{"id":9551,"date":"2022-03-17T08:47:26","date_gmt":"2022-03-17T08:47:26","guid":{"rendered":"https:\/\/jomsettle.com\/?p=9551"},"modified":"2022-05-10T08:18:33","modified_gmt":"2022-05-10T08:18:33","slug":"what-can-you-do-with-your-credit-card-reward-point","status":"publish","type":"post","link":"https:\/\/jomsettle.com\/ms\/what-can-you-do-with-your-credit-card-reward-point\/","title":{"rendered":"What Can You Do With Your Credit Card Reward Point?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"9551\" class=\"elementor elementor-9551\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b83d0eb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5b83d0eb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3552a0c8\" data-id=\"3552a0c8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fb0875c elementor-widget elementor-widget-image\" data-id=\"2fb0875c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2.jpg\" class=\"attachment-full size-full wp-image-9564\" alt=\"\" srcset=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2.jpg 1920w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-300x169.jpg 300w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-1024x576.jpg 1024w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-768x432.jpg 768w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-1536x864.jpg 1536w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-18x10.jpg 18w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-260x146.jpg 260w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-50x28.jpg 50w, https:\/\/jomsettle.com\/wp-content\/uploads\/2022\/03\/Blog-Cover-What-Can-You-Redeem-with-Your-Credit-Card-Reward-Points-1920x1080-v2-133x75.jpg 133w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3900713d elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3900713d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-61039e59\" data-id=\"61039e59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49a9e52b elementor-widget elementor-widget-post-info\" data-id=\"49a9e52b\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c66801f elementor-widget elementor-widget-theme-page-title\" data-id=\"6c66801f\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b015c2c elementor-widget elementor-widget-share-buttons\" data-id=\"4b015c2c\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2cf184 elementor-widget elementor-widget-spacer\" data-id=\"5d2cf184\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29fe6aa9 elementor-widget elementor-widget-text-editor\" data-id=\"29fe6aa9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The concept of reward points, as introduced by banks, is simple and clear. You make a purchase or payment using your credit card, you earn points.<\/p><p>Then with your point accumulated, you can use it to exchange for products offered by your card issuer. (Is just like the old-time when you visit a circus park, you play games, earn tickets and then use it to exchange for the prize available)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5acf9787 elementor-widget elementor-widget-heading\" data-id=\"5acf9787\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">So, what can you do with your credit card point?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c8f7111 elementor-widget elementor-widget-text-editor\" data-id=\"6c8f7111\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can use your reward points in one of the following ways, depending on what your bank offers:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e4f0676 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e4f0676\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c4d3c18\" data-id=\"c4d3c18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20a0960 elementor-widget elementor-widget-text-editor\" data-id=\"20a0960\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Miles<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8de4a8d elementor-widget elementor-widget-text-editor\" data-id=\"8de4a8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>The all-time most popular reward is definitely the air miles, because who doesn&#8217;t love a good holiday. Except earning miles through an air miles credit card, you can also use your reward points to exchange for it. Many banks have partnered with airlines and travel agencies to make your travel experience more amazing without taking a big chunk out of your wallet.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5e8ac1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5e8ac1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-570e6f2\" data-id=\"570e6f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-685e87b elementor-widget elementor-widget-text-editor\" data-id=\"685e87b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Catalogue<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-354adc1 elementor-widget elementor-widget-text-editor\" data-id=\"354adc1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Each bank has its own catalogue of items that are available for redemption ranging from smart devices, home appliances, office appliances, accessories to stationery, and many more. If you are looking to get a new washing machine for your home and you saved up tons of reward points, this may be a good place for you to browse.