信用卡（Credit Card）對每一位馬來西亞人來說一點都不陌生。最重要的是，如今的信用卡一點都不會難申請。至於現在馬來西亞市場上的信用卡，簡直就是非常的多樣化。 不過，在這麼多的信用卡內，哪一張信用卡才適合我呢？這個就是一個重要的問題了！因此有許多的年輕人都在申請信用卡的時候都完全是：跟著感覺走。因此，導致許多的年輕人都為自己背下一屁卡債！ 好啦，現在小編就教教你們，如何決定那一張信用卡才適合你。當你們在申請信用卡的時候，請認定自己對信用卡的主要用途是什麼： Shopping Travel Petrol Rewards Cashback Dining （市面上有許多不同的信用卡，而提供的主要用途也是不一樣的） 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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