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  • Best Shopping Credit Cards of 2018

    Shopping Credit Cards

    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.

    Here are the Best Shopping Credit Cards in Malaysia 2018

    Updated on 15th November 2018

    Card Name
    Rewards Programme
    Balance Transfer
    Annual Fee
    Know More

    5% cashback on entertainment and department store transactions

    (Rewards)

    5% cashback on entertainment and department store transactions

    (Balance Transfer)

    Waived for life

    ( Annual Fee)

    10% cashback on two categories of your choice

    (Rewards)

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

    (Balance Transfer)

    Principal card: RM300

    Supplementary card: RM150

    ( Annual Fee)

    10% cashback on Wednesday and weekend fashion purchases

    (Rewards)

    4% upfront interest

    (Balance Transfer)>

    Principal Card: RM68

    Supplementary Card: RM30

    ( Annual Fee)

    Up to 5% cashback on online shopping

    (Rewards)

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

    (Balance Transfer)

    Principal Card: RM70

    Supplementary Card: Waived for life

    ( Annual Fee)

    Up to 15% cashback on auto bill payments, online shopping, and petrol purchases

    (Rewards)

    5.99% p.a.

    (Balance Transfer)

    Principal card: Free for the first year. RM250 p.a. from the second year.

    Subsequent years waiver on a minimum spend of RM20,000 a year.

    Supplementary card: Waived for life.

    ( Annual Fee)

    5x Citi Rewards Points for every RM1 spent at selected departmental stores and supermarkets

    5x Citi Rewards Points for every RM1 spent on overseas purchases

    (Rewards)

    8.99% p.a

    (Balance Transfer)

    Principal card: RM600

    Supplementary card: RM150

    ( Annual Fee)

    5x Treats Points on domestic and overseas retail purchases

    5% cashback on weekend retail purchases

    (Rewards)

    0% to 9% p.a.

    (Balance Transfer)

    Principal card: Waived for life

    Supplementary card: Waived for life

    ( Annual Fee)

    Unlimited 3% cash rebates on retail transactions

    (Rewards)

    6.99% p.a. to 7.99% p.a.

    (Balance Transfer)

    Principal card: RM148

    Supplementary card: RM30

    Waived for the first 3 years

    Waived for subsequent years for a minimum spend of RM5,000 or minimum 12 swipes every year

    ( 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.

    Best Credit Cards for Shopping

    Public Bank Quantum Visa Credit Card

    This credit card comes offers cashback on entertainment and departmentl stores transactions. You can also earn VIP Points on your local and overseas retail spends.

    Key Benefits:

    • Enjoy 5% cashback on transactions made at departmental and entertainment stores.
    • Every other local retail transaction will earn you 1x VIP points.
    • Enjoy 2x VIP points for all other overseas retail expenses.
    • Get an annual fee waiver for life.
    Additional Points Description
    How to Use It
    • Use your card to pay for all local retail transactions, movie tickets, and overseas expenses.
    • Collect VIP points with every transaction.
    • Get cashback with entertainment and departmental store transactions.
    • Redeem your earned VIP points for gift coupons, lifestyle products, air miles, etc.
    Good about It
    • There is no limit on the VIP points you can earn on overseas and local spends.
    • Through the Flexi-Payment Plan, no interest is charged on retail transactions of purchases worth RM1,200 and more.
    • Get protection of up to USD200 for your worldwide online purchases.
    • The World Help Desk offers round-the-clock assistance.
    Keep in Mind
    • The 5% cashback on department store and entertainment expenses is capped at RM30 for each month.
    • The VIP points are valid for 3 years.

    Who Should Get It

    • Those who use their card for transactions at department stores, overseas transactions, and movies.

    Hong Leong WISE Credit Card

    The Hong Leong WISE Credit Card offers cashback on two categories of your choice. You can get up to RM100 cashback every month and also switch the chosen categories whenever you need.

