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  • Best Online Shopping Credit Cards

    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 8th November 2018

    Card Name
    Main Benefit
    Online Shopping Benefit
    Annual Fee
    Know More

    Cashback

    (Main Benefit)

    0.2% to 15% cashback

    (Online Shopping Benefit)

    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

    (Annual Fee)

    Cashback

    (Main Benefit)

    2% cashback on online expenses

    (Online Shopping Benefit)

    Principal card: RM95

    Supplementary card: RM60

    (Annual Fee)

    Cashback

    (Main Benefit)

    Up to 2% cash rebate on online purchases

    (Online Shopping Benefit)

    Principal and supplementary card: Waived for life

    (Annual Fee)

    Reward Points/Cashback

    (Main Benefit)

    Up to 5x reward points on all retail spends and 5% cashback on weekend transactions

    (Online Shopping Benefit)

    Principal card: Waived for life

    Supplementary card: Waived for life

    (Annual Fee)

    Cashback

    (Main Benefit)

    Up to 6% cashback on online purchases

    (Online Shopping Benefit)

    Principal and supplementary card: Waived for life

    (Annual Fee)

    Cashback

    (Main Benefit)

    Up to 5% cashback on online shopping transactions

    (Online Shopping Benefit)

    Principal card: RM70

    Supplementary card: Waived for life

    (Annual Fee)

    Cashback

    (Main Benefit)

    Up to 8% cashback on online, travel, and dining expenses

    (Online Shopping Benefit)

    Principal card: RM90

    Supplementary card: RM30

    (Annual Fee)

    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.

    AEON BiG Visa Gold Credit Card

    Save money every time you spend on petrol or groceries with the AEON BiG Visa Gold Credit 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 every day.
    • 2% cashback on online and overseas spending.
    Additional Points Description
    How to Use It
    • Use this card at AEON BiG Stores for grocery shopping.
    • Get cashback 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 on 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 with their card regularly.
    • Those who spend on petrol and online purchases with their card.

    CIMB Cash Rebate Platinum Credit Card

    Shop online or spend on your daily needs with the CIMB Cash Rebate Platinum Credit Card for cash rebates of up to 5%. You also get access to an array of offers and promotions.

    Key Benefits

    • Earn up to 5% cash rebate on cinema, petrol, and grocery expenses.
    • Get up to 5% cash rebate on mobile and utility bill payments via standing instruction.
    • Spend with foreign currencies online or for retail purchases to get 2% cash rebate.
    • Enjoy 0.2% cash rebate on other online and retail expenses.
    Additional Points Description
    How to Use It
    • Swipe this card for all your petrol, grocery, movie, and mobile and utility expenses.
    • Spend online with foreign currencies.
    • Pay for local and overseas retail expenses with this card.
    Good about It
    • Unlimited cash rebate on other retail and online expenses.
    • Low annual income requirement of RM24,000.
    • Annual fee waiver for principal and supplementary cards.
    • Access to Touch ‘n Go Zing Card with auto-reload facility.
    Keep in Mind
    • 5% cash rebate on a statement balance of RM3,000 and above.
    • 2% cash rebate for a statement balance that’s below RM3,000.
    • Cash rebate capped at RM30 per month per card.

    Who Should Get It

    • Those who spend online frequently.
    • Those who spend on petrol, groceries, and entertainment.

    Maybank 2 Gold Cards

    The Maybank 2 Gold Cards are an exception on this list in the sense that it offers the best of both worlds – rewards and rebates. For starters, you get two cards—the Maybank 2 American Express Gold Credit Card and the Maybank 2 Mastercard/Visa Gold Credit Card—with a single sign-up process and a single statement.

    Key Benefits

    • Get 5x TreatsPoints for every RM1 spent with the Maybank 2 American Express Gold Card.
    • Get 1x TreatsPoints for every RM1 spent with the Maybank 2 Mastercard/Visa Gold Card.
    • Earn 5% cashback on retail purchases made during weekends with the Maybank 2 American Express Gold Card.
    • Enjoy exclusive dining privileges at participating SPG Hotels & Resorts in Malaysia.
    Additional Points Description
    How to Use It
    • Use this credit card for all types of retail purchases to earn maximum rewards.
    • Charge the Maybank 2 American Express Gold Card with all your online shopping and other retail expenses on weekends to earn maximum cashback.
    Good about It
    • High rate of cashback for retail spends made on weekends.
    • Redeem TreatsPoints for lifestyle products, gift vouchers, and air miles of participating frequent flyer programmes.
    • Get up to RM50 as weekend cashback every month.
    • Annual fee for the principal and supplementary credit card is waived for life.
    Keep in Mind
    • The annual income requirement is RM30,000.
    • Earn 1x TreatsPoints on educational institution, insurance, utilities, petrol, and EzyPay transactions.

    Who Should Get It

    • Those who wish to save on various retail expenses by earning multiple rewards and rebates.

    RHB Signature Credit Card

    The RHB Signature Credit Card lets you turn all your retail expenses—local and overseas—into cash rebates. All online transactions made with this card at participating merchants are also eligible for rebates of up to 6%.

