EDIT: This is a sponsored post for BBazaar Malaysia, but they have since exited the Malaysian market. Took out all their links, but the content itself is evergreen
Choosing the best credit card in Malaysia is like choosing dates on Tinder. Sometimes, you accidentally ignore the good cards (fast left swipes). Sometimes, the cards themselves beg for your attention (superlikes). And sometimes, the cards you want are not available to you (they didn’t swipe right for you..).
It can be a frustrating search process. You thought you have a lot of choices, but why is none of them suitable? But eventually you’ll find that perfect match for you, and you’ll never imagine life without them. Amirite, Tinder couples reading this?
Tinder analogy aside, credit cards really are great financial tools. I use them to earn points, shop (online and offline), make instalments on larger purchases and top up e-wallets (usually for the discounts).
If you can practice habits that make you a responsible card user – like paying off all bills in full at the end of the month and not treating it as ‘free money’ – I’d recommend you to get one. They can help you build a good DSR score, too – good if you’re planning to buy a house in the future.
Here are some lesser-known tips I can offer you.