• Best Shopping Credit Cards of 2018

    Shopping credit cards offer you multiple benefits such as rewards points and cashback on purchases. They also offer exclusive discounts and deals at various merchant outlets across Malaysia and overseas.

    This guide explains the various rewards and others benefits offered by shopping cards. Check all the features and additional benefits as well to see which card is suitable for your shopping needs.

    Here are the Best Shopping Credit Cards in Malaysia 2018

    Updated on 1st July 2018

    Card Name
    Benefits
    Balance Transfer
    Annual Fee
    Know More

    3x AmBonus Points on overseas purchases

    8.89% p.a. to 9.10% p.a.

    Principal card: Waived.

    Supplementary card: Waived for the first 3 cards.

    RM188 from the fourth card onwards.

    Up to 10% SMART$ Rebate when you shop at the participating merchant outlets

    18% p.a.

    The monthly fee of RM6 is waived if you swipe even once per month.

    Up to 5% cashback on online purchases and grocery shopping

    7.30% p.a. to 10.22% p.a.

    Principal card: RM70.

    Supplementary card: Waived.

    Up to 5% cash rebate on Tesco purchases

    5.99% p.a. to 7.99% p.a.

    Principal card: Waived.

    Supplementary card: Waived.

    5x Treats Points on domestic and overseas retail purchases

    5% cashback on weekend retail purchases

    0% to 9% p.a.

    Principal card: Waived for life

    Supplementary card: Waived for life

    5% cashback on AEON store purchases

    2x AEON Member Points for every RM1 spent at AEON stores

    0% 6-month plan

    Principal card: RM30

    Supplementary card: RM20

    Waived for a minimum of 12 transactions every year

    6% cashback on online shopping purchases

    1x VIP Points for every RM1 spent on shopping

    1.5% p.a. to 7% p.a.

    Principal card: RM388

    Supplementary card: RM200

    Waived for the first year

    Waived for subsequent years for a minimum of 12 swipes each year

    Up to 6% cashback on online and retail purchases

    4% p.a. to 10.99% p.a

    Principal card: Waived for life

    Supplementary card: Waived for life

    Up to 15% cashback on online shopping purchases

    5.99% p.a.

    Principal card: RM250

    Waived for the first year

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

    Supplementary card: Waived for life

    Up to 8% cashback on online shopping transactions

    Reducing Balance Rate: 7.77% p.a. to 7.99% p.a.

    Fixed Rate: 3.3% p.a. to 6% p.a.

    Principal card: RM90

    Supplementary card: RM30

    Waived for a minimum of 1 swipe every month

    Best Credit Cards for Shopping

    AmBank Visa Signature Credit Card

    AmBank Visa Signature Credit Card offers special privileges, such as 24-hour concierge service to assist you in planning your trip better and extra reward points on overseas purchases. You don’t have to worry about the repayments. The bank offers you the flexibility of choosing a repayment tenure of up to 24 months at 0% interest rate when you shop at the participating merchant outlets.

    Key Benefits:

    • Get 3x AmBonus Points when you shop overseas.
    • Redeem the accumulated reward points for the item of your choice from the redemption catalogue.
    • Stay secure with the complimentary travel insurance coverage of up to RM1 million.
    Additional Points Description
    How to Use It
    • Use the AmBank Visa Signature Credit Card to pay for your purchases overseas.
    • Earn AmBonus Points for the amount you have spent with the card overseas.
    • Pay for your purchases with the reward points you have collected with the Spot Redemption facility at the participating merchant outlets.
    • Redeem AmBonus Points for air miles at more than 50 airline partners.
    Good about It
    • Enjoy 5 complimentary Plaza Premium Lounge access.
    • Get great discounts on green fees at exclusive golf clubs.
    Keep in Mind
    • The travel insurance coverage is valid only when you charge the complete airfare to your card.

    Who Should Get It

    • Those who shop overseas regularly.
    • Those who travel abroad frequently.

    UOBM VOX Credit Card

    UOB Malaysia (UOBM) offers the VOX Credit Card with a SMART$ Rewards Programme. Unlike other UOBM Credit Cards that reward you with UNIRinggits, the VOX Card comes with SMART$ Rebates. The card is affordable with a minimum annual income requirement of RM24,000. Enjoy many privileges at a low monthly fee of RM6.

    Key Benefits:

    • Earn SMART$ Rebates in addition to cash rebates when you spend with the card.
    • Get 3% SMART$ Rebate when you spend at My Diamond and Timberland.
    • Earn cash rebates when you shop online.
    Additional Points Description
    How to Use It
    • Make payments for your purchases with the UOBM VOX Credit Card.
    • Earn SMART$ Rebates when you purchase at the participating merchant outlets.
    • Earn cash rebates on online spends.
    Good about It
    • Redeem SMART$ Rebate in your next purchase where 1SMART$ is equal to RM1.
    • Make your purchases affordable by enrolling in UOB Easi-Payment Plan at an upfront interest of 2%.
    Keep in Mind
    • The SMART$ earned is valid for a period of 12 months from the date of the transaction.

