Best Credit Card Deals And Promos This Season

Credit card promotion

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.

[table id=1261 /]

[product name=”HSBC Visa Signature Card” image=”https://www.imoney.my/sites/default/files/hsbc%20credit%20card%20visa%20signature_0.png” feature=”Complimentary Premium Lounge Access in Malaysia, Singapore and Hong Kong” link=”https://www.imoney.my/credit-card/hsbc/visa-signature-card?src=credit-card-promo” target=”_blank” positionlink=”mid_1_text_cc_product” cta=”https://www.imoney.my/credit-card/hsbc/visa-signature-card?src=credit-card-promo” target=”_blank” positionbutton=”mid_1_text_cc_product”]Up to 8x Reward Points when you spend![/product]

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.

[table id=1262 /]

[product name=”Citi Simplicity+ Credit Card” image=”https://www.imoney.my/sites/default/files/simplicity-cardface_175x110.png” feature=”No annual fees!” link=”https://www.imoney.my/credit-card/citibank/simplicity-plus-credit-card?src=credit-card-promo” target=”_blank” positionlink=”mid_1_text_cc_product” cta=”https://www.imoney.my/credit-card/citibank/simplicity-plus-credit-card?src=credit-card-promo” target=”_blank” positionbutton=”mid_1_text_cc_product”]Get up to 10% rebate on your purchases[/product]

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.

[table id=1263 /]

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!

[product name=”Maybank 2 Cards” image=”https://www.imoney.my/sites/default/files/maybankard-2-gold-card.png” feature=”And up to 5x TreatPoints for local and overseas spending!” link=”https://www.imoney.my/credit-card/maybank/2-cards?src=credit-card-promo” target=”_blank” positionlink=”mid_1_text_cc_product” cta=”https://www.imoney.my/credit-card/maybank/2-cards?src=credit-card-promo” target=”_blank” positionbutton=”mid_1_text_cc_product”]Get 5% cashback on all weekend transactions[/product]

Other credit card shopping deals

Spend a lot of time browsing online shopping sites? These credit cards offer discounts when you shop on Shopee.

[table id=1265 /]

Planning on shopping for clothes? Skip the long queues and crowded fitting rooms with these Zalora promo codes.

[table id=1266 /]

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!

[product name=”Maybank Visa Signature” image=”https://www.imoney.my/sites/default/files/maybank_visa_signature_0.png” feature=”No annual fee for your first year” link=”https://www.imoney.my/credit-card/maybank/visa-signature?src=credit-card-promo” target=”_blank” positionlink=”mid_1_text_cc_product” cta=”https://www.imoney.my/credit-card/maybank/visa-signature?src=credit-card-promo” target=”_blank” positionbutton=”mid_1_text_cc_product”]Get 5% cashback when you spend on groceries and petrol[/product]

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.

[table id=1269 /]

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:

[block]Spend what you can afford to pay

Avoid using your card for items you cannot afford to pay back within the next month. Limit yourself to only the necessities such as groceries and fuel to avoid heavy interest rates.

Pay on time

Always pay your credit card on time because credit card interest is in the range of 15% to 17%, and it is revolving debt. This could also reflect on your credit score, which could affect any bank applications in the future.

Pick a card with rewards

If we haven’t stressed it already, cards with rebates are your best pick. You can get cashbacks on necessities you utilise monthly, as listed in the top three cards above.[/block]

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.

The post Best Credit Card Deals And Promos This Season appeared first on Broker CFD rental .

btc binary options