信用卡（Credit Card）在马来西亚已越来越普遍，信用卡的款式也越来越多。在众多信用卡中，究竟哪些最好用呢？
大家在选择信用卡时，必须清楚了解自己申请信用卡的目的，比如自己常用在油站添油、用在网购或用在餐厅等。这里把信用卡归类为Shopping、Travel、Petrol、Cashback、Dining和Reward 6种类型。
大家可以根据这些类型，选择适合自己的信用卡，并充分使用信用卡所带来的福利，避免欠卡债。
信用卡主要用途：SHOPPING
1. HSBC VISA SIGNATURE CARD
a. Earn up to 10x Reward Points from hotel, dining, and shopping spending
b. Earn 1x Reward Point from other retail spending Travel privileges
c. 3-hour complimentary access to Plaza Premium Lounge at Kuala Lumpur International Airport
2. CIMB CASH REBATE
a. 10% Cash Rebate on monthly interest charged
b. 5% Cash Rebate on online spend
c. 2% Cash Rebate on spend
3. CITIBANK REWARDS PLATINUM CARD
a. Get a Condotti Luggage bag when you Balance Transfer
b. 5x Citi Rewards points from selected Rewards categories
c. Low interest rate starting at 15% per annum
4. UOB LADY'S CLASSIC CARD
a. Up to 10% cashback on grocery transactions at selected merchants
b. Earn 3x UNIRM reward points with every RM1 spent at selected Department Stores
c. Complimentary access at True Fitness*
信用卡主要用途：TRAVEL
1. STANDARD CHARTERED WORLDMILES CARD
a. Earn WorldMiles Points from retail spending
b. Convert WorldMiles Points into MAS, Singapore Airlines, or AirAsia miles
2. AMBANK VISA INFINITE
a. AmBonus Points for air miles, international airport services, and travel accident insurance
3. CITIBANK REWARDS PLATINUM CARD
a. Get a Condotti Luggage bag when you Balance Transfer
b. 5x Citi Rewards points from selected Rewards categories
c. Low interest rate starting at 15% per annum
4. RHB TRAVEL MONEY
a. Up to 5% cashback at all petrol stations nationwide
b. Convert Rewards Points into Enrich Miles or KrisFlyer Miles
信用卡主要用途是：PETROL
1. MAYBANK VISA SIGNATURE
a. 5% Cashback for Petrol and Grocery Spend
b. 1x Treatspoint for every RM1 spend on others
c. Enjoy complimentary Premium Airport Lounge access and other complimentary services
2. STANDARD CHARTERED JUSTONE
a. Petrol savings of up to RM840 a year at all stations
3. RHB TRAVEL MONEY
a. Up to 5% cashback at all petrol stations nationwide
b. Convert Rewards Points into Enrich Miles or KrisFlyer Miles
4. HSBC AMANAH MPOWER PLATINUM CREDIT CARD-i
a. Up to 8% cashback everyday on your spending on petrol and groceries
b. 0% balance transfer for 6 months with your new credit card
c. Up to 0.2% cashback on all local spending
信用卡主要用途是：CASHBACK
1. MAYBANK VISA SIGNATURE
a. 5% Cashback for Petrol and Grocery Spend
b. 1x Treatspoint for every RM1 spend on others
c. Enjoy complimentary Premium Airport Lounge access and other complimentary services
2. UOB ONE CARD CLASSIC
a. 2% cashback every weekday at all petrol stations
b. Up to 5% cashback every month at all petrol stations
c. 1% cashback every weekday at Tesco, AEON Big, Giant, Cold Storage, and Jaya Grocer
d. Up to 2% cashback every month at Tesco, AEON Big, Carrefour, Giant, Cold Storage and Pasar Raya Jaya Grocer
e. 0.2% cashback every day
f. 1% cashback every weekday on Maxis, Celcom, and DiGi bills
g. Up to 2% cashback every month on Maxis, Celcom, and DiGi bills
h. 2% cashback every weekday at Golden Screen Cinemas
i. 5% cashback every weekend at Golden Screen Cinemas
3. CITIBANK CASH BACK PLATINUM
a. Up to 5% cashback per month
b. Up to 2% cashback per month at Giant, AEON Big (formerly known as Carrefour), Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin
c. Up to 2% cashback per month at Guardians, Watsons and Caring
d. Maxis / DiGi / Celcom bill: Up to 2% cashback per month
e. Astro bill: Up to 0.3% cashback per month
f. Municipal council bill: Up to 0.3% cashback per month