    Who Should Get It

    • Those who frequently shop at retail and online stores.

    RHB Islamic Smart Value Credit Card-i

    RHB Islamic Smart Value Credit Card-i rewards you with up to 5% cashback on selected spend categories. Get travel benefits in the form of complimentary insurance coverage with the card.

    Key Benefits:

    • Get up to 5% cashback on groceries and online purchases based on the total amount spent in the month.
    • Enjoy a cashback of up to 5% on selected categories, such as petrol and utility bills.
    • On all other retail purchases, you can get a cashback of 0.2%.
    Additional Points Description
    How to Use It
    • Swipe your RHB Islamic Smart Value Credit Card-i when you have to pay for any of your purchases.
    • Earn cashback on the amount you have spent.
    Good about It
    • The cashback of 0.2% on all other retail purchases has no bounds.
    • Get a comprehensive travel takaful coverage of RM100,000 for free when you travel abroad.
    • The contactless payment technology of the card lets you make quicker payments by just waving the card at the contactless terminal.
    Keep in Mind
    • The maximum cashback you can earn on each of the specified categories is RM10.
    • The travel takaful coverage is offered only when you charge the entire airfare to your card.

    Who Should Get It

    • Those who make online shopping regularly.
    • Those who frequently buy groceries.

    CIMB Tesco Platinum Credit Card

    CIMB Bank joins hands with Tesco Store to offer a co-branded credit card, CIMB Tesco Platinum Credit Card. The card provides cash rebates on the amount spent at any Tesco Store and reward points on all purchases you make with the card. The exceptions and other details are given below:

    Key Benefits:

    • Earn 2% cash rebate on Tesco spends if your statement balance is within RM3,000.
    • Earn a cash rebate of 5% on Tesco spends if your statement balance is RM3,000 and above.
    • Accumulate 1 Clubcard Point for every RM2 spent at a Tesco Store.
    • Get 1 Clubcard Point for every RM4 spent on all other transactions.
    Additional Points Description
    How to Use It
    • Use the CIMB Tesco Platinum Credit Card to pay for all your purchases in Tesco Stores and outside.
    • Earn cash rebate and reward points based on your spending patterns.
    Good about It
    • Enjoy the auto-reload convenience on Touch ‘n Go Zing card.
    • The annual fee is waived for life.
    Keep in Mind
    • Cash rebate and Clubcard Points are not awarded when you spend at any petrol kiosks.
    • The cash rebate is capped at RM50 per card per month.

    Who Should Get It

    • Those who shop groceries regularly.
    • Those who are interested in shopping.

    Maybank 2 Platinum Cards

    These cards offer rewards points on all domestic and overseas shopping purchases. They also offer cashback for weekend shopping purchases.

    Key Benefits

    • Earn 5x Treats Points on all domestic and overseas purchases on the American Express card.
    • Earn 1x Treats Points on all domestic and overseas purchases on the Visa/Mastercard.
    • Earn 5% cashback on weekend purchases on the American Express card.
    Additional Points Description
    How to Use It
    • Use the American Express card for all major purchases especially during the weekends.
    • Use the Visa/Mastercard for all other retail purchases.
    Good about It
    • Cashback on weekend purchases.
    • Annual fee waived for life.
    • High rate of rewards points on domestic and overseas shopping expenses.
    Keep in Mind
    • Cap on weekend cashback is RM50 each month.
    • Annual income requirement is RM60,000.

    Who Should Get It

    Those who frequently shop in Malaysia and overseas.

    New AEON Classic

    This card offers rewards points on all AEON store purchases. It also offers exclusive deals on rewards points on particular dates each month.

    Key Benefits

    • Earn 2x AEON Member Points for every RM1 spent at AEON stores across Malaysia throughout the year.
    • Earn 4x AEON Member Points for every RM1 spent at AEON stores on the 10th of every month.
    • Earn 2.5x AEON Member Points for every RM1 spent at AEON stores during the AEON Member Privilege Day.
    • Earn 200 AEON Member Points with minimum spend of RM200 during any AEON Member Fiesta events.
    • Earn 5% cashback on all AEON store purchases on the 20th of every month.
    • Get 100 AEON Member Points for signing up or renewing your AEON member card.
    Additional Points Description
    How to Use It
    • Use your card to shop at any AEON store across Malaysia.
    • Check for the list of AEON events and fiesta to earn extra points and cashback.
    Good about It
    • High rate of rewards points on shopping purchases.
    • Cashback on shopping purchases.
    • Free parking at selected AEON shopping malls for the first 2 hours.
    Keep in Mind
    • Rewards points and cashback applicable only for AEON store purchases.

