Best Online Payment Cards

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Best Online Payment Cards

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Best Online Shopping Credit Card

Internet ubiquity and an ever-increasing number of e-commerce (thanks to government initiatives) platforms in Malaysia make online shopping more accessible than ever.

Moreover, besides convenience, credit cards for online shopping with benefits or reward features like cash back on retail transactions when you shop online make online shopping worthwhile.

While all Malaysian banks offer credit cards for contactless transactions, some cards have better features for online retail purchases, including an annual fee waiver and a reasonable monthly spend cap.

So, what are the best Malaysian credit cards to link to your e-wallet and gain from online spend? Keep reading to discover the best online shopping card Malaysia offers and learn more about credit card tips.

1. Affin Duo+ Visa Cash Back

The Affin Duo Visa credit card is among the best cashback credit cards available to Malaysian online shoppers. The cashback card includes a 3% cashback on all contactless transactions, including online purchases, up to an RM100 monthly cashback cap.

Besides online transactions, the cashback on the card applies to e-wallet top-ups and auto-billing transactions. However, the monthly rewards in cashback for auto-billing and e-wallet top-ups range from RM30 to RM50.

Additionally, the card includes reward points whereby cardholders earn 3X rewards points for the airline, e-commerce, and overseas transactions.

Other features that make this the best cashback credit card for online spend include an annual fee waiver for the first three years, no minimum spend, and a relatively low minimum income requirement at RM2000 annually.

2. AEON BIG Visa Gold

The AEON BIG Visa gold card has fantastic monthly rewards, placing it among the best credit cards for contactless payments. Its monthly rewards include a 2% cashback when you shop online with an RM30 overall monthly cashback cap on your online spend.

Additionally, the AEON BIG Visa Gold cardholders receive a 5% cashback (among the highest rates for cashback cards) reward on the AEON BIG thank you members’ day.

Another benefit that makes this card one of the best options for online shopping is the generous AEON rewards points program. Cardholders earn 2x AEON reward points on regular monthly spending and 4x reward points on the AEON BIG thank you members’ day. 

Also, cardholders receive Plaza Premium Lounge access thrice a year and RM200,000 travel insurance. The travel insurance and lounge access benefits are particularly helpful for shoppers who travel often.

Other rewards when you shop online with the AEON BIG card include no annual fee or minimum monthly spend.

3. RHB Visa Signature

The RHB Visa Signature is a genuinely useful credit card, doubling as a travel and lifestyle card. It offers up to 6% cash back on local online spend and up to 2% on overseas spending, based on a three-tier system of total monthly spending.

Moreover, cardholders earn redeemable non-expiry RHB loyalty reward points.

Besides rewards based on the monthly minimum spend, the RHB Visa Signature card offers exclusive access to airport lounges, including Plaza Premium Lounge.

The card earns cardholders that spend online 5x access to Plaza Premium Lounge annually and a 25% discount on subsequent visits after exhausting the 5x access offer. Its features make it a strong contender for the best credit card for online shopping Malaysia offers.

Choose One Now


A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

Today, consumers often use credit cards as payment for their purchases since they are convenient and often come with benefits and incentives that can result in additional discounts for cardholders. With a wide variety of these cards with various advantages, you might ask how to pick the ideal one for your financial needs. We have collected the following FAQ to enable you to understand the most relevant questions regards credit cards, including user conditions, interest rates, and primary payment terms.

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.

Credit cards are lines of credit lending institutions that extend to qualified cardholders, allowing the latter to spend borrowed money and pay it back in installments.

However, unlike traditional credit facilities like bank home loans, credit cards include rewards like cashback to incentivize potential cardholders.

Nonetheless, cardholders only receive the rewards if they use funds from the card for authorized credit categories, including online shopping.

Therefore, an online shopping credit card is a credit facility that allows Malaysian online shoppers to earn rewards while they shop locally or overseas. An online shopping credit card offers the highest rewards and privileges for online shopping.

However, the best credit card online shopping typically features lower rewards for other shopping categories, including dining, in-store shopping, fuel, groceries, entertainment, and utilities.

A card optimized for online shopping has various benefits for the cardholder. One of the primary benefits of online shopping is convenience, but the delivery fees e-commerce platforms charge can be hefty.

However, certain rewards on online shopping cards can help you recoup delivery fees. For example, the Public Bank Visa Signature is among the cashback credit cards with a 3% cashback rate. 

As a cardholder, you automatically receive the cashback amount credited to your card statement once you hit the minimum monthly spend for contactless transactions.

Besides cashback, online shopping credit cards offer reward points when you shop online or transfer funds to your e-wallet. You can redeem the points for more goods available online. 

For example, the CIMB e-credit card offers 12X pints for all contactless transactions and 3X reward points on food delivery. Additionally, you can use the rewards points to pay for goods and services among participating merchants worldwide.

Third, some cashback credit cards offer exclusive access to participating outlets and facilities, including the Plaza Premium Lounge. Therefore, having an online shopping card will save you money on your monthly expenditure, among other benefits.

Online shopping credit card requirements vary across lending institutions. However, one government directive highlights the following as the basic eligibility criteria for online shopping credit cards in Malaysia.
  • Every principal cardholder must be at least 21, while a supplementary cardholder must be 18.
  • A principal holder applying for online shopping cash back credit cards must earn at least RM24000 annually.
  • Credit card applicants must submit prerequisite application documents, including an identification card and payslips.

1. Card Fees/ annual fee

Most credit cards for online spend have hidden fees, including an annual fee. Lending institutions typically charge a yearly fee to cushion their investment against default risk. However, some lenders waive the annual fee entirely, while others set conditions for the annual fee waiver. 

While a waiver reduces your total monthly spend, credit cards for online spend charging an annual fee offer more rewards, including a higher cashback rate. Therefore, weigh the rewards against the annual fee cost before choosing a credit card for shopping online.

2. Individual Spending Habits

As stated earlier, while cards for online shopping may prioritize online purchases, they feature other spending categories. The rewards vary for different spending categories, with some having higher rewards than others.

Therefore, monitor your spending habits and choose a card with high cash back on your most frequented shopping categories besides online shopping.

3. Minimum Spend

The minimum spend primarily applies to cashback online shopping credit cards because it is a prerequisite to receiving the cashback amount on your statement. A high minimum spend may be higher to achieve or encourage impulse spending to receive the cashback reward.

Therefore, consider a reasonable monthly minimum spend and an equally reasonable monthly cap on cashback before applying for a card.

4. Credit Card Rewards

While cash backs are the most popular rewards for online spend, consider other benefits based on your lifestyle, including redeemable loyalty points and exclusive privileges.

For example, A Maybank card like the Shopee Visa platinum card offers zero cashback but includes up to 5X Shopee coins redeemable at numerous shopping outlets.