{"id":51372,"date":"2023-03-28T14:23:27","date_gmt":"2023-03-28T06:23:27","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=51372"},"modified":"2026-02-27T16:25:52","modified_gmt":"2026-02-27T08:25:52","slug":"reward-stacking-guide","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/reward-stacking-guide","title":{"rendered":"Here’s How To Save Money With Rewards Stacking"},"content":{"rendered":"

Sure, earning rewards on your purchases won\u2019t make you rich. But it does help stretch your ringgit, save money, and gives you the opportunity to brag to friends about your savvy discount-hunting skills.<\/p>\n

Besides, earning rewards can save you more money than you think. Enter rewards stacking<\/em>. This refers to earning multiple tiers of rewards for a single purchase.<\/p>\n

For example, say you want to book a hotel on Agoda for a total of RM500. You access the site through ShopBack, a cashback platform that gives you 5% cashback on your transaction. In addition, you pay through a credit card, which gives you another 5% cashback. This could mean getting a total of RM50 in cashback!<\/p>\n

<\/span>What do you need to stack rewards?<\/span><\/h2>\n

Here\u2019s what you need in your toolbox to claim multiple rewards on each purchase.<\/p>\n

a) Credit cards<\/h3>\n

Most credit cards reward you through cashback, points or air miles.<\/p>\n

To max out your rewards, you can use your credit card to top up your eWallet. This lets you take advantage of credit card rewards, as well as your eWallet\u2019s loyalty programme. But some credit cards exclude eWallet top ups from being eligible for rewards, so just remember to read your card\u2019s fine print before you make a transaction.<\/p>\n

\"HSBC<\/div>

HSBC Amanah MPower Platinum Credit Card-i<\/a><\/h4>

Up to 8% cashback on petrol, groceries & eWallet spending<\/p>0.2% cashback on other local spending<\/em><\/div>

Apply Now<\/a><\/div><\/div><\/span><\/p>\n

\"Alliance<\/div>

Alliance Bank Platinum Card<\/a><\/h4>

Up to 8x Timeless Bonus Points for online shopping and eWallet top ups<\/p>Use your points to redeem items, vouchers and air miles<\/em><\/div>

Apply Now<\/a><\/div><\/div><\/span><\/p>\n

b) eWallets<\/h3>\n

There are tons of eWallets<\/a> in Malaysia, but only a few of them reward you for every single purchase. Here\u2019s how GrabPay<\/a>, ShopeePay<\/a> and Boost<\/a>\u2019s loyalty programmes compare:
\n\n\n\n\n\t\n\n\t\n\t\n\t
<\/td>Points earned for every RM1 spent<\/th>Points redemption<\/th>Equivalent cashback value<\/th>\n<\/tr>\n<\/thead>\n
GrabPay<\/td>0.75 to 1.5 points<\/td>500 points = RM5
\n1,000 points = RM10
\n2,000points = RM20<\/td>		0.5% to 1.5%<\/td>\n<\/tr>\n
ShopeePay<\/td>1 Shopee Coin
\n(max 150\/day and 300\/week)<\/td>		100 Shopee Coin = RM1<\/td>1%<\/td>\n<\/tr>\n
Boost<\/td>1 to 3 Boost Stars<\/td>1,000 Boost Stars = RM1<\/td>0.1% to 0.3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\nWhat\u2019s great about eWallets is that you won\u2019t only be rewarded for transactions made on its platform, but everywhere else that accepts that eWallet as a payment method. This could mean getting points for spending on petrol, groceries or other daily necessities.<\/p>\n

c) Online shopping portals<\/h3>\n

Shopping portals like ShopBack<\/a> gives you cashback of around 5% or more for a huge list of retailers, including Shopee, Lazada, Zalora, Guardian, Watsons. This means getting cashback for almost every type of purchase you make.<\/p>\n

You just need to access your retailer through ShopBack platform. After your purchase has been confirmed, your cashback will be credited into your account. You can cash out your money to a bank account any time, as long as you have a minimum of RM10.<\/p>\n

d) Loyalty programmes<\/h3>\n

Signing up for every loyalty programme that\u2019s available can be tempting, but it\u2019s not easy to keep track of multiple memberships. Besides, some programmes require you to use physical cards, which just take up valuable real estate in your wallet.<\/p>\n

So just sign up for those that offer significant savings (like a frequent flyer programme), or for those whose services you regularly spend on (such as petrol).<\/p>\n

<\/span>How to stack rewards<\/span><\/h2>\n

Okay, so what does reward stacking look like? Here are a few combinations to try.<\/p>\n

1. General purchases: credit card + eWallet + ShopBack<\/h3>\n

ShopBack offers cashback for almost every category of spending, so it\u2019s worth doing a quick search on the platform to see if it supports your retailer.<\/p>\n

Your payment method depends on your retailer, so if it accepts eWallets, you could top up your eWallet with your credit card. If it doesn\u2019t accept eWallets, just use your credit card directly.<\/p>\n

2. Dining: credit card + eWallet + Fave\/Eatigo\/cash vouchers<\/h3>\n

Looking to save on dining out? Use your credit card to top up your eWallet, then use your eWallet to purchase discounted dining offers through one of these sites.
\n\n\n\n\n\t\n\n\t\n\t\n\t
Site<\/th>Deals<\/th>eWallets accepted<\/th>\n<\/tr>\n<\/thead>\n
Fave<\/a><\/td>Discounted offers for restaurants, retail and more<\/td>GrabPay, Boost, Touch \u2018n Go<\/td>\n<\/tr>\n
Eatigo<\/a><\/td>Make restaurant reservations at discounted prices<\/td>Depends on restaurant<\/td>\n<\/tr>\n
FunNow<\/a><\/td>Discounted cash vouchers for restaurants<\/td>GrabPay<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n

3. Travel: Shopback\/credit card promo + credit card + travel booking platform\u00a0 + airline loyalty programme<\/h3>\n

If you\u2019re booking travel accommodation, try to book it through a platform like Agoda<\/a>, Booking.com<\/a> or Trip<\/a>. These sites have their own loyalty programmes that may reward you with points or cashback whenever you make a booking. You can use them to offset the cost of future bookings.<\/p>\n

You can use ShopBack to access these platforms for cashback. Alternatively, your credit card will typically give you a discount for booking through a dedicated landing page. For example, if you have a Maybank credit card, you can get 8% off your Agoda bookings<\/a>.<\/p>\n

On top of that, your credit card may also offer separate cashback, rewards or air miles on your transaction.<\/p>\n

There\u2019s also a final perk – some travel booking platforms let you connect your airline loyalty programme for free. So every time you make a booking, you\u2019ll get points or miles on programmes like AirAsia BIG<\/a> or Malaysia Airlines\u2019 Enrich Miles<\/a>.<\/p>\n

4. Petrol: credit card + eWallet + petrol loyalty programme<\/h3>\n

Most cashback credit cards will allow you to earn cashback on petrol purchases<\/a>. For example, the RHB Cash Back Credit Card<\/a> gives up to 5% cashback on petrol, dining, and groceries (plus up to 10% cashback on dining & groceries delivery).<\/p>\n

Alternatively, your favourite petrol station may accept eWallet payments. If your credit card gives you cashback for eWallet spending, use it to top up your eWallet, then use your eWallet to pay for petrol.<\/p>\n

Then pair that with the loyalty programme of the petrol brand you use the most:<\/p>\n