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Best Online Shopping Credit Cards

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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.

Best Online Shopping Credit Cards

BBazaar's Best Online Shopping Credit Cards of 2019

Updated on 21st January 2019

Here are the Best Online Shopping Credit cards in Malaysia 2019

Updated on 21st January 2019

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Cashback

(Main Benefit)

5% cashback

(Online Shopping Benefit)

Principal card: Waived for life

Supplementary card: Waived for life

(Annual Fee)

Cashback

(Main Benefit)

0.2% to 15% cashback

(Online Shopping Benefit)

Principal card: RM250

Supplementary card: Waived for life

(Annual Fee)

Cashback

(Main Benefit)

1% cashback on local spend

1.5% cashback on overseas spend

(Online Shopping Benefit)

Principal and supplementary card: Waived for life

(Annual Fee)

Cashback

(Main Benefit)

2% cashback

(Online Shopping Benefit)

Principal card: RM30

Supplementary card: RM20

(Annual Fee)

Cashback and Reward Points

(Main Benefit)

6% cashback on online, grocery, and dining expenses

1 VIP Point for every RM1 spent on retail transactions

(Online Shopping Benefit)

Principal card: RM388

Waived for the first year

Subsequent years waiver available on a minimum of 12 swipes in a single year

Supplementary card: RM200

(Annual Fee)

Cashback

(Main Benefit)

3% cash rebate

(Online Shopping Benefit)

Principal card: Waived for life

Supplementary card: Waived for life

(Annual Fee)

Reward Points

(Main Benefit)

8X Reward Points on overseas spend

5X Reward Points on local spend

(Online Shopping Benefit)

Principal card: RM600

Supplementary card: RM300

(Annual Fee)

*Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the new cards and upon card renewal.

PB Quantum Mastercard

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Cashback

(Main Benefit)

5% cashback

(Online Shopping Benefit)

Principal card: Waived for life

Supplementary card: Waived for life

(Annual Fee)

Earn cashback when you use your PB Quantum Mastercard for online spends. You can also use this card to carry out retail transactions and earn reward points. This card is free for life, with no conditions attached!

Key Benefits

  • Earn 5% cashback on online transactions.
  • Earn 5% cashback when you use your card for dining spends.
  • Get 2x VIP Points for overseas retail spends other than dining and online purchases.
  • Get 1x VIP Point for local retail spends other than dining and online purchases.
  • Use the card’s Mastercard PayPass facility to make contactless payments.
  • Enjoy purchase protection when you shop online for items worth USD200 and above.
  • Convert your transactions into convenient monthly instalments for purchases worth RM1,200 and above, using the 0% Flexi-Payment Plan facility.
Additional Points Description
How to Use It
  • Use your PB Quantum Mastercard for online shopping to earn cashback.
  • The cashback will be credited to your account.
  • Use your card for local and overseas spends to earn VIP Points.
  • Redeem the earned VIP Points for a range of lifestyle items, gift vouchers, and air miles.
Good about It
  • This card is free for life.
  • The purchase protection facility covers incomplete delivery, delivery of wrong items, non-delivery of products, and damage of items.
  • The credit limit of the card is two times of the cardholder's monthly income.
Keep in Mind
  • The cashback earned for online purchases and dining spends are capped at RM30.
  • The minimum annual income requirement for this card is RM36,000 p.a.

Who Should Get It

  • Those who use their card to shop online.

Standard Chartered JustOne Platinum Mastercard Credit Card

The Standard Chartered JustOne Platinum Mastercard Credit Card offers you cashback for your online transactions. You also get cashback on petrol purchases and all other retail spends.

