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    Lifestyle Credit Cards

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  • Credit Card BYTES FROM OUR KITCHEN

    Lifestyle Credit Cards

    Lifestyle credit cards are designed to target and improve an individual’s various lifestyle expenditures and reward such expenses through cashback, reward points, select discounts and more. These cards are packed with value added features and give you access to a host of events and establishments such as privileged and exclusive access to international movie screenings, premier lounges, nightlife, golf clubs, concierge services, etc.

    Compare Lifestyle Credit Cards In Malaysia

    Card Name Main Benefits Lifestyle Privileges Annual Fee*
    Maybank Manchester United Visa Infinite
    • 5x TreatsPoints for every RM1 spent overseas.
    • 5x TreatsPoints for every RM1 spent on groceries.
    • Up to 2x TreatsPoints for every RM1 spent locally.
    • 1x TreatsPoint for utility bills and insurance payments.
    • 1x TreatsPoint for petrol transactions.
    • 1x TreatsPoint for payments made at education institutions.
    • 5x TreatsPoints when Manchester United wins a Premier League Match.
    • 10x TreatsPoints for shopping on United Direct Online Megastore (www.manutd.com).
    • 10% discount at Red Cafe, Old Trafford.
    • 20% discount on Manchester United Stadium and museum tour.
    Principal cardholder: RM800. Supplementary cardholder: No charges for the first four cards.
    Alliance Bank You:nique Rebates Card
    • 3% cash rebate when you spend from RM2,001 to RM3,000.
    • 1.50% cash rebate when you spend from RM1,001 to RM2,000.
    • 0.50% cash rebate when you spend up to RM1,000.
    • 0.30% cash rebate when you spend more than RM3,001.
    • Customise your card with your picture or an image of your choice.
    Principal cardholder: RM148. Supplementary cardholder: RM30.
    Mach Credit Card
    • Up to 10% cashback on selected spend categories.
    • 0.2% cash rebate on all other categories.
    • 2% cash rebate for nightlife.
    • 10% cash rebate for movie ticket purchases.
    • 3% cash rebate for music and events.
    Principal cardholder: RM160. Supplementary cardholder: RM80.
    UOB Lady's Solitaire Card
    • 1 UNIRinggit for every RM1 spent locally and overseas.
    • 10% cashback for shopping at retail fashion stores (every Wednesday, Saturday, and Sunday).
    • SMART$ Rebates from participating partner outlets.
    Exclusive offers from retail stores in the country. Principal card: RM300. Supplementary card: RM30.
    Maybank FC Barcelona Visa Signature
    • 10% cashback for all transactions carried out on May and August.
    • 2% cashback for all transactions carried out on all months (except May and August).
    • 10% discount on FCB official online.
    • 5% off items from FCBotiga official store in Camp Nou.
    Principal cardholder: No charges. Supplementary cardholder: No charges.
    UOB YOLO Credit Card for Cashback
    • Up to 8% on online purchases, travel, and dining.
    An array of privileges from participating partner outlets. Principal cardholder: RM90. Supplementary cardholder: RM30.
    Hong Leong I’m Credit Card
    • No mark-up on overseas spends.
    • No annual fee.
    • Personalize your card the way you want.
    Principal cardholder: No charges. Supplementary cardholder: No charges.

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on new cards and upon card renewal.

    Features And Benefits Of Choosing Lifestyle Credit Cards

    • Get access to select nightclubs along with discounts at a range of select pubs and cafes.
    • Get privileged access to airport lounges.
    • Get an opportunity to attend International movie screenings.
    • Get to enjoy discounts and waivers on golfing green fees at select golf clubs around the globe.
    • Enjoy personalised assistance for your travel with Concierge Service.
    • Enjoy fast-track immigration at numerous international airports with select cards such as the Maybank FC Barcelone Visa Signature Card.
    • Get preferential foreign currency exchange rates.
    • Get reward points for your spend on other categories such as groceries, petrol and more.
    • Enjoy complimentary travel insurance when airfare is solely purchased using the card.
    • Reward points earned on select cards have a lifetime validity.
    • Get value added features such as a balance transfer facility which allows you to transfer outstanding dues accrued on other bank credit cards onto your lifestyle credit card and pay it off at a lower rate of interest.
    • Get an instalment payment plan with which you can convert large retail purchases at select merchant outlets into smaller, more affordable monthly instalments of varying tenures.

