{"id":17778,"date":"2021-06-22T20:00:00","date_gmt":"2021-06-22T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/ways-using-credit-card-save-money.html"},"modified":"2026-03-27T15:24:10","modified_gmt":"2026-03-27T07:24:10","slug":"ways-using-credit-card-save-money","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/ways-using-credit-card-save-money.html","title":{"rendered":"6 Ways Using A Credit Card Helps You Save Money"},"content":{"rendered":"\n

If you are more careful on your credit card usage, you can actually save more money and at the same time, earn more benefits. In this article, we list some credit cards that can give you that opportunity. Read here to find out how it works.<\/strong><\/p> \n

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Ever had someone tell you to only pay in cash? That apparently using cash is wiser, safer, and better in every way?<\/p> \n

Now, we know that credit cards do get a bad reputation, and for good reasons too. While it\u2019s true that credit card debt is a real issue, the card itself is not the cause – it\u2019s poor financial management!<\/p> \n

Back to our original question – credit cards actually do so much more than give you access to acquire what you want or need before you actually have the money to pay it off. Credit cards actually reward you for spending, so to this we say: if you\u2019re already spending, might as well get rewarded for it.<\/p> \n

Here are some ways using a credit card can actually be incredibly good for your money:<\/p> \n

1. You can get a signup gift when you get a new credit card<\/h2> \n

Banks and comparison sites like CompareHero are always running promotions to encourage new users to sign up for specific credit cards. You can always take advantage of this incentive and get a gift that you\u2019re interested in. Of course, do read the terms before signing up, as while some gifts are guaranteed, others may be given out \u00e0 la lucky draw style. (E.g. each 40th successful applicant.)<\/p> \n

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A rice cooker Uncle Roger would approve of. (Disclaimer: Promotion subject to change without notice.) <\/em><\/p> \n

So if you\u2019re looking to furnish your new home with some essential appliances, wouldn\u2019t it be great if you scored yourself a new air fryer or vacuum machine just by applying for a new credit card?<\/p> \n

On that note, check out our current credit card promotions here<\/a>. (Our promotions change every month, so if you see something you like, grab it quickly!)<\/p> \n

2. You can accumulate reward points as you spend<\/h2> \n

You would already know that credit card rewards exist. If not, how else would banks encourage you to take up credit cards in the first place?<\/p> \n

Depending on the card that you have, you can easily accumulate points with each spend you make. At the end of your monthly cycle or year, you can always check your points to see how much you\u2019ve accumulated, and choose to redeem something that you want or need. Our favourite? Shopping vouchers!<\/p> \n

3. You can get actual cashback to your account<\/h2> \n

Unlike cards that give you reward points, there are cards that give you cash back when you spend. Of course, when you get cash back, you may or may not get reward points when you spend. (It depends on what your card offers.)<\/p> \n

And just to note, cashbacks usually work where the user (you) make a purchase wherever, and at the end of the cycle, you pay your dues and get your cashback benefit (e.g. a total of, say, RM30 from that month) credited back into your account as a rebate.<\/p> \n

But as beneficial as this sounds, take note that it\u2019s common for banks to impose a certain maximum to your cashback benefit.<\/p> \n

Compare all cashback credit cards here<\/a>.<\/p> \n

4. You can get extra rewards from branded credit cards<\/h2> \n

What are branded credit cards? Quite simply, they\u2019re the product of a partnership between a credit card issuer (bank) and an external brand. While they work like a standard credit card, they have added benefits so you can save some money or get added rewards when you spend in their business.<\/p> \n

Here are 3 branded credit cards<\/strong> that we think you\u2019ll love:<\/p> \n

Maybank Grab Credit Card<\/strong><\/h4> \n
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Perfect if you\u2019re:<\/strong> A heavy Grab user who loves collecting points and redeeming them for Grab vouchers.<\/p> \n

About this card: <\/strong><\/p> \n