Kuhlia malo is a silvery colour with small, round, black spots over its back. The rear margin and lobe tips of the forked caudal fin are black. The upper and lower edges of lobes of the caudal fin are narrowly pale. The central part of the tail is pale with black markings which are parallel with the rays.
Kuhlia malo swim in the middle part of the water and is found mainly in freshwater. They are typically recorded as adults swimming in schools in flowing water and they are commonest in the lower parts of river systems. They move into estuaries to spawn although they are rarely observed in purely marine environments. Following spawning, some of them will remain in the estuaries and others return to freshwater. Kuhlia malo is a very capable disperser.