Kad Kredit Runcit Terbaik

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.

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.