Grab a credit card that gives you better rewards & more!
  • Best Shopping Credit Cards of 2019

    BBazaar Exclusive Deals for Credit Card

    Enjoy a Free PETRON Gift Voucher of RM 400 & Touch 'N' Go Card of RM100

    **Click Here to Check Terms & Condition

    Get a Free PETRON Gift Voucher of RM 200 & Touch 'N' Go Card of RM50

    **Click Here to Check Terms & Condition

    As the name suggests, a shopping credit card offers benefits like reward points and cashback on purchases. In addition, you can also enjoy exclusive deals and discounts at selected merchant outlets in Malaysia and across the world.

    With a shopping credit card, you get access to an array of benefits like rewards points and cashback on purchases. Besides these, you can also enjoy 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.

    Best Credit Cards for Shopping

    BBazaar's Best Shopping Credit Cards of 2019

    Updated on 9th January 2019

    Credit Card Benefits
    HSBC Visa Signature Credit Card

    Up to 8x Reward Points on local and overseas shopping.

    Exclusive offers and deals with the SmartPrivileges Programme.

    RHB Signature Credit Card Cashback on online and store shopping.
    CIMB Tesco Platinum Credit Card Up to 5% cash rebate at Tesco.
    Hong Leong The Store and Pacific Gold Card Up to 6% cash rebate at The Store and Pacific.
    Standard Chartered Visa Platinum Credit Card 5x Rewards Points on department store
    UOB Lady’s Solitaire Card

    10% cashback when shopping from selected shops in Malaysia on Wednesdays and weekends.

    AmBank Visa Infinite Credit Card

    5x AmBonus Points when you spend overseas.

    Here are the Best Shopping Credit Cards in Malaysia 2019

    Updated on 9th January 2019

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    Up to 8x Reward Points on local and overseas shopping.

    Exclusive offers and deals with the SmartPrivileges Programme.

    (Rewards)

    3% upfront interest.

    (Balance Transfer)

    Principal card: RM600 p.a.

    Supplementary card: RM300 p.a.

    ( Annual Fee)

    Cashback on online and store shopping.

    (Rewards)

    7.30% to 10.22% p.a.

    (Balance Transfer)

    Annual fee waived for life for both principal and supplementary cards.

    ( Annual Fee)

    Up to 5% cash rebate at Tesco.

    (Rewards)

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

    (Balance Transfer)

    Annual fee waived for life for both principal and supplementary cards.

    ( Annual Fee)

    Up to 6% cash rebate at The Store and Pacific.

    (Rewards)

    4.99% p.a. to 6.99% p.a.

    (Balance Transfer)

    Principal card: RM150 p.a.

    Supplementary card: RM75 p.a.

    Get the annual fee waived for the first year by swiping your card within 45 days of issuance.

    To have the annual fee waived off for subsequent years, use your card at least 12 times a year.

    ( Annual Fee)

    5x Rewards Points on department store transactions.

    5,000 Rewards Points when you spend a minimum of RM1,500.

    (Rewards)

    5.99% p.a

    (Balance Transfer)

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    ( Annual Fee)

    10% cashback when shopping from selected shops in Malaysia on Wednesdays and weekends.

    (Rewards)

    4% upfront interest in the case of Reducing Balance transfer.

    3.3% to 6% in Fixed-Pay balance transfer

    (Balance Transfer)

    Principal card: RM300

    Supplementary card: RM30

    ( Annual Fee)

    5x AmBonus Points when you spend overseas.

    (Rewards)

    0% p.a. for 12 months (for new customers only). 4.88% p.a.

    (Balance Transfer)

    Principal Card: Waived for life.

    Supplementary Card: Waived for life for the first 3 supplementary cards. RM188 p.a. from the 4th card onwards.

    ( Annual Fee)

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

    HSBC Visa Signature Credit Card

    Make every purchase count with the HSBC Visa Signature Credit Card. This card offers reward points on both stores and online shopping in Malaysia and overseas. You can also enjoy exclusive offers at selected merchant outlets.

