Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Online Shopping Credit Cards

    There is a range of credit cards that are designed specifically for online shopping enthusiasts. These cards give you a high rate of cashback or rewards points earning with every online transaction. You can boost your monthly savings with these cards and enjoy multiple deals, offers, and privileges associated with online shopping.

    Here are the Best Online Shopping Credit cards in Malaysia 2018

    Updated on 4th September 2018

    Card Name
    Main Benefit
    Online Shopping Benefit
    Annual Fee
    Know More
    Cashback
    0.2% to 15% cashback

    Principal card: RM250

    Waived for the first year

    Waived for subsequent years for a minimum spend of RM20,000 each yea

    Supplementary card: Waived for life

    Rewards Points

    8x Rewards Points with online purchases made in foreign currencies

    Principal card: RM600

    Supplementary card: RM300

    Rewards Points

    5x Bonus Points

    Principal card: Waived for life

    Supplementary card: Waived for life

    Cashback

    10% cashback

    Principal card: RM300

    Supplementary card: RM150

    Reward Points

    Up to 5x reward points

    Principal card: RM200

    Waived for subsequent years on a minimum spend of RM24,000 per annum.

    Supplementary card: Waived for life

    Cashback

    Up to 10% cashback

    Principal card: RM90 Waived for the first year

    Supplementary card: RM30 Waived for 2 years

    Cashback

    2% cashback on online expenses

    Principal card: RM95 Waived for first year Subsequent years fee waived with a minimum of 12 transactions per annum.

    Supplementary card: RM60 Waived for first year Subsequent years fee waived with a minimum of 12 transactions per annum.

    Standard Chartered JustOne Platinum Mastercard

    Standard Chartered JustOne Platinum Mastercard helps you earn cashback on your daily petrol transactions, online purchases, and auto-bill payments.

    Key Benefits

    • Earn up to 15% cashback on online purchases, purchases of petrol, and auto bill payments per month.
    • Earn an additional 0.2% cashback with all other retail transactions.
    • Enjoy a range of privileges and offers at more than 4,000 partnering outlets.
    • Get an annual fee waiver for the first year.
    Additional Points Description
    How to Use It
    • Make online purchases, petrol purchases, and pay bills via standing instructions using your card.
    • Get a cashback transferred in your credit account on a monthly basis depending upon the monthly spend.
    Good about It
    • Annual fee waiver for the first year.
    • High cashback rate for online purchases and purchases of petrol.
    • Cashback of more than RM1,000 per year.
    • Low annual income requirement, i.e. RM24,000.
    Keep in Mind
    • The 15% cashback is applicable only when the monthly spend exceeds RM2,500.
    • Cashback cap is RM85 per month.

    Who Should Get It

    • Those who make purchases online.
    • Those who use their vehicles for daily commute.

    HSBC Visa Signature Credit Card

    HSBC Visa Signature card helps you earn rewards points with a wide array of retail transactions. This includes purchases at malls, purchases made overseas, and online shopping. These points can be used to get vouchers and gifts.

    Key Benefits

    • Earn 8x Rewards Points with the online purchases made using foreign currencies.
    • Earn 5x Rewards Points with all the online transactions carried out using Malaysian Ringgit.
    • Earn 8x Rewards Points when you use your card to make purchases overseas.
    • Get 5x Rewards Points with the purchases completed at local malls.
    • Obtain 1x Rewards Points with all other retail purchases you make using this card.
    • Access Plaza Premium Lounges in Hong Kong, Malaysia, and Singapore 6 times a calendar year.
    • Get exclusive deals and privileges at more than 6,500 outlets under the SmartPrivileges Programme.
    Additional Points Description
    How to Use It
    • Use this card to shop online, overseas, and at a range of participating local malls.
    • Earn Rewards Points with these transactions.
    • Use the points to redeem online vouchers.
    Good about It
    • More Rewards Points with overseas transactions and online shopping.
    • Complimentary Plaza Premium Lounge access.
    • A range of exclusive deals at more than 6,500 outlets.
    Keep in Mind
    • The maximum limit of online voucher redemption is subject to 60,000 Rewards Points.
    • You can earn 5x Rewards Points at only the selected range of malls located in the country.

    Who Should Get It

    • Those who prefer to buy items online.
    • Those who love shopping at malls.
    • Those who travel and make purchase overseas on a regular basis.

    CIMB Visa Infinite

    CIMB Visa Infinite card offers you rewards points on your online purchases. You can also earn rewards for dining and other transactions.

    Key Benefits

    • Earn 5x Bonus Points for every RM1 spent on online purchases.
    • Earn 5x Bonus Points for every RM1 spent on dining expenses.
    • Earn 1x Bonus Points for every RM1 spent on eligible retail purchases.
    • Enjoy 8x complimentary access to Plaza Premium Lounges each year.
    • Get a discount of 50% on dining privileges at selected outlets across Malaysia.
    • Enjoy a complimentary travel insurance coverage of up to RM1 million.
    • Enjoy an annual fee waiver on the principal and the supplementary card.
    Additional Points Description
    How to Use It
    • Use your card for all local and overseas online purchases.
    • Earn rewards points based on the total amount spent each month.
    Good about It
    • Maximum rewards points for online transactions.
    • Complimentary travel insurance.
    • Free access to Plaza Premium Lounges.
    • Lifetime annual fee waiver
    Keep in Mind
    • The annual income requirement is RM120,000.

    Who Should Get It

    • Those who prefer to shop online.
    • Those who travel overseas frequently.

    Hong Leong WISE Platinum

    The Hong Leong WISE Platinum card offers cashback on all online transactions. You can choose online shopping as one of the category and choose another preferred category. Apart from these two, you also will earn cashback on a default category.

