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

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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

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CIMB CASH REBATE

  • 10% Cash Rebate on monthly interest charged

  • 5% Cash Rebate on online spend

  • 2% Cash Rebate on spend

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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

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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

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STANDARD CHARTERED WORLDMILES CARD

  • Earn WorldMiles Points from retail spending

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

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AMBANK VISA INFINITE

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

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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

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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

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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

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STANDARD CHARTERED JUSTONE

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

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RHB TRAVEL MONEY

  • Up to 5% cashback at all petrol stations nationwide

  • Convert Rewards Points into Enrich Miles or KrisFlyer Miles

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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

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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

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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

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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

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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

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AMBANK VISA INFINITE

  • 5 AmBonus Points for every RM1 spent overseas

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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

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MACH VISA CREDIT CARD

  • 5% cashback for every RM1 spent

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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

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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

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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

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CITIBANK REWARDS PLATINUM CARD

  • 5 Citi Rewards points for every RM1 spent

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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