Awesome Deals You Can Get With Your Credit Card

Awesome Deals You Can Get With Your Credit Card

While many consider their credit card(s) as a contingency plan when running low on funds, these little plastic friends are loaded with awesome deals that could help you save on the little things in life (such as yummy dinners or retail therapy).

If you’re afraid of the surcharges when making the swipe, fret not, just take note that Bank Negara Malaysia has clarified that retailers are not allowed to impose such fees.

So, without further ado, here are the current deals that’ll allow you to spend and save.

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Overview of the top three cards  

Before we dive into the details, let’s check out which credit cards you should stash in your wallet.

We’ve narrowed down the top three cards with benefits handy for the avid driver to the enthusiastic shopper.

Personality type CardPerks
The average family guy

You find yourself stocking up on groceries and
eating at home
more often than going out.
You have a car but
at the same time, driving isn’t your
cup of tea.
Citibank Citi Clear Credit Card• 1-for-1 free
TGV and GSC movie tickets every Friday.
• 1-for-1 drinks at Coffee Bean
and Tea Leaf from Monday until Friday
.
The avid driver

You spend more
on fuel than on anything else, and you love long-distance driving.
HSBC Amanah MPower Visa Platinum Credit Card-i

8% cashbackat Shell, Caltex, Petronas
and BHP if total monthly spending
is RM2,001 and above.
(2% cashback if
total monthly spending is
RM2,000 and below).

0.2% cashback on local spending
on entertainment, dining and shopping.

8% cashback at Giant, Tesco, AEON Big
and Mydin if total monthly spending
is RM2,001 and above
(2% for RM2,000 spending
and below).
The shopaholic

You are often spotted at the mall on the hunt for deals because want to
be rewarded every time you spend.
Maybank 2 Cards• Earn 5x TreatsPoints in Malaysia or Overseas.

• Get 5% weekend cashback (spending cap of RM50 per month).

• Converts 7,000 TreatsPoints into 1,000 Enrich Miles.

Now, once you’ve decided which one you’d like to sign up for, it’s time to swipe it wisely with these deals that we’ve lined up for you.

1. Beautiful skin with Philosophy skincare

philosophy skincare

Pamper yourself with Philosophy, a prominent American skincare brand that has won the hearts of beauty fanatics. Their best-selling products include the Purity 3-in-1 cleanser, Microdelivery Vit C Peel Kit and Reneweed Hope In A Jar moisturiser.

With Maybank, you can enjoy a complimentary deluxe size (up to 30 ml) with any purchase of a Philosophy product!

Terms and conditions

  • Promotion is valid from May 1 until October 31, 2018.
  • Payment must be made with a Maybank/ Maybank Islamic MasterCard, Visa, American Express Card, Debit or Prepaid Card.
  • Offers cannot be exchanged for cash or used in conjunction with other promotions/offers, coupons/vouchers and loyalty/ privilege cards.

Maybank 2 Cards

Maybank 2 Cards

Up to 5% cashback on weekend retail transactions

Earn 5x TreatsPoints in Malaysia or Overseas

2. Save money and book your vacation with Expedia

Hong Kong

It’s always good to get away from home once in a while and explore cultures of other countries. However, finding a good hotel to bunk in could cost you but now, you can save your hotel bookings when you book with Expedia!

With your HSBC credit card, you can enjoy:

  • 10% off when you book for hotels in Hong Kong, Macau, India, Indonesia, Singapore and Vietnam.
  • 9% off hotel bookings for Taiwan.
  • 8% off hotel bookings the Philippines.

Just use the promo code HSBCEXPMY18 when you book through http://www.expedia.com.my/hsbc. The code is valid until 31 December 2018.

Terms and Conditions:

  • Stay Period until March 31, 2019
  • Bookings must be made through the relevant merchant website (as above) to enjoy the offer.
  • The offers cannot be used in conjunction with any other discounts, promotions, discounted items and fixed-price items (unless specified).

Click here to find out more.

HSBC Amanah MPower Visa Platinum Credit Card-i

HSBC Amanah MPower Visa Platinum Credit Card-i

Get up to 8% cashback everyday on your petrol and groceries spending!

RM250 Cash Back* with this credit card via iMoney

3. Stay trendy and shop with discounts on Zalora

Zalora Maybank

Zalora, which is dubbed as Asia’s leading online fashion destination, is set to roll out their Hari Raya collections soon which means it’s time to get shopping.

You can shop the wide range of brands and collections for the upcoming festivities and enjoy with 22% off your purchase when you spend a minimum of RM250 from April 26 until 17 June 2018 – use the promo code MBB22 and pay with any Maybank card to enjoy the discount.

Additionally, Zalora is also holding a year-long promotion with for Maybank cardholders where shoppers can enjoy 18% off with a minimum spend of RM120 from now until February 28 2019! Just use promo code MBB2018 to redeem your discount.

Terms and conditions

  • Valid on the Zalora’s mobile app and website.
  • Payment must be made with a Maybank/Maybank Islamic Mastercard®, Visa, American Express® Card, Debit or Prepaid Card.
  • Cardmembers are required to enter their Maybank Card numbers and promo code at the point of checkout.
  • Brand and item exclusions apply.
  • Not valid for use in conjunction with other promo codes and cannot be exchanged for cash.
  • Delivery is within Malaysia only.

