Shopping Credit Cards

    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.

    Compare Shopping Credit Cards In Malaysia

    Credit Card
    Interest Rate (% p.a.)
    Annual Fee
    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


    Features & Benefits Of Choosing A Shopping Credit Card

    • Shopping Credit Cards can be used locally and overseas.
    • These cards also provide discounts when you use them for other expenses such as entertainment or retail expenses..
    • You can get flight, restaurant and hotel reservation services.
    • The cards offer reward points on other staple categories as well such as groceries, petrol, mobile and utility bill payments, etc.
    • Select cards even offer complimentary travel accident cover when airfare is purchased solely using the card.
    • The cards are packed with value added features such as a balance transfer facility that allows you to transfer outstanding balance accrued on other bank credit cards onto your shopping credit card
    • Shopping credit cards also provide a 0% instalment payment plan that converts larger retail purchases into smaller affordable monthly instalments.


    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.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.