Best Grocery Credit Cards

in Malaysia

Grocery credit cards
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We found 94 credit card(s) for you!

Here's some popular credit cards for your reference!

Limited Offer
Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
-
Limited Offer
Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
-
Limited Offer
Min. Monthly Income
RM 2,000
Annual Fee
-
Cashback
Up to 5%
Limited Offer
Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
Up to 8%
Limited Offer
Min. Monthly Income
RM 6,000
Annual Fee
Free
Cashback
-
Limited Offer
Min. Monthly Income
RM 12,500
Annual Fee
Free
Cashback
-
Limited Offer
Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-
Limited Offer
Min. Monthly Income
RM 2,000
Annual Fee
RM 200
Cashback
-
Limited Offer
Min. Monthly Income
RM 6,667
Annual Fee
Free
Cashback
up to 6%
Limited Offer
Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
12X OCBC$
Limited Offer
Min. Monthly Income
RM 6,000
Annual Fee
Free
Cashback
10x OCBC$
Limited Offer
Min. Monthly Income
RM 6,667
Annual Fee
Free
Cashback
Up to 6%
Limited Offer
Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
Up to 10%
Limited Offer
Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-
Limited Offer
Min. Monthly Income
RM 4,000
Annual Fee
Free
Cashback
Up to 5%
Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
up to 5%
Limited Offer
Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
0% Auto-IPP

Unlimited Cash MegaBonus of 0.1% on both local and overseas retail purchases and your first-year annual fee waived.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
up to 0.1%

A shariah-compliant credit card that earns up to 8x TreatsPoints when you spend at any petrol service station nationwide.

Min. Monthly Income
RM 2,500
Annual Fee
Free
Cashback
up to 8%

Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privileges 

Min. Monthly Income
RM 8,333
Annual Fee
Free
Cashback
-

Every month you will receive up to 2% cashback from all your retail spending, and this card comes with a business-size credit limit of up to RM300,000!

Min. Monthly Income
RM 5,000
Annual Fee
RM 400
Cashback
Up to 2%

Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane!

Min. Monthly Income
RM 2,000
Annual Fee
RM 150
Cashback
-

Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally

Min. Monthly Income
RM 8,334
Annual Fee
Free
Cashback
-

Get up to 0.8% cashback on retail transactions with no maximum limit! And also receive a lifetime annual fee waiver with this card!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

You will be rewarded for all your retail spending with Reward Points, on top of getting to enjoy a 6 or 12 month interest Easy Payment Plan at 0%!

Min. Monthly Income
RM 2,000
Annual Fee
RM 160
Cashback
-

Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!

Min. Monthly Income
RM 2,000
Annual Fee
RM 50
Cashback
-

Up to 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays for every spend at PETRONAS Stations.

Min. Monthly Income
RM 2,500
Annual Fee
Free
Cashback
-

Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too!

Min. Monthly Income
RM 2,000
Annual Fee
RM 68
Cashback
-

Redeem accumulated Happy Points for BIG Points, Enrich Points, exciting gifts, retail vouchers and so much more.

Min. Monthly Income
RM 4,000
Annual Fee
Free
Cashback
-

Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!

Min. Monthly Income
RM 5,000
Annual Fee
RM 800
Cashback
-

Get preferential foreign exchange rates on outward remittances from American Express, on top of earning up to 2x Reward Points from retail spending!

Min. Monthly Income
RM 2,000
Annual Fee
RM 160
Cashback
-

Enjoy up to 10% cashback at BHPetrol petrol stations and 1 AFFIN Rewards Point for every RM1 retail spend.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
up to 10%

Up to 2x TreatsPoints from retail spending

Min. Monthly Income
RM 3,333
Annual Fee
Free
Cashback
up to 8%

Enjoy 0.6% cashback on all retail spending plus FREE Automatic Travel Insurance with coverage of up to RM350,000!

Min. Monthly Income
RM 2,000
Annual Fee
RM 75
Cashback
-

Enjoy 10x TreatsPoints at the United Direct Store, 5x TreatsPoints if Man Utd wins an EPL match and 5x TreatsPoints for retail spending.

Min. Monthly Income
RM 2,500
Annual Fee
Free
Cashback
-

You get to earn Reward Points from all your retail spending, and also enjoy a 0% interest Extended Payment Plan for 6 or 12 months!

Min. Monthly Income
RM 2,000
Annual Fee
RM 80
Cashback
-

Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
RM80 /mth

UOB ONE Card gives you unlimited cash rebates for your daily spend on groceries, petrol, telco bills, and more. The more you spend, the more you save.

