Best Credit Card Deals And Promos This Season

Best Credit Card Deals And Promos This Season

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

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

So, without further ado, here are the best deals that will allow you to spend and save this season.

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Food and dining

With the Mid-Autumn Festival around the corner, you’ll want to stock up on mooncakes. But these little calorie bombs aren’t just bad for your waistline – they can hit your wallet pretty hard as well.

Luckily, with these credit card deals, you won’t have to pay full price for mooncakes:

HSBC mooncake deals

This season, HSBC is offering up to 20% off for mooncakes. Scroll below to view the best discounts, or click here for a full list of participating outlets.

 PromotionExpiry
Caffe Cino, Hilton Kuching20% off baked mooncake with minimum purchase of one box13/09/2019
The Food Store, DoubleTree Kuala Lumpur15% off baked mooncake with minimum purchase of one box20/09/2019
The Food Store, DoubleTree Resort by Hilton Penang20% off baked mooncake with minimum purchase of one box15/09/2019
Hilton Kota Kinabalu20% off baked mooncake with minimum purchase of one box30/09/2019
Toh Yuen, Hilton Petaling Jaya- 15% off baked mooncake with minimum purchase of one box
- 20% off baked mooncake with minimum purchase of five boxes
22/09/2019
Grand Imperial20% off baked mooncake13/09/2019
HSBC Visa Signature Card

HSBC Visa Signature Card

Up to 8x Reward Points when you spend!

Complimentary Premium Lounge Access in Malaysia, Singapore and Hong Kong

Citibank mooncake deals

Citibank offers up to 50% off for your second box of mooncake, and up to 20% off when you buy a single box. Click here for a full list of participating outlets.

 PromotionExpiry
Spring GardenEvery 2nd box at 50% off15/09/2019
Tai ThongEvery 2nd box at 50% off15/09/2019
Komugi10% off every box of mooncake15/09/2019
Ming Xiang Tai- 20% + 5% off mooncakes combo tea set
- 10% off a box of four mooncakes
- 10% off each pair of handmade Golden Pig mooncakes
15/09/2019
Yue, Sheraton Petaling Jaya15% off on any mooncakes13/09/2019
Le Mei, Le Meridien Putrajaya20% off on a box of four mooncakes13/09/2019
Citi Simplicity+ Credit Card

Citi Simplicity+ Credit Card

Get up to 10% rebate on your purchases

No annual fees!

Citibank mooncake deals

Citibank offers up to 50% off for your second box of mooncake, and up to 20% off when you buy a single box. Click here for a full list of participating outlets.

Maybank mooncake deals

Buying mooncakes in bulk for an event? Maybank is offering deep discounts for large purchases (we’re talking 10 to 100 boxes) when you pay with your Maybank credit or debit card. Click here for a full list of participating outlets.

 PromotionExpiry
Tai Thong50% off every second box of mooncake only13/09/2019
Empire Hotel20% off any purchase of one box of baked skin mooncake13/09/2019
The Westin, KL10% off purchases of one to 19 boxes13/09/2019
Corus Hotel, KL20% off any purchase of one box of mooncake13/09/2019
Grand Imperial Group20% off any purchase of one box of mooncake13/09/2019
Le Meridien, Putrajaya20% off any purchase of one box of mooncake13/09/2019
Pullman, KL20% off13/09/2019
Sheraton, KL20% off any purchase of mooncake13/09/2019

Shopping

Featured deal: Spend for a chance to win RM1,000,000!

From now until September 30 2019, the more you spend with your Maybank American Express card, the higher your chances of winning RM1,000,000 in cash.

To join, you’ll have to register by SMS: Type AMEX (space) 12-digit NRIC Number and send to 66628.

Plus, when you spend a minimum of RM100 within 60 days on your new Maybank American Express card, you’ll get 10 entries to win the million-dollar prize!

Maybank 2 Cards

Maybank 2 Cards

Get 5% cashback on all weekend transactions

And up to 5x TreatPoints for local and overseas spending!

Other credit card shopping deals

Spend a lot of time browsing online shopping sites? These credit cards offer discounts when you shop on Shopee.

