Best Credit Cards for Online Shopping  in Malaysia 2022

Head over to your favourite online stores and shop till you drop. Get the best credit card for online shopping to enjoy big discounts and earn cashback

Get cashback and rewards

What Is The Best Cashback Credit Card For Online Shopping?

Cashback Credit Cards for Online Shopping

We’re all used to cashback credit cards for petrol, groceries, dining, and the like. 

But as more and more Malaysians transition to doing their shopping online, it makes sense for credit cards to come with cashback benefits for online shopping and transactions – which is something we consumers should be taking advantage of.

Standard Chartered JustOne Platinum MasterCard

Standard Chartered JustOne Platinum Mastercard

Cashback: Up to 15% cashback for petrol, online, grocery and e-wallet; capped up to RM60
Minimum income requirement: RM36,000/year (RM3,000/month)
Annual fee: RM250 (first year free for new customers)

This Standard Chartered credit card offers cashback on three categories: petrol, online purchases, grocery and e-wallet spends/reload. 

It is a tiered cashback card that gives you a different cashback rate and cap according to how much you spend per month, with the highest rate going up to 15% of cashback.

Monthly Spend Cashback Rate Monthly Cap
RM1 – RM999 0.2% RM2
RM1,000 – RM1,499 1% RM10
RM1,500 – RM2,499 5% RM20
RM2,500 and above 15% RM60

As you can see, the rate and monthly cap of Standard Chartered JustOne Platinum Mastercard get more rewarding as you spend more. 

However, if you use this credit card to pay for your bills on a regular basis (presumably to unlock the higher monthly spend cashback tiers), chances are you’ll be hitting the cashback cap even without taking your online shopping into consideration. 

Note also that while any expenditure outside of the three categories does not offer cashback, they do contribute to the minimum spend amount.



Cashback: 5% cash back for dining, online and contactless transactions (capped at RM30)
Minimum income requirement: RM36,000/year (RM3,000/month)
Annual fee: RM90 (first year free), waived when you swipe 12x per year (1x retail swipe per month)

This UOB credit card offers cashback for dining, online (non-e-wallet & e-wallet included) and contactless transactions.

The cashback is capped at RM30 a month for dining, online and contactless transactions, so if you spend a lot on these three areas, you may just be getting a sizeable amount of cashback returns.

If that sounds like a lot of transactions just to get cashback, here's a great tip: many users regularly split their payments for things like bills into smaller sums to unlock the 10% tier. 

However, one caveat that you must know is that UOB caps its total cashback payout for each month to RM160,000 on a first-come, first-served basis. 

Cardholders are not informed when this maximum payout limit is reached, so you would have to commit to making all your transactions at the beginning of the month to increase your chances of getting your cashback.

RHB Visa Signature

RHB Visa Signature

Cashback: Up to 6% cashback for online, entertainment, and shopping; each capped at RM30
Minimum income requirement: RM80,000/year (RM6,667/month)
Annual fee: Free for life

Like the JustOne Platinum, the RHB Visa Signature cashback benefits are also tiered based on your minimum monthly spend. 

The categories eligible for cashback under this RHB credit card are shopping (clothing, departmental store, watch and jewellery), entertainment, and online. 

Each category is capped at RM30 of cashback, so you won’t have to share your online cashback quota with other categories of expenditure. 

The RHB Visa Signature cashback rates for local spending are as follows:

Monthly Spend Cashback RateMonthly Cap
RM1,000 – RM2,499 1% RM30
RM2,500 – RM3,499 2% RM30
RM3,500 & above 6% RM30

The RHB Visa Signature’s minimum spending requirements are a bit on the high side, which means this card isn't designed for the masses. 

Still, frequent travellers may find that this card’s travel perks make up for its big spending requirements. 

The RHB Visa Signature offers separate tiered cashback rewards for overseas spending of up to 2% capped at RM100 in addition to the cashback for local expenditure. 

It also gives you 5x complimentary access to Plaza Premium Lounges in Malaysia and free travel insurance with coverage up to RM600,000. 

All things considered, this is one of the few best credit cards in Malaysia which offer cashback and lounge access, and being free for life - those who can make full use of this card will find it very rewarding indeed.

Public Bank Quantum MasterCard

Public Bank Quantum Mastercard

Cashback: 5% cashback on online shopping; capped at RM30
Minimum income requirement: RM36,000/year (RM3,000/month)
Annual fee: Free for life

The Public Bank Quantum MasterCard and Visa Card come as two halves of a pair. 