Min. Monthly Income
RM 4,000
Annual Fee
RM 195
Cashback
up to 10%

 Up to 5x Membership reward points for every RM you spend

Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
-

Enjoy 1.5% unlimited cash rebate for overseas spending and 15% discount at any duty-free merchant.

Min. Monthly Income
RM 7,500
Annual Fee
Free
Cashback
-

Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection!

Min. Monthly Income
RM 2,000
Annual Fee
RM 60
Cashback
Up to 0.3%

Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!

Min. Monthly Income
RM 5,000
Annual Fee
RM 300
Cashback
Up to 6%

The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!

Min. Monthly Income
RM 2,000
Annual Fee
RM 50
Cashback
-

Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia! 

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Get up to 5% cashback on all your retail transactions at selected merchants, and you are also given exclusive dining privileges at over 1,000 merchants nationwide!

Min. Monthly Income
RM 2,000
Annual Fee
RM 68
Cashback
up to 10%

You get to earn up to 3x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!

Min. Monthly Income
RM 3,333
Annual Fee
RM 198
Cashback
RM400 /mth

Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC! 

Min. Monthly Income
RM 5,000
Annual Fee
RM 300
Cashback
-

Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!

Min. Monthly Income
RM 4,166
Annual Fee
Free
Cashback
-

Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum! 

Min. Monthly Income
RM 2,000
Annual Fee
RM 100
Cashback
Unlimited

Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Also get complete travel insurance coverage of up to RM1,000,000!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!

Min. Monthly Income
RM 5,000
Annual Fee
RM 128
Cashback
Up to 10%

This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!

Min. Monthly Income
RM 3,000
Annual Fee
RM 150
Cashback
-

Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending! 

Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
-

Your dining and travel companion that gives you 5X more rewards and 8x Airport Lounge Access after enjoying a premium ride to the airport.

Min. Monthly Income
RM 10,000
Annual Fee
Free
Cashback
-

Enjoy up to 5x TreatsPoints on weekdays and up to RM700,000 Travel Insurance Coverage when tickets are charged to your Maybank 2 Platinum Card.

Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
up to 5%

Earn up to 3% cashback on your petrol expenditure.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
RM50 /mth

Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.

Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
-

Earn 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays when you link your card and pay for fuel via CardTerus on the Setel app.

Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
-

Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Earn up to 6% cashback on retail spending at The Store and Pacific, and gain access to shopping and travel privileges too!

Min. Monthly Income
RM 2,000
Annual Fee
RM 150
Cashback
Up to 6%

Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Putting cash back into your wallet with just one card for both local and overseas spending.

Min. Monthly Income
RM 2,500
Annual Fee
Free
Cashback
up to 1.5%

Get bonus cashback when you spend upwards of RM38,000, on top of 1% cashback on all of your retail spending!

Min. Monthly Income
RM 2,000
Annual Fee
RM 160
Cashback
RM50 /mth

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
Up to 7%

Enjoy TruPoints for every RM1 spent on overseas and local spending and redeem attractive prizes through Bank Islam TruRewards Loyalty Programme.

Min. Monthly Income
RM 4,000
Annual Fee
Free
Cashback
-

Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!

Min. Monthly Income
RM 2,000
Annual Fee
RM 160
Cashback
-

Earn up to 10x Reward Points from all overseas hotel, dining, and shopping spending!

Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
-

Earn up to 5% cashback on online shopping, 1% cashback on petrol at BHPetrol stations nationwide, and up to 0.3% cashback on other retail transactions!

Min. Monthly Income
RM 2,000
Annual Fee
RM 72
Cashback
Up to 5%

Travel insurance with coverage of up to RM300,000

Min. Monthly Income
RM 2,500
Annual Fee
RM 130
Cashback
-

Enjoy 8% cashback when you spend above RM500 per month for petrol, groceries, and dining on the weekends.

Min. Monthly Income
RM 2,000
Annual Fee
RM 160
Cashback
RM100 /mth

Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000!

Min. Monthly Income
RM 5,000
Annual Fee
RM 300
Cashback
RM100 /mth

Earn Premium Points from retail spending, and receive Travel Accident Insurance with coverage of up to RM300,000!

Min. Monthly Income
RM 2,000
Annual Fee
RM 88
Cashback
-

Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Earn 5 Treats AirMiles from local and overseas retail spending 

Min. Monthly Income
RM 8,334
Annual Fee
Free
Cashback
-

Enjoy cashback and exclusive rewards with a minimum RM300 spend whilst enjoying up to 5x TreatsPoints on your weekday spend.

Min. Monthly Income
RM 2,500
Annual Fee
Free
Cashback
RM50 /mth

Earn up to 10% cashback on grocery transactions at selected merchants, and get one complimentary access at True Fitness too!

Min. Monthly Income
RM 8,334
Annual Fee
Free
Cashback
-

Enjoy free travel insurance and no annual fees.