    Key Benefits:

    • Earn 10% cashback on expenses made on your two chosen retail categories, such as groceries, mobile, pharmacies, departmental, petrol, utilities, dining, bookstores, entertainment, and travel.
    • You’ll get mobile as a default bonus category and earn 10% cashback on any mobile-related expenses.
    Additional Points Description
    How to Use It
    • Utilise the card for an array of transactions.
    • Earn cashback for transactions on a number of chosen categories of MCC payments.
    Good about It
    • High cashback for up to 3 categories transactions, based on your convenience.
    • Freedom of switching cashback categories anytime.
    Keep in Mind
    • You can select a maximum of two additional categories along with one default bonus category.
    • You need to make retail transactions of a minimum RM2,000 in a month to be eligible for 10% cashback.
    • The cashback rate is capped at RM100 for every month on your chosen category.

    Who Should Get It

    • Those who swipe their card for retail transactions.

    UOB Lady’s Classic Card

    The UOB Lady’s Card is specially designed for women who love to spend at their favourite department stores.

    Key Benefits:

    • Earn 10% cashback on all your Wednesday and weekend fashion-related expenses.
    • Enjoy easy access to fashion weeks.
    • On your birthday, get rewards in the form of special offers on beauty treatments, etc.
    • Get welcome bonus in the form of gift vouchers if you use the card within 60 days from the date of activation.
    Additional Points Description
    How to Use It
    • Utilise this credit card to pay your shopping and other purchases.
    • Enjoy several promotional offers and deals on the card.
    Good about It
    • Get 0% Easy Payment Plan on your overseas expenditure.
    • Enjoy cashback of up to RM30 when you spend a minimum of RM300 per month.
    Keep in Mind
    • 10% cashback only available at participating merchant outlets.
    • The cashback is capped at RM30 per month.

    Who Should Get It

    • Those who use their card for shopping and travel expenses.

    RHB Islamic Smart Value Credit Card-i

    The card offers you cashback on groceries, petrol, online shopping, and utility bills. The card also comes with a low annual fee of RM70.

    Key Benefits:

    • Depending on your total monthly spend, you can earn up to 5% cashback on online shopping, petrol, grocery, and utility bill payments.
    • All other expenses will earn you 0.2% cashback.
    • Enjoy a travel insurance/Takaful coverage of up to RM100,000 when you travel overseas.
    Additional Points Description
    How to Use It
    • Swipe this card often to pay your shopping and other bills.
    • Use the card more to earn more cashback as the cashback earned is based on the total spend of the month.
    Good about It
    • Get unlimited cashback on your expenses in other categories.
    • Make quick and easy payments using the contactless technology of the card.
    Keep in Mind
    • Maximum cashback per category per month is capped at RM10.
    • The minimum annual income requirement to get this card is RM24,000.

    Who Should Get It

    • Those who spend on online shopping, petrol, grocery, utility bill payment, and other categories often.
    • Those who occasionally travel overseas.

    Standard Chartered JustOne Platinum Mastercard

    Earn more with attractive cashback offers with the Standard Chartered JustOne Platinum Mastercard. It provides attractive privileges and offers on a number of transactions. Let’s have a look at the major features of this card.

    Key Benefits

    • Get up to 15% cashback on auto bill payments, all online purchases and fuel transactions.
    • Get 0.2% cashback for expenses on other categories.
    • No annual fees for the primary card in the first year.
    • Supplementary card has no annual fees for life.
    Additional Points Description
    How to Use It
    • Swipe the Standard Chartered JustOne Platinum Mastercard for online, retail, fuel, and other expenses.
    • Get cashback based on the total amount spent.
    Good about It
    • Up to 15% cashback on a variety of transactions.
    • Get exclusive offers and privileges with many partnering merchants.
    • Discounts and offers at 4,000 outlets of Good Life Privileges across Asia.
    • Get extra cash with the Cheque-On-Call Plus feature.
    • Make easy payments through the Samsung Pay mobile wallet.
    Keep in Mind
    • Auto bill payments include payments for Telco, insurance, and utilities only.
    • Cashback comes at a cap of up to RM85 per month.
    • Annual fee is charged at RM250 after the first year.

    Who Should Get It

    Those looking for attractive offers on online shopping.

