7 best corporate cards in Malaysia (2026 guide)

Key takeaways:

• The best corporate cards in Malaysia split into two camps: bank cards built for cashback, and multi-currency platforms built for spend control.

• If your business runs teams or entities in more than one country, the real question isn't which card pays the most rewards. It's which one gives your finance team visibility over every dollar spent.

• Airwallex lets you issue cards to employees and entities as your business grows, with spend limits and merchant restrictions set in one dashboard. You also get a consolidated view across your whole business.

The best corporate cards for Malaysian businesses depend on how your company spends money.

Some cards are designed to maximise cashback, air miles or rewards, while others focus on giving finance teams greater control over employee spending, approvals and reconciliation.

In this guide, we'll compare the best corporate cards available in Malaysia, looking at fees, rewards, expense controls and multi-currency capabilities. We'll also show how Airwallex helps growing businesses issue corporate cards, manage global spending and automate expense management from a single platform.

If you want a refresher on how a corporate card works, first read our article on what a corporate card is.

7 best corporate cards in Malaysia in 2026

Here's a side-by-side look at the seven corporate cards we'll cover:

The information in this table has been reviewed to be accurate as of 8 July 2026.

Note: “Multi-currency” refers to the ability to hold and spend from multiple currency balances without automatic FX conversion, not simply making purchases in foreign currencies.

1. Airwallex Corporate Card

Airwallex is best suited to mid-sized Malaysian businesses with operations across multiple countries or legal entities.

Unlike traditional corporate cards, which are typically managed separately by entity or market, Airwallex lets finance teams issue cards, set spending policies and monitor expenses across the entire organisation from a single platform.

This makes it particularly well suited to fast-growing companies that want consistent controls and a consolidated view of company spending as they expand.

Key features:

• Multi-currency corporate cards

• Physical and virtual cards

• Centralised card management across multiple entities

• Consolidated group-wide spend visibility and reporting

• Employee spend controls and approval policies

• Automated expense management and receipt collection

• Integrations with accounting and finance platforms

Airwallex has no setup fees, no monthly fees, and no minimum balance requirements.

2. Maybank Visa Corporate Card

The Maybank Visa Corporate Card is best suited to established Malaysian businesses looking for a traditional corporate credit card with a familiar banking relationship.

It's a practical choice for companies that want to centralise employee spending while taking advantage of Maybank's corporate banking ecosystem. Businesses that primarily operate within Malaysia and prefer conventional credit facilities may find it a good fit.

Key features:

• Corporate credit card with revolving credit facility

• Employee cards with centralised account management

• Spending limits for individual cardholders

• Worldwide acceptance on the Visa network

• Travel and business-related insurance benefits

• Online account management and transaction reporting

• Integration with Maybank's corporate banking services

The information in this table has been reviewed to be accurate as of 8 July 2026.

3. CIMB SME BusinessCard

The CIMB SME BusinessCard is designed for small and medium-sized businesses that want a straightforward way to separate company expenses from personal spending.

It's well suited to businesses looking for a simple corporate credit card without the complexity of a full expense management platform. Companies that already bank with CIMB may also appreciate the convenience of managing their cards alongside their existing business accounts.

Key features:

• Corporate credit card for business expenses

• Physical and virtual cards

• Employee cards with configurable spending limits

• Worldwide acceptance on the Mastercard network

• Online transaction monitoring and reporting

• Integration with CIMB corporate banking services

• Business travel and purchase protection benefits

The information in this table has been reviewed to be accurate as of 8 July 2026.

4. HSBC Corporate Mastercard

The HSBC Corporate Mastercard is best suited to larger Malaysian businesses with regional or global operations, particularly those that already use HSBC for corporate banking.

It offers a broad suite of commercial card solutions, making it a good fit for organisations that need stronger governance over employee spending and more sophisticated reporting. Businesses with complex procurement or travel expenditure may also benefit from HSBC's wider commercial payments ecosystem.

Key features:

• Corporate credit card with centralised programme management

• Physical and virtual card options

• Employee spend controls and card administration

• Consolidated expense reporting and analytics

• Worldwide acceptance on the Mastercard network

• Travel and business-related insurance benefits

• Integration with HSBC's corporate banking and commercial payment solutions

The information in this table has been reviewed to be accurate as of 8 July 2026.

5. Alliance Bank Visa Infinite Business Credit Card

The Alliance Bank Visa Infinite Business Credit Card is best suited to business owners and SMEs that want a premium business credit card with travel and lifestyle privileges alongside everyday business spending.

It's a practical choice for companies that travel regularly for work and prefer a traditional bank-issued corporate card with access to additional cardholder benefits.

Key features:

• Business credit card with a revolving credit facility

• Employee supplementary cards

• Worldwide acceptance on the Visa network

• Travel and lifestyle privileges

• Airport lounge access

• Online account management and transaction tracking

• Integration with Alliance Bank business banking services

The information in this table has been reviewed to be accurate as of 8 July 2026.

6. RHB Corporate Card-i

The RHB Corporate Card-i is a good fit for Malaysian businesses looking for a Shariah-compliant corporate card to manage company expenses.