For more information click here.

Citi Clear Credit Card

Citi Clear Credit Card

Enjoy Friday 1-for-1 FREE TGV and GSC movie tickets!

50% Cashback on the first three retail purchases up to RM300

4. Upgrade your watch wardrobe at City Chain

HSBC City Chain Credit Card Promotion

Is it time to change your watch? Why not check out the elegance of OBAKU watches, which are known as minimal, compact and long-lasting for man or woman.

You can enjoy 60% off when you opt to buy the OBAKU watch model V203LXVWMV (as shown in picture) at City Chain with any HSBC/HSBC Amanah credit card.

However, you can also get 10% off Solvil et Titus watches!

Terms and conditions

  • Offers are not valid with any other on-going promotions, offers, loyalty programs, vouchers and/or discounts, except for the simultaneous use of the offers herein.
  • Offers are applicable to all HSBC/HSBC Amanah debit/credit cards/-i.
  • The OBAKU watch model V203LXVWMV is subject to availability, on a first come, first served basis.
  • City Chain reserves the right to replace the selected OBAKU model with any OBAKU model of equivalent value while stocks last.
  • City Chain Terms & Conditions apply.

5. Visit the good ol’ zoo with the family

Zoo negara malaysia

Take your family out for a fun weekend at Malaysia’s famous Zoo Negara! You’ll be able to see and learn about more than 5,000 specimen of mammals, birds, reptiles, amphibians and also, check out the adorable pandas!

Maybank cardholders can enjoy 10% off admission tickets from now until April 30, 2019! There is also a family package for 2 adults and 2 children for RM100 (normally priced at RM120!)

Terms and conditions

  • Purchase of tickets must be made at Counter 6.
  • Payment must be made with a Maybank/ Maybank Islamic MasterCard, Visa, Debit or Prepaid Card.
  • Offers cannot be exchanged for cash or used in conjunction with other promotions/offers, coupons/vouchers and loyalty/ privilege cards.

Address: Zoo Negara, Hulu Kelang, 68000 Ampang, Selangor

6. Eat out in style at SPG Hotels and Resorts

Looking for a dinner date that won’t break the bank? Take advantage of CIMB and Maybank credit cards and visit SPG Hotels and Resorts. These cover a range of hotel restaurants across the Malaysia, ranging from the Sheraton Imperial Kuala Lumpur to Le Méridien Kota Kinabalu

Get up to 40% off your food and beverage bill when eating at a participating establishment until 31 December 2018. Just remember to pay with your CIMB or Maybank issued credit or debit card.

Terms and conditions

  • This offer is valid for a maximum of 10 diners in a single receipt.
  • 40% discount is not applicable on eve of public holidays and on public holidays.
  • This offer is not valid for purchase of alcohol and tobacco, and offer cannot be used in conjunction with other promotional programmes, offers, discounts, vouchers or privilege cards.
  • Refer to either CIMB or Maybank for a full list of participating outlets.

7. Get RM15 off your next Lazada purchase

You’re going to be shopping online anyway, so why not get a discount? Lazada is offering RM15 off purchases made using a Maybank credit/debit card through the Lazada mobile app.

The promo code SCMBBWED can only be applied on Wednesdays, but lasts until 26 December (the last Wednesday of the year).

Terms and conditions

  • Valid on Lazada’s mobile app only.
  • Minimum spend of RM180.
  • Voucher Code is applicable to the first 1,000 redemptions per Wednesday.
  • Product exclusion may apply and delivery is within Malaysia only.
  • Offer cannot be exchanged for cash or used in conjunction/ combination with other voucher codes and 0% EzyPay Instalment Plan.

But remember: try not to overspend!

While owning a credit card allows you to make purchases when you don’t have enough funds for the month, it can pose a serious threat to your earnings if you don’t watch your limit.

Avoid increasing your spending limit as you could end up overspending. Impulse purchases are your fiend, not your friend because it may seem ideal for now, but you could end up deep in debt long-term. You can read further about the dangers of an increased limit here.

Furthermore, last year, Deputy Finance Minister Datuk Lee Chee Leong revealed Malaysians had an outstanding balance of RM36.8 billion on their credit cards.

He stated a total of 845 people were declared bankrupt due to unpaid card debt in the first half of 2017!

Fret not, with the right ground rules, you can still retain your financial health.

Here are a few tips you can practice:

  • Spend what you can pay

Avoid using your card for items you cannot afford to pay back within the next month. Limit yourself to only the necessities such as groceries and fuel to avoid heavy interest rates.

  • Pay on time

Always pay your credit card on time because credit card interest is in the range of 15% to 17%, and it is revolving debt. This could also reflect on your credit score, which could affect any bank applications in the future.

  • Pick a card with rewards

If we haven’t stressed it already, cards with rebates are your best pick. You can get cashbacks on necessities you utilise monthly, as listed in the top three cards above.

Remember, the tip is to spend wisely. If you keep within your budget and take advantage of the credit card benefits, you can spend and save easily.

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