• 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 1st July 2018

    Card Name
    Monthly Spend Requirement
    Online Shopping Benefit
    Annual Fee
    Know More

    Below RM1,000

    RM1,000 to RM1,499

    RM1,500 to RM2,499

    RM2,500 or more

    0.2% cashback

    5% cashback

    10% cashback

    15% cashback

    RM250.

    Annual fee waived for the 1st year.

    -

    8x Rewards Points with online purchases made in foreign currencies

    RM600.

    -

    1% cashback on online shopping

    RM160.

    None

    2% cash rebate on online purchases made in foreign currencies

    Waived for life

    None

    Up to 8% cashback

    RM90 (waived for the first year).

    More than RM3,000

    RM2,001 to RM3,000

    RM1,001 to RM2,000

    Less than RM1,000

    0.3% cashback

    3% cashback

    1.5% cashback

    0.5% cashback

    RM148 (waived for the first 3 years).

    RM500 to RM1,500

    RM1,501 to RM2,500

    RM2,501 or more

    1% cashback

    2% cashback

    5% cashback

    RM70.

    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.

    Mach Credit Card

    Mach Credit Card gives you an option to choose from 3 packages available. You can boost your monthly savings on your choice of retail category. You can also save on the purchases you make online with this card.

    Key Benefits

    • Choose from 3 different packages namely Social package, Trendsetter package, and Savvy Package.
    • Get 1% cashback when you shop online using this card via the following platforms: Lazada, Zalora, Taobao, GEMFIVE, 11street, and many more.
    • Switch the categories any time you want according to your requirements.
    • Get an annual fee waiver if you swipe the card at least 12 times per year.
    Additional Points Description
    How to Use It
    • Choose your category according to your lifestyle requirement.
    • Enhance the savings with cashback earn on the selected categories as well as with other retail purchases.
    Good about It
    • Freedom to choose from 3 different packages.
    • Convenience of switching categories.
    • High cashback with the chosen categories of retail transactions.
    Keep in Mind
    • The maximum cash rebate you can earn per category is RM100 per quarter.
    • The maximum cash rebate you can earn with other purchases is RM50 per month.

    Who Should Get It

    • Those who wish to enhance their monthly savings on a particular type of retail category.
    • Those who want to have a flexibility of choosing retail categories they wish to increase their savings on.
    • Those who prefer to shop online.

    CIMB Cash Rebate Platinum Credit Card

    CIMB Cash Rebate Platinum Credit Card can be used to make in-store as well as online transactions. The card provides you with a cashback with transactions related to petrol, cinema, grocery, online purchases, and bill payments.

    Key Benefits

    • Get a cash rebate as high as 5% with all transactions associated with petrol, grocery, cinema, and utility and mobile bill payments.
    • Earn a 2% cash rebate with all online transactions completed using the card in currencies other than Malaysian Ringgit.
    • Earn 0.2% cash rebate on all other retail transactions.
    • Perform faster checkouts at tolls with a complimentary Touch ‘n Go Zing Card.
    Additional Points Description
    How to Use It
    • Use your card to make transactions related to grocery, petrol, cinema, online shopping, bill payments, and other retail purchases.
    • Earn cash rebates according to the monthly spend.
    Good about It
    • High rate of cashback with petrol, grocery, bill payments, and cinema.
    • Lifetime annual fee waiver.
    • Low minimum salary requirement of RM2,000 per month.
    Keep in Mind
    • 5% cash rebate is applicable only with a monthly spend of RM3,000, or more.
    • For monthly spend of RM3,000 or less, the cash rebate with all transactions related to petrol, cinema, and grocery, and bill payment will be 2%.
    • Cash rebate has a monthly cap of RM30.

    Who Should Get It

    • Those who prefer purchasing online.
    • Those who require petrol for their everyday travel.

    UOB YOLO Card

    UOB YOLO Card is designed keeping the younger generation in mind. The card gives you cashback with a range of retail transactions. It also offers you a number of deals, privileges, and promotions related to lifestyle, dining, shopping, and others.

