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  • 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 4th September 2018

    Card Name
    Benefits
    Balance Transfer
    Annual Fee
    Know More

    Up to 3x AmBonus Points on overseas expenditure.

    Up to 4.88% p.a.

    Waived for life.

    Up to 5% cashback on expenses in entertainment and departmental stores.

    Up to 7% upfront interest charge

    Waived for life.

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

    5.99% p.a.

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

    Supplementary card: Waived for life.

    10% cashback on a number of categories throughout the year

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

    Principal card: RM250

    Supplementary card: RM80

    Unlimited 3% cash rebates on retail transactions

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

    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 yea

    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

    8.99% p.a

    Principal card: RM600

    Supplementary card: RM150

    3x Rewards Points on online shopping purchases

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

    Principal card: RM240

    Supplementary card: RM120

    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

    Best Credit Cards for Shopping

    AmBank Visa Signature Credit Card

    The AmBank Visa Signature Credit Card lets you earn reward points for overseas and local expenses. It also provides frequent flyer miles, golfing privileges, and airport lounge access. Added benefits include an attractive reward points programme with easy redemption options.

    Key Benefits:

    • Earn 3x AmBonus Points on overseas expenses.
    • Earn 1x AmBonus Points on retail expenses.
    • Redeem Airline Miles at over 50 airlines partners.
    • Enjoy 5 complimentary visits to Plaza Premium Lounges in more than 26 international and local airports.
    • Convenient payment for utilities with AutoBill Pay with automatic deductions from the credit card.
    • Up to 24 months of instalment payment for a number of products.
    Additional Points Description
    How to Use It
    • Use your AmBank Visa Signature Credit Card for booking flight tickets, retail expenses, and other overseas and local transactions.

    • Earn AmBank Reward Point for every overseas expenses, and AmBonus Reward Points for other transactions.

    • Spend a minimum of 1,500 AmBonus Points for on-the-spot redemption from one of the participating partners.

    Good about It
    • Complimentary concierge services and access at Plaza Premium Lounges at over 26 airports worldwide.
    • Redeem free flights by converting AmBonus Points with over 50 airline partners.
    • Discounted green fees at a number of premier golf courses across Malaysia.
    Keep in Mind
    • 3x AmBonus Points are not applicable against online expenses and transactions within Malaysia.
    • AmBonus Points are not applicable for transactions at petrol stations and any charity or government-related payments under the MCC category.

    Who Should Get It

    • Frequent flyers who like to shop.

    Public Bank Quantum Visa Credit Card

    Earn cashback and VIP points on a number of entertainment and retail-related spends with the card. You can also enjoy flexibility in payments with monthly payment plan offers.

    Key Benefits:

    • Get 5% cashback on purchases made at departmental and entertainment stores.
    • Get 1x VIP point for all other local retail expenses.
    • Get 2x VIP points for all other overseas retail expenses.
    Additional Points Description
    How to Use It
    • Pay with your Public Bank Quantum Visa Credit Card for all retail, movie ticket, and overseas transactions.
    • Accumulate VIP points with every transaction.
    • Earn cashback with departmental and entertainment store transactions.
    • Redeem VIP points for a variety of gift coupons, lifestyle products, and air miles.
    Good about It
    • No cap on the VIP points earned on overseas and local expenditure.
    • Contactless payment through the Visa PayPass at all outlets with contactless readers.
    • No interest on retail transactions on purchases worth RM1,200 and above through the Flexi-Payment Plan.
    • Round-the-clock assistance through the World Help Desk.
    Keep in Mind
    • The 5% cashback on departmental and entertainment store expenses is capped at RM30 per month.
    • The VIP points are valid for a period of 3 years.

    Who Should Get It

    • Those who spend regularly at departmental stores, overseas transactions and watch movies.

    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 any online, retail, fuel, and other transactions.
    • 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.

    Hong Leong WISE Gold Credit Card

    Get up to RM100 cashback every month on a variety of expenses based on categories chosen by you. The card also allows you to switch categories at any point of time. Read on to know more about the features of the card.

    Key Benefits:

    • Earn 10% cashback on a number of mobile, pharmacies, groceries, petrol, departmental, dining, utilities, bookstores, entertainment, and travel related expenses.
    • Enjoy flexible payment options on retail transactions at 8.99% p.a. for amounts up to RM2,000 with the Flexi Payment Plan (FPP).
    Additional Points Description
    How to Use It
    • Use the card to pay for all local and overseas 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.
    • Flexibility of switching cashback categories anytime.
    Keep in Mind
    • You can select a maximum of only two additional categories along with one default bonus category.
    • Cashback is applicable only when transactions over RM2,000 have been completed in a month.

    Who Should Get It

    • Those looking for a number of added benefits from their monthly expenses.

    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.

    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.

    HSBC Advance Visa Platinum

    This card offers rewards on online shopping transactions. It also offers discounts at more than 6,500 shopping outlets across Malaysia through the SmartPrivileges programme.

    Key Benefits:

    • Earn 3x Rewards Points on all your online shopping purchases.
    • Earn 1x Rewards Points on all other retail purchases.
    • Enjoy exclusive discounts and offers at multiple merchant outlets across Malaysia.
    • Get access to multiple premium privileges through Visa.
    Additional Points Description
    How to Use It
    • Use your card for any domestic and overseas online shopping purchases.
    • Redeem your rewards points for shopping vouchers and discounts.
    Good about It
    • Rewards points for shopping transactions.
    • Exclusive deals and offers via Visa, HSBC Rewards, and SmartPrivileges programmes.
    Keep in Mind
    • Annual fee waiver only for HSBC Advance customers.
    • High rate of rewards points only for online shopping expenses.

    Who Should Get It

    • Those who prefer to shop online.

    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.

    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

    Up to 3x AmBonus Points on overseas expenditure.

    Public Bank Quantum Visa Credit Card Up to 5% cashback on expenses in entertainment and departmental stores.
    Standard Chartered JustOne Platinum Mastercard Up to 15% cashback on auto bill payment, online shopping, and petrol purchases
    Hong Leong WISE Gold Credit Card 10% cashback on a number of categories throughout the year
    Alliance Bank You:nique Unlimited 3% cash rebates on retail transactions
    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

    HSBC Advance Visa Platinum 3x Rewards Points on online shopping purchases
    Maybank 2 Platinum Cards

    5x Treats Points on domestic and overseas retail purchases

    5% cashback on weekend retail purchases

    Looking for More

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