5 Tips To Get The Most Out Of Your Credit Card

Fatin Haris

Fatin Haris

Last updated 25 August, 2023


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Credit cards can be a great way to earn rewards, but it's important to use them wisely. Here are some tips on how to maximize credit card rewards in Malaysia:

Choose the right card for your spending habits

There are many different types of credit cards available, so it's important to choose one that offers rewards that you'll actually use. If you travel a lot, for example, you'll want to choose a card that offers air miles or travel insurance. If you shop online a lot, you'll want to choose a card that offers cashback or points on online purchases.

Pay your bill in full each month

This is the most important tip for maximizing credit card rewards. If you carry a balance, you'll be charged interest, which will eat into your rewards.

Take advantage of sign-up bonuses

Many credit cards offer sign-up bonuses, such as free air miles or cashback, when you spend a certain amount of money within a certain time period. Be sure to read the terms and conditions carefully so that you qualify for the bonus. You can also check on CompareHero regularly to see which credit cards have the best sign-up bonuses. 

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Use your card for everyday purchases

The more you use your card, the more rewards you'll earn. So, make it your go-to card for everyday purchases, such as groceries, gas, and dining out.

Keep track of your rewards

It's important to keep track of your rewards so that you know how close you are to redeeming them. Most credit card companies offer online portals where you can track your rewards.

Redeem your rewards for something you'll actually use

Don't redeem your rewards for something you don't need or want. Instead, redeem them for something that you'll actually use, such as travel, gift cards, or merchandise.


By following these tips, you can maximize credit card rewards and get the most out of your card. Here are some additional tips for maximizing credit card rewards:

  • Look for cards with no annual fee, here
  • Consider getting a co-branded credit card with a retailer or airline that you frequently use such as AEON
  • Read the fine print carefully before you sign up for a card.
  • Be sure to pay your bill on time each month to avoid late fees and interest charges.

Following these tips can help you maximize your credit card rewards and get the most out of your card. But, the best way to find the right credit card for you is to compare different offers and find the one that best suits your needs.

CompareHero can help you do just that. We compare credit cards in Malaysia so you can easily find the best one for you. Plus, you could win exciting sign-up prizes when you apply through CompareHero.

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