reward Points for overseas spending, 3x Reward Points for local hotels, duty-free dining and online transactions, unlimited access to selected Plaza Premium Lounges (subject to spending conditions), and comprehensive travel insurance coverage. The annual fee is RM600 for the principal card and RM300 for supplementary cards, with an annual fee waiver upon meeting minimum spending criteria.
10. Public Bank Visa Infinite
To apply for the Public Bank Visa Infinite card, visit the Bank’s official website or any branch. Applicants must be at least 21 years old and have a minimum annual income of RM120,000. Required documents include a photocopy of your MyKad (on both sides) and income proof such as recent salary slips or EPF statements.
Key benefits of the Public Bank Visa Infinite card include 2% Cash MegaBonus for overseas retail purchases, 0.3% Cash MegaBonus for local retail purchases, three complimentary accesses per year to Plaza Premium Lounges in Malaysia, and up to RM500,000 in travel insurance coverage. There is no annual fee for both principal and supplementary cards. Please ensure you meet the eligibility criteria and have the necessary documentation when applying for this card.
What are the Eligibility Requirements for a Black Card?
A black card in Malaysia represents the pinnacle of credit card offerings, designed for high-net-worth individuals who meet stringent financial criteria. To qualify, applicants must demonstrate a minimum annual income ranging from RM120,000 to RM250,000, depending on the issuing bank.
An excellent credit score and proven track record of financial responsibility are essential prerequisites for consideration.
What Benefits and Privileges Come with a Black Card?
Black card membership comes with an extensive array of exclusive benefits. Cardholders enjoy unlimited complimentary access to select airport lounges worldwide and receive dedicated 24/7 concierge assistance for travel, dining, and entertainment arrangements.
Comprehensive travel insurance coverage provides peace of mind during international travel. The cards offer high reward point multipliers across various spending categories. Additionally, members receive priority booking privileges for luxury hotels, restaurants, and events and exclusive shopping benefits at premium retailers.
What are the Annual Charges?
Black cards command significant annual fees, typically ranging from RM600 to RM2,500, reflecting their premium status and extensive benefits. However, many banks offer fee waivers based on spending thresholds or relationship value.
Please understand the fee structure and maintain the required spending or relationship criteria to maximise the card’s benefits while minimizing costs.
What are the Alternative Options to Black Cards?
Premium cards with lower income thresholds offer an excellent alternative for those who don’t currently meet black card eligibility requirements. These cards often provide similar benefits and can serve as stepping stones toward black card eligibility while helping build a strong banking relationship.
