Best Credit Cards For Online Shopping In Malaysia


best credit cards for online shopping

Updated March 14 2018

Want to know how you can save money when you go online shopping? We’ve gathered the best credit cards for online shoppers in Malaysia. Read on to find a credit card that would suit you best if you are one!

Credit cards which offer cash rebates for online shopping usually also offers cash rebates for other shopping categories. What you should look out for when deciding which card to get is the cap for the cashback as it varies across banks. You should also look at the minimum spending needed to be qualified for cash rebates.  Here are the best credit cards for online shopping:

Standard Chartered JustOne Platinum Mastercard®

With this credit card from Standard Chartered, you can enjoy up to 15% cashback rate on online purchases, petrol and auto bill payments. If you are a big spender, you can save more than RM 1,000 a year!

On top of that, you can will be able to enjoy various exclusive deals from Standard Chartered’s partners such as cinemas, restaurants, departmental stores and even petrol stations.

Requirements:

  • Annual fees: RM 250
  • Minimum income RM 2,000 monthly ( RM24,000 per annum)

Print Enjoy up to 15% cashback  cta-apply-now

RHB Islamic Smart Value –i

Here’s a RHB credit card that can help you get more when you shop online, as well as other 3 other categories! You’ll be eligible for cash back of up to 5%, depending on your monthly total spending as per below:

Tier

Monthly Total Spending

Cashback

Online

Grocery

Petrol

Utilities

Other spending

1 RM500 – RM1,500

1%

1%

1%

1%

0.2%

2 RM1,501 – RM2,500

2%

2%

2%

2%

0.2%

3 RM2,501 and more

5%

5%

5%

5%

0.2%

Maximum Cap

RM15

RM15

RM15

RM15

RM10

Even though you can get up to 5% cashback, each of the categories has a maximum cap of RM15 except for other spending categories which have a cap of RM10. However, all of your online purchases will be entitled to cash back of  1%, 2% or 5% depending on your monthly total spending.

Requirements:

  • Annual fees: RM 74.20 (principal), RM 42.40 (supplementary)
  • Minimum income RM 2,000 monthly ( RM24,000 per annum)

rhbsignaturevisa Get up to 5% cashback compare_now_-_s

Public Bank Visa Signature

If you’re looking for higher cashback, this Public Bank credit card may just be the right card for you. You will be entitled to get 6% cash rebate when you swipe for local and international online transactions, dining as well as grocery shopping using this card.

Do take note that the cashback will be capped to RM50 per month. If you’re a frequent flyer, you will be pleased to know that you will get 3x complimentary access to any Malaysia Plaza Premium Lounge in a year and automatic travel insurance coverage of up to RM1.5 million. However, this is considered a premium card as the income requirement much higher when compared against other cards on this list.

Requirements:

  • Annual fees: RM411.28 (principal), RM212 (supplement). First year annual fees will be waived, subsequent years fees will be waived subject to minimum of 12 swipes per during the year.
  • Minimum income RM8,333 monthly (RM100,000 per annum)

publicbanksignaturevisa Get 6% cash rebate compare_now_-_s

CIMB Cash Rebate Platinum MasterCard

Here’s another credit card from CIMB to consider if you are an avid online shopper or retail shopper! With this card you will get the 5% cash rebate not only for online shopping, but also for your utilities, petrol and groceries spending!

Category

Cash Rebate

Monthly Capping

Petrol 2% RM50
Groceries 2%
Utility Bill Payments via standing instruction 2%
Mobile Bill Payment via standing instruction 2%
Other retail spend 0.2% No maximum cap

Requirements:

  • No annual fees
  • Minimum monthly income RM2,000 (RM24,000 per annum)

cimbcashrebateplatinummastercard Enjoy 5% cash rebate compare_now_-_s

See also: The Best Credit Cards in Malaysia

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