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    Shopping Credit Cards

    Splurge on your favourite fashion brands and get rewarded for these expenditures. Sounds too good to be true? It’s possible with a shopping credit card. We’ve curated a list of the best shopping cards in Malaysia below. Just compare and apply!

    We found 10 Shopping Credit Cards
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM500 IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    RM200 Lazada Voucher or IKEA Gift Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal
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    Credit Card BYTES FROM OUR KITCHEN

    BBazaar Exclusive Deals for Credit Card

    Gift Card Worth RM200 from either Ikea or Lazada

    *Click Here to Check Terms & Condition

    Ikea voucher worth RM500

    **Click Here to Check Terms & Condition

    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.

    Save more on your favourite brands with shopping credit cards. With these cards, you can earn cashback, rewards on your transactions, and enjoy Mastercard/Visa privileges locally and overseas. While some cards offer cashback/rewards for retail spends, you will also come across a few, which offer perks when you shop online.

    Compare Shopping Credit Cards in Malaysia

     

    Card Name Cashback/Reward Points Earned Shopping Benefit of the card Annual Fee*
    AmBank Cosway Gold Mastercard
    • 1 Cosway Point for every RM1 spent locally.
    • 1 Cosway Point for every RM1 spent overseas.
    • 3x Cosway Points for spends at Cosway.
    Principal card: No charges. Supplementary card: No charges for the first three cards. RM75 from the 4th card onwards.
    CIMB Tesco Platinum Credit Card
    • 1 Tesco Clubcard Point for every RM4 spent on other retail transactions.
    • 5% cash rebate for Tesco spends when your statement balance above RM3,000.
    • 2% cash rebate for Tesco spends when your statement balance below RM3,000.
    • 1 extra Tesco Clubcard Point for every RM2 spent at Tesco.
    Principal card: No charges. Supplementary card: No charges.
    AEON BiG Visa Classic Card
    • 5% cashback for petrol purchases every Sunday.
    • 2% cashback for online and overseas purchases.
    • 1 AEON BiG Member Point for every RM2 spent on all other local purchases and overseas transactions.
    • 5% cashback at AEON BiG Stores when you use Visa payWave.
    • 5% cashback on the AEON BiG Thank you Member Day (28th of every month).
    • 2 AEON BiG Member Points for every RM1 spent at AEON BiG Stores.
    • Get 4 AEON BiG Member Points on the 10th of every month at any AEON BiG Stores.
    Principal card: RM30. Supplementary card: RM20.
    Hong Leong The Store and Pacific Platinum Mastercard
    • 0.5% cash rebate on all retail spends apart from spends at The Store & Pacific.
    • 3% cash rebate for spends worth RM1,500 and below at The Store & Pacific.
    • 6% cash rebate on spends worth RM1,500 and above at The Store & Pacific.
    Principal card: RM300. Supplementary card: RM150.
    RHB Smart Value Card
    • Up to 5% cashback on utility bill payment, groceries, and petrol purchases.
    • 0.2% cashback for all other retail spends.
    • 5% cashback on online shopping if your total monthly spend is RM2,500 and above.
    • 2% cashback on online shopping if your total monthly spend is from RM1,501 to RM2,500.
    • 1% cashback on online shopping if your total monthly spend is from RM500 to RM1,500.
    Principal card: RM70. Supplementary card: No charges.
    UOB Lady's Solitaire Card
    • 1 UNIRinggit for every RM1 spent locally and overseas.
    • SMART$ Rebates from participating partner outlets.
    10% cashback for shopping at retail fashion stores (every Wednesday, Saturday, and Sunday). Principal card: RM300. Supplementary card: RM30.
    PB Quantum Mastercard
    • 5% cashback for dining.
    • 1x VIP Point for other local retail spends.
    • 2x VIP Points for other overseas retail spends.
    • 5% cashback for online transactions.
    Principal card: No charges. Supplementary card: No charges.
    Maybank 2 Platinum Cards
    • 1x TreatsPoint for payments made at educational institutions.
    • 1x TreatsPoint for insurance payments.
    • 1x TreatsPoint for utility bill payment.
    • 5x TreatsPoints for petrol purchases.
    • 5x TreatsPoints for retail spends made on Maybank 2 American Express Card.
    • 5% cashback earned every weekend on Maybank 2 American Express Card.
    • 1x TreatsPoint for retail spends made on Maybank 2 Mastercard/Visa Card.
    Principal card: No charges. Supplementary card: No charges.