    How Do Lifestyle Credit Cards Work?

    Most lifestyle cards offer cashback/rewards as well as lifestyle perks. Let’s take the example of Maybank FC Barcelona Visa Signature to understand the working mechanism of lifestyle cards.

    Let’s assume you have used your Maybank FC Barcelona Visa Signature card to carry out transactions worth RM2,700 from mid-July to mid-August. The following table explains the break-up of the transactions:

    Type of Transaction/ Privilege Amount Spent Amount To Be Paid After Cashback Total Cashback Earned
    Retail Purchase Carried Out in July RM1,000 RM980 RM180
    Retail Purchases Carried Out in August RM1,000 RM900
    Transactions Carried Out at FCB Official Online RM500 RM450
    Transactions Carried Out at FCBotiga official store in Camp Nou. RM200 RM190

    When you spend RM2,700, you earn cashback of up to RM180. Which means, you only spend RM2,520 instead of RM2,700 when you shop using your card. Just like this card, other lifestyle credit cards also give exclusive rewards/cashback when used to carry out transactions.

    Reward Schemes/Cashback

    Almost all the lifestyle credit cards come with unique features and benefits. However, the following are common schemes offered by these cards:

    • Rewards or cashback for carrying out retail transactions.
    • Exclusive lifestyle privileges from participating merchants.

    Advantages of Lifestyle Credit Cards

    You can use these cards to enjoy your lifestyle preferences. For instance, while some cards offer perks on nightlife, some offer discounts for retail therapy, while some offer exclusive privileges to football fans of a particular club. Cards like the Mach Credit Card come with three different spend categories you can choose from. You will only be given the option to choose one category and you can switch to another one to suit your ever-changing lifestyle.

    How Do You Choose the Best Lifestyle Credit Card?

    Go through the features offered by different cards and select a card of your choice. For example, if you are a football fan, you can either choose Maybank Manchester United Visa Infinite Credit Card or Maybank FC Barcelona Visa Signature Credit Card (if these are one of your favourite clubs).

    There are cards that offer you cashback for a particular category. For example, Mach Credit Card has three spend categories you can choose from (Social Package, Trendsetter Package, Savvy Package, and other categories). You get lifestyle privileges when you choose the Social Package. However, you have the option to switch to another category whenever you want to. In a nutshell, choose a card that offers maximum returns on your preferred categories.

    How to Make the Most of Your Lifestyle Credit Card

    If you have opted for a lifestyle card that offers you exclusive deals and offers on something you like, use the card to shop for that particular product. Look for promotions and utilise your card wisely to reap maximum benefits.

    Lost Card and Overseas Assistance

    Whether your card has been misplaced or stolen, you must inform your bank immediately. Once the bank is notified, they will block your card and monitor if there were any fraudulent transactions carried out with your card. You can notify the bank by walking into the nearest branch or by dialling the bank’s lost card centre. Once your card is blocked, you will be given a replacement card at a nominal fee.

    Planning a visit overseas? Before your travel, it is advisable to let the bank know of your travel plans. Each bank has a telephone number that takes care of international queries. In case you card doesn’t work overseas or if you have some other card-related query, you can contact on this number. Check the bank’s website for this number and save it before you travel.

    Eligibility Criteria

    Card Name Income Requirement Age Requiremen(Principal cardholder) Age Requirement(Supplementary cardholder)
    Maybank Manchester United Visa Infinite RM120,000 p.a. 21 years 18 years
    Alliance Bank You:nique Rebates Card RM24,000 pa.
    Mach Credit Card RM24,000 pa.
    UOB Lady's Solitaire Card RM100,000 p.a.
    Maybank FC Barcelona Visa Signature RM48,000 p.a.
    UOB YOLO Credit Card for Cashback RM36,000 p.a.
    Hong Leong I’m Credit Card RM24,000 p.a.

     

    Documents Required To Apply For Lifestyle Credit Cards

    Type of Applicant Documents Required
    Salaried Applicants
    • 1 photocopy of MyKad (Malaysians)
    • 1 photocopy of passport(Non-Malaysians)
    • Valid work permit (Non-Malaysians)
    • Letter from employer confirming employment
    • Latest EPF statement
    • Latest payslip
    Self-employed Applicants
    • 1 photocopy of MyKad
    • Latest EPF statement
    • Latest bank statement showing salary credited
    • Business Registration Certificate.