    Key Benefits:
    • Earn 8x Reward Points on online transactions made in foreign currency.
    • Get 8x Reward Points on overseas spends.
    • Earn 5x Reward Points on online purchases made in local currency.
    • Earn 5x Reward Points when you shop at selected local malls.
    Additional Points Description
    How to Use It
    • Shop online or at your favourite shopping mall, and pay for your purchases with this card.
    • Earn Reward Points on both local and overseas expenses.
    • Redeem your points for gifts, shopping vouchers, and selected merchandise.
    Good about It
    • Earn 1x Reward Points even after exceeding the capping of 15,000 Additional Reward Points on each spend category.
    • Earn 1x Reward Points on payment of utility bills.
    • Enjoy exclusive privileges with the HSBC home&Away Programme.
    • Convert your big-ticket purchases into convenient monthly instalments with the balance conversion feature.
    • Enjoy 0% interest on balance transfer plan for 6 months.
    • Complimentary access to Plaza Premium Lounge in Malaysia, Hong Kong, and Singapore until 31 December 2018.
    Keep in Mind
    • You have to pay upfront interest of 3% on the balance transfer plan.
    • The minimum income requirement to be eligible for this card is RM72,000 p.a.
    • There is a cap of 15,000 on the number of Reward Points you can earn under each spend category.
    • Reward on local spends is limited to participating malls.

    Who Should Get It

    • Those who prefer to use their card to shop locally and overseas.
    • Those who use their card to shop online.

    RHB Signature Credit Card

    The RHB Signature Credit Card offers rewards and exclusive privileges on different spend categories. Use this card for everyday purchases and overseas transactions to earn cash rebates.

    Key Benefits:
    • Earn up to 6% cashback on various spend categories including store and online shopping.
    • Get cash rebate of up to 2% on overseas transactions and up to 6% on entertainment purchases.
    • Enjoy 5x complimentary access to Plaza Premium Lounge in Malaysia.
    • Enjoy privileges like free internet, food and beverages at selected Plaza Premium Lounges.
    • Annual fee waived for life.
    Additional Points Description
    How to Use It
    • Swipe your card to shop online or at your favourite store.
    • Earn cashback of up to 6% on all your transactions.
    Good about It
    • Earn cashback on online, store, and overseas shopping.
    • Get cash rebates on purchases at Golden Screen Cinemas, TGV Cinemas, and other entertainment partners.
    • Get 25% off walk-in rates at Plaza Premium Lounges after the stipulated 5x complimentary visits.
    • Enjoy 20% discount on Plaza Premium Lounges at selected airports across the world.
    • Get complimentary green fees at golf clubs across Malaysia.
    • Enjoy a discount of 50% on green fees at selected golf courses with the Visa Premium Golf Privileges. The offer is valid until 31 December 2018.
    • Get complimentary travel insurance coverage of up to RM600,000.
    Keep in Mind
    • The cashback you can earn depends on the amount spent.
    • There is a cap on the cash rebate you can earn in each category.
    • Minimum income requirement to be eligible for the RHB Signature Credit Card is RM80,000 p.a.
    • The cashback offer is not applicable to petrol, cash advance, government, and charity transactions.

    Who Should Get It

    • Those who like to pay for their shopping, and other transactions with their credit card.

    CIMB Tesco Platinum Credit Card

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    Up to 5% cash rebate at Tesco.

    (Rewards)

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

    (Balance Transfer)>

    Annual fee waived for life for both principal and supplementary cards.

    ( Annual Fee)

    This credit card from CIMB offers rewards when you shop at Tesco. In addition to cash rebates, you also earn reward points that can be redeemed for gifts, merchandise, and shopping vouchers.