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

    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.

    How Do Shopping Credit Cards Work?

    To understand how shopping cards work, let’s take the example of AmBank Cosway Gold Mastercard. Let’s say you have carried out transactions worth RM3,000 using your AmBank Cosway Gold Mastercard. The following table explains the break-up of the purchases.

    Type of Transaction Amount Spent Rewards Earned Total Cosway Points Accumulated
    Purchases Made at Cosway Stores RM1,200 3,600 Cosway Points 6,200 Cosway Points
    Purchases Made at Cosway Pharmacies RM400 1,200 Cosway Points
    Local Retail Purchases RM400 400 Cosway Points
    Overseas Retail Purchases RM1,000 1,000 Cosway Points

    When you carry out transactions worth RM3,000, you earn 6,200 Cosway Points. You can redeem these points on anything on-the-spot at any of the 850 Cosway Stores, Cosway Pharmacies, and Country Farm Organic Stores. When you make use of the points on items you need, you save a lot of money in the long run. You can choose from a range of lifestyle products and even gift vouchers when you shop at Cosway.

    Reward Schemes/Cashback

    Most retail and online shopping credit cards offer the following rewards and cashback schemes:

    • Either cash rebates or rewards or both for local and overseas spends.
    • Shopping privileges from participating merchant outlets.

    Advantages of Shopping Credit Cards

    Shopping credit cards are ideal for those who shop at retail or online stores frequently. When you shop using a shopping credit card, you earn either rewards or cashback. You can make use of the rewards you earn from shopping by redeeming it on other items you may need. If you have a shopping card that offers cashback, you can save a lot every month.

    How Do You Choose the Best Shopping Credit Card?

    While selecting a shopping card, you need to compare and check which credit card you can make the best use of. Check the perks offered when you carry out transactions for retail and online shopping. You also need to check the rewards you will be earning if it is a shopping rewards card. If you feel you need minimum points to redeem exclusive gift items and vouchers, you can opt for a shopping rewards card. If you want a cashback shopping card, check the card which provides the highest cashback as well as other features they provide.

    How To Make The Most Of Your Shopping Credit Card

    You can make the most of your card when you use your card to shop at retail or online stores. Additionally, you must also check your card’s ongoing offers and make use of these offers as well.

    Lost Card and Overseas Assistance

    In case you have lost your shopping credit card, you don’t have to worry. You just have to notify the bank as soon as you can, so that they can block your card from any fraudulent transactions. You can also walk into the nearest branch and request to get your card blocked. The bank will issue you a replacement card at a nominal fee. Some banks also have the option to report a lost card on their websites.

    Most banks have a contact number for international expenses. If you have plans of travelling abroad, you need to contact the bank in advance and let them know of your travel plans. When overseas, if you face any issues with your card, you can contact this number and a bank representative will assist you.

    Eligibility Criteria

    Card Name Income Requirement Age Requirement(Principal card holder) Age Requirement(Supplementary card holder)
    AmBank Cosway Gold Mastercard RM24,000 p.a. 21 years 18 years
    CIMB Tesco Platinum Credit Card RM24,000 p.a.
    AEON BiG Visa Classic Card RM24,000 p.a.
    Hong Leong The Store and Pacific Platinum Mastercard RM60,000 p.a.
    RHB Smart Value Card RM24,000 p.a.
    UOB Lady's Solitaire Card RM100,000 p.a.
    PB Quantum Mastercard RM36,000 p.a.
    Maybank 2 Platinum Cards RM60,000 p.a.