    Promotions

    The following are some of the latest lifestyle credit card offers:

    • Save RM200 at the Templer Park Golf & Country Club with your Maybank card. You need to pay just RM200 per play for the Play 4, Pay 3 Package. To make a booking, call 012-2407018 or 03-60919111. This is an ongoing promotion that is valid until 30 June 2019.
    • Get discounts for treatments from Kunzense/BeauMedic when you pay using your Maybank credit card. The following are the offers:
      • Pay just RM39 for Hydra Collagen Facial Therapy or 5 Steps Thermal Olimax Program instead of RM180. (1 treatment per cardholder).
      • Get 30% savings on facial and slimming packages.

    This is an ongoing promotion that is valid until 30 April 2019.

    • Enjoy up to 60% discount on SG attractions and activities when you use your UOB card to book on Klook. Use the promo code ‘KLOOKUOB18’ on Klook's website or mobile app to get the offer. This is an ongoing promotion that is valid until 31 December 2018.
    • Enjoy attractive discounts at Dorra Slimming Treatments with your Hong Leong Bank credit card. The following are the offers:
      • First-time female customers will get 6 slimming treatments and a product worth RM804. The product includes 2x Tummy Flattening Treatments, 2x Oxy Trimming Treatments, 2x Body Reshaping Treatments, and 1x Fat Burning Cream.
      • All customers get a discount of 10% on treatment packages.

    This is an ongoing promotion that is valid until 31 December 2018.

    Conclusion

    When you choose a lifestyle credit card, you can utilize it to earn rewards/cashback when you carry out retail or online transactions. You also can make use of the lifestyle privileges the card comes with. Compare the cards on the basis of annual fee, promotions, and privileges they offer, and apply accordingly.

    FAQs

    Q. Do all lifestyle credit cards offer cashback/rewards?

    A. Most of the lifestyle credit cards offer cashback/rewards. However, you might come across some cards such as Hong Leong I’m Credit Card, which offers only lifestyle privileges. This is a basic credit card which offers minimum features. You can personalise the card with an image of your choice.

    Q. Can I customise my card?

    A. Not all lifestyle cards come with customisation options. However, cards like Alliance Bank You:nique Rebates Card and Hong Leong I’m Credit Card allow you personalise your card.

    Q. Does the cashback offered by lifestyle credit cards come with a capping?

    A. Yes. Most of the lifestyle cashback cards do come with a capping. For example, when you apply for a Mach Credit Card, you can earn up to RM100 per package every quarter.

    Q. Are the reward points earned on lifestyle cards valid for life?

    A. No. Not all lifestyle cards come with rewards points that are valid for life. For example, the TreatsPoints earned when you carry out transactions using your Maybank Manchester United Visa Infinite Credit Card are valid for three years.

    Q. Are the lifestyle privileges offered for lifestyle cards valid for life?

    A. The lifestyle privileges offered for lifestyle cards are some of the standard features of the card. However, these privileges could change from time to time at the bank’s discretion.

    Q. What is the interest-free period?

    A. A period of 20 days from the date of purchase is called interest-free period where you can repay the bill amount; interest is not charged during this period.

    Q. Can I use a lifestyle credit card to purchase a music concert ticket? Does it offer any benefits?

    A. Yes. You can use a lifestyle credit card to purchase tickets for music concerts. Some banks offer cashback or cash rebate when you spend for such concerts. For example, Hong Leong Mach Visa Card provides 3% cash rebate when you purchase concert tickets at AirAsia RedTix, TicketCharge, TicketPro or any Rock Corner outlets.

    Q. Is it possible to get a Shariah-compliant lifestyle credit card?

    A. You can apply for a lifestyle card that’s Shariah-compliant through an Islamic financial institution. However, these cards only allow halal transactions. So, you won’t be able to use the card for any non-halal transactions such as alcohol spends.

    Q. Are Islamic credit cards limited to people of Muslim faith alone?

    A. No. Any one can apply for an Islamic credit card as long as they wish to stay Shariah-compliant in terms of their transactions.

    Q. Can I get a supplementary card with the lifestyle card?

    A. Yes. You can get a supplementary card with the lifestyle card, if you wish to.

    Q. Can I take a cash advance using a lifestyle credit card?

    A. Yes. You can take a cash advance with a lifestyle credit card. Cash advances made do carry a higher rate of interest and also charge a withdrawal fee.

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