Min. Monthly Income
RM 4,166
Annual Fee
Free
Cashback
-

Rewards and discounts for every spend at AEON across Malaysia with 1x AEON point with every RM2 spent.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
up to 5%

Though payment made easy with AEON Gold Visa / MasterCard!

Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
up to 8%

Shariah-compliant card specially forged for teachers in Malaysia. Receive rewards every time you shop while contributing 0.2% to YGMB!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM300,000!.

Min. Monthly Income
RM 4,000
Annual Fee
Free
Cashback
-

All your overseas retail spending will be rewarded with up to 2x BSN Reward points, included with Travel Accident insurance coverage of up to RM300,000!

Min. Monthly Income
RM 3,000
Annual Fee
Free
Cashback
-

This card rewards up to 2x BSN Reward points with all retail spending, and get covered with Travel Accident insurance of up to RM500,000!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Collect and redeem exciting prizes through the BSN Happy Rewards Programme - vouchers, gadgets, home appliances, and more!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

Use it at over 29 million merchants and 1 million ATMs worldwide, enjoy Happy Points and many more card facilities.

Min. Monthly Income
RM 5,000
Annual Fee
Free
Cashback
-

Taking shopping overseas to a 5x new level of TreatsPoints for every RM1 spent PLUS up to 5% cashback on all petrol and grocery spend.

Min. Monthly Income
RM 5,833
Annual Fee
Free
Cashback
up to 5%

Receive 5000 Welcome Shopee Coins after RM300 spend and enjoy up to 5x Shopee Coins for any spend on Shopee, dining, entertainment, and contactless payments.

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
-

7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!

Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
Up to 8%

Redeem 1,000 AirMiles with 5000 TreatsPoints while earning 5 TreatsPoints for every RM1 spent locally and overseas.

Min. Monthly Income
RM 8,334
Annual Fee
Free
Cashback
-

Enjoy up to 5% cashback every Friday and Saturday, and 10,000 Maybank TreatsPoints on your FIRST TIME spend with your new Maybank MasterCard Ikhwan Gold Card.

Min. Monthly Income
RM 2,500
Annual Fee
Free
Cashback
up to 5%

A money-saving credit card with 5% cashback on groceries and petrol, TreatPoints gift redemption, and no annual fee for life plus FREE Touch 'n Go Zing card!

Min. Monthly Income
RM 3,333
Annual Fee
Free
Cashback
up to 5%

Infinite Manchester privileges, 10000 Treatpoints on first spent, best air-miles, and exclusive dining, golf privileges

Min. Monthly Income
RM 8,333
Annual Fee
Free
Cashback
-
Min. Monthly Income
RM 2,000
Annual Fee
Free
Cashback
Up to 8%
Last updated: Dec 13, 2024

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FAQs Best Grocery Credit Cards in Malaysia

In a country where grocery expenses are a regular part of every household budget, Malaysians are increasingly turning to credit cards that reward them for their daily spending. With specialized grocery credit cards, shoppers can earn cashback, enjoy exclusive discounts, and accumulate rewards on every ringgit they spend on groceries. But which grocery credit cards in Malaysia offer the best perks? This article covers everything you need to know, from top recommendations to maximizing benefits, so you can make the most out of every shopping trip.

Why Choose a Grocery Credit Card in Malaysia?

With Malaysia’s growing cost of living, managing household expenses effectively is more important than ever. Grocery credit cards can be a smart choice for families and individuals who want to save money on essential purchases. These cards are designed to offer cashback or reward points on grocery shopping, making them an ideal option for frequent shoppers.

Benefits of Using a Grocery Credit Card

  • Cashback on Essentials: Many grocery credit cards provide cashback on every ringgit spent on groceries, which can add up over time.
  • Reward Points: Some cards offer reward points instead of cashback. These points can be redeemed for vouchers, merchandise, or even travel perks.
  • Exclusive Discounts: Certain credit cards provide discounts at specific grocery stores, allowing shoppers to save more with partner retailers.
  • When selecting a grocery credit card, it’s essential to choose one that aligns with your spending habits. Here are some features to keep an eye on:

    1. High Cashback Rates: Look for cards with higher cashback rates specifically for grocery transactions.
    2. Monthly Cashback Cap: Check the maximum cashback limit per month, as some cards may have caps.
    3. Low Annual Fee or Fee Waiver Options: Cards with low or waived annual fees are ideal for long-term savings.
    4. Flexible Redemption Options: Consider cards that offer flexible reward points redemption, such as vouchers for supermarkets or online shopping.
  • Here are some of the best grocery credit cards in Malaysia that offer cashback, rewards, and other perks:

    CIMB Cash Rebate Platinum Mastercard

    • Cashback Rate: Up to 5% on groceries
    • Annual Fee: RM300 (waived if minimum spend is met)
    • Notable Perks: High cashback rates on daily essentials, including groceries, with a straightforward rebate structure.