    Key Benefits:
    • Earn up to 5% cash rebate per day when you shop at Tesco.
    • Get Tesco Clubcard Points on your purchases in addition to the cash rebate.
    • Get a complimentary CIMB Tesco Credit Card.
    • Earn reward points on other retail purchases.
    Additional Points Description
    How to Use It
    • Shop at Tesco and pay for your purchases with this card.
    • Earn cashback as well as reward points on each Tesco transaction.
    • Use this card for other retail purchases to earn Tesco Clubcard Points.
    Good about It
    • Annual fee waived for life for both principal and supplementary cards.
    • Earn 1 Tesco Clubcard Point for every RM2 spent at Tesco.
    • Get 1 Tesco Clubcard Point for every RM4 spent on other retail transactions.
    • Enjoy contactless payment with the Tap and Pay feature.
    • Minimum income requirement to be eligible for the CIMB Tesco Platinum Credit Card is RM24,000 p.a.
    • PIN and Pay feature to ensure protection against fraud.
    • Get complimentary CIMB Touch ‘n Go Zing Card with auto-reload features for toll fee payment.
    • Enjoy exclusive deals and offers with the CIMB Credit Card Privileges.
    Keep in Mind
    • There is a cap of RM50 per card per month on the Tesco cashback offer.
    • Cashback of 5% is applicable only if you spend RM3,000 and above per month.
    • Earn 2% cash rebate on monthly spends below RM3,000.
    • Other retail transactions does not include petrol spends.

    Who Should Get It

    • Those who use their card to shop at Tesco regularly.

    Hong Leong The Store and Pacific Gold Card

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    Up to 6% cash rebate at The Store and Pacific.

    (Rewards)

    4.99% p.a. to 6.99% p.a.

    (Balance Transfer)

    Principal card: RM150 p.a.

    Supplementary card: RM75 p.a.

    Get the annual fee waived for the first year by swiping your card within 45 days of issuance.

    To have the annual fee waived off for subsequent years, use your card at least 12 times a year.

    ( Annual Fee)

    This credit card from Hong Leong Bank rewards you for shopping at The Store and Pacific. It allows you to save on your monthly expenses with instant cash rebate redemption.

    Key Benefits:
    • Get up to 6% cashback on retail purchases at The Store and Pacific.
    • Earn 0.6% cash rebate on all other retail purchases.
    • Annual fee is waived when you make at least 1 transaction with this card within 45 days of issuance. Get a waiver on the annual fee for subsequent years with a minimum of 12 transactions per year.
    Additional Points Description
    How to Use It
    • Pay for your purchases at The Store and Pacific outlets to get cashback.
    • Cash rebate will be disbursed in the form of The Store and Pacific gift voucher.
    • Use the gift voucher to offset your next purchase.
    Good about It
    • Earn 0.5% cash rebate on all other purchases except The Store and Pacific transactions.
    • Minimum cashback you can earn on purchases made at The Store and Pacific is 3%.
    • Enjoy 6 or 12 months balance transfer at just 6.99% p.a. for minimum transfer amount of RM1,000.
    • The required minimum annual income for this card is RM24,000.
    • Enjoy special discount on selected items at The Store and Pacific.
    • Take advantage of exclusive offers and discounts at The Store and Pacific Credit Card Special Sale.
    Keep in Mind
    • The 6% cashback offer is applicable only on minimum spend of RM1,500 at The Store and Pacific.
    • Earn 3% cash rebate on The Store and Pacific purchases of RM1,500 and below.

    Who Should Get It

    • Those who prefer to use their card to shop at The Store and Pacific regularly.
    • Those who are looking for a card that offers balance transfer facility at a low interest rate.

    Standard Chartered Visa Platinum Credit Card

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    5x Rewards Points on department store transactions.

    5,000 Rewards Points when you spend a minimum of RM1,500.

    (Rewards)

    5.99% p.a

    (Balance Transfer)

    Principal card: Waived for life.

    Supplementary card: Waived for life.

    ( Annual Fee)

    Enjoy 360o Rewards Points every time you swipe your card for local or overseas transactions.