    Key Benefits

    • Earn up to 6% cashback on online, entertainment, and shopping expenses.
    • Earn up to 2% cashback on overseas retail expenses.
    • Get 0.2% unlimited cashback on all other transactions.
    • Enjoy 5x complimentary access to Plaza Premium Lounges in Malaysia.
    • Complimentary golfing green fees at partnering golf clubs across Malaysia.
    • Get preferred rates when you exchange major foreign currencies at the RHB Bureau-de-Change.
    Additional Points Description
    How to Use It
    • Swipe this card to pay for all your online expenses.
    • Use this card for all local and overseas retail transactions.
    Good about It
    • Annual fee for the principal and the supplementary card is waived for life.
    • Travel worry-free with a travel insurance coverage up to RM600,000.
    • Get all the help you want by dialling RHB Signature Priority Line.
    • You can enjoy Visa International Concierge Services.
    Keep in Mind
    • 6% rebate on local transactions is applicable when your monthly spend is greater than RM3,500.
    • 2% rebate is applicable when monthly spend is between RM2,500 and RM3,499.
    • The cashback rate drops to 1% when your monthly spend is between RM1,000 and RM2,499.
    • 2% rebate on overseas transactions is applicable when your monthly spend is greater than RM3,500.
    • Cashback for local spends is capped at RM30 per month whereas that for overseas spends is capped at RM100 per month.

    Who Should Get It

    • Those who spend on online purchases, entertainment, and shopping frequently.
    • Those who enjoy golf and airport lounge privileges.

    RHB Smart Value Credit Card-i

    The RHB Smart Value Credit Card-i is the only option on this list that follows Islamic banking principles. You can enjoy cashback on online shopping, utility bill, petrol, and grocery expenses with this card. You also get complimentary takaful cover for your entire family with this card.

    Key Benefits

    • Get up to 5% cashback on online, petrol, grocery, and utility bill expenses.
    • Earn 0.2% unlimited cashback on all other transactions.
    Additional Points Description
    How to Use It
    • Swipe this card for all your online, petrol, grocery, and utility bill spends.
    Good about It
    • Complimentary travel insurance or takaful coverage up to RM100,000 for you, your spouse, and your children whenever you travel overseas.
    • Annual fee for the supplementary card is waived for life.
    • Access to contactless payment technology for increased convenience.
    Keep in Mind
    • 5% rebate on eligible spends is applicable when your monthly spend is greater than RM2,500.
    • 2% rebate is applicable when your monthly spend is between RM1,501 and RM2,500.
    • The cashback rate drops to 1% when your monthly spend is between RM500 and RM1,500.
    • The total cashback amount for each spending category is capped at RM10 per month.

    Who Should Get It

    • Those who wish to save on online shopping, petrol, groceries, and utility bills.
    • Those who enjoy cashback on their purchases.

    UOB YOLO Credit Card

    The UOB Yolo Credit Card rewards you for leading a lifestyle that you adore and enjoy. Whether you’re shopping online, dining out, or heading out of the country for business or pleasure, this credit card lets you earn rebates of up to 8%.

    Key Benefits

    • Earn up to 8% cashback on online shopping, dining, and travel expenses.
    • Enjoy fantastic offers on Fridays at participating merchants, including GSC and Shopback.
    • Get exclusive deals and privileges across multiple categories, such as dining, retail, health, beauty, travel, and lifestyle.
    Additional Points Description
    How to Use It
    • Use this card to shop online, when you travel, and whenever you dine out with family or friends to earn maximum rebates.
    Good about It
    • Get a complimentary 7-day membership with in-body analysis worth RM249 at all participating Celebrity Fitness clubs.
    • Earn maximum rebates when you transact at partnering merchant outlets.
    • Convenient payment options with Visa payWave and Visa Checkout.
    Keep in Mind
    • To earn 8% cashback, the total number of transactions fulfilled in a calendar month should be 16 or more.
    • If the number of transactions is less than 16 but more than 8, you will earn 5% rebate.
    • The monthly rebate amount you can earn with this card is limited to RM50.

    Who Should Get It

    • Those who prefer to make online purchases with their card.
    • Those who use their card while shopping overseas.

    How to Choose the Best Credit Card 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.

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

    Review

    When you consider all the online shopping credit cards listed above, cashback cards seem like the most viable optionout there. The biggest reason for this being you can save a substantial amount of money on all your retail expenses if you choose the right card. But, what if you could have a card that lets you earn rebates as well as reward points?

    On these lines, the card that stands out on this list is the Maybank 2 Gold Cards. You can earn up to RM50 as cashback with this card when you use the American Express variant for eligible retail transactions on weekends. You can also earn 5x TreatsPoints on all retail spends made with this card.

    To top it off, the other variant of this card—the Maybank 2 Mastercard/Visa Gold Card—lets you earn 1x TreatsPoints for every RM1 spent.

    Illustration

    Wondering how you can earn rewards and rebates on your daily spends with the Maybank 2 Gold Cards? Take a look at the table below:

    Name of the Card Retail Expenses Made on Weekdays Retail Expenses Made on Weekends Cashback Amount Earned Reward Points Earned
    Maybank 2 American Express Gold Card RM200 RM70 RM3.5 1000
    RM475 RM900 RM45 2,375
    Maybank 2 Mastercard/Visa Gold Card RM600 RM670 RM0 1,270
    RM350 RM850 RM0 1,200

    To make the most of your online shopping credit card, it’s important that you know what it takes to earn the maximum amount of cashback every month. Once you’ve figured this out, just make sure that your credit card is your preferred payment option wherever you go to reap the greatest rewards.

    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

    AEON BiG Visa Gold Credit Card

    2% cashback on online expenses

    CIMB Cash Rebate Platinum Credit Card Up to 2% cash rebate on online purchases
    Maybank 2 Gold Cards Up to 5x reward points on all retail spends and 5% cashback on weekend transactions
    RHB Signature Credit Card

    Up to 6% cashback on online purchases

    RHB Smart Value Credit Card-i

    Up to 10% cashback

    UOB YOLO Credit Card

    Up to 8% cashback on online, travel, and dining expenses

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