The best business card in Malaysia depends on how your company spends. If you want a bank credit line and travel perks, a bank business credit card like the CIMB SME BusinessCard or the Maybank Visa Corporate Card fits. If most of your spend goes on ads, software, AI tools and cloud, and you need a separate card for every team or tool, a corporate card built for that job, like the Swipey Corporate Card, fits better.
Key takeaways
A business credit card lends you the bank's money up to a limit, and you repay it later. A corporate card spends money your company already holds, and gives each employee, team or tool its own card with set limits.
| Business credit card | Corporate card (company-funded) | |
|---|---|---|
| Whose money | The bank's, repaid later | Your company's balance |
| Approval | Credit check, financial statements, often 2+ years trading | No credit check, set up in days |
| Interest | Charged if you carry a balance (CIMB: 15–18% a year) | None |
| Cards per team | Usually a few, held by directors | One per employee, team, tool or campaign |
| Spend controls | Card limit | Limit per card, merchant locks, instant freeze |
| Best for | Credit, travel perks, big one-off purchases | Ads, SaaS, AI tools, cloud, team spending |
Want the full breakdown by card type? Read Prepaid vs virtual vs corporate: which card for which business spend.
Figures come from each issuer's own pages, checked 3 November 2026. Always confirm on the issuer's site before you apply.
| Card | Type | Network | Annual fee | Rewards | Eligibility | Best for |
|---|---|---|---|---|---|---|
| CIMB SME BusinessCard | Business credit card | Mastercard | Waived (RM25 service tax per card a year) | 0.5% local, 1.25% overseas, unlimited | Malaysian business, 2+ years in operation | Credit plus overseas spend |
| Maybank Visa Corporate Card | Corporate credit card | Visa | RM130 per card + RM25 service tax | Up to 0.5% cash rebate | 2 years of audited accounts, 6 months of bank statements | Established companies banking with Maybank |
| Airwallex Corporate Card | Multi-currency business debit card | Visa | Free | 1% on international spend (limited-time offer) | Airwallex business account | Paying overseas from foreign-currency balances |
| Swipey Corporate Card | Company-funded corporate card | Mastercard | Free cards and users | 1.1% cashback on eligible digital spend, campaign until 30 June 2027 (T&Cs) | Any Malaysian-registered business, including sole proprietors | Ads, SaaS, AI tools and team spending, synced to your books |
A strong bank option if you spend overseas and want credit. You get 0.5% cash rebate on local spend and 1.25% on overseas spend, including online transactions, with no cap. It also comes with up to 50 days interest-free and a lifetime annual fee waiver (CIMB, archived 3 Nov 2026).
Watch for:
The last three come from the CIMB SME BusinessCard fees and charges (archived 3 Nov 2026).
Built for established companies already banking with Maybank. It offers up to 0.5% cash rebate on retail spend (excluding petrol, government services and JomPay), travel accident insurance of up to RM700,000, and up to 30 days interest-free (Maybank).
Watch for:
A multi-currency Visa debit card that spends from balances you hold in your Airwallex account. It's free to create, advertises 0% foreign card transaction fees, and is running a limited-time 1% cashback on international spend (Airwallex Malaysia, archived 3 Nov 2026).
Watch for: you need an Airwallex business account, company cards are virtual only, and the cashback is a promotion rather than a standing rate.
Swipey is built for companies whose spend is mostly digital: performance marketing, SaaS, AI tools and cloud. You give each team, tool or campaign its own Corporate Card with its own limit, and every transaction lands in Bukku, Xero or QuickBooks with its receipt attached.
Swipey isn't a credit card and isn't for personal use. It spends your company's balance, which is exactly why there's no credit check and no interest. Regulations help keep your money safe, with BNM-approved partners including PayNet, Visa & Fasspay. Trusted by 4,000+ businesses. See all fees.
Start with how your company actually spends, not with the rewards rate.
Choose a bank business credit card if you need short-term credit to manage cash flow, want travel insurance and lounge perks, and your company has the trading history to qualify. Pay the full balance each month, though, because interest of 15–18% a year (CIMB's rates) wipes out any rebate.
Choose a corporate card if:
That's the gap Swipey fills for agencies, tech companies, e-commerce brands and travel businesses.
Usually not straight away. CIMB's SME BusinessCard needs 2 years in operation, and Maybank asks for 2 years of audited accounts. New companies can get a corporate card such as Swipey with no credit check.
No. A business credit card borrows the bank's money and charges interest if you carry a balance. A corporate card like Swipey spends your company's own balance and gives each employee or tool a separate card with limits.
Pick a card that goes through reliably on ad platforms and lets you separate spend by campaign or client. The Swipey Corporate Card runs on Mastercard and works on Google, Microsoft, OpenAI and Azure. Read why cards get declined on Google Ads and OpenAI.
Yes. CIMB waives the annual fee on its SME BusinessCard (a RM25 service tax still applies per card each year), and Swipey Corporate Cards and users are free. See all fees.
Yes. Any Malaysian-registered business can sign up for Swipey, including sole proprietors.
There's no single best business card in Malaysia, only the best one for how you spend. If you need credit and travel perks, a bank card like CIMB's fits. If your spend is ads, software and cloud across several teams, and you want it in your books without chasing receipts, Swipey is built for that.
Give every team and tool its own card
No credit check, cards synced to Bukku, Xero or QuickBooks, and free cards and users