    Key Benefits of this Card

    • Get 5x Rewards Points when you use either the principal or supplementary card for purchases at department stores, for dining, and overseas.
    • Earn 5,000 Rewards Points when you spend a minimum of RM1,500 every month.
    • Enjoy exclusive shopping and other privileges with the Good Life Privileges Programme.
    • Pay for your shopping bills in easy instalments and low interest rates with the FlexiPay Plus programme.
    • Make secure payments at all shops with the Personal Identification Number (PIN) facility.
    Additional Points Description
    How to Use It
    • Use the Standard Chartered Visa Platinum Credit Card for all your local and overseas transactions.
    • Get 5x Rewards Points when you use the card at department stores.
    • Enjoy 5,000 Rewards Points when you spend RM1,500 every month.
    • Redeem the Reward Points for items, vouchers, and air miles from the 360o Rewards Programme.
    • Get special offers on shopping and save money with the Good Life Privileges Programme.
    Good About It
    • Enjoy 1x Rewards Points when you use the card for local expenses, including shopping.
    • Get a waiver on the annual fee for both principal and supplementary cards.
    • Pay easily at shops with the Samsung Pay contactless payment facility.
    • Get cash whenever you want with the Standard Chartered Cheque-on-Call Plus facility.
    • Pay your credit card bills with the Standard Chartered Balance Transfer programme.
    • Get your card replaced immediately with the Emergency Overseas Card Replacement service.
    Keep in Mind
    • Rewards Points earned due to expenses made with the supplementary card shall be credited to the principal cardholder’s account only.
    • Redemption items are subject to availability.

    Who Should Get It

    • Those who are looking for more shopping rewards with their card.
    • Those who want exclusive privileges with their credit card.

    UOB Lady’s Solitaire Credit Card

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    10% cashback when shopping from selected shops in Malaysia on Wednesdays and weekends.

    (Rewards)

    4% upfront interest in the case of Reducing Balance transfer.

    3.3% to 6% in Fixed-Pay balance transfer

    (Balance Transfer)

    Principal card: RM300

    Supplementary card: RM30

    ( Annual Fee)

    If you love shopping for the latest fashion, this card could be a good choice for you. It offers discounts and other privileges from a number of clothing and lifestyle stores in Malaysia.

    Key Benefits of this Card

    • Enjoy 10% cashback when shop for a minimum of RM800 on Wednesdays and weekends.
    • Get exclusive offers and discounts when you shop from some of the top brands in Malaysia on a Wednesday. The brands include Jurlique, Honestbee, 176 Avenue, Bmic Nail Spa Salon, Hot Gossip, St. Gregory, and Chatz Brasserie.
    • Purchase watches, jewellery, shoes, or bags in easy instalments at 0% interest with the UOB Lady’s LuxePay Plan.
    Additional Points Description
    How to Use It
    • Use the card for luxury, lifestyle, and other purchases.
    • Get 10% cashback when you make purchases on Wednesdays and weekends.
    • Enjoy exclusive offers and benefits at a number of merchants.
    Good About It
    • When you spend within the first 60 days of activation, you will get a Zalora promo code worth RM25.
    • Travel safe with an insurance cover of RM500,000 when you book flight tickets with the card.
    Keep in Mind
    • The 10% cashback is capped at RM80 each month.
    • Annual fees of the card will be waived if you spend a minimum of RM30,000 in a year.
    • Easily pay for your overseas purchases worth RM3,000 or above at zero interest under the 0% Overseas Easi-Payment Plan.

    Who Should Get It

    • Those who want to save more on their luxury purchases with the card.
    • Those who want good travel insurance when booking flight tickets with their card.

    AmBank Visa Infinite Credit Card

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    5x AmBonus Points when you spend overseas.

    (Rewards)

    0% p.a. for 12 months (for new customers only). 4.88% p.a.

    (Balance Transfer)

    Principal Card: Waived for life.

    Supplementary Card: Waived for life for the first 3 supplementary cards. RM188 p.a. from the 4th card onwards.

    ( Annual Fee)

    Every time you shop overseas, the AmBank Visa Infinite Card offers cashback on your transactions. Enjoy a number of golfing and travel privileges as well with the card, making it a good travel partner.

