Credit/debit card success rate: Local banks in Malaysia

The banking sector in Malaysia has unique characteristics influenced by local economic conditions, regulatory frameworks, and customer preferences. We encourage you to carefully review this report before making any transactions via credit or debit card, including Visa, Mastercard, Google Pay, or Apple Pay.

🟢 *** indicates a high success rate and is recommended for use;

🟠 ** signifies that it can be tried, but has a lower success rate;

🔴 * indicates an extremely low success rate and is not recommended for use.

🟢 High success rate (>50%) (***)

Issue Banks in Malaysia	Rating
MALAYAN BANKING BERHAD	***
GX BANK BERHAD	***
PUBLIC BANK BERHAD	***
BIGPAY MALAYSIA SDN. BHD.	***
AMBANK (M) BERHAD	***
WISE PAYMENTS MALAYSIA SDN. BHD.	***
ALLIANCE BANK MALAYSIA BERHAD	***
HSBC BANK MALAYSIA BERHAD	***
AEON CREDIT SERVICE (M) BERHAD	***
BANK MUAMALAT MALAYSIA BERHAD	***
AEON BANK (M) BERHAD	***
HSBC AMANAH MALAYSIA BERHAD	***

🟠 Lower success rate (30%-50%) (**)

Issue Banks in Malaysia	Rating
OCBC BANK (MALAYSIA) BERHAD	**
AFFIN BANK BERHAD	**
AFFIN ISLAMIC BANK BERHAD	**
AMBANK ISLAMIC BERHAD	**
MERCHANTRADE ASIA SDN. BHD.	**
BOOST BANK BERHAD	**
MBSB BANK BERHAD	**
CIMB BANK BERHAD	**
EXIM BANK (TANZANIA), LTD.	**
INSTAPAY TECHNOLOGIES SDN BHD	**
PUBLIC ISLAMIC BANK BERHAD	**
U MOBILE SDN. BHD	**

🔴 Extremely low success rate (<30%) (*)

Issue Banks in Malaysia	Rating
HONG LEONG BANK BERHAD	*
STANDARD CHARTERED BANK MALAYSIA BERHAD	*
RHB BANK BERHAD	*
UNITED OVERSEAS BANK (MALAYSIA) BERHAD	*
UNITED OVERSEAS BANK (MALAYSIA) BHD	*
BANK ISLAM MALAYSIA BERHAD	*
HONG LEONG ISLAMIC BANK BERHAD	*
BANK KERJASAMA RAKYAT MALAYSIA BERHAD	*
AXIATA DIGITAL ECODE SDN. BHD.	*
BANK OF CHINA (MALAYSIA) BERHAD	*
AL RAJHI BANKING & INVESTMENT CORP M BHD	*
BANK SIMPANAN NASIONAL	*
BAYO PAY M SDN BHD	*
U MOBILE SDN BHD	*
BANK PERTANIAN MALAYSIA BERHAD	*