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citiBank Rewards Credit Card

Reward points for credit cards explained

Reward points on credit cards refer to points that are accumulated whenever the credit card is used,either domestically or internationally. These points are usually awarded across all categories of spend (except government services and petrol in some cases, as well as internal bank charges; check with the credit card issuer for more details). The issuer will then allow the points to be redeemed against a catalogue (or for cashback on your next statement, depending on the issuer) for merchandise or in some cases, airmiles.

Usually, reward points on your credit card(s) are awarded one-for- one; i.e. every RM1 spent gives you 1 point. Sometimes, issuers will give you bonus points for certain types of spend. Most reward points have expiry dates, by which time you must use them or lose them. Redemption costs differ from issuer to issuer. Reward points are one type of incentive scheme, and are usually given in lieu of cashback.

If reward points on your credit card is the right choice for you, then head on over to GoBear Malaysia’s credit card comparison services to begin picking your preferred card.

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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. -
I would like my card to reward me with :
Swap your credit card reward points for cold hard cash or vouchers.

Love to fly for free? Sounds like you’ll love air miles.
In a month, I spend
RM{{criteria.totalSpendingPerMonth| number}}

on my credit card.
I spend…
Tell us how much you spend and what you spend it on, and we’ll have a pretty good guess at how many reward points you’ll earn in a year.
RM{{item.spendingPerMonth| number}}

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