If you are looking for a credit card but you don’t have a fixed income, you might think that it is impossible to get one. However, there are some ways that you can still apply for a credit card and enjoy its benefits. Here are some tips on how to get a credit card without a fixed income in Malaysia.

1. Choose a credit card with no annual fee or low income requirement. Some credit cards offer no annual fee or waive the annual fee if you meet certain spending criteria. These credit cards can help you save money and avoid paying extra charges. Some examples of credit cards with no annual fee are **Standard Chartered Simply Cash Credit Card**, **RHB Cash Back Visa Credit Card**, and **UOB ONE Card**. Alternatively, you can look for credit cards that have a low income requirement, such as RM2,000 or RM3,000 per month. These credit cards are easier to qualify for and may have lower interest rates and fees. Some examples of credit cards with low income requirement are **Alliance Bank Visa Virtual Credit Card**, **AEON BiG Visa Gold**, and **Public Islamic Bank Visa Platinum Credit Card-i**.

2. Provide proof of income or assets. Even if you don’t have a fixed income, you still need to show the bank that you have some source of income or assets that can support your credit card repayment. You can provide documents such as bank statements, investment statements, rental income receipts, or business income statements. You can also use your spouse’s or parent’s income as a guarantor if they agree to co-sign your application. However, make sure that you can afford to pay back your credit card debt and not rely on others.

3. Apply for a secured credit card. A secured credit card is a type of credit card that requires you to deposit a certain amount of money as collateral with the bank. The deposit acts as a security for the bank in case you default on your payments. The credit limit of your secured credit card is usually equal to or slightly higher than your deposit amount. A secured credit card can help you build your credit history and improve your chances of getting an unsecured credit card in the future. Some examples of secured credit cards are **Maybankard 2 Gold Card**, **CIMB Bank Platinum MasterCard**, and **Hong Leong Bank Gold Credit Card**.

4. Visit the bank in person. If you are not sure whether you qualify for a credit card or what documents you need to provide, it is always best to visit the bank in person and talk to a staff member. They can explain the requirements and procedures for applying for a credit card and help you fill out the application form. You can also ask them about the benefits and features of different credit cards and choose the one that suits your needs.

5. Check your eligibility online. If you want to save time and hassle, you can also check your eligibility for a credit card online using websites like RinggitPlus or CompareHero. These websites allow you to compare different credit cards based on their interest rates, fees, rewards, cashback, and other factors. You can also apply for a credit card online by filling out a simple form and uploading your documents.


Getting a credit card without a fixed income is not impossible, but it requires some effort and planning. You need to choose a suitable credit card, provide proof of income or assets, apply for a secured credit card, visit the bank in person, or check your eligibility online. By following these tips, you can get a credit card without a fixed income in Malaysia and enjoy its convenience and benefits.


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