There are over 195 credit cards in Malaysia, we go through all of it and found the best credit card strategy, depending on your spending level.

Basics about Credit Card

There are mainly 2 types of credit cards in the market:

• Cashback credit card: Straight forward, every month you will receive cash according to your credit card spending; or

• Points credit card: Credit card points can be used to exchange into products, vouchers, and the highest value reward is Airline Miles.

Which credit card strategy you should use, is heavily dependent on:

• Income level;

• Spending level; and

• Lifestyle.

In general, to get the most value from credit card, it is best to choose between one of the strategies below:

• Pure Cashback Strategy; or

• Pure Airline Miles Strategy.

Once you have decided on the strategy, you must stay committed and avoid switching in between strategy, especially on the “Pure Airline Miles Strategy” because it takes time to accumulate the points you need.

Let’s get straight into the result of our findings.

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