logo

Tools

  • Reward Estimator

About us

  • About Us
  • Privacy Policy
  • Terms Conditions
  • Site Map

Contact Us

Email:

duithub@gmail.com

Credit Cards

Standard Chartered Simply Cash Credit Card

Alliance Bank Visa Infinite Credit Card

RHB Islamic Premier Visa Infinite Credit Card

Alliance Bank Visa Platinum Credit Card

RHB Premier Visa Infinite Credit Card

Alliance Bank Visa Virtual Credit Card

CIMB Travel World Elite Credit Card

UOB Visa Infinite Credit Card

UOB PRVI Miles Elite Credit Card

RHB islamic Shell Visa Credit Card

CIMB PETRONAS Visa Infinite-i Credit Card

RHB Shell Visa Credit Card

Ambank Enrich Visa Infinite Credit Card

UOB World Credit Card

CIMB Preferred Visa Infinite-i Credit Card

CIMB Travel World Credit Card

CIMB Preferred Visa Infinite Credit Card

UOB One Credit Card

Affinbank BHPetrol MasterCard Credit Card

UOB One Platinum Card Credit Card

AEON Platinum Visa Credit Card

RHB Cash Back MasterCard Credit Card

RHB World MasterCard Credit Card

RHB Islamic Cash Back Credit Card

AEON Platinum MasterCard Credit Card

RHB Cash Back Visa-i Credit Card

Hong Leong Sutera Platinum Credit Card

UOB Lady's Credit Card

UOB Lady's Solitaire Credit Card

HSBC Premier World Mastercard Credit Card

RHB Visa Infinite Credit Card

AFFIN INVIKTA Visa Infinite Credit Card

AFFIN INVIKTA World Mastercard Credit Card

RHB MyEG Credit Card

Muamalat Pos Visa Infinite Credit Card

Hong Leong Wise Gold Credit Card

Muamalat Pos Visa Platinum Credit Card

HSBC Amanah MPower Platinum Credit Card

Standard Chartered Priority Banking Visa Infinite Credit Card

AmBank Cash Rebate Visa Platinum Credit Card

UOB Evol Credit Card

AEON Visa Gold Credit Card

AmBank Signature Priority Banking Visa Infinite Credit Card

CIMB PETRONAS Visa Platinum-i Credit Card

AmBank Islamic Visa Infinite Credit Card

Maybank Islamic Petronas Ikhwan Visa Platinum Credit Card

AmBank Visa Infinite Credit Card

AmBank Islamic Signature Priority Banking Visa Infinite Credit Card

Maybank Islamic American Express Platinum Credit Card

AEON MasterCard Gold Credit Card

Maybank Islamic Petronas Ikhwan Visa Gold Credit Card

AmBank Visa Infinite Metal Credit Card

HSBC Visa Signature Credit Card

RHB Rewards Motion Code Credit Card

HSBC TravelOne Credit Card

RHB Islamic Rewards Visa Credit Card

RHB Islamic Rewards Motion Code Credit Card

HSBC Visa Platinum Credit Card

RHB Rewards Visa Credit Card

HSBC Platinum Mastercard Credit Card

CIMB Travel Platinum Credit Card

CIMB Visa Infinite Credit Card

CIMB Petronas Platinum MasterCard Credit Card

CIMB Petronas Platinum-i Credit Card

CIMB World MasterCard Credit Card

RHB Visa Signature Credit Card

Standard Chartered Smart Credit Card

Maybank KrisFlyer American Express Platinum Credit Card

Standard Chartered Journey Credit Card

Maybank Mercedes Benz Card Credit Card

Maybank Islamic Ikhwan Visa Infinite Credit Card

Maybank 2 Cards Premier Credit Card

Maybank American Express Platinum Credit Card

Maybank World MasterCard Credit Card

Ambank Enrich Visa Platinum Credit Card

Maybank Islamic World Mastercard Credit Card

Maybank Visa Infinite Credit Card

Maybank Manchester United Visa Infinite Credit Card

Hong Leong Visa Infinite Credit Card

Hong Leong Visa Infinite Doctor's Edition Credit Card

Hong Leong Visa Infinite P Credit Card

