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:
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:
Minimum salary: RM2,000
Annual fee: RM0, waived for life
Apply for the Maybank Shopee Visa Platinum Credit Card here!
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:
Annual fee: RM95
Minimum salary: RM3,000
Apply for the Maybank Shopee Visa Platinum Credit Card here!
Don’t like shopping outside? Do most of your shopping online? Then this exclusive Citibank x Lazada card is for you.
Card benefits:
Annual fee: RM100 (waived for first 3 years upon approval)
Minimum salary: RM2,000
Apply for the Lazada Citi Platinum MasterCard credit card here!
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:
Annual fee: RM240
Minimum salary: RM3,000
Apply for the HSBC Platinum Mastercard Credit Card here!
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:
Annual fee: RM600 waived for first 3 years upon approval
Minimum salary: RM5,000
Apply for the Citi Rewards Mastercard Credit Card here!
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:
Annual fee: RM250 (waived in first year)
Minimum monthly salary: RM3,000
Apply for the Standard Chartered JustOne Platinum Mastercard Credit Card here!
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