• Best Shopping Credit Cards 2018

    Best Credit Cards for Shopping

    Shopping cards not only help you to enjoy great discounts on shopping but also on dining, grocery, fuel and other retail purchases. Get exclusive shopping deals and discounts across Malaysia and overseas with these cards.

    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 9th May 2018

    Card Name
    Benefits
    Balance Transfer
    Interest Rate
    Annual Fee
    Know More

    5% cash rebate on online purchases

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

    15% p.a. - 18% p.a.

    Waived for life

    5% cash rebate on online shopping transactions

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

    15% p.a. - 18% p.a.

    Waived for life

    5% cashback on weekend purchases 5x TreatsPoints for both local and global shopping expenses

    0% to 9% p.a.

    15% p.a. - 18% p.a.

    Waived for life

    10% cashback on every Wednesday and weekend fashion expenses

    Reducing Balance - 7.77% p.a. to 7.99% p.a. Fixed Pay - 3.3% to 6% p.a.

    15% p.a. - 18% p.a.

    Principal
    card
    RM135.68
    Supplementary
    card
    RM31.80

    5x AmBonus Points for overseas purchases

    0% to 4.88% p.a.

    15% p.a. - 18% p.a.

    Waived for life

    10% SMART$ Rebates

    Reducing Balance - 7.77% p.a. to 7.99% p.a. Fixed Pay - 3.3% to 6% p.a.

    15% p.a. - 18% p.a.

    RM72

    CIMB Cash Rebate Gold Card

    This card offers rebates for shopping transactions.
    • Enjoy 10% cash rebate on the monthly interest payments.
    • Get 5% cash rebate on online shopping purchases.
    Additional Points Description
    How to Use It Use this card to pay for essential purchases, utility bill payments, and online shopping.
    Good about It
    • 2% cash rebate on petrol and groceries.
    • 2% cash rebate on utility and mobile bill payments.
    Keep in Mind
    • Rebate valid for utility and mobile bill payments through standing instructions only.
    • Cap on rebate is RM30 every month.

    Who Should Get It

    • Customers who want to save on utility bill payments, petrol and grocery shopping.
    The CIMB Cash Rebate Gold card provides cash rebates on online shopping, petrol, grocery purchase and utility bill payments. Enjoy low finance charges on outstanding dues without any capping.

    CIMB Cash Rebate Platinum Card

    This card offers cash rebate for shopping and other retail transactions.
    • Get up to 5% cash rebate on grocery shopping, petrol, cinema, mobile and utility bill payments.
    • Get 2% on both online and offline retail purchases using foreign currency.
    Additional Points Description
    How to Use It Use this card t for utility bill payments, online or retail purchases in any foreign currency including Malaysian Ringgit.
    Good about It
    • Low income requirement of RM24,000 p.a.
    • Cash rebate of 0.2% on retail purchases and other online purchases.
    Keep in Mind
    • 5% cash rebate is applicable for minimum spend amount of RM3,000 each month.
    • 2% Cash rebate is capped at RM30 per card monthly.
    • Rebate valid for mobile and utility bill payments via standing instructions only.

    Who Should Get It

    • Customers who are looking for rebates on grocery shopping, utility bill payments, petrol purchase and cinema expenses.

    CIMB Cash Rebate Platinum Credit Card offers rebates on multiple categories including unlimited 0.2% rebate on other retail and online purchases besides getting a 2% rebate on foreign currency purchases.

    Maybank 2 Gold Card

    These cards offer rewards points for shopping and retail purchases.
    • Get 5x Treatspoints for all expenses on Maybank2 American Express Card.
    • Get 1x TreatsPoints for all expenses on your Maybank2 MasterCard/Visa Card.
    • Enjoy up to 50% discount on dining privileges at SPG Hotels & Resorts.
    Additional Points Description
    How to Use It Use this card for making retail purchases, weekend shopping, and on dining.
    Good about It
    • Minimum income requirement is RM30,000 p.a.
    • Available to foreigners with a minimum annual income of RM60,000.
    • 5% cash rebate on weekend purchases.
    Keep in Mind
    • The monthly cap for cash rebate is RM50.
    • Cap is applicable for combined cashback on both principal and supplementary cards.