Shopee
Credit cardPromotionExpiry
CIMBRM14 off every Friday
Promo code: VISAFRI14
31/12/2019
CitiUp to 45% off
Discount applicable for selected products: https://shopee.com.my/collections/229983
30/9/2019
15% off with minimum spend of RM200
Valid every Wednesday only
Promo code: CITIWED
25/3/2020
UOBRM15 off with minimum spend of RM60 (new users)
Valid every Thursday only
Promo code: UOBTHURS15
Shop via: https://shopee.com.my/events3/code/215443077

RM20 off with minimum spend of RM140 (existing users)
Valid every Thursday only
Promo code: UOBTHURS20
Shop via: https://shopee.com.my/events3/code/215443077
2/1/2020

Planning on shopping for clothes? Skip the long queues and crowded fitting rooms with these Zalora promo codes.

Zalora
Credit cardPromotionExpiry
AFFINBANK20% off with minimum spend of RM150
Promo code: AFFINFFS
31/12/2019
Bank Islam20% off with minimum spend of RM150
Promo code: BIGREAT
31/12/2019
BSN20% off with minimum spend of RM150
Promo code: BNSGREAT
31/12/2019
Citi45% off with minimum spend of RM350 (new users)
Promo code: CITINEW45

22% off with minimum spend of RM250 (existing users)
Promo code: CITI250
30/9/2019
Hong Leong Bank28% off with minimum spend of RM350 (new users)
Promo code: HLBNEW

25% off with minimum spend of RM250 (existing users)
Promo code: HLBFFS
Shop via https://www.zalora.com.my/hlbffs
31/12/2019
OCBC28% off (new users)
Promo code: NEWOCBC

20% off with minimum spend of RM150 (existing users)
Promo code: OCBC150
Shop via: http://www.zalora.com.my/ocbc
31/12/2019
Public Bank20% off with minimum spend of RM180
Promo code: “PBBSALE”
Shop via: http://www.zalora.com.my/pbbsale
30/9/2019
UOB30% off with minimum spend of RM200 (new users)
Promo code: UOBNEW

22% off with minimum spend of RM220 (existing users)
Promo code: UOB220
Shop via https://www.zalora.com.my/?vc=UOB220
31/12/2019

Travel

Featured deal: Spend and stand a chance to win a trip to a Wonder of the World!

From now until October 31 2019, the more you spend with your Maybank Mastercard card, the higher your chances of winning a holiday package for two, to one of the eight wonders of the world.

To join you’ll have to register by SMS: Type MASTER (space) 12-digit NRIC Number and send to 66628.

Spend a minimum of RM100 within 60 days on your new Maybank Mastercard card to get 10 entries to stand a chance to win!

Featured deal: Spend and stand a chance to win a trip to Japan!

Got a Visa card instead? No worries. From now until October 31 2019, the more you spend with your Maybank Visa card, the higher your chances of winning a trip for two to Tokyo, Japan.

To join you’ll have to register by SMS: Type VISA (space) 12-digit NRIC Number and send to 66628.

Spend a minimum of RM100 within 60 days on your new Maybank Visa card to get 10 entries to stand a chance to win!

Maybank Visa Signature

Maybank Visa Signature

Get 5% cashback when you spend on groceries and petrol

No annual fee for your first year

Other credit card travel deals

Want to shave off the cost of travelling? These credit card promotions will help you stretch your ringgit when making holiday plans.