g. Up to 0.3% cashback per month
4. HSBC AMANAH MPOWER PLATINUM CREDIT CARD-i
a. Up to 8% cashback everyday on your spending on petrol and groceries
b. 0% balance transfer for 6 months with your new credit card
c. Up to 0.2% cashback on all local spending
信用卡主要用途是：DINING
1. AMBANK VISA INFINITE
a. 5 AmBonus Points for every RM1 spent overseas
2. CITIBANK REWARDS CARD
a. 5 Citi Rewards points for every RM1 spent
b. Convert 6,400 Rewards points into 1,000 Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer Airmiles, British Airways Executive Club
c. Convert 7,000 Rewards points into 1,000 MAS Enrich Airmiles
d. Convert 8,000 Rewards points into 1,000 Etihad Airways
3. MACH VISA CREDIT CARD
a. 5% cashback for every RM1 spent
4. MAYBANK 2 CARDS
a. 5% cashback on dining spend
b. 5x TreatPoints on all local and overseas spending
c. Earn 1,000 miles for every RM1,400 spent
信用卡主要用途是：REWARDS
1. MAYBANK 2 CARDS
a. 5% cashback on dining spend
b. 5x TreatPoints on all local and overseas spending
c. Earn 1,000 miles for every RM1,400 spent
2. HSBC VISA PLATINUM
a. 8x Reward Points for every RM1 spent on dining overseas
b. 5x Reward Points for every RM1 spent on dining locally
c. 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
d. 5x Reward Points for every RM1 spent at other participating malls and departmental stores
e. 1 Reward Point for every RM1 spent
3. CITIBANK REWARDS PLATINUM CARD
a. 5 Citi Rewards points for every RM1 spent
4. CITIBANK CLEAR CREDIT CARD
a. 3 Rewards Points with every RM1 spent at Sakae Sushi
b. 3 Rewards Points with every RM1 spent at Zouk Club KL
c. 3 Rewards points with every RM1 spent at Borders, GAP, Topman, Topshop, G2000, La Senza, Vincci, Quiksilver, and Roxy
注意，以上资料仅供参考，而且有些信用卡的条款或优惠已经改变，或者仅限于促销期内申请。若有兴趣，请向银行查询清楚。
部分资讯源自网络
大家在选择信用卡时，必须清楚了解自己申请信用卡的目的，比如自己常用在油站添油、用在网购或用在餐厅等。这里把信用卡归类为Shopping、Travel、Petrol、Cashback、Dining和Reward 6种类型。
大家可以根据这些类型，选择适合自己的信用卡，并充分使用信用卡所带来的福利，避免欠卡债。
信用卡主要用途：SHOPPING
1. HSBC VISA SIGNATURE CARD
a. Earn up to 10x Reward Points from hotel, dining, and shopping spending
b. Earn 1x Reward Point from other retail spending Travel privileges
c. 3-hour complimentary access to Plaza Premium Lounge at Kuala Lumpur International Airport
2. CIMB CASH REBATE
a. 10% Cash Rebate on monthly interest charged
b. 5% Cash Rebate on online spend
c. 2% Cash Rebate on spend
3. CITIBANK REWARDS PLATINUM CARD
a. Get a Condotti Luggage bag when you Balance Transfer
b. 5x Citi Rewards points from selected Rewards categories
c. Low interest rate starting at 15% per annum
4. UOB LADY'S CLASSIC CARD
a. Up to 10% cashback on grocery transactions at selected merchants
b. Earn 3x UNIRM reward points with every RM1 spent at selected Department Stores
c. Complimentary access at True Fitness*
信用卡主要用途：TRAVEL
1. STANDARD CHARTERED WORLDMILES CARD
a. Earn WorldMiles Points from retail spending
b. Convert WorldMiles Points into MAS, Singapore Airlines, or AirAsia miles
2. AMBANK VISA INFINITE
a. AmBonus Points for air miles, international airport services, and travel accident insurance
3. CITIBANK REWARDS PLATINUM CARD
a. Get a Condotti Luggage bag when you Balance Transfer
b. 5x Citi Rewards points from selected Rewards categories
c. Low interest rate starting at 15% per annum
4. RHB TRAVEL MONEY
a. Up to 5% cashback at all petrol stations nationwide
b. Convert Rewards Points into Enrich Miles or KrisFlyer Miles
信用卡主要用途是：PETROL
1. MAYBANK VISA SIGNATURE
a. 5% Cashback for Petrol and Grocery Spend
b. 1x Treatspoint for every RM1 spend on others