    Key Benefits of this Card

    • Get 5x AmBonus Points on all overseas expenses.
    • Pay for your shopping directly with your AmBonus Points at all participating merchants.
    • Shop to your heart’s content and pay your bills in instalments with the AmFlexi Pay programme.
    • Pay for your shopping bills with no additional interest with the 0% Easy Payment Plan programme.
    • Enjoy complimentary green fees at partnering golf clubs when you use the credit card.
    • Get complimentary lounge access at over 26 major airports, located in Malaysia and overseas.
    • Travel without worry with up to RM2 million insurance when you book tickets with the card.
    • Enjoy 25% discount on dining at all Hilton hotels located in the Asia Pacific region.
    • Get assistance for all card-related issues with the 24-hour Visa Customer Service and Concierge Service.
    Additional Points Description
    How to Use It
    • Spend overseas with the card and earn AmBonus Points.
    • Redeem the points for items, vouchers, and air miles from the bank’s rewards redemption catalogue.
    Good About It
    • Convert the AmBonus Points into air miles for over 50 preferred airline partners.
    • Get 25% discount on entry fees at all other lounges in Malaysia.
    • Enjoy 20% discount on entry fees at all participating lounges located overseas.
    • Get 20% discount on the Easy Cancellation Rate at all Hilton hotels located in the Asia Pacific region.
    • Remember to pay your recurring bills on time by signing up for the AutoBill Pay service.
    • Subscribe to the Excess Limit service and do not pay additional charges when you exceed the limit of the card.
    Keep in Mind
    • Overseas online transactions made with the card are not applicable for rewards points.
    • The dining and cancellation discount offers at Hilton hotels are applicable for existing Hilton Premium Club (HPC) members only.

    Who Should Get It

    • Those who are looking for cashback when making overseas transactions with the card.
    • Those who want travel privileges with their credit card.

    Choose the Best Shopping Card

    Analyse your spending pattern and budget for each month. Compare all 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

    Review

    All the shopping cards mentioned above offer incredible benefits. However, the Maybank 2 Platinum Cards stand out with their offerings.

    With the Maybank 2 Platinum Cards, not only do you get 2 cards with one sign up, you also enjoy a variety of benefits. You can earn reward points as well as cashback on your purchases, and enjoy complimentary travel insurance coverage. Earn 5x TreatsPoints on purchases made using your Maybank 2 American Express Card. The American Express Card also offers 5% cashback on your weekend purchases.

    Earn 1x TreatsPoints on transactions made using the Maybank 2 Mastercard / Visa Card. TreatsPoints can be earned on payment of insurance premiums, utility bills, and more. You also enjoy lifetime waiver on annual fee for both principal and supplementary cards. 

    Illustration

    To understand how Maybank 2 Platinum Cards work, let’s assume you have used the card to carry out transactions worth RM4,000. Take a look at the following table to understand how the rewards and cashback are calculated.

    Transaction Type Amount Spent Rewards/Cashback Earned Rewards/Cashback Total Rewards/Cashback Earned
    Local Purchases (using Maybank 2 American Express Card) RM1,500 5x TreatsPoints RM1,500 x 5x TreatsPoints = 7,500 TreatsPoints 12,200  TreatsPoints and RM50 cashback
    Fuel Purchases RM800 5x TreatsPoints RM800  x 5x TreatsPoints =  4,000 TreatsPoints
    Retail Purchases (using Maybank 2 Mastercard/Visa Card) RM400 1x TreatsPoint RM400  X 1x TreatsPoint = 400 TreatsPoints
    Insurance Payments RM300 1x TreatsPoint RM300 x 1x TreatsPoint = 300 TreatsPoints
    Weekend Spends (using Maybank 2 American Express Card) RM1,000 5% cashback RM1,000 x 5% = RM50

    When you spend RM4,000 for fuel purchases, insurance payments, weekend spends, and other retail purchases, you earn 12,200 TreatsPoints and RM50 cashback. You can redeem the TreatsPoints on lifestyle items, gift vouchers, and air miles.

    Looking for More

    Pick Up the Other Best Credit Card Category You May Like

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.