    Who Should Get It

    • Customers who spend a lot on weekend shopping, dining, and overseas expenditures.

    The Maybank 2 Gold Card allows you to earn points on local and overseas shopping purchases. Enjoy several dining privileges at all the SPG Hotels & Resorts across Malaysia.

    UOB Lady's Platinum Card

    This card offers cashback on shopping transactions.
    • Convert luxury shopping purchases above RM2,000 into 6-month or 12-month instalment plan at 0% interest.
    • Enjoy exclusive discounts and offers on top shopping brands on Wednesdays.
    Additional Points Description
    How to Use It Use this card at all participating outlets to enjoy the discount.
    Good about It
    • Cash rebates on dining and shopping at multiple merchant outlets.
    • Exclusive shopping privileges across Malaysia with this card.
    Keep in Mind
    • Minimum spending requirement for Fashion Ten rebate is RM500.
    • Cap on cashback is RM50.
    • Minimum annual income requirement is RM48,000.

    Who Should Get It

    • Ladies who want various shopping discounts and dining privileges.

    The UOB Lady's Platinum Card is a good shopping tool that offers deals and discounts on designer shoes, bags and jewellery. Easily convert your purchases into a low-interest instalment plan to save more money.

    AmBank Visa Infinite Card

    This card offers rewards points on all overseas shopping expenses.
    • Enjoy up to 50% dining discounts at participating Hilton Hotels in China, Malaysia, and Thailand.
    • Get 10% off on room rates at Hilton hotels across Asia.
    • Convert AmBonus Points to Air Miles with frequent flyer programmes.
    • Redeem free flights with more than 50 airline partners.
    Additional Points Description
    How to Use It Use this card to pay for shopping, dining and accommodation expenses overseas.
    Good about It
    • 0% Easy Payment Plan facility with interest-free instalments up to 24 months.
    • Complimentary travel insurance up to RM2 million.
    Keep in Mind
    • 5x AmBonus Points applicable only for overseas purchases excluding online transactions.
    • Minimum purchase of RM500 to be eligible for the instalment payment plan.
    • Minimum income requirement is RM120,000 p.a.

    Who Should Get It

    • Customers who frequent fly and shop overseas.

    Use the AmBank Visa Infinite card to earn rewards points as well as unlimited lounge access all round the year along with 25% discount for all local lounges and 20% discount for all overseas lounges.

    UOB VOX Visa Card

    This card offers rebates on shopping expenses.
    • Earn 10% rebate for shopping at selected merchant outlets only.
    • Convert purchases of RM1,000 and above into affordable instalments.
    Additional Points Description
    How to Use It Use this card at multiple participating merchant outlets to earn rebates.
    Good about It
    • Low income criteria of RM24,000 p.a.
    • SMART$ rebates earned with every transaction at all participating outlets.
    • Dining discounts at more than 150 outlets across Malaysia.
    Keep in Mind
    • Minimum spend requirement to earn cashback is RM1,000 every month.
    • Annual fee waiver is applicable only for minimum one swipe every month.

    Who Should Get It

    • Customers who want to save on online shopping and retail purchases.

    The UOB VOX Visa Card gives you cash rebates on online and retail shopping along with dining discounts.

    Choose the Best Shopping Card

    Shopping credit cards help you to enhance your savings in form of rewards and cash rebates each time you shop. Compare several cards and choose the one that suits your shopping needs. Check for cards offering maximum rewards for shopping.

    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
    CIMB Cash Rebate Gold

    Online Shopping: 5% cash rebate

    CIMB Cash Rebate Platinum Credit Card Online Shopping: 5% cash rebate
    Maybank 2 Gold Card 5% cashback on weekend purchases 5x TreatsPoints for both local and global shopping expenses
    UOB Lady's Platinum Card 10% cashback on every Wednesday and weekend fashion expenses
    AmBank Visa Infinite 5x AmBonus Points for overseas purchases
    UOB VOX Visa Card 10% SMART$ Rebates

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