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Choosing Credit Card Types

Not all credit cards are created equal. Different credit card types have different ways of earning rewards and offer a variety of perks depending on what you choose. Depending on your lifestyle and spending needs, choosing a credit card based on dining privileges, shopping discounts, savings on petrol, travel perks, travel miles accumulation, and rewards programme lets you get more out of it.

Credit Card Type Benefits

Do you hope to score a free holiday, or love special dining privileges at your favourite restaurant? Understanding your credit card type and the rewards programme that comes with it will help you make wiser decisions.

If you compare credit card types, you'll discover that there are a plethora of rewards that await you. For cashback benefits, the Hong Leong Wise Credit Card offers cash rebates from grocery stores and supermarkets to petrol, dining, and entertainment. For travel treats, you can get complimentary access to over 600 airport VIP lounges with the Citi PremiereMiles VISA card. For reward points, you can earn 2X reward points on every RM3 spent overseas. These are but a few examples of how you can make the most of the  credit card type you choose.

Credit Card Types

Credit card issuers will entice you with gifts on signup: better frequent flier miles programme, petrol discounts, higher cashback rebates, and rewards points. When you are choosing a rewards credit card, do not just look at the annual fee waiver, the vouchers, and what seems to be the hottest giveaway. Instead you should find a credit card type that offers you the rewards that suit you best. Below is a list of the credit card types that are currently available:

Cashback Credit Cards

Cashback credit cards award you points when you spend money on purchases, or for making other bill payments. The higher your balance and the faster you pay, the more rewards you will get. Cashback cards allow the holder to earn back a percentage of what they spend as an annual bonus.

Travel Credit Cards

Travel credit cards might be the best option for you, if you travel very frequently by air, or stay in hotels for long periods of time. Travel rewards credit cards let cardholders enjoy unique travel deals, rewards, and discounts on airfare, hotel reservations, car rentals and more. Earn travel rewards with every purchase you make, redeemable for vacations, getaways, weekend excursions, and unique experiences.

Airline Miles Credit Cards

Airline Miles Credit Cards are becoming popular among travelers. They are an ideal choice for frequent travelers, whether they travel for business, work or other reasons. For every purchase you do with these credit cards you will earn points, which can be used for free travel. There are bank-branded credit cards, as well as airline-branded credit cards to choose from.

Petrol Credit Cards

Petrol credit cards are now a popular option. These credit cards give you either a certain number of points for every dollar you spend on petrol or cashback rebates. With petrol prices always on the rise, it’s best to take advantage of a credit card that helps you at the pump.

Petrol credit cards often reward you with cash back on not only your petrol purchases, but other purchases as well such as shopping and more.

Today you will find rewards credit cards are a combination of one or more types. With the wide variety of rewards credit cards out there, be sure to pick the one you will be able to use the most.

Compare credit cards with GoBear to find the ideal card based on your spending habits!

Compare all travel insurance plans to many countries and find out how much you can save.

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Why compare at GoBear?

  • Free and unbiased – We don’t charge you a middleman fee and we don’t play favourites with banks or cards. -
  • Time-saver – We show all 200+ cards in Malaysia. Don’t waste your time looking around. -
  • Fresh offers – We find you the latest promotions and best rewards. -
  • Personalised search – We get personal to show you the cards that get you the most rewards. -
  • Easy sorting – Filter your cards on your preference: cashback or air miles rewards. -
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