5 best credit cards to have when you first start working

Just clinched your first job and thinking of a credit card? With so many in the market, it can get confusing – which is the best for you, and which are you eligible for?

Below is a list of the five best credit cards for fresh graduates, who have just entered the workforce based on the criteria that these carry no, or low annual fees and require only a low minimum monthly income to be eligible.


AmBank CARz Gold Visa Card-i

Among the first few items you may purchase, or are thinking of purchasing when you start working is a car, making this card a suitable option.

This card is also ideal if you do not want to limit yourself to only one petrol brand as you receive a cash rebate from any petrol brand you refuel at. Aside from the petrol benefits, this card offers other extra perks such as:

  • Earn 1 CARz Point for every RM1 retail spending on CARz Credit Card
  • 0% Easy Payment Plan up to 24 months
  • No annual fee

You will also collect CARz Points, which you can then use to redeem auto-related goods and services. This card is also a Shariah compliant credit card if you’re looking for an Islamic petrol card.

Requirement: Minimum monthly income of RM2,500

Alliance Bank Visa Basic Card

Here’s an ideal card for first-time credit card users. Firstly, annual fees will be automatically waived with a minimum spend of RM5,000 or 12 swipes within a 12-month period.

If not, the annual fee is still an affordable RM20. You will also get to enjoy exclusive privileges, discounts and easier purchases with the 0% Instalment Payment Plan at participating merchants.

Requirement: Minimum monthly income of RM2,000

Citi Clear Visa Card

Specially designed for those who are young (or young at heart), the Citi Clear Visa Card allows you and a companion to enjoy movies every Friday for the price of one ticket. This is applicable for GSC and TGV cinemas.

Coffee lovers will be glad to know that they can enjoy the buy-1-free-1 at all The Coffee Bean outlets during weekdays.

For social butterflies, you’ll be collecting reward points while having fun as you earn 3x Citi Rewards points at various hangouts, which include Zouk Club KL, Borders and Sakae Sushi among others.

The annual fee for this card is RM90 but will be waived for the first year with a minimum of three swipes within the first 60 days upon approval of the card.

Requirement: Minimum monthly income of RM2,000

CIMB Tesco Mastercard

Get extra Tesco Clubcard points and cashback rates of up to 5%

Food is an everyday necessity, so what better card to have than one which will give you cashback when purchasing the groceries.

With the CIMB Tesco Mastercard, you will get extra Tesco Clubcard points and cashback rates of up to 5%. Below is how the rewards programme works:


You get extra Tesco Clubcard points for every RM2 spent with this card. Also, another great feature is the annual fee that is waived for life.

Cashback will be applicable for purchases made at Tesco only, and the monthly cashback is capped at RM50, which means the maximum cashback you can get with this card is RM600 per annum.

Requirement: Minimum monthly income of RM2,000

UOB Ladies Classic

Attention all ladies – this card may just become your new BFF! The UOB lady’s credit card is optimised to make the most out of what most ladies enjoy – shopping.

You will earn 3x UNIRM reward points and then also get rewarded with exciting gifts when you shop at eligible department stores. You’ll also get to enjoy a card that is personalised to your needs, so you can get the most out of fashion, wellness and travel.

The annual fee is RM68, but you can get an annual fee waiver with 16,000 UNIRinggit.

Other benefits

  • 10% cashback every day on grocery purchases.
  • Purchases of RM2,000 and above can be converted to six or 12-months instalment plan, and you get to enjoy it at 0% interest thanks to the LuxePay Plan.

Requirement: Monthly minimum income of RM2,000

Getting a credit card is exciting and provides many perks. But remember when you choose a credit card, it is important to think of your personal spending habits.

Make sure you also prioritise your spending based on the features of that particular card to help you get the most out of it.

This article first appeared in comparehero.my