Shopping is a frequent expense most of us incur. Be it the occasional shopper or one who is constantly looking out for the best deal, a shopping credit card can offer you reward points, cashback, or discounts on your shopping expenses.
|RHB Visa Signature||6% cashback on offline and online shopping||15% to 18%||Free|
|CIMB Cash Rebate Gold MasterCard||5% cash rebate on online shopping||15% to 18%||Free|
|Citi Rewards Credit Card||Pay for recent purchases with Rewards points||15% to 18%||RM636|
|UOB Lady’s Classic Card||Shop now and Pay later scheme when you make luxury purchase of price RM2,000 or more at 0% instalments||15% to 18%||RM72.08|
|HSBC Visa Signature Card||5 times Reward Points when you shop online||15% to 18%||RM636|
Q. What is the maximum tenure to repay through instalment plan?
A. The maximum tenure to repay through instalment plan differs with banks. However, it can go up to 36 months.
Q. Is cashback credited instantly on making a purchase with a Shopping Credit Card?
A. Cashback may be credited within two months of making the purchase with a Shopping Credit Card.
Q. How is Cash Advance Fee calculated?
A. A Cash Advance Fee of 5% of the transaction amount or RM15.90, whichever is higher, is considered payable as Cash Advance Fee.
Q. Can I pay the balance transfer amount in instalments?
A. Yes. You can choose to pay the balance transfer amount in monthly instalments.
Q. Are there insurance policies for Shopping Credit Card?
A. Yes. There are insurance policies offered by insurance companies such as Allianz Life Insurance Berhad that pay your outstanding balance on Shopping Credit Card in case of death, total and permanent disability and critical illness.