    Key Benefits

    • Earn 10% cashback on local and overseas online retail purchases.
    • Choose another category according to your spending need and history.
    • Spend a minimum of RM2,000 each month to earn 10% cashback.
    • Switch categories any time you want according to your preference.
    • Enjoy as high as RM100 as cashback each month.
    Additional Points Description
    How to Use It
    • Use your card for all types of shopping purchases.
    • Pay for any other purchases in the chosen category with this card.
    Good about It
    • High rate of cashback for online shopping.
    • Flexibility to switch and choose categories as per your need.
    • Up to RM100 as cashback each month.
    Keep in Mind
    • The spend requirement for cashback is RM2,000 each month.
    • The annual income requirement is RM60,000.
    • The annual fee for the principal card is RM300.

    Who Should Get It

    • Those who spend frequently on various categories.
    • Those who prefer to shop online due to a busy lifestyle.

    RHB Platinum Credit Card

    Turn all your expenses into reward points with the RHB Platinum Credit Card. You also enjoy exclusive access to a wide range of privileges and benefits.

    Key Benefits

    • 5x Reward Points on dining expenses during your birthday month.
    • 3x Reward Points on dining and overseas retail expenses.
    • 2x Reward Points on utilities, insurance, and shopping expenses.
    • 1x Reward Points on all other retail purchases.
    • Access to golf clubs in Malaysia and discounts on walk-in rates at Plaza Premium Lounges.
    Additional Points Description
    How to Use It
    • Swipe this card to pay for all your online expenses.
    • Use this card to for your local and overseas transactions.
    Good about It
    • Annual fee waiver on a minimum spend of RM24,000 per annum.
    • Automatic travel insurance coverage up to RM600,000.
    • Reward Points redeemable for air miles from over 40 airlines as well as airline vouchers.
    • Preferential exchange rates on major foreign currencies at RHB Bureau-de-Change.
    Keep in Mind
    • Reward Points are not applicable on cash advances, charity, government, or petrol transactions.
    • Reward Points on dining transactions are only eligible for restaurants under the Merchant Category Code (MCC).

    Who Should Get It

    • Those who spend on dining and shopping frequently.
    • Those who enjoy golf and airport lounge privileges.

    UOB YOLO Card

    Enjoy cashback on online shopping, travelling, and dining with the UOB YOLO Card. You also get access to a wide range of promotions and privileges with this card.

    Key Benefits

    • Get up to 8% cashback on online, travel, and dining expenses.
    • Earn high rate cashback of up to RM600 each year.
    • Get access to several promotions, offers, and privileges.
    • Enjoy annual fee waiver for principal and supplementary cards for a certain period.
    Additional Points Description
    How to Use It
    • Swipe this card for all your online, dining, and travelling expenses.
    Good about It
    • Exclusive promotions on Friday and year-long discounts with this card.
    • Annual fee waiver for principal and supplementary cards for the first year.
    • Access to payment plans to clear debts or to make shopping more flexible.
    Keep in Mind
    • You will get 5% cashback with a total of 15 transactions per month.
    • You will receive 8% cashback on a minimum of 16 transactions and above per month.
    • The cashback is capped at RM50 per month.

    Who Should Get It

    • Those who shop online, travel, and dine regularly.
    • Those who enjoy cashback on their purchases.

    AEON BiG Visa Gold Card

    Save money every time you spend on petrol or groceries with the AEON BiG Visa Gold Card. You also receive cashback on other transactions as well.

    Key Benefits

    • 5% cashback on petrol expenses every Sunday.
    • 5% cashback on purchases at AEON BiG Stores everyday.
    • 2% cashback on online and overseas spending.
    Additional Points Description
    How to Use It
    • Use this card at AEON BiG Stores for grocery shopping.
    • Swipe this card for petrol, online, and overseas transactions.
    Good about It
    • You earn 4x AEON BiG Member Points on the 10th of every month at all AEON BiG stores.
    • You get 3x free access to Plaza Premium Lounges.
    • You receive 5% cashback on the 28th of every month, the AEON BiG Thank you Member Day.
    • You enjoy free travel insurance coverage up to RM200,000.
    Keep in Mind
    • 5% cashback on petrol every Sunday is capped at RM25 per month.
    • 2% cashback on online and overseas expenses capped at RM25 every month.

    Who Should Get It

    • Those who shop at AEON BiG Stores regularly.
    • Those who spend on petrol, online or overseas frequently.

    How to Choose the Best Credit Card for Online Shopping?

    An online shopping credit card helps you purchase your desired products without having to visit the store. You can get cashback, discounts, and a range of other benefits with every shopping transaction completed using your online shopping card. A shopping card also offers you a wide array of lifestyle privileges and many promotional offers from time to time.

    To find the card that is suitable for your online purchases, compare the cashback and rewards rate of all available online shopping credit cards. Also take into account the fees and charges of the cards and read the respective terms and conditions carefully.

    If you are interested in other types of card, check the best petrol credit cards and the best shopping credit cards

    BBazaar's Best Online Shopping Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Online Shopping Benefit
    Standard Chartered JustOne Platinum Mastercard

    0.2% to 15% cashback

    HSBC Visa Signature

    8x Rewards Points for foreign currency online purchases

    CIMB Visa Infinite 5x Bonus Points
    Hong Leong WISE Platinum 10% cashback
    RHB Platinum Credit Card

    Up to 5x reward points

    UOB YOLO Card

    Up to 10% cashback

    AEON BiG Visa Gold Card

    2% cashback on online expenses

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