It enables businesses to centralise employee spending while maintaining oversight of corporate purchases, making it suitable for organisations that prefer Islamic banking products or already use RHB for their business banking needs.

Key features:

• Shariah-compliant corporate card

• Employee cards with centralised account management

• Configurable spending controls for cardholders

• Worldwide acceptance on the Mastercard network

• Online transaction monitoring and reporting

• Business travel and purchase protection benefits

• Integration with RHB business banking services

The information in this table has been reviewed to be accurate as of 8 July 2026.

7. AmBank Visa Infinite Business Card

The AmBank Visa Infinite Business Card is best suited to business owners and established SMEs that want a premium corporate credit card for everyday business spending and frequent travel.

It's a good option for companies looking to consolidate business expenses while benefiting from travel-related privileges and the convenience of managing their cards alongside AmBank's business banking services.

Key features

• Business credit card with a revolving credit facility

• Employee supplementary cards

• Worldwide acceptance on the Visa network

• Travel and lifestyle privileges

• Airport lounge access

• Online account management and transaction monitoring

• Integration with AmBank business banking services

The information in this table has been reviewed to be accurate as of 8 July 2026.

Why Malaysian businesses choose Airwallex Corporate Cards

As your business grows, managing corporate cards across multiple teams, countries or legal entities becomes increasingly complex. Traditional corporate cards are typically managed separately by entity, making it difficult for finance teams to maintain consistent spending policies or get a complete view of company expenses.

Airwallex brings everything together in a single platform, making it easier to issue cards, control spending and manage expenses across your organisation.

With Airwallex, you can:

• Manage cards across multiple entities. Issue and manage cards for different subsidiaries from one dashboard, with a consolidated view of spending across your group.

• Set consistent spend controls. Configure spending limits, merchant restrictions and approval policies at both the employee and entity level.

• Reduce foreign exchange costs. Spend directly from supported currency balances, or convert currencies at competitive rates when needed.

• Automate expense management. Capture receipts, streamline approvals and sync transactions with your accounting software to reduce manual reconciliation.

• Scale globally without added complexity. Issue physical and virtual cards to employees wherever your business operates, managed from a single dashboard instead of separate logins for each market.

Frequently asked questions (FAQs)

What's the difference between a corporate card and a business credit card in Malaysia?

A corporate card is issued in the company's name and is typically the company's liability — not the cardholder's personal credit. A business credit card is often issued under the business owner's personal credit, with personal guarantees attached. Most cards in this guide are corporate cards, which means the application is underwritten against the business itself.

What is the RM25 service tax on corporate cards in Malaysia?

The RM25 charge is the federal Service Tax that applies to credit and charge cards under Malaysia's Service Tax (Amendment) Act. It's charged annually per principal card and per supplementary card. The tax applies regardless of how much you spend, and applies even on cards advertised with no annual fee. Debit cards like the Airwallex Corporate Card are not subject to this tax.

Can sole proprietors get a corporate card in Malaysia?

Yes, but options are narrower than for Sdn Bhd companies. Some bank-issued cards like the CIMB SME BusinessCard explicitly accept sole proprietorships and partnerships alongside Sdn Bhds and LLPs. Banks will pull your CCRIS and CTOS reports, and the card will typically be issued under personal liability. Fintech debit cards have lower documentation requirements since there's no credit underwriting involved.

What's the easiest corporate card to get approved for in Malaysia?

Debit-based corporate cards are usually the easiest to get because there's no credit check. You fund the card from your business account, then spend up to that balance. Credit-based corporate cards from Malaysian banks require business registration documents, two or more years of trading history, and a clean CCRIS and CTOS record. If your business is new or has limited credit history, a debit card is the most straightforward path.

Do Malaysian corporate cards work overseas?

Yes, any Visa or Mastercard corporate card will work at any merchant or ATM that accepts the network. The cost varies by card. Bank-issued cards charge in ringgit and add a foreign currency markup on top of the network rate, which adds up on consistent overseas spend. A multi-currency card like the Airwallex Corporate Card lets you spend foreign currency directly from a balance you already hold, with no markup added on the card.

Can I get a corporate card without a credit check in Malaysia?

Yes, debit and prepaid corporate cards don't require a credit check. You fund the card upfront, and the available balance becomes your spending limit. This is the typical model for fintech corporate cards in Malaysia. Credit-based corporate cards from banks always involve a CCRIS and CTOS check, and your business will need a documented trading history.

Sources:

1. https://www.maybank2u.com.my/maybank2u/malaysia/en/business/cards/credit_cards/visa_corporate_card.page

2.  https://www.cimb.com.my/en/business/cards/credit-cards/sme-businesscard.html

3.  https://www.business.hsbc.com.my/en-gb/payments/cards/corporate-card

4. https://www.alliancebank.com.my/personal/cards/credit-cards/visa-infinite-business-credit-card

5.  https://www.rhbgroup.com/business/cards/credit-charge-cards/corporate-card-i

6. https://www.ambank.com.my/eng/cards/business-cards/AmBank-Visa-Infinite-Business-Card