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.

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.

	Promotion	Expiry
Caffe Cino, Hilton Kuching	20% off baked mooncake with minimum purchase of one box	13/09/2019
The Food Store, DoubleTree Kuala Lumpur	15% off baked mooncake with minimum purchase of one box	20/09/2019
The Food Store, DoubleTree Resort by Hilton Penang	20% off baked mooncake with minimum purchase of one box	15/09/2019
Hilton Kota Kinabalu	20% off baked mooncake with minimum purchase of one box	30/09/2019
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 Imperial	20% off baked mooncake	13/09/2019

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.

	Promotion	Expiry
Spring Garden	Every 2nd box at 50% off	15/09/2019
Tai Thong	Every 2nd box at 50% off	15/09/2019
Komugi	10% off every box of mooncake	15/09/2019
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 Jaya	15% off on any mooncakes	13/09/2019
Le Mei, Le Meridien Putrajaya	20% off on a box of four mooncakes	13/09/2019

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.

	Promotion	Expiry
Tai Thong	50% off every second box of mooncake only	13/09/2019
Empire Hotel	20% off any purchase of one box of baked skin mooncake	13/09/2019
The Westin, KL	10% off purchases of one to 19 boxes	13/09/2019
Corus Hotel, KL	20% off any purchase of one box of mooncake	13/09/2019
Grand Imperial Group	20% off any purchase of one box of mooncake	13/09/2019
Le Meridien, Putrajaya	20% off any purchase of one box of mooncake	13/09/2019
Pullman, KL	20% off	13/09/2019
Sheraton, KL	20% off any purchase of mooncake	13/09/2019

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!

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 card	Promotion	Expiry
CIMB	RM14 off every Friday Promo code: VISAFRI14	31/12/2019
Citi	Up 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
UOB	RM15 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 card	Promotion	Expiry
AFFINBANK	20% off with minimum spend of RM150 Promo code: AFFINFFS	31/12/2019
Bank Islam	20% off with minimum spend of RM150 Promo code: BIGREAT	31/12/2019
BSN	20% off with minimum spend of RM150 Promo code: BNSGREAT	31/12/2019
Citi	45% 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 Bank	28% 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
OCBC	28% 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 Bank	20% off with minimum spend of RM180 Promo code: “PBBSALE” Shop via: http://www.zalora.com.my/pbbsale	30/9/2019
UOB	30% 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!

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 card	Promotion	Expiry
AEON Mastercard	Expedia: 10% off hotel bookings Booking must be made via www.expedia.com.my/mastercard Promo code: MCEXP12	31/12/2019
Alliance Bank Mastercard	Hotels.com: 12% off hotel bookings Booking must be made via http://www.hotels.com/savemastercard Promo code: USEMASTERCARD	30/9/2019
CIMB	Booking.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
Citi	Agoda: 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 Bank	Expedia: 9% off hotel bookings Booking must be made via https://www.expedia.com.my/hlb Promo code: HLBEXPMY19	31/12/2019
HSBC	Agoda: 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
Maybank	Agoda: 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
OCBC	Expedia: 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 Bank	Expedia: 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
RHB	Agoda: 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 Chartered	Agoda: 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
UOB	Agoda: 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:

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.