c. Enjoy complimentary Premium Airport Lounge access and other complimentary services
2. STANDARD CHARTERED JUSTONE
a. Petrol savings of up to RM840 a year at all stations
3. RHB TRAVEL MONEY
a. Up to 5% cashback at all petrol stations nationwide
b. Convert Rewards Points into Enrich Miles or KrisFlyer Miles
4. HSBC AMANAH MPOWER PLATINUM CREDIT CARD-i
a. Up to 8% cashback everyday on your spending on petrol and groceries
b. 0% balance transfer for 6 months with your new credit card
c. Up to 0.2% cashback on all local spending
信用卡主要用途是：CASHBACK
1. MAYBANK VISA SIGNATURE
a. 5% Cashback for Petrol and Grocery Spend
b. 1x Treatspoint for every RM1 spend on others
c. Enjoy complimentary Premium Airport Lounge access and other complimentary services
2. UOB ONE CARD CLASSIC
a. 2% cashback every weekday at all petrol stations
b. Up to 5% cashback every month at all petrol stations
c. 1% cashback every weekday at Tesco, AEON Big, Giant, Cold Storage, and Jaya Grocer
d. Up to 2% cashback every month at Tesco, AEON Big, Carrefour, Giant, Cold Storage and Pasar Raya Jaya Grocer
e. 0.2% cashback every day
f. 1% cashback every weekday on Maxis, Celcom, and DiGi bills
g. Up to 2% cashback every month on Maxis, Celcom, and DiGi bills
h. 2% cashback every weekday at Golden Screen Cinemas
i. 5% cashback every weekend at Golden Screen Cinemas
3. CITIBANK CASH BACK PLATINUM
a. Up to 5% cashback per month
b. Up to 2% cashback per month at Giant, AEON Big (formerly known as Carrefour), Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin
c. Up to 2% cashback per month at Guardians, Watsons and Caring
d. Maxis / DiGi / Celcom bill: Up to 2% cashback per month
e. Astro bill: Up to 0.3% cashback per month
f. Municipal council bill: Up to 0.3% cashback per month
g. Up to 0.3% cashback per month
4. HSBC AMANAH MPOWER PLATINUM CREDIT CARD-i
a. Up to 8% cashback everyday on your spending on petrol and groceries
b. 0% balance transfer for 6 months with your new credit card
c. Up to 0.2% cashback on all local spending
信用卡主要用途是：DINING
1. AMBANK VISA INFINITE
a. 5 AmBonus Points for every RM1 spent overseas
2. CITIBANK REWARDS CARD
a. 5 Citi Rewards points for every RM1 spent
b. Convert 6,400 Rewards points into 1,000 Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer Airmiles, British Airways Executive Club
c. Convert 7,000 Rewards points into 1,000 MAS Enrich Airmiles
d. Convert 8,000 Rewards points into 1,000 Etihad Airways
3. MACH VISA CREDIT CARD
a. 5% cashback for every RM1 spent
4. MAYBANK 2 CARDS
a. 5% cashback on dining spend
b. 5x TreatPoints on all local and overseas spending
c. Earn 1,000 miles for every RM1,400 spent
信用卡主要用途是：REWARDS
1. MAYBANK 2 CARDS
a. 5% cashback on dining spend
b. 5x TreatPoints on all local and overseas spending
c. Earn 1,000 miles for every RM1,400 spent
2. HSBC VISA PLATINUM
a. 8x Reward Points for every RM1 spent on dining overseas
b. 5x Reward Points for every RM1 spent on dining locally
c. 8x Reward Points for every RM1 spent at participating outlets at Mid Valley Megamall and The Gardens Mall
d. 5x Reward Points for every RM1 spent at other participating malls and departmental stores
e. 1 Reward Point for every RM1 spent
3. CITIBANK REWARDS PLATINUM CARD
a. 5 Citi Rewards points for every RM1 spent
4. CITIBANK CLEAR CREDIT CARD
a. 3 Rewards Points with every RM1 spent at Sakae Sushi
b. 3 Rewards Points with every RM1 spent at Zouk Club KL
c. 3 Rewards points with every RM1 spent at Borders, GAP, Topman, Topshop, G2000, La Senza, Vincci, Quiksilver, and Roxy
注意，以上资料仅供参考，而且有些信用卡的条款或优惠已经改变，或者仅限于促销期内申请。若有兴趣，请向银行查询清楚。
部分资讯源自网络