Key Benefits

  • Earn up to 15% cashback on online purchases, fuel purchases, and auto bill payments per month.
    • 15% cashback when you spend more than RM2,500.
    • 10% cashback for spends between RM1,500 and RM2,499.99.
    • 5% cashback for spends between RM1,000 and RM1,499.99.
    • 0.2% cashback when you spend less than RM1,000.
  • Earn an additional 0.2% cashback for all other retail transactions.
  • Enjoy a range of discounts and deals from more than 4,000 partnering outlets.
  • Get an annual fee waiver for the first year.
Additional Points Description
How to Use It
  • Use your card to shop online and earn cashback.
  • The cashback will be credited to your account.
Good about It
  • The annual fee of the card is waived for the first year.
  • You can enjoy a high cashback rate on online purchases with this card.
  • You can earn cashback of up to RM1,000 and more in a year.
  • To be eligible for this card, you need to earn just RM24,000 p.a.
Keep in Mind
  • You get 15% cashback only when you spend RM2,500 or more in a month.
  • The cashback for the respective spends comes with the following cashback cap:
    • Spends below RM1,000: RM12.
    • Spends between RM1,000 and RM1,499.99: RM12.
    • Spends between RM1,500 and RM2,499.99: RM28.
    • Spends above RM2,500: RM85.

Who Should Get It

  • Those who use their card for online purchases and fuel transactions.

AEON BiG Visa Classic Card

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Cashback

(Main Benefit)

2% cashback

(Online Shopping Benefit)

Principal card: RM30

Supplementary card: RM20

(Annual Fee)

AEON BiG Visa Classic Card offers both rewards and cashback when you use it for various transactions. It is ideal for those who shop regularly at AEON BiG stores in Malaysia.

Key Benefits

  • Get 2% cashback when you carry out online transactions.
  • Get 5% cashback on every AEON BiG Thank you Member Day (the 28th day of every month).
  • Get 5% cashback for fuel transactions carried out on Sundays.
  • Use Visa payWave and get 5% cashback at AEON BiG stores.
  • Get 2% cashback when you carry out overseas transactions.
  • Get 4 AEON BiG Member Points when you shop at AEON BiG stores on the 10th day of every month.
  • Earn 2 AEON BiG Member Points for every RM1 spent at AEON BiG stores.
  • Earn 1 AEON BiG Member Point for every RM2 spent on all other local and overseas transactions.
  • Enjoy exclusive deals on dining at participating hotels.
  • Make contactless transactions using your card’s Visa payWave facility.
  • Use the Instalment Payment Plan to shop from participating partner outlets at just 0% interest.
  • Use the AEON-Xpress Easy Payment facility to shop from selected outlets at interest rate starting from just 0.50% per month.
  • Get cash instantly from over 1 million ATMs globally.
Additional Points Description
How to Use It
  • Use your card at AEON BiG stores as well as for local and overseas spends to earn cashback.
  • Use your card for local and overseas spends to earn AEON BiG Member Points.
  • Convert your AEON BiG Member Points into cashback and use it the next time you shop at any local AEON BiG stores.
Good about It
  • The minimum annual income requirement is just RM24,000 p.a.
  • The annual fee is waived for the first year.
  • The card comes with an optional Touch ‘n Go Zing Card. Use this card to enjoy faster check-outs.
  • There is no limit when you carry out Visa payWave transactions.
Keep in Mind
  • The cash rebate earned for online transactions is capped at RM25 per month.
  • The cash rebate earned on the AEON BiG Thank You Day is capped at RM100 per month, subject to a total cash rebate of RM50,000 per month.
  • The AEON Member Points are valid for a period of 3 years.

Who Should Get It

  • Those who use their card to shop at any AEON BiG stores.

AmBank TRUE VISA Credit Card

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Cashback

(Main Benefit)

3% cash rebate

(Online Shopping Benefit)

Principal card: Waived for life

Supplementary card: Waived for life

(Annual Fee)

AmBank TRUE VISA Credit Card offers cashback when you use it to carry out online transactions. The card gives you the option to exceed your credit card limit. Also, it is free for life, with no conditions attached.

