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Starter Credit Cards for Online Shopping

Online Shopping is a girl’s new best friend. They’re even a guy’s best friend. Online shopping has become such a big part of our daily lives. It could even partially replace physical shopping in the future. But with access to shopping 24/7, we get the tendency to spend more and save less.

When you’re just holding an average income of RM2 500 a month, it’s not easy to fit into the. To help ease your concerns a little, here are the top credit cards that could help save you some extra bucks when online shopping that is applicable for middle ranged income.

1. Standard Chartered JustOne Platinum Mastercard

Picture sourced from sc.com
  • Cash back up to 15%, for petrol, online and auto-bill transactions capped at RM 60
  • Min. Annual Income of RM36 000 per annum (RM 3 000 monthly)
  • Annual fee of RM250 with 1st year Annual Fee Waiver
  • Interest rates of 15% – 18% per annum
  • Min. monthly repayment 5% of the outstanding balance or a minimum of RM50, whichever is higher.

2. Public Bank Quantum Visa/MasterCard

Picture sourced from pbebank.com
  • 5% Cash Back on online transactions, capped at RM30 per monthly statement cycle
  • Min. Annual Income of RM36 000 per annum (RM 3 000 monthly)
  • No annual fee for life
  • Interest rates of 15% – 18% per annum
  • Min. monthly repayment 5% of the total Current Balance together with the total amount of Monthly Instalment (if any) or a minimum of RM50, whichever is higher.

3. UOB YOLO Visa

Picture sourced from UOB.com.my
  • 5% cashback for dining, online and contactless transaction capped at RM30; up to 10% cashback for Grab rides, food and deliveries capped at RM20
  • Min. Annual Income of RM36 000 per annum (RM 3 000 monthly)
  • Annual fee of RM90 with 1st year Annual Fee Waiver
  • Interest rates of 15% – 18% per annum
  • Min. monthly repayment 5% of the outstanding balance or a minimum of RM50, whichever is higher.

4. Maybank 2 American Express/Visa

Picture sourced from maybank2u.com.my
  • 5% Cash Back for all purchases including online purchases (except for government bodies and utilities) on weekends capped at RM50 per month
  • Min. Annual Income of RM30 000 per annum (RM 2 500 monthly)
  • No annual fee for life
  • Interest rates of 15% – 18% per annum
  • Min. monthly repayment 5% of the outstanding balance or a minimum of RM25, whichever is higher.

Learn more with RinggitPlus.com is Malaysia’s leading financial comparison website.

It allows your to get the latest credit card offers and a side by side comparison when applying for a credit card, personal loan, an insurance plan, a home loan for your dream house, and much more!

Exclusive offers and cashback when you apply using RinggitPlus are awaiting you!

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