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2 Ways to Kawtim your Groceries with a Credit Card

BY Team Loanstreet

Updated 03 Oct 2023

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Did you know Malaysians’ household spending is predicted to grow 5% year-on-year in 2023 and 2024? Yeap! Our recovering economy is slowly increasing our spending capacity. Meaning, you can save a whole lot more with your credit card! 

In our previous article, we shared some nifty tips on using your credit card to save some serious moolah while globetrotting. Now…let's talk about how you can kawtim your grocery shopping with it, pulak. We know what you're thinking, "Eh, isn't this how people end up drowning in credit card debt?"

Not really… with the right mindset you can use your card to make smart financial decisions. So, before you take your credit card out, ask yourself…
  1. Do I need it or want it? 
  2. Does it fit the budget?
  3. Can I pay the balance in full?

Once you’ve got your priorities straight you’re all good to go. Now, let’s dive into how you can tap and save.

What's covered in this article?

1. Discovering Merchant-Specific Benefits

For illustration purpose only.

With the merchant-specific benefits, you can score discounts, cashback, rewards and more with your credit card at participating stores. So, do a little research, pick the right card, hit the right places and save a lot of money! A bit leceh lah, but with a little hard work you get a lot of stretch for your ringgit. Dowan meh?

Eh, online shopping how? Gottt… don't worry. Many online stores have also partnered up with different credit card companies/ issuers and offer a range of benefits. Know your credit cards’ online partnering grocery merchants and keep an eye out for special offers and deals. Strategise, shop and keep that wallet thiccc! 

If you really wanna amp up your grocery shopping benefits, tap into the power of store loyalty programs. Paired with your credit card rewards you could easily take your grocery savings to a whole other level.

2. Maximise Reward Points and Cashback

Mastering the art of reward points and cashback redemption can really help your grocery savings too. Some credit cards let you trade points and cashback for vouchers while others give you gift cards or both. With the right credit card, you can even kawtim extra points and higher cashback returns for groceries specifically. So, make sure you know your options and do a little calculation before choosing a redemption method.

Also, be sure to take note of promotional periods to optimise your savings. Some credit cards offer seasonal promotions during major festivals like Hari Raya or Chinese New Year. Meaning, you can capitalise on these opportunities to earn extra rewards and cashback on grocery shopping. Some of which you can redeem for online shopping also. 

There you have it… use these insider tips to keep your purse plump and your grocery runs, fun!

Pssstt… Unlock a world of endless possibilities with the Visa credit card

It’s your key to extraordinary experiences beyond just groceries! Picture this: seamless travel, delightful dining, fueling up for your journeys, and so much more. It's not just a card; it's your ticket to a realm of adventures. How so?

a) Exclusive Offers and Deals

Well for starters, we’ve got endless exclusive offers and deals covering everything from dining to entertainment. 

So, if you missed out on groceries this week, no worries. You can still save money dining out with Visa. Just gotta hit the right spots to enjoy discounts, rewards and exclusive offers.

Check out this link to find out where you can enjoy a 20% discount. And if you’re a Visa Infinite or Signature cardholder, grab your 20% discount promo codes for selected top restaurants right here. Certain Visa credit cards can even get you access to fine dining experiences and priority reservations, tau! how cool is that?

Wait…there’s more. Besides, flight and hotel discounts, you might also snag early access to sales and limited-time offers by shopping with Visa. Plus, there's discounted event access, gym memberships and tons of other awesome deals. For instance, get a 10% discount on your car/motorcycle insurance renewal with Visa on Loanstreet.


b) Security and Peace of Mind

With Visa’s Zero Liability policy, you get to unlock a world of possibilities worry-free. It shields users from unauthorised charges, theft, and fraud. Meaning, if your card hilang or kena curi you won't be held accountable for any unauthorised transaction.


But… must make sure you report immediately lah. And remember, certain Visa cards like commercial cards and prepaid cards are exceptions to this policy. To confirm please check with your issuer, ya. 

Okay, so…how do you choose the right card? Got so many! Don't worry, we got you. First, you gotta understand your priorities and financial goals. Then, head on over to Loanstreet and compare over 240 credit cards for dining, shopping, travel and petrol with the best cash back and reward offers. Get exciting promotions and free gifts! Apply online now!

*The above article is intended for informational purposes only. Loanstreet accepts no responsibility for loss that may arise from reliance on information contained in the articles

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About the Author

Team Loanstreet

Run by a professional human-sized team, get resourceful tips & guides from our very own library of financial articles that can help improve your financial lifestyle & make a well-informed money decision. We strive to provide you with the best service in helping you to get the most out of that DUIT!


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