    Citi Rewards Card

    The card offers rewards points on domestic and overseas shopping transactions. It also allows you to use your accumulated rewards points to pay for your purchases.

    Key Benefits

    • Earn 5x Citi Rewards Points for every RM1 spent on selected supermarkets and departmental stores.
    • Earn 5x Citi Rewards Points for every RM1 spent on overseas purchases.
    • Earn 1x Citi Rewards Points for every RM1 spent on other categories.
    Additional Points Description
    How to Use It
    • Use your card to pay for any domestic and overseas shopping purchases.
    • Check the list of participating merchant outlets and shop at those outlets.
    Good about It
    • High rate of rewards points for shopping transactions.
    • Conversion of earned rewards points to pay for other purchases.
    • Multiple benefits through World Mastercard privileges.
    Keep in Mind
    • Annual income requirement is RM90,000.
    • Rewards points for departmental stores subject to maximum monthly spend of RM3,000.

    Who Should Get It

    • Those who shop at major departmental stores across Malaysia.

    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.

    Alliance Bank You:nique

    This card offers both rewards points and cashback on your shopping expenses. You can also customise the card with an image of your choice.

    Key Benefits:

    • Earn unlimited 3% cash rebates on all retail expenses.
    • Earn 2x Timeless Bonus Points for every RM1 spent on domestic and overseas retail purchases.
    • Get an annual fee waiver for the first 3 years without any attached conditions.
    Additional Points Description
    How to Use It
    • Use this card to pay for all your domestic and overseas retail transactions.
    • Earn rewards points and cash rebate on your transactions.
    Good about It
    • Unlimited cash rebates.
    • Double rewards points for every spent ringgit.
    • Annual fee waiver for the first 3 years.
    • Customisation facility.
    Keep in Mind
    • No rewards points for petrol or government transactions.
    • Unlimited cash rebates subject to monthly spend between RM2,000 and RM3,000.

    Who Should Get It

    • Those looking for cash rebates and rewards points on retail expenses.

    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 above listed cards offer great benefits and privileges on your shopping expenses. However, RHB Islamic Smart Value Credit Card-i not only comes with a low annual fee, it also offers a cashback of up to 5% on your online purchases with participating merchants.

    You can also earn up to 5% cashback in other categories such as petrol, utility bills, and groceries. You can also enjoy cashback of 0.2% on all other expenditure with the card.

    Illustration

    Here’s an illustration of the cashback earned on the monthly expenses made using RHB Islamic Smart Value Credit Card-i. Consider that you have spent RM6,900 in a month on your card for payments in various categories. Let us see how much cashback you can earn on this expenditure.

    Expenses Category Amount Spent Eligible Cashback Percentage Cashback Cap Cashback Earned Eligible Cashback
    Online Shopping RM3,100 5% RM10 RM155 RM10
    Petrol RM800 5% RM10 RM45 RM10
    Utility Bills RM1,600 5% RM10 RM80 RM10
    Grocery RM900 5% RM10 RM45 RM10
    Other Spends RM500 0.2% Unlimited RM1 RM1
    Total Cashback Earned RM41

    With your RHB Islamic Smart Value Credit Card-i card, on your monthly expenses of RM6,900, you will earn a cashback of RM41 because of the monthly capping.

    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
    Public Bank Quantum Visa Credit Card

    5% cashback on entertainment and department store transactions

    Hong Leong WISE Credit Card 10% cashback on two categories of your choice
    UOB Lady’s Classic Card 10% cashback on Wednesday and weekend fashion purchases
    RHB Islamic Smart Value Credit Card-i Up to 5% cashback on online shopping
    Standard Chartered JustOne Platinum Mastercard Up to 15% cashback on auto bill payments, online shopping, and petrol purchases
    Citi Rewards Card

    5x Citi Rewards Points for every RM1 spent at selected departmental stores and supermarkets

    5x Citi Rewards Points for every RM1 spent on overseas purchases

    Maybank 2 Platinum Cards

    5% cashback on weekend retail purchases

    5x Treats Points on domestic and overseas retail purchases

    Alliance Bank You:nique

    Unlimited 3% cash rebates on retail transactions

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