Maybank 2 Gold Cards Credit Card

Maybank Islamic MasterCard Ikhwan Gold Credit Card

Bank Rakyat Platinum Explorer Credit Card

CIMB Cash Rebate Platinum MasterCard Credit Card

AEON Japan Club of Kuala Lumpur Visa Credit Card

AEON BiG Visa Classic Credit Card

Public Bank Petron Visa Gold Credit Card

AEON BiG Visa Gold Credit Card

AEON Visa Classic Credit Card

AEON MasterCard Classic Credit Card

BSN Visa Cash Back Credit Card

Maybank Islamic MasterCard Ikhwan Platinum Credit Card

AmBank Islamic Visa Platinum CARz Credit Card

Maybank Visa Signature Credit Card

Maybank 2 Platinum Cards Credit Card

UOB Lazada Credit Card

UOB PRVI Miles Credit Card

UOB Preferred Credit Card

AmBank UnionPay Platinum Credit Card

Maybank Petronas Visa Platinum Credit Card

Maybank Petronas Visa Gold Credit Card

CIMB e Credit Card Credit Card

AmBank Islamic Visa Signature Credit Card

AmBank M-Signature Cards Credit Card

AmBank Visa Signature Credit Card

Public Islamic Bank MasterCard Platinum Credit Card

Public Islamic Bank Visa Platinum Credit Card

Public Bank World MasterCard Credit Card

Hong Leong GSC Gold Visa Credit Card

Hong Leong GSC Platinum Visa Credit Card

Maybank KrisFlyer American Express Gold Credit Card

UOB Zenith Credit Card

Affinbank World MasterCard Credit Card

AFFIN Islamic World Mastercard Credit Card

AFFIN DUO Visa Cash Back Credit Card

Affin Duo Plus Visa Signature Credit Card

Affin Duo Plus Mastercard Credit Card

Public Bank Visa Signature Credit Card

Affin UKM Alumni Premier World Credit Card

Maybank Manchester United Visa Card Credit Card

AFFIN DUO Mastercard Rewards Credit Card

CIMB Visa Signature Credit Card

AFFIN AVANCE Visa Credit Card

AFFIN AVANCE Mastercard Credit Card

AFFIN AVANCE Visa Affiliate Credit Card

AFFIN AVANCE Mastercard Affiliate Credit Card

AFFIN MPN Credit Card

Affin UKM Alumni Mastercard Credit Card

AmBank Islamic Visa Platinum Credit Card

AmBank Visa Platinum Credit Card

OCBC Great Eastern Platinum Credit Card

Public Bank Visa Infinite Credit Card

Public Bank Quantum Visa Credit Card

Public Bank Quantum Mastercard Credit Card

Public Islamic Bank MasterCard Gold Credit Card

Public Islamic Bank Visa Gold Credit Card

UUM-BSN Platinum MasterCard Credit Card

BSN Classic Visa Credit Card

BSN 1 TeachersCard MasterCard Credit Card

BSN Classic MasterCard Credit Card

BSN Gold Visa Credit Card

BSN Gold Mastercard Credit Card

BSN Visa Platinum Credit Card

BSN Platinum MasterCard Credit Card

BSN G-Card Visa Credit Card

BSN islamic 1 TeachersCard MasterCard Credit Card

BSN Islamic Platinum Mastercard Credit Card

BSN Islamic G-Card Visa Credit Card

UUM-BSN Gold MasterCard Credit Card

BSN Islamic Platinum Visa Credit Card

BSN Islamic Gold Visa Credit Card

BSN Islamic Classic Visa Credit Card

BSN Islamic Classic MasterCard Credit Card

BSN Islamic Gold MasterCard Credit Card

Standard Chartered Visa Platinum Credit Card

Maybank American Express Cash Back Gold Credit Card

CIMB Platinum Credit Card

CIMB Islamic MasterCard Platinum Credit Card

Public Bank Platinum MasterCard Credit Card

HSBC Premier Travel Credit Card

Maybank Myimpact Visa Signature Credit Card

Muamalat Visa Infinite Credit Card

Muamalat Visa Platinum Credit Card

Maybank Myimpact Mastercard Platinum Credit Card

