{"id":18494,"date":"2019-03-28T20:00:00","date_gmt":"2019-03-28T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/shopping-tips-debit-card-credit-card.html"},"modified":"2026-03-27T12:53:26","modified_gmt":"2026-03-27T04:53:26","slug":"shopping-tips-debit-card-credit-card","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/shopping-tips-debit-card-credit-card.html","title":{"rendered":"Shopping Tips: When To Use A Debit Card Or Credit Card?"},"content":{"rendered":"\n<p>Many of you have your own preference on which card to use, however, we want you to consider the advantages of both cards so that you can reap the full benefits the next time you shop.&nbsp;<span style=\"font-size: 1.3rem;\">Here are some of the pointers we think you should keep in mind when deciding to use either a debit card or a credit card.<\/span><\/p> \n<!--more--><p><strong>See also<\/strong>: <a href=\"https:\/\/www.comparehero.my\/blog\/unionpay-leading-global-payment-network\">UnionPay \u2013 The Leading Global Payment Network<\/a><\/p> \n<h2><strong>When To Use A Debit Card<\/strong><\/h2> \n<p>&nbsp;<\/p> \n<h3>When you&#8217;ve automated your finances and are on a budget<\/h3> \n<p>A debit card is ideal to keep within your budget as the limit is the amount of money you have in&nbsp; your savings account. It tends to sting more if you see your money getting immediately deducted as well. You can immediately track all your savings with a debit card too!<\/p> \n<h3>You hate keeping heavy coins and notes<\/h3> \n<p>A wallet thick with cash and coins can be a rather inconvenient item to have in your pocket, if you want to slim it down, a debit card is an ideal way. You have access to your cash, but you don&#8217;t have to physically carry it around. Keep in mind that shops like the local <em>kopitiam<\/em> isn&#8217;t going to accept your debit.<\/p> \n<p><a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Banking\/Deposit\/Saving-accounts\/PB-UnionPay-Savings-Account.aspx\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-22405\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/PB_UnionPay_DebitCard-300x192.jpg?resize=350%2C224&#038;ssl=1\" alt=\"pb_unionpay_debitcard\" width=\"350\" height=\"224\"><\/a>Want to apply for a debit card? We recommend you check out <a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Banking\/Deposit\/Saving-accounts\/PB-UnionPay-Savings-Account.aspx\">Public Bank UnionPay Lifestyle Debit Card<\/a>, first of its kind in Malaysia, and enjoy a flat interest rate of 0.50% p.a. calculated daily on outstanding balances above RM3,000 and credited monthly!<\/p> \n<p>On top of that, you can get RM 10 monthly cash rebate if you maintain a minimum of RM10,000 Month-to-Date Average Balance and no over-the-counter transaction for the month.<\/p> \n<p>&nbsp;<\/p> \n<h2><strong>When To Use A Credit Card<\/strong><\/h2> \n<h3>If you&#8217;re making large purchases or electronics purchases<\/h3> \n<p>Many credit cards offer 0% interest installment plan, up to a 36-month period, depending on the price and merchant. This is ideal for purchasing an expensive item as you can stretch your budget and reasonably afford the item.<\/p> \n<h3>If you&#8217;re shopping online<\/h3> \n<p>The risk of fraud when you are shopping online is still high these days, hence it is better to use a credit card to protect yourself. A credit card will allow you to track transactions and request to file a fraud-case if you ever encounter one. Payment gateways such as iPay88 or PayPal makes it safer to pay with cards as well.<\/p> \n<p>Some e-commerce sites such as Lazada also offer bank credit card-exclusive promos and discounts&nbsp; which you can leverage on to get more savings.<\/p> \n<h3>When you want to improve or build your credit score<\/h3> \n<p>Using a credit card and paying it off responsibly will help you to build a healthy credit score. A credit score is very important as banks use it as a way to determine your eligibility for financial products such as a house or car loan. Using the credit card responsibly can help you out in the long term because of credit scoring.<\/p> \n<h3>To enjoy cashback or earn rewards points<\/h3> \n<p>Most credit cards these days give you cashback or rebates when you shop at participating merchants or during the weekends. Not only that, but you will also be able to earn rewards points that can be redeemed for cash vouchers or other items. Keep in mind that terms and conditions always apply.<\/p> \n<p>Read This: <a href=\"https:\/\/www.comparehero.my\/blog\/cashback-credit-card-guide\">A Guide To Cashback Credit Card<\/a>, <a href=\"https:\/\/www.comparehero.my\/blog\/guide-rewards-credit-cards\">How To Utilise Your Rewards Credit Cards<\/a><\/p> \n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-22406\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/UnionPay_ShoppingBanner.jpg?resize=640%2C211&#038;ssl=1\" alt=\"unionpay_shoppingbanner\" width=\"640\" height=\"211\"><br> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many of you have your own preference on which card to use, however, we want you to consider the advantages of both cards so that you can reap the full benefits the next time you shop.&nbsp;Here are some of the pointers we think you should keep in mind when deciding to use either a debit&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":60269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[433],"tags":[],"class_list":["post-18494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Shopping Tips: When To Use A Debit Card Or Credit Card? 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More than that, debit cards are also\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/credit-card-vs-debit-card.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/credit-card-vs-debit-card.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/credit-card-vs-debit-card.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/credit-card-vs-debit-card.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/credit-card-vs-debit-card.