    Key Benefits

    • Get up to 8% cashback when you use your card to shop online, to pay bills for dining out, and traveling.
    • Benefit from a number of cinema, nightclub, and shopping promotions.
    • Enjoy a cashback of RM10 when you activate your card within the first 60 days of approval.
    • Enjoy annual fee waiver for the first year.
    • Make faster payments with the help of Visa payWave.
    Additional Points Description
    How to Use It
    • Use your UOB YOLO Card for dining, shopping online, and traveling.
    • Get a cashback credited into your account according to the number of transactions performed on the card in a month.
    Good about It
    • Annual fee waiver for the first year for primary card and 2-year annual fee waiver for the supplementary card.
    • Low annual fee of RM90 for the primary card.
    • High rate of cashback with dining, online purchases, and traveling.
    • Low salary required, i.e. RM2,000 per month.
    Keep in Mind
    • Cashback of 8% is applicable with 16 or more transactions per month.
    • The monthly cap on cashback is RM50.

    Who Should Get It

    • Those who dine out on a regular basis.
    • Those who prefer to shop online.

    Alliance You:nique Credit Card

    Alliance You:nique Card earns you cash rebates on all types of retail transactions. The card can be used to perform in-store as well as online retail transactions. Here are the benefits of this card you can enjoy:

    Key Benefits

    • Earn 3% cash rebate when you use this card to perform retail transactions.
    • Earn 2x Timeless Bonus Points (TBPs) on all purchases made using this card.
    • Customise the face of your principal and supplementary card according to your choice.
    • Enjoy a lower rate of finance charges starting from 9% p.a.
    • Enjoy annual fee waiver for the first 3 years.
    • Spend RM5,000 or more, or use your card 12 times or more per year and get an annual fee waiver from 3rd year onwards.
    Additional Points Description
    How to Use It
    • Perform offline and online transactions using this card.
    • Earn cash rebates with every transaction.
    • Earn never-expiring TBPs with all retail transactions.
    Good about It
    • Unlimited cash rebates with all kinds of retail transactions.
    • Low interest rates every year.
    • Never-expiring Timeless Bonus Points.
    • Personalised face card.
    Keep in Mind
    • To get 3% cash rebate, you are required to spend RM2,001 to RM3,000 with this card on a monthly basis.
    • You can get TBPs with all retail transactions except government services and petrol transactions.

    Who Should Get It

    • Those who wish to increase their savings related to offline and online shopping every month.
    • Those who want to select the face of their card according to their own choice.

    RHB Smart Value Credit Card

    RHB Smart Value Credit Card earns you cashback on various retail categories. The card also has a low annual fee and income requirement.

    Key Benefits

    • Earn up to 5% cashback on online transactions, petrol purchases, utility bill payments, and grocery purchases.
    • Get 0.2% cashback with all other retail purchases made using this card.
    • Book your travel tickets using this card and get a complimentary travel insurance of RM100,000.
    • Make instant payments using the contactless payment feature on your card.
    Additional Points Description
    How to Use It
    • Use RHB Smart Value Credit Card to shop online, purchase grocery and petrol, and utility bill payments.
    • Earn cashback with these retail transactions on a monthly basis.
    Good about It
    • High cashback with online purchases, bill payments, and grocery and petrol purchases.
    • Low annual fee of RM70.
    • Income required to own this card is low, i.e. RM24,000 p.a.
    • No cap on the cashback earned with all transactions except online shopping, petrol, grocery, and utility bill payments.
    Keep in Mind
    • Cashback per category per month is RM10.
    • The minimum spend requirement to earn 5% cashback is RM2,500 per month.

    Who Should Get It

    • Those who like to make online purchases.
    • Those who use their own vehicle for daily commute.

    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 Monthly Spend Requirement Online Shopping Benefit
    Standard Chartered JustOne Platinum Mastercard

    Below RM1,000

    RM1,000 to RM1,499

    RM1,500 to RM2,499

    RM2,500 or more

    0.2% cashback

    5% cashback

    10% cashback

    15% cashback

    HSBC Visa Signature

    -

    8x Rewards Points with online purchases made in foreign currencies

    Mach Credit Card - 1% cashback on online shopping
    CIMB Cash Rebate Platinum Credit Card None

    2% cash rebate on online purchases made in foreign currencies

    UOB YOLO Card

    None

    Up to 8% cashback

    Alliance You:nique Card

    More than RM3,000

    RM2,001 to RM3,000

    RM1,001 to RM2,000

    Less than RM1,000

    0.3% cashback

    3% cashback

    1.5% cashback

    0.5% cashback

    RHB Smart Value Credit Card

    RM500 to RM1,500

    RM1,501 to RM2,500

    RM2,501 or more

    1% cashback

    2% cashback

    5% cashback

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