6 Best Shopping Credit Cards For Malaysians In 2022

CompareHero.my Team

CompareHero.my Team

Last updated 18 February, 2022

Are you an avid shopper who is looking for the best credit card to gain extra rewards and benefits? In this article, we listed 6 credit cards both for online and offline shopping you might need as a shopaholic.

Now, don’t get us wrong when we talk about shopping cards. We’re not encouraging you to be a shopaholic - instead, we believe that if you’re going to be spending anyway, might as well get rewarded for it!

So here are six credit cards that we love because they are incredibly rewarding:

1. Maybank Shopee Visa Platinum Credit Card


Prefer shopping on Shopee over Lazada? Then this Maybank credit card is for you. The great thing about this card is that you can also accumulate Shopee Coins when you use the card for transactions outside the app!

Card benefits:

  • 5X Shopee Coins on Shopee, Dining, Entertainment & Contactless Payments
  • 5X shopee coins on special days when spent on Shopee
  • 1X shopee coins for other transactions
  • 5000 Welcome Shopee coins

Minimum salary:

Annual fee: RM0, waived for life

Apply for the Maybank Shopee Visa Platinum Credit Card here!

2. New AEON Gold Visa Credit Card


If you like cashback and points, you may find the AEON Gold Visa credit card perfect for you because it gives you the best of both worlds. It’s especially useful if you do most of your shopping in AEON, too.

Seeing as AEON covers everything from fresh produce to clothes to electrical items and health supplements, it’s possible that this card would reward you for spending on everything that you need.

Card benefits:

  • 5% Cashback for AEON Store spend
  • 2X AEON Member Points for AEON Store spend
  • 3X access to Plaza Premium Lounges nationwide
  • Up to RM200,000 travel insurance

Annual fee:

Minimum salary: RM3,000

Apply for the Maybank Shopee Visa Platinum Credit Card here!

3. Lazada Citi Platinum MasterCard Credit Card


Don’t like shopping outside? Do most of your shopping online? Then this exclusive Citibank x Lazada card is for you.

Card benefits:

  • 10X Citi Rewards Points for Lazada (including Lazada Wallet) spend
  • 5X Citi Rewards Points for selected Citi Strategic Partner(s) spend & 1X for Other spend
  • 1,000 bonus Citi Rewards Points with minimum RM1,500 monthly spend
  • Offset Lazada spend via Citi Rewards Points

Annual fee:
RM100 (waived for first 3 years upon approval)

Minimum salary: RM2,000

Apply for the Lazada Citi Platinum MasterCard credit card here!

4. HSBC Platinum Mastercard Credit Card


Not only is this credit card rewarding for almost all types of spends, it even rewards you MORE if you choose to use contactless payments.

Card benefits:

  • 8X Rewards Points for Contactless spend (Mastercard Tap&Go™, Visa payWave or Samsung Pay)
  • 5X Rewards Points for Online, Overseas, Groceries spend & 1X for Other spend
  • Exclusive deals & savings from special discounts to offers at more than 6,500 Shopping outlets nationwide
  • 8X Monthly Rewards capped at RM3,000

Annual fee:

Minimum salary: RM3,000

Apply for the HSBC Platinum Mastercard Credit Card here!

5. Citi Rewards Mastercard Credit Card


If you spend most of your shopping time in departmental stores and supermarkets, you’d find this Citi card very rewarding. One great thing about this card is that your Citi Reward points don’t expire so you can keep saving, and saving, and saving, and saving…

Card benefits:

  • 5X Citi Rewards Points for Overseas spend and at AEON, AEON BiG, Marks & Spencer, Metrojaya, Parkson, Robinsons, Tangs, Isetan, B.I.G Ben's Independent Grocer, Cold Storage, Everise, Giant, Jasons Food Hall, Jaya Grocer, Servay, Tesco, Village Grocer & many more
  • 1X Citi Rewards Points for other spend
  • Citi Rewards Points do not expire
  • Unlimited access to Plaza Premium Lounge in KLIA
  • Up to RM50,000 travel insurance

Annual fee:
RM600 waived for first 3 years upon approval

Minimum salary: RM5,000

Apply for the Citi Rewards Mastercard Credit Card here!

6. Standard Chartered JustOne Platinum Mastercard Credit Card


This credit card features a surprisingly high cash back rate of 5%, 10%, and 15% depending on your monthly spend. The more you spend, the bigger your rewards.

Card benefits:

  • 15% Cashback for RM2,500 minimum monthly spend
  • 10% Cashback for RM1,500 minimum monthly spend, 5% for RM1,000 minimum monthly spend & 0.2% for other spend
  • Exclusive merchants offers

Annual fee:
RM250 (waived in first year)

Minimum monthly salary: RM3,000

Apply for the Standard Chartered JustOne Platinum Mastercard Credit Card here!

Curious to see more? Compare all credit cards here.

Just remember, don’t spend beyond your means!

Rewards may be great and all, but it’s never worth getting into debt. When you shop with your credit card, remember to always spend within your means and to constantly compare before settling on something for good.

It would be beneficial for you to also practice some of these clever tips so you don’t make a regretful purchase:  1. Save up RM100 if the item you want is RM50: If you want to buy something, have two times that amount of cash in your bank. 2. Try the 30-day rule: If you see something you like, take 30 days to compare, research, and save up for the item. If you still want it at the end of the 30 days, go ahead and get it! 3. Create a budget and stick to it: Clearly allocate your budget for the necessaries, such as your commitments and savings. Use only what you’ve pre-allocated for shopping, and nothing more than that. Related: 10 Examples of Poor Money Management (& What You Can Do About It) Want to see more credit cards that give you rewards? Just tap on the link below!

Best Rewards Credit Cards in Malaysia

The CompareHero.my team is comprised of many talented individuals, sharing their knowledge, experiences and research to help others make better financial decisions.


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