Credit cardPromotionExpiry
AEON MastercardExpedia: 10% off hotel bookings
Booking must be made via www.expedia.com.my/mastercard
Promo code: MCEXP12
31/12/2019
Alliance Bank MastercardHotels.com: 12% off hotel bookings
Booking must be made via http://www.hotels.com/savemastercard
Promo code: USEMASTERCARD
30/9/2019
CIMBBooking.com: Up to 10% cashback on hotel bookings
Booking must be made via http://sp.booking.com/cimbmybook10
31/12/2019
Trip.com: 8% off hotel bookings
Booking must be made via https://my.trip.com/g/324/mycimb2019.html
Promo code: CIMB8MY
31/12/2019
Agoda: 7% off hotel bookings
Booking must be made via https://www.agoda.com/cimb
31/12/2019
CitiAgoda: 8% off China, Singapore hotel bookings
Booking must be made via https://www.agoda.com/citibankmy
30/9/2019
Trip.com: 8% off hotel bookings
Booking must be made via https://my.trip.com/g/655/myciti2019.html
Promo code: CITI8MY
31/12/2019
Hong Leong BankExpedia: 9% off hotel bookings
Booking must be made via https://www.expedia.com.my/hlb
Promo code: HLBEXPMY19
31/12/2019
HSBCAgoda: 10% off hotel bookings
Booking must be made via http://www.agoda.com/hna10
30/9/2019
Expedia: Up to 10% off hotel bookings
Booking must be made via https://www.homeandaway.hsbc.com/1/2/hna2/global-partner/tl/expedia/all
31/12/2019
MaybankAgoda: Up to 7% off hotel bookings
Booking must be made via www.agoda.com/maybank
31/12/2019
Expedia: 9% off hotel bookings
Booking must be made via: http://www.expedia.com.my/maybank
Promo code: MBBEXPMY19
31/12/2019
Trip.com: 8% off hotel bookings
Promo code: MBM8TRIP
31/12/2019
OCBCExpedia: 9% off hotel bookings
Booking must be made via: http://www.expedia.com.my/ocbc
Promo code: OCBCEXPMY19
31/12/2019
OCBC (Mastercard)Hotels.com: 12% off hotel bookings
Booking must be made via: http://www.hotels.com/savemastercard
Promo code: USEMASTERCARD
30/9/2019
Public BankExpedia: 10% off hotel bookings
Booking must be made via: http://www.expedia.com.my/pb
Promo code: PBEXPAUG19
30/9/2019
Expedia: 9% off hotel bookings
Booking must be made via: http://www.expedia.com.my/pb
Promo code: PBEXPMY19
31/12/2019
Malindo Air: 25% off Business Class, 10% off Economy Class
Promo code: PBMALINDO
Limited to first 2,000 redemptions
30/9/2019
RHBAgoda: 7% off hotel bookings
Booking must be made via: www.agoda.com/rhb
31/12/2019
Expedia: 9% off hotel bookings
Booking must be made via: https://www.expedia.com.my/rhb
Promo code: RHBEXPMY19
31/12/2019
Standard CharteredAgoda: 7% off hotel bookings
Booking must be made via: www.agoda.com/scbmy
31/12/2019
Expedia: 9% off hotel bookings
Booking must be made via: http://www.expedia.com.my/scb
Promo code: SCMY10
Hotels.com: 10% off hotel bookings
Booking must be made via: https://www.hotels.com/hotel-deals/scb-my-en
Promo code: SCBMY10
31/12/2019
UOBAgoda: Up to 7% off hotel bookings
Booking must be made via http://www.agoda.com/uobmy
31/12/2019
Booking.com: Up to 10% off hotel bookings
Booking must be made via http://booking.com/UOBGroup
31/5/2020
Expedia: 10% off hotel bookings
Booking must be made via http://www.expedia.com.my/uob
Promo code: UOBEXPMY191
31/12/2019
Hotels.com: 8% off hotel bookings
Booking must be made via: https://www.hotels.com/uob-my
Promo code: UOBYRO
31/12/2019

But remember: try not to overspend!

While owning a credit card allows you to make purchases when you are short on funds, it can seriously threaten your wallet if you don’t watch your limit.

Avoid increasing your spending limit as you could end up overspending. Impulse purchases are your friends. They may seem ideal for now, you could end up deep in debt long-term. You can read further about the dangers of an increased limit here.

Former Deputy Finance Minister Datuk Lee Chee Leong revealed that 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!

However, with the right ground rules, you can still retain your financial health.

Here are a few tips you can practice:

Spend what you can afford to 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 trick is to spend within your means. If you stick to your budget while taking advantage of the credit card benefits, you’ll be able to spend and save.

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