    Documents Required To Apply For Shopping Credit Cards

    Type of Applicant Documents Required
    Salaried Professionals
    • 1 MyKad copy
    • Latest salary slips (3 months)
    • Letter from employer confirming employment
    • Latest EPF statement
    Self-employed Individuals
    • 1 photocopy of MyKad
    • Latest EPF statement
    • Latest bank statement
    • Business Registration Certificate.
    Expatriates
    • 1 passport copy
    • Valid work permit
    • Letter from employer confirming employment

    Promotions

    • Get a discount of 10% when you spend a minimum of RM500 and above at Eyeplus Eyecare Trading with your AmBank credit card. This is an ongoing promotion that is valid until 28 February 2019. The offer is only valid when you make the purchase in a single receipt.
    • Buy two pairs of shoes from the new United Nude store at The Gardens Mall and get the third pair at just RM310. This is an ongoing promotion that is valid until 30 November 2018, only for Maybank cards.
    • Enjoy cashback when you shop at selected stores using your Public Bank credit card. This is an ongoing promotion that is valid until 31 December 2018. The following are the offers:
      • Get up to 12% cashback when you shop on Lazada.
      • Get up to 13% cashback when you shop on 11 Street.
      • Enjoy up to 12% cashback for selected items on Taobao.com.
    • Use the promo code ‘YVES25’ and get a discount of 25% when you make a minimum purchase of RM180 at Yves Rocher France using your UOB card. This is an ongoing promotion that is valid until 31 December 2018.

    Conclusion

    If you are a shopaholic, a shopping credit card is ideal for you. You get rewards, cashback, and a number of benefits on your transactions. Before choosing a card randomly, compare the cards and check which one is suitable for your daily requirements. You can also take a look at some of the shopping promotions offered by banks in Malaysia.

    FAQs

    Q. Are there shopping cards that offer both rewards points and cashback?

    A. Though shopping cards usually offer either rewards or cashback, there are cards that offer both. For instance, CIMB Tesco Platinum Credit Card offers cash rebate for Tesco spends and Tesco Clubcard Points when you carry out local and retail transactions other than Tesco spends.

    Q. Do the rewards earned on shopping credit cards come with a validity?

    A. Yes. Most credit cards come with a validity of three years. All unused rewards will be forfeited after three years. Your credit card statement will mention the balance points you have.

    Q. Do the cashback earned on shopping cards come with a capping?

    A. Most of the cashback shopping cards come with a capping. For instance, the 5% cashback earned for carrying out online transactions with a PB Quantum Mastercard is capped at RM30 per month.

    Q. Do all shopping credit cards come with shopping promotions?

    A. The banks which offer shopping credit cards roll out shopping promotions every now and then. You will find these promotions on the respective bank’s promotion page.

    Q. What other perks do shopping credit cards offer?

    A. Most of the features and benefits of shopping credit cards are unique. While some offer travel insurance, some offer discounts when you use them at participating merchant outlets.

    Q. What is the maximum tenure to repay through the 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.

    *Terms & Condition to get Gift Card Worth RM200 from Lazada or Ikea

    Apply for your new credit card through BBazaar and stand a chance to win a gift voucher on approval. You can get a gift card worth RM200 from either Ikea or Lazada. The offer is valid on credit card applications made between 19 December 2018 and 31 January 2019, and applies to any of the following cards.

    Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
    • Alliance Bank You:nique Rebate Credit Card
    • Alliance Bank You:nique Rewards Credit Card
    • Alliance Bank You:nique Rates Credit Card
    • Citi Cash Back Card
    • Citi Clear Card
    • Citi Simplicity+ Card
    • Shell-Citi Credit Card
    • Standard Chartered JustOne Platinum MasterCard
    • Standard Chartered Visa Platinum
    • Standard Chartered Platinum MasterCard Basic
     

    **Terms & Condition to Win an Ikea Voucher Worth RM500

    Win an Ikea voucher worth RM500 when you apply and get approval for a new credit card through BBazaar. The exclusive deal is valid from 19 December 2018 to 31 January 2019, and is applicable when you apply for any of the following credit cards.

    Alliance Bank Credit Cards Citibank Credit Cards Standard Chartered Credit Cards
    • lliance Bank Visa Infinite Credit Card
    • Alliance Bank Platinum Credit Card
    • Citi Prestige Card
    • Citi PremierMiles Visa Card
    • Citi Cash Back Platinum Card
    • Citi Rewards Visa Signature Card
    • Standard Chartered Priority Banking Visa Infinite Credit Card
    • Standard Chartered WorldMiles World MasterCard
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