Key Benefits

  • Earn 3% cash rebate when you use your card for online transactions.
  • Enjoy a retail interest rate as low as 7.99% p.a.
  • Both the principal and the first 3 supplementary cards are free-for-life.
  • Spend more than the maximum assigned credit limit of your card when you use the Excess Limit Service facility.
  • Make insurance premium and utility bill payments using the AutoBillPay facility.
  • Use the Easy Payment Plan facility and enjoy 0% instalment payments on an extensive range of products.
  • If you are a new cardholder, you can enjoy the balance transfer facility at 0% promotional interest rate for up to 1 year.
Additional Points Description
How to Use It
  • Use your AmBank TRUE VISA Credit Card to shop online and earn cashback.
  • The cashback will be credited to your account automatically.
Good about It
  • Earn cashback for all online spends.
  • The minimum annual income requirement of the card is just RM36,000 p.a.
Keep in Mind
  • The cash rebate earned for online purchases is capped at RM30.
  • You won’t earn cashback for retail transactions, charity payments, and government-related payments.

Who Should Get It

  • Those who use their card to shop online.
  • Those who are looking for a credit card that comes with a low-interest rate.

Maybank American Express Cash Back Gold Credit Card

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Cashback

(Main Benefit)

1% cashback on local spend

1.5% cashback on overseas spend

(Online Shopping Benefit)

Principal and supplementary card: Waived for life

(Annual Fee)

The Maybank American Express Cash Back Gold Credit Card will help you save money on all your expenses. You not only get cashback on all your expenditures but you also enjoy other exclusive privileges with this card.

Key Benefits

  • Earn 1% cashback on local expenditure.
  • Earn 1.5% cashback on overseas expenses.
  • Enjoy dining privileges at SPG Hotels & Resorts.
Additional Points Description
How to Use it
  • Use this card for all local and overseas transactions to get maximum cash rebates.
Good About it
  • No cap on cash rebates.
  • 50% saving with two diners at participating merchants.
  • 40% saving with 3 to 10 diners at participating merchants.
  • Annual fee waiver for the first year.
Keep in Mind
  • The cashback is not applicable to transactions at government bodies.
  • Dining discounts are only applicable to participating restaurants associated with SPG Hotels & Resorts.

Who Should Get it?

  • Those looking for cash rebates on all their local and overseas expenditures.

PB Visa Signature Credit Card

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Cashback and Reward Points

(Main Benefit)

6% cashback on online, grocery, and dining expenses

1 VIP Point for every RM1 spent on retail transactions

(Online Shopping Benefit)

Principal card: RM388

Waived for the first year

Subsequent years waiver available on a minimum of 12 swipes in a single year

Supplementary card: RM200

(Annual Fee)

The PB Visa Signature Credit Card rewards you with cashback and VIP Points on all your purchases. Whether you are shopping online, dining out, or buying groceries, you can save money by earning cash rebates.

Key Benefits

  • Earn 6% cashback on online shopping, dining, and grocery expenses.
  • Earn 1 VIP Point for every RM1 spent on other retail transactions.
  • Get complimentary access to any Malaysia Plaza Premium Lounge.

 

Additional Points Description
How to Use it
  • Use this card to earn cashback on all your online transactions.
  • Swipe your card every time you dine out or buy groceries to get cashback.
  • Redeem your VIP Points for AirMiles, gift vouchers, and other products from the rewards redemption catalogue.
Good About it
  • The annual fee is waived for the first year. The annual fee for the subsequent years will also be waived if you swipe your card a minimum of 12 times in a year.
  • Free automatic travel insurance cover of up to RM500,000.
  • Earn maximum rebates when you transact at partnering merchant outlets.
  • 24/7 Signature Help Desk assistance.
Keep in Mind
  • The 6% cashback is capped at RM38 per month.
  • The complimentary Malaysia Plaza Premium Lounge access can only be used twice a year.
  • You will be charged an annual fee of RM388 if you don’t swipe your card at least 12 times during the year.

Who Should Get It?

  • Those who prefer to use their card to make online purchases.
  • Those who use their card for dining out and buying groceries.