Hong Leong Essential Credit Card

Maybank FC Barcelona Visa Signature Credit Card

OCBC MasterCard Pink Credit Card

Affinbank Visa Gold Credit Card

Affinbank MasterCard Gold Credit Card

AFFIN Islamic Platinum Mastercard Credit Card

AFFIN Islamic Mastercard Gold Credit Card

Bank Islam Gold Visa Credit Card

Bank Islam Infinite Visa Credit Credit Card

Bank Islam Platinum Visa Credit Card

Bank Islam World MasterCard Credit Card

Bank Islam Platinum MasterCard Credit Card

Bank Islam Gold MasterCard Credit Card

HSBC Advance Visa Platinum Credit Card

OCBC 365 MasterCard Credit Card

OCBC World MasterCard Credit Card

OCBC Cashflo MasterCard Credit Card

HSBC Live Plus Visa Signature Credit Card

Bank Rakyat Platinum Credit Card

Bank Rakyat Kad Muslimah Credit Card

Bank Rakyat Gold Credit Card

Bank Rakyat PDRM Platinum Credit Card

Bank Rakyat PDRM Gold Credit Card

Standard Chartered Platinum MasterCard Basic Credit Card

Alliance Younique Gold Mastercard Credit Card

Alliance Bank VIsa Signature Credit Card

Public Bank Visa Platinum Credit Card

Public Bank AIA Visa Gold Credit Card

Mutual Gold Public Bank Visa Platinum Credit Card

Public Bank Gold Visa Credit Card

Public Bank Gold MasterCard Credit Card

HSBC Amanah MPower Gold Credit Card

HSBC Amanah Premier World Mastercard Credit Card

RHB islamic World MasterCard Credit Card

Hong Leong I'm Credit Card

AFFIN Islamic Mastercard Basic Credit Card

Affin Aura Credit Card

UOB Basic Credit Card

OCBC Premier Voyage MasterCard Credit Card

AmBank BonusLink Visa Signature Credit Card

OCBC MasterCard Blue Credit Card

Maybank Shopee Visa Platinum Credit Card

AmBank BonusLink Visa Platinum Credit Card

AmBank M-Platinum Cards Credit Card

AmBank M-Gold Visa Credit Card

AmBank M-Gold Mastercard Credit Card

Maybank Grab Mastercard Platinum Credit Card

Alliance Bank VIsa Basic Credit Card

UOB Simple Credit Card

2024 DuitHub | All rights reserved

Best credit card for Shopee Spending

duithub
DuitHub Editor19 Jul, 2024

When it comes to e-commerce shopping, most Malaysians who shop online are familiar with Shopee, the country's most popular e-commerce platform. While searching for rebate vouchers, free shipping vouchers, coin cashbacks, and other ways to save money, an important decision for Shopee spending is choosing the right payment method. Using the right credit card can save you extra money through credit card cashbacks, air miles rewards, or even Shopee coins. In this article, we explore several categories of credit cards that can maximize your Shopee spending experience.


Maybank Shopee Visa Platinum Credit Card

The Maybank Shopee Visa Platinum Credit Card is a co-branded card between Maybank and Shopee, targeting shoppers who spend significantly on Shopee. Each calendar month, Shopee divides the days into Normal Days and Special Days. Special Days are defined as days when Shopee runs special campaigns, such as Pay Day Sales on the 28th of every month, festival sales like Chinese New Year, Hari Raya, and single-day sales like 11.11, 1.1, 2.2, etc. Spending on Shopee during Special Days using the Maybank Shopee Visa Platinum credit card earns you 5 Shopee coins per Ringgit. For non-Shopee spending on Special Days, dining, entertainment, and other contactless transactions earn you 4 Shopee coins per Ringgit.