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":5975,"url":"https:\/\/www.comparehero.my\/blog\/bank-news\/bitcoin-debit-cards-malaysia-introduction-2.html","url_meta":{"origin":18494,"position":1},"title":"Bitcoin Debit Cards: An Introduction to Malaysians","author":"CompareHero","date":"18 April 2016","format":false,"excerpt":"You have heard about bitcoin, but have you heard about bitcoin debit cards? Chances are, you have not. Bitcoin debit cards are\u00a0a relatively new financial tool, designed as a solution primarily for the Bitcoin community as a way to easily spend bitcoin. The bitcoin community is limited to only thousands\u2026","rel":"","context":"In &quot;Bank News&quot;","block_context":{"text":"Bank News","link":"https:\/\/www.comparehero.my\/blog\/bank-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/1_qx7E6n0j3Kv0-tkk1xY-7w.png?fit=523%2C349&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":8748,"url":"https:\/\/www.comparehero.my\/blog\/bank-news\/best-digital-wallet-2.html","url_meta":{"origin":18494,"position":2},"title":"Which Is The Best Digital Wallet: Visa Checkout, PayPal or MasterPass?","author":"CompareHero","date":"3 October 2016","format":false,"excerpt":"Want an easier and faster way to make payments when you shop online? A digital wallet is the way to go. We\u2019ve rounded up 3 of the most trusted platforms \u2013 Visa Checkout, PayPal and MasterPass \u2013 to help you decide the best one for you. \u00a0 Online shopping offers\u2026","rel":"","context":"In &quot;Bank News&quot;","block_context":{"text":"Bank News","link":"https:\/\/www.comparehero.my\/blog\/bank-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-6.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-6.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-6.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-6.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17993,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/how-to-choose-your-first-credit-card.html","url_meta":{"origin":18494,"position":3},"title":"Choosing Your First Credit Card In Malaysia: What You Need To Know","author":"CompareHero","date":"16 September 2023","format":false,"excerpt":"Are you planning to get a credit card for the first time? With different types of credit cards available, you need to learn how to compare credit cards to see which one is suitable for you. Learn more by reading this quick beginner\u2019s guide to choosing your first credit card.If\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Choosing_Your_First_Credit_Card_In_Malaysia-_What_You_Need_To_Know-01.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Choosing_Your_First_Credit_Card_In_Malaysia-_What_You_Need_To_Know-01.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Choosing_Your_First_Credit_Card_In_Malaysia-_What_You_Need_To_Know-01.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Choosing_Your_First_Credit_Card_In_Malaysia-_What_You_Need_To_Know-01.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Choosing_Your_First_Credit_Card_In_Malaysia-_What_You_Need_To_Know-01.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18647,"url":"https:\/\/www.comparehero.my\/blog\/e-wallets\/best-ewallet-malaysia.html","url_meta":{"origin":18494,"position":4},"title":"Ultimate Guide To E-Wallets In Malaysia &#8211; Which Should You Get?","author":"CompareHero","date":"1 November 2023","format":false,"excerpt":"E-wallets are one of the fastest-growing payment trends in Malaysia, with over 53 e-wallets now available in the country. This growth is being driven by a number of factors, including the government's aim to transform Malaysia into a cashless society, the convenience and security of e-wallets, and the growing popularity\u2026","rel":"","context":"In &quot;E-Wallets&quot;","block_context":{"text":"E-Wallets","link":"https:\/\/www.comparehero.my\/blog\/e-wallets"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Article_FI.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Article_FI.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Article_FI.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Article_FI.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Article_FI.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18474,"url":"https:\/\/www.comparehero.my\/blog\/credit-cards\/rhb-launches-multi-currency-debit-cards-supporting-13-foreign-currencies.html","url_meta":{"origin":18494,"position":5},"title":"RHB Launches Multi-Currency Debit Card Supporting 13 Foreign Currencies","author":"CompareHero","date":"21 October 2019","format":false,"excerpt":"KUALA LUMPUR: RHB Banking Group launched the country\u2019s first multi-currency debit cards, which provide access to 13 foreign currencies alongside the ringgit. The cards come in the form of RHB Multi Currency Visa Debit Card and RHB Premier Multi Currency Visa Debit Card. The foreign currencies supported are: US dollar,\u2026","rel":"","context":"In &quot;Credit Cards&quot;","block_context":{"text":"Credit Cards","link":"https:\/\/www.comparehero.my\/blog\/credit-cards"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/RHB-Event_20190403104639_theedgemarkets.jpg?fit=747%2C498&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/RHB-Event_20190403104639_theedgemarkets.jpg?fit=747%2C498&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/RHB-Event_20190403104639_theedgemarkets.jpg?fit=747%2C498&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/RHB-Event_20190403104639_theedgemarkets.jpg?fit=747%2C498&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/shopping-1.png?fit=1024%2C768&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=18494"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18494\/revisions"}],"predecessor-version":[{"id":58176,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18494\/revisions\/58176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/60269"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=18494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=18494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=18494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}