信用卡（Credit Card）对每一位马来西亚人来说一点都不陌生。最重要的是，如今的信用卡一点都不会难申请。至于现在马来西亚市场上的信用卡，简直就是非常的多样化。  不过，在这么多的信用卡内，哪一张信用卡才适合我呢？这个就是一个重要的问题了！因此有许多的年轻人都在申请信用卡的时候都完全是：跟着感觉走。因此，导致许多的年轻人都为自己背下一屁卡债！

 好啦，现在小编就教教你们，如何决定那一张信用卡才适合你。当你们在申请信用卡的时候，请认定自己对信用卡的主要用途是什么：  

Shopping

Travel

Petrol

Rewards

Cashback

Dining

（市面上有许多不同的信用卡，而提供的主要用途也是不一样的）

信用卡主要用途是：     SHOPPING          

HSBC VISA SIGNATURE CARD

– Earn up to 10x Reward Points from hotel, dining, and shopping spending

– Earn 1x Reward Point from other retail spending Travel privileges

– 3-hour complimentary access to Plaza Premium Lounge at Kuala Lumpur International Airport    

 

 CIMB CASH REBATE

– 10% Cash Rebate on monthly interest charged

– 5% Cash Rebate on online spend

– 2% Cash Rebate on spend      

 

CITIBANK REWARDS PLATINUM CARD

– Get a Condotti Luggage bag when you Balance Transfer

– 5x Citi Rewards points from selected Rewards categories

– Low interest rate starting at 15% per annum      

 

UOB LADY’S CLASSIC CARD

– Up to 10% cashback on grocery transactions at selected merchants

– Earn 3x UNIRM reward points with every RM1 spent at selected Department Stores

– Complimentary access at True Fitness*

 

信用卡主要用途是：     TRAVEL

STANDARD CHARTERED WORLDMILES CARD  

– Earn WorldMiles Points from retail spending

– Convert WorldMiles Points into MAS, Singapore Airlines, or AirAsia miles

 

AMBANK VISA INFINITE  

– AmBonus Points for air miles, international airport services, and travel accident insurance

 

CITIBANK REWARDS PLATINUM CARD  

– Get a Condotti Luggage bag when you Balance Transfer

– 5x Citi Rewards points from selected Rewards categories

– Low interest rate starting at 15% per annum

 

RHB TRAVEL MONEY  

– Up to 5% cashback at all petrol stations nationwide

– Convert Rewards Points into Enrich Miles or KrisFlyer Miles

 

信用卡主要用途是：     PETROL

MAYBANK VISA SIGNATURE  

– 5% Cashback for Petrol and Grocery Spend

– 1x Treatspoint for every RM1 spend on others

-Enjoy complimentary Premium Airport Lounge access and other complimentary services

 

STANDARD CHARTERED JUSTONE  

– Petrol savings of up to RM840 a year at all stations

 

RHB TRAVEL MONEY  

– Up to 5% cashback at all petrol stations nationwide

– Convert Rewards Points into Enrich Miles or KrisFlyer Miles

 

HSBC AMANAH MPOWER PLATINUM CREDIT CARD-i  

– Up to 8% cashback everyday on your spending on petrol and groceries

– 0% balance transfer for 6 months with your new credit card

– Up to 0.2% cashback on all local spending

 

信用卡主要用途是：     CASHBACK

MAYBANK VISA SIGNATURE

 

– 5% Cashback for Petrol and Grocery Spend 1x Treatspoint for every

– RM1 spend on others

– Enjoy complimentary Premium Airport Lounge access and other complimentary services

 

UOB ONE CARD CLASSIC  

– 2% cashback every weekday at all petrol stations

– Up to 5% cashback every month at all petrol stations

-1% cashback every weekday at Tesco, AEON Big, Giant, Cold Storage, and Jaya Grocer

– Up to 2% cashback every month at Tesco, AEON Big, Carrefour, Giant, Cold Storage and Pasar Raya Jaya Grocer 0.2% cashback every day

– 1% cashback every weekday on Maxis, Celcom, and DiGi bills

– Up to 2% cashback every month on Maxis, Celcom, and DiGi bills 2

– % cashback every weekday at Golden Screen Cinemas

– 5% cashback every weekend at Golden Screen Cinemas

 

CITIBANK CASH BACK PLATINUM

– Up to 5% cashback per month

– Up to 2% cashback per month at Giant, AEON Big (formerly known as Carrefour), Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin

– Up to 2% cashback per month at Guardians, Watsons and Caring Maxis / DiGi / Celcom bill:

– Up to 2% cashback per month Astro bill:

– Up to 0.3% cashback per month Municipal council bill:

-Up to 0.3% cashback per month

-Up to 0.3% cashback per month

 

HSBC AMANAH MPOWER PLATINUM CREDIT CARD-i  

– Up to 8% cashback everyday on your spending on petrol and groceries

– 0% balance transfer for 6 months with your new credit card

– Up to 0.2% cashback on all local spending

 

信用卡主要用途是：     DINING

AMBANK VISA INFINITE  

– 5 AmBonus Points for every RM1 spent overseas

 

CITIBANK REWARDS CARD  

– 5 Citi Rewards points for every RM1 spent

– Convert 6,400 Rewards points into 1,000 Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer Airmiles, British Airways Executive Club

– Convert 7,000 Rewards points into 1,000 MAS Enrich Airmiles

– Convert 8,000 Rewards points into 1,000 Etihad Airways

 

MACH VISA CREDIT CARD  

– 5% cashback for every RM1 spent

 

MAYBANK 2 CARDS  

– 5% cashback on dining spend

– 5x TreatPoints on all local and overseas spending

– Earn 1,000 miles for every RM1,400 spent

 

信用卡主要用途是：     REWARDS

MAYBANK 2 CARDS  

– 5% cashback on dining spend

– 5x TreatPoints on all local and overseas spending

– Earn 1,000 miles for every RM1,400 spent

 

HSBC VISA PLATINUM  

– 8x Reward Points for every RM1 spent on dining overseas

– 5x Reward Points for every RM1 spent on dining locally

– 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall

– 5x Reward Points for every RM1 spent at other participating malls and departmental stores

– 1 Reward Point for every RM1 spent

 

CITIBANK REWARDS PLATINUM CARD  

– 5 Citi Rewards points for every RM1 spent

 

CITIBANK CLEAR CREDIT CARD  

– 3 Rewards Points with every RM1 spent at Sakae Sushi

– 3 Rewards Points with every RM1 spent at Zouk Club KL

– 3 Rewards points with every RM1 spent at Borders, GAP, Topman, Topshop, G2000, La Senza, Vincci, Quiksilver, and Roxy

来源:ricebowl