On Normal Days, Shopee spending, dining, entertainment, and other contactless transactions all earn 2 Shopee coins per Ringgit. For all other transactions not mentioned above, you get 1 Shopee coin per Ringgit spent. So how much is the Shopee coin worth? Each Shopee coin is worth RM0.01, so spending on Shopee during Special Days gives you a decent 5% cashback in the form of Shopee coins. Note that Shopee spending includes not just e-commerce purchases but also other services Shopee provides, such as Shopee Food, prepaid and bill payments, and many more.

The main drawback of this card is that the rewards are in the form of Shopee coins, which cannot be exchanged for cash but must be used on Shopee, but to continue spending it in Shopee. So, if you spend significantly on Shopee every month, this card can help you save more. However, if you prefer other forms of rewards, such as cashbacks or air miles, there are other credit cards to consider.


Other E-commerce and Online reward spending credit cards

Using the Duithub credit card explorer and reward estimations, we can identify some credit cards that provide decent rewards for online e-commerce spending. Let's start by looking at cashback credit cards. Although cards like the AEON Platinum Visa/Mastercard and CIMB Petronas Visa Infinite credit card offer cashback exceeding RM100 per month, they are primarily focused on food, groceries, and petrol spending.

To simplify the search for the best online e-commerce cashback card, we input RM3,000 spending into the Duithub reward estimator. The top card on the list is the Maybank Visa Signature credit card, which offers 5% cashback capped at RM88 per month for all categories except e-wallets, utilities, and government spending (so Shopee Pay reloads don’t qualify, but other Shopee spending does). The flexibility and cashback rate of the Maybank Visa Signature credit card make it a standout choice compared to most other general spending credit cards.

Another noteworthy card is the Alliance Bank Visa Signature credit card, a general spending card that includes e-wallet and utilities spending. The cashback rate depends on the total monthly spend. For example, spending below RM1,000 earns only 0.05% cashback, resulting in RM0.50. However, spending between RM2,000 and RM3,000 earns 5% cashback on the RM1,000 within that range, yielding RM50. Summarizing the total spending from each tier, RM3,000 monthly spending on Shopee earns you RM55.50 cashback.

What if you are a small spender, spending RM1,000 or less per month? Inputting RM1,000 into the Duithub reward estimator reveals four Maybank credit cards at the top of the list: Maybank Islamic American Express Platinum credit card, Maybank Visa Signature credit card, Maybank 2 Gold credit cards, and Maybank 2 Platinum credit cards, all offering 5% cashback, resulting in RM50 per month for RM1,000 spending.

Comparing the rewards from the co-branded card versus online spending credit cards, the choice is clear. If you spend primarily on Shopee Special Days, the Maybank Shopee Visa Platinum credit card, offering 5% Shopee coins without any cap, is the best choice. If you spend around RM1,000 monthly on Shopee and also shop on other online merchants, a card with 5% cashback is a better option, as it provides similar value in cash rather than Shopee coins. However, for spending RM3,000 or more, the typical cashback card’s monthly cap, usually less than RM100, limits the cashback you can earn.


Airmiles Rewards

For air miles rewards, using the Duithub reward estimator with RM3,000 spending on Shopee and optimizing for Malaysia Airlines Enrich Points, the top card is the UOB World Credit card, which rewards you with 2,400 miles points. Valuing Enrich points at RM0.087 per point, this equates to a 7% cashback in terms of reward value. Note that full redemption of miles is in units of 1,000 miles, so the calculation is an example to show that a good reward credit card can offer more than a cashback credit card with a good strategy.


Summary

This article presents a few credit cards that can help you save more on your Shopee spending. The best card for Shopee spending depends on your total spending amount and the type of rewards you prefer. Heavy Shopee spenders should opt for the Maybank Shopee Visa Platinum credit card, while other online spending credit cards offer decent cashbacks or air miles.