HSBC Visa Signature Credit Card

Card Name
Main Benefit
Online Shopping Benefit
Annual Fee
Know More

Reward Points

(Main Benefit)

8X Reward Points on overseas spend

5X Reward Points on local spend

(Online Shopping Benefit)

Principal card: RM600

Supplementary card: RM300

(Annual Fee)

The HSBC Visa Signature Credit Card rewards you for every purchase you make. You get rewards for not only shopping online but also for all other domestic as well as overseas spends. This card also offers you other exclusive privileges and benefits apart from the reward points.

Key Benefits

  • Earn 8X Reward Points on all online spends made in foreign currency.
  • Earn 8X Reward Points on all overseas spends made using this card.
  • Get 5X Rewards Points on local online spends.
  • Get 5X Rewards Points for spending at local malls.
  • Enjoy 1X Reward Points on all other local expenditure made through this card.
Additional Points Description
How to Use it
  • Use your card to make online purchases in foreign currency.
  • Swipe this card for all your overseas expenses.
  • Swipe this card at local malls to earn reward points.
  • Use this card for local online transactions.
  • Redeem the accumulated Reward Points for attractive merchandise.
Good About it
  • Complimentary Plaza Premium Lounge access.
  • Exclusive deals and special discounts at over 6,500 shopping outlets with the SmartPrivileges programme.
Keep in Mind
  • Reward Points awarded at shopping malls are capped at a maximum of 15,000 Points.
  • Reward Points for local expenditure are applicable to transactions with partner merchants only.
  • The complimentary Plaza Premium Lounge access is limited to 6 visits throughout the duration of the programme.

Who Should Get it?

  • Those who make online purchases in foreign currency.
  • Those who use their card for overseas transactions.
  • Those who use their card to make transactions online or at malls locally.

How to Choose the Best Credit Cards for Online Shopping

Online shopping credit cards offer exclusive deals and discounts for online transactions. You can also earn other rewards, such as travel insurance, access to Plaza Premium Lounges, annual fee waiver, and golfing privileges with these cards. You can choose the ideal card based on your monthly spending history.

Keep in mind the categories that you usually spend on the most. Choose a card that offers you the maximum rewards on online purchases and your preferred category.

Another important thing to remember is that you need to read the terms and conditions of each credit card in detail. This way, you’ll be aware of any monthly cap on rewards or rebates and if there are any other additional charges to use the card.

Review

HSBC Visa Signature Credit Card

Out of all the cards listed above, the one that stands out the most is the HSBC Visa Signature Credit Card. This card rewards you for making purchases online in foreign currency and also for spending overseas. You also get reward points for spending locally, both online and at select malls. Along with reward points, this card also comes with various additional features and benefits. You get complimentary Plaza Premium Lounge access and exclusive discounts and deals at partner retail stores.

You can use the points you accumulated to get attractive merchandise from the rewards catalogue. This card will enable you to get more out of the money you spend in foreign currency as well as locally.

Illustration

Let’s assume you have spent a total of RM2,200 for various monthly expenses. A total of RM500 on  online shopping, RM800 for expenses overseas, RM400 at local partner malls, RM300 online with partner merchants, and RM200 at other stores.

The table below explains how many reward points you could earn on these expenses by using the HSBC Visa Signature Credit Card.

Type of Transaction Amount Spent< Reward Points Earned Rewards Calculation Total Reward Points Earned
Online spend in foreign currency RM500 8x 500 x 8 = 4,000 4,000
Overseas expenses RM800 8x 800 x 8 = 6,400 6,400
Local online spends RM300 5x 300 x 5 = 1,500 1,500
Spend at participating local malls RM400 5X 400 x 5 = 2,000 2,000
Others RM200 1x 200 x 1= 200 200
Total RM2,200     14,100

When you use your HSBC Visa Signature Credit Card to spend a total of RM2,200 on various spend categories, you can earn 14,100 reward points. Depending on which category you spend more on, you can even earn more reward points.

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