How to Choose the Best Credit Card for Online Shopping in Malaysia

Fatin Haris

Fatin Haris

Last updated 25 August, 2023

ARTICLE_BANNER-CCOnline shopping has witnessed a surge in popularity in Malaysia, underscoring the importance of selecting an ideal credit card that optimizes rewards and savings. If you're an avid online shopper, decoding the process of choosing the right credit card is paramount. Here's a comprehensive guide to selecting the best credit card for online shopping in Malaysia, designed to align with your preferences and needs:

  1. Get Rewards That Match Your Style
When picking a credit card, go for one that gives you rewards that fit your way of shopping. Some cards offer cash back, points, or travel miles. Think about what kind of rewards would be the most useful for you based on how you like to shop.

RELATED: 5 Tips To Get The Most Out Of Your Credit Card

  1. Elevate Security Measures

Prioritize the safety of your financial information while shopping online. Seek credit cards equipped with advanced fraud detection systems to monitor and notify you of suspicious transactions promptly. Explore the purchase security feature, safeguarding against damage, loss, or theft of items purchased using the credit card. Read more, here

  1. Decode Fee Structure

Unearth the potential fees linked to your credit card. Evaluate the presence of annual fees, foreign transaction fees, late payment fees, and overlimit fees. Comprehensive knowledge of these fees prevents unwanted financial surprises. Additionally, some cards come with minimum spending requirements for earning rewards; ensure you grasp these conditions. Here are some of the fees you may encounter when using a credit card for online shopping:

  • Annual fee: This is a fee that you pay each year for the privilege of having the card. Some cards have no annual fee, while others charge a significant amount.
  • Foreign transaction fee: This is a fee you pay when you use your card to purchase a foreign currency. The fee is usually a percentage of the transaction amount, and it can vary depending on the card.
  • Late payment fee: This is a fee that you pay if you don't make your monthly payment on time. The fee is usually a percentage of your outstanding balance, and it can be quite steep.
  • Overlimit fee: This is a fee that you pay if you exceed your credit limit. The fee is usually a percentage of your outstanding balance.
  1. Unveil Online and Mobile Access

Effortlessly manage your credit card account by opting for cards offering convenient online and mobile access. Swiftly monitor your transactions and expenses, enhancing your financial oversight and control.

Top Credit Cards for Online Shopping in Malaysia

Standard Chartered Smart Credit Card

Designed with online shoppers in mind, this card offers enticing features:

  • Up to 6% cashback on digital lifestyle transactions.
  • Enjoy Buy Now, Pay Later with 0% interest on a 3-month instalment plan.
  • Zero cash advance fees, ensuring hassle-free spending.
  • Additional lifestyle privileges and exclusive deals enhance your online shopping experience.


For cashback enthusiasts, the UOB EVOL Card provides:

  • Up to 8% cashback on Sustainable Merchants.
  • Up to 5% cashback on online, entertainment, and contactless parking.
  • Capitalize on a 0% Easi-Payment Plan promo for overseas purchases.
  • This card comes with enticing benefits and a waived annual fee for the first year.

HSBC Visa Signature

Elevate your online shopping with the HSBC Visa Signature credit card, offering:

  • Up to 8X Reward Points on Online & Overseas spending.
  • Complimentary access to Plaza Premium Lounge.
  • e-Commerce Purchase Protection coverage up to USD200.
  • Flexible cash advance options for emergencies.
  • Despite an annual fee, the rewards and benefits justify the cost.

Selecting the perfect credit card for online shopping in Malaysia unlocks an array of rewards and benefits, amplifying your shopping endeavors. Align your choice with your spending habits, safety requirements, and lifestyle preferences. Now equipped with comprehensive knowledge, you're ready to embark on a more rewarding online shopping journey. Begin the process by comparing and applying for the optimal credit card on CompareHero today!



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