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
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