Congratulations on starting your new job! As a fresh graduate, you may be wondering if you are eligible for a credit card. The good news is that there are a number of credit cards available to fresh graduates, even with a lower salary.
A credit card can be a great way to build your credit history and earn rewards for your spending. However, it is important to choose the right credit card for your needs and to use it responsibly.
5 Best Credit Cards if You Just Started Working with a Salary Below RM3,000 monthly
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Credit Card |
Eligibility |
Key Feature |
Other Benefits |
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Min Salary: RM3,000 |
Up to 6% cashback on digital lifestyle spend like Netflix, Astro, Spotify and more |
Convert any transaction above RM500 into three interest-free instalments, annual fee will be waived with a minimum spend of RM12,000 per year |
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Min Salary: RM2,000 |
Earn up to 10X UNIRM Rewards Points when you spend on groceries, shopping and overseas |
Convert your foreign currency spend into a 0% Interest Plan |
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Min Salary: RM2,000 |
Earn Timeless Bonus Points every time you swipe your card |
0% Balance Transfer for 6 months, annual fee will be waived with a minimum of 12X swipe per year |
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Min Salary: RM2,000 |
Earn up to 5X Shopee Coins on Shopee, Dining, Entertainment & Contactless Payments |
Convert your spend into a 0% payment plan |
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Min Salary: RM2,000 |
Get up to 5% cashback on petrol, groceries, and all other transactions |
Complimentary travel insurance up to RM1 million coverage |
Read More: Simple Tips To Avoid Overspending On Your Credit Card
Tips for choosing the right card for fresh grads
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Understand Your Spending Habits
Analyze your spending patterns to determine your primary expenses. Different credit cards offer various rewards and benefits tailored to specific spending categories like dining, shopping, or entertainment. -
Financial Literacy
Invest time in understanding credit card terms and conditions, including interest rates, fees, and the consequences of missed payments. Responsible credit card use is crucial for your financial well-being.
Related: 9 Types Of Credit Card Charges You Must Know About
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Entry-Level Cards
Some banks offer credit cards specifically designed for entry-level professionals like Standard Chartered Smart Credit Card. Entry-level cards normally have more lenient income requirements and tailored perks.
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Utilize Credit Card Comparison Websites like CompareHero and win exciting sign-up bonuses
CompareHero is an online tool that allows you to compare different credit card options in Malaysia based on your preferences and monthly salary. Many credit cards offer attractive sign-up bonuses, such as cashback, rewards points, travel vouchers, and even physical goods like Apple products and home appliances. By comparing credit cards on CompareHero, you can find the best card for your needs and earn a valuable sign-up bonus.
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Build Credit Responsibly
Responsible credit use can help you qualify for better financial products like house loans in the future.
Learn more: How Credit Cards Can Affect Your Credit Score
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