    Who Should Get It

    • Those who prefer to shop at AEON stores across Malaysia.

    Public Bank Visa Signature

    This card offers cashback and rewards points for domestic and overseas purchases. It also offers complimentary travel insurance of up to RM500,000.

    Key Benefits:

    • Earn 6% cashback on all online retail transactions.
    • Earn 1x VIP Points on all retail expenses.
    Additional Points Description
    How to Use It
    • Use your card for all online and offline shopping purchases.
    • Redeem your rewards points for gift vouchers.
    Good about It
    • Annual fee waiver for the first year.
    • Rewards points and cashback on shopping transactions.
    Keep in Mind
    • Cap for cashback is RM38 every month.
    • Annual fee waiver for 2nd year onwards subject to conditions.

    Who Should Get It

    • Those who prefer to shop online.

    RHB Visa Signature

    This card offers cashback on all shopping purchases. It also offers exclusive deals for online shopping at selected retail outlets across Malaysia.

    Key Benefits:

    • Earn 6% cashback on domestic and online shopping purchases.
    • Earn 2% cashback on overseas shopping purchases.
    • Earn unlimited 0.20% cashback on other retail transactions.
    Additional Points Description
    How to Use It
    • Pay for all your domestic, overseas and online shopping expenses with this card.
    Good about It
    • Cashback on all shopping purchases.
    • Multiple lifestyle and shopping privileges across the world.
    Keep in Mind
    • High rate of cashback applicable for a minimum spend of RM3,500 and above each month.
    • Cashback cap is RM30 on domestic purchases and RM100 on overseas purchases.

    Who Should Get It

    • Those who use their card exclusively for shopping across Malaysia and overseas.

    Standard Chartered JustOne Platinum Mastercard

    This card offers cashback on all your shopping purchases. It also offers exclusive cashback for card activation.

    Key Benefits:

    • Earn up to 15% cashback every month on online shopping purchases.
    • Earn 0.2% cashback on all offline shopping purchases.
    • Get up to RM100 cashback upon activating your card within 45 days from the approval date.
    Additional Points Description
    How to Use It
    • Use your card for all your online shopping purchases.
    • Activate your card within 45 days from the approval date.
    Good about It
    • High rate of cashback on online purchases.
    • Annual fee waiver for the first year.
    Keep in Mind
    • 15% cashback applicable only for minimum spend of RM2,500 or above each month.
    • Cap on cashback is RM85 for minimum spend of RM2,500 or above.

    Who Should Get It

    • Those who use their card mainly to shop online.

    UOB YOLO Card

    This card offers cashback on online shopping purchases. It also offers various health, lifestyle, and travel privileges.

    Key Benefits:

    • Earn up to 8% cashback on all your online shopping purchases.
    • Enjoy exclusive discounts at selected shopping outlets across Malaysia.
    Additional Points Description
    How to Use It
    • Use your card to pay for any online shopping expenses.
    • Check the list of selected merchant outlets, and shop there using your card.
    Good about It
    • High rate of cashback for online purchases.
    • Exclusive discounts at participating merchant outlets across Malaysia.
    Keep in Mind
    • Maximum spend to be eligible for cashback is RM110,000.
    • Cap on cashback is RM50 every month.

    Who Should Get It

    • Those who prefer online shopping.

    Choose the Best Shopping Card

    Analyse your spending pattern and budget for each month. Compare all shopping cards to check for maximum rewards points or a high-rate of cashback. Some cards offer exclusive discounts for selected shopping outlets and malls. Check other discounts, offers, deals and privileges that each card offers.

    Check for cards that offer an annual fee waiver or a low annual fee. Choose a card that suits your shopping needs and fits your monthly budget.

    If you are interested in cards offering special benefits in other categories, check the best balance transfer credit cards and the best no annual fee credit cards.

    BBazaar's Best 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 Benefits
    AmBank Visa Signature Credit Card

    3x AmBonus Points on overseas purchases

    UOBM VOX Card Up to 10% SMART$ Rebate when you shop at the participating merchant outlets
    RHB Islamic Smart Value Credit Card-i Up to 5% cashback on online purchases and grocery shopping
    CIMB Tesco Platinum Credit Card Up to 5% cash rebate on Tesco purchases
    Maybank 2 Platinum Cards 5x Treats Points on domestic and overseas retail purchases
    Public Bank Visa Signature 6% cashback on online shopping purchases
    RHB Visa Signature Up to 6% cashback on online and retail purchase
    Standard Chartered JustOne Platinum Mastercard Up to 15% cashback on online shopping purchases
    UOB YOLO Card Up to 8% cashback on online shopping transactions

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