The Visa gives you 5% cashback for contactless transactions; while the Quantum MasterCard offers 5% cashback on online transactions. Both cards are capped at RM30 per month.

There is no minimum spend requirement or tiered rates for this Public Bank credit card, so you'll get cashback no matter how little you spend on the card for online shopping. 

Moreover, it has a low minimum income requirement to apply and it is free for life, making it a great card to own for many people.

Public Bank Visa Signature

Public Bank Visa Signature

Cashback: 6% cashback on grocery, dining, and online purchases; capped at RM38
Minimum income requirement: RM80,000/year (RM6,667/month)
Annual fee: RM388 (first year free), waived with 12 swipes per year

The Public Bank Visa Signature offers 6% cash back on grocery, dining, and online transactions, with an overall monthly cashback cap of RM38. 

The good news is that there is no minimum spend requirement to qualify for cashback (just like the Quantum cards), and 6% capped at RM38 is a decent cashback return when taking this into consideration.

Like the RHB Visa Signature, this Public Bank credit card also offers both cashback and lounge access benefits in a single card. 

Cardholders get 2x complimentary access to any Plaza Premium Lounge in Malaysia, and also 1 VIP Point for every RM1 spent on all retail transactions. 

Lastly, while the annual fee for this card may look steep, it actually isn't difficult to qualify for the annual fee waiver.

Maybank 2 Platinum Cards

Maybank 2 Platinum Cards

Cashback: 5% on all weekend spend; capped at RM50
Minimum income requirement: RM60,000/year (RM5,000/month)
Annual fee: Free for life

The Maybank 2 Cards come in a pair: the Maybank 2 American Express and the Maybank 2 Mastercard/Visa. 

The Amex credit card is a cashback and reward card that offers 5% off on all weekend spending (including online transactions), locally and overseas; and 5x TreatsPoints for every RM1 spent on weekdays.

Please note that the 5% cashback won't be awarded for government service and utility transactions.

However, since American Express isn’t as widely accepted as Visa and Mastercard, you should check which of your favourite e-commerce websites accept Amex cards as a form of payment. 

Among the big e-commerce sites, both Lazada and Shopee do not currently accept Amex, but PrestoMall does.

One reason why this Maybank credit card is a genuinely useful credit card is because of its lack of minimum spend requirement to unlock the cashback and the bonus of 5x TreatsPoints on weekdays. 

Both the Gold and Platinum variants are free for life, but the Platinum comes with travel insurance benefits, so get the Platinum if you earn more than RM60,000 per annum.

Maybank FC Barcelona Visa Signature

Maybank FC Barcelona Visa Signature

Cashback: 1% cashback for all purchases all year long, capped at RM50
Minimum income requirement: RM48,000/year (RM4,000/month)
Annual fee: Free for life

The Maybank FC Barcelona Visa Signature is another general cashback credit card that does not have a minimum spend requirement. 

It offers a rate of 1% cash back on all purchases capped at RM50 throughout the year, except transactions on any government bodies, utilities, and e-wallet reloads.

The fact that this Maybank credit card is free for life and requires a pretty low commitment makes it even more worth keeping. 

For the rest of the year, the Maybank FC Barcelona Visa Signature can come in handy as a backup cashback credit card to fall back on when you’ve maxed out the cashback on your main go-to card.

Don’t Waste The Chance To Get Online Cashback

Online shopping credit cards that give cashback

Seasoned online shoppers are always on the lookout for promo codes, sales, and loyalty programmes on Zalora, Lazada, Shopee, and plenty of other e-commerce sites. Why not use the right cashback credit card and save even more? With the right cards, you could earn hundreds of Ringgit in cashback - without changing the way you shop.

Of course, getting yourself a credit card that’s good for online shopping doesn’t mean you need to limit yourself to just that credit card. 

The best way to score the biggest cashback returns is to have a selection of cashback cards that you can use for different purposes. For example, if you were to use the UOB YOLO Visa to get cashback for dining and online shopping, you should have another card to get cashback for your groceries and utilities – like the CIMB Cash Rebate.

If you need detailed recommendations, we also have a list of the best credit cards to pay for utilities, as well as the credit cards that offer airport lounge access for seasoned travellers.

So, start thinking about your spending patterns and begin building your cashback credit card arsenal now. 

Remember – if you get stuck, you can always use our RinggitPlus credit card comparison tool to make your decision a little easier.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product