     

    Maybank 2 Cards Premier

    • Cashback Rate: Up to 8% on weekends (for AMEX card)
    • Annual Fee: RM800, but can be offset with a certain spend level
    • Notable Perks: Generous cashback rate on weekends, making it ideal for families that shop during the weekend rush.

     

    HSBC Visa Signature

    • Cashback Rate: Up to 8% for specific categories, including groceries
    • Annual Fee: RM240 (first year free, waived with minimum annual spend)
    • Notable Perks: Provides high cashback and has a low annual fee, with rewards on both weekday and weekend shopping.
  • Credit Card

    Cashback Rate

    Annual Fee

    Key Benefits

    CIMB Cash Rebate Platinum

    Up to 5%

    RM300

    High rebate on groceries

    Maybank 2 Cards Premier

    Up to 8% on AMEX

    RM800

    Cashback on weekends

    HSBC Visa Signature

    Up to 8%

    RM240

    Low annual fee, flexible rewards

    This table highlights the primary grocery credit card options in Malaysia, making it easier to compare cashback rates, fees, and features.

  • Using a grocery credit card for your family shopping trips can lead to significant savings over time. Families with children, in particular, may see substantial benefits:

    • Monthly Savings: Cashbacks and discounts on groceries reduce the monthly grocery budget.
    • Reward Points for Family Use: Points earned can be redeemed for items or vouchers beneficial to the entire family.
    • Budget Tracking: Credit cards make it easy to track spending, helping families manage their grocery budget effectively.
  • To get the most out of your grocery credit card, consider these tips:

    1. Shop at Partner Stores: Some cards offer higher cashback at specific grocery stores, so stick to those partners for extra savings.
    2. Plan Weekly or Monthly Trips: Many cards have a cap on cashback earnings per month, so plan larger shopping trips to optimize rewards.
    3. Combine with Loyalty Programs: Use grocery store loyalty cards in conjunction with your credit card to maximize savings.
  • Before applying for a grocery credit card in Malaysia, check that you meet the general eligibility requirements. These typically include:

    • Minimum Income Requirement: Most cards require an annual income of RM24,000 or higher.
    • Age Requirement: Generally, applicants must be at least 21 years old.
    • Credit History: A clean credit history is essential to qualify for these cards, as banks prefer applicants with a stable financial track record.
  • While grocery credit cards are advantageous, they come with a few considerations:

    • Monthly Caps: Most cards have a monthly cap on cashback or rewards, which can limit potential savings.
    • High Interest Rates: Carrying a balance can lead to high interest charges, which can negate the savings.
    • Specific Store Limitations: Some cards only offer rewards at specific grocery chains, which may not be convenient for everyone.
  • Pros

    • Cashbacks and rewards on essential spending
    • Great for families and frequent grocery shoppers
    • Budget tracking for household spending

    Cons

    • Cashback caps can limit overall savings
    • Higher interest rates if the balance isn’t paid in full
    • Annual fees, though often waivable, may apply
  • To make the most of your grocery credit card, it’s crucial to manage payments carefully:

    • Pay Off the Balance Each Month: Avoid interest charges by clearing the balance each month.
    • Set Spending Limits: Stick to your budget and don’t exceed what you can afford to pay back.
    • Use Cashback Wisely: Consider using cashback savings for family needs or emergency funds.
  • Most major grocery chains in Malaysia accept credit card payments, including:

    • AEON: Known for partner rewards, especially with AEON cards and co-branded cards.
    • Giant: Many credit cards offer special discounts at Giant.
    • Jaya Grocer: Commonly includes promotions for cardholders.
  • For Malaysians who shop frequently at major grocery chains, grocery credit cards can offer significant savings and rewards. However, the benefits will depend on shopping frequency, partner store availability, and personal spending habits. With responsible usage, grocery credit cards provide long-term savings on essential purchases, making them a valuable tool for budget-conscious shoppers.

  • Most grocery credit cards offer rewards at specific partner stores, though many still provide general cashback or rewards.

  • Cashback rates typically range from 3% to 10%, depending on the card and retailer.

  • Yes, but many banks waive the fee with a minimum spend or as a promotional offer.

  • Watch out for interest rates, late fees, and foreign transaction fees. Reading the terms is essential.

  • You can apply online through the bank’s website or visit a branch, provided you meet the eligibility requirements. Another convenient way is to apply online through our iMoney application form.

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