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5c7e64e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c7e64e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-98fbd59\" data-id=\"98fbd59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7ca686 elementor-widget elementor-widget-text-editor\" data-id=\"f7ca686\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Gift Card <\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3d3159 elementor-widget elementor-widget-text-editor\" data-id=\"a3d3159\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Exchanging your points for gift cards can be valuable. You can use it for yourself or gift it as a present to your colleague or friends during a small gift exchange or whatever occasion deem fit. And you can use a smaller number of points to redeem for a gift card compared to larger reward items.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2d1d7e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d1d7e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-21e3e4c\" data-id=\"21e3e4c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d33af7b elementor-widget elementor-widget-text-editor\" data-id=\"d33af7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Cash Back<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b23295 elementor-widget elementor-widget-text-editor\" data-id=\"5b23295\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Traditionally, to earn a cashback, you need to apply for a credit card that provides cashback. However, there are few banks that now allow you to exchange your credit card points into cash that will be deposited into your credit. You can use it to add to your saving or pay off your credit card bill.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-030a045 elementor-widget elementor-widget-text-editor\" data-id=\"030a045\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apart from the options listed above, some banks provide additional options such as annual fee redemption which you can use to void your card annual fee or even donation. However, it is advisable to always check with your card issuer on what reward does their program has to offer as it will get updated year to year.<\/p><p>Here we provided you with the link to all the reward programs offered by our local card issuer:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0faf47 elementor-widget elementor-widget-text-editor\" data-id=\"b0faf47\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.bankislam.com\/personal-banking\/bank-islam-cards\/trurewards-loyalty-programme\/?utm_source=forit-sem-dynamic&amp;utm_medium=forit-keyword&amp;utm_campaign=forit-always-on-credit-cards&amp;gclid=Cj0KCQjwuMuRBhCJARIsAHXdnqODXQUv1FGd2s2T9hN5kMQpgVu2rEgHJlr82E9WPoiqnRXMNs5_lwAaAkW7EALw_wcB\" target=\"_blank\" rel=\"noopener\">Bank Islam<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/cards\/treats_rewards\/treats.page\" target=\"_blank\" rel=\"noopener\">Maybank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/rewards.cimbbank.com.my\/\" target=\"_blank\" rel=\"noopener\">CIMB Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/digital-services\/inquire-and-redeem-rewards-points.html\" target=\"_blank\" rel=\"noopener\">Hong Leong Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Promo\/Promo\/Preferred-Redemption-Rewards-Catalogue-2022.aspx\" target=\"_blank\" rel=\"noopener\">Public Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.rhbgroup.com\/files\/personal\/cards\/credit-cards\/overview\/Catalogue_2020-2021.pdf\" target=\"_blank\" rel=\"noopener\">RHB Bank<\/a><\/span><br \/>&#8211; <a href=\"https:\/\/www.uob.com.my\/personal\/cards\/rewards\/uniringgit-rewards-redemption.page\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">UOB Bank<\/span><\/a><br \/>&#8211; <a href=\"https:\/\/www.sc.com\/my\/credit-cards\/rewards-pay-with-points\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Standard Chartered Bank<\/span><\/a><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/sp.hsbc.com.my\/hsbcrewards\/\" target=\"_blank\" rel=\"noopener\">HSBC Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.bankrakyat.com.my\/c\/campaigns\/campaigns\" target=\"_blank\" rel=\"noopener\">Bank Rakyat<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.ambank.com.my\/eng\/promotions-page\/AmBonus-Rewards\" target=\"_blank\" rel=\"noopener\">AmBank<\/a><\/span><br \/>&#8211; <a href=\"https:\/\/www.alliancebank.com.my\/promotions.aspx\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Alliance Bank<\/span><\/a><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/rewards.affinbank.com.my\/affinrewards\/catalog\" target=\"_blank\" rel=\"noopener\">Affin Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a style=\"letter-spacing: 0px;\" href=\"https:\/\/www.citibank.com.my\/landing_page\/myrewards\/index.html\" target=\"_blank\" rel=\"noopener\">Citi Bank<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c7b073 elementor-widget elementor-widget-heading\" data-id=\"0c7b073\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 36px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Conclusion<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf3a07 elementor-widget elementor-widget-text-editor\" data-id=\"ccf3a07\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Be sure to always use your reward point smartly to your advantage whether is it to travel to get that appliance for your home.<\/p><p>Your points are usually displayed on your bank portal or you can view them on the last page of your bank statement.<\/p><p><strong><a href=\"https:\/\/jomsettle.com\/ms\/2022\/01\/13\/understanding-your-credit-card-statement-and-how-to-use-it-with-jomsettle\/\" target=\"_blank\" rel=\"noopener\"><u>Read: Understanding Your Credit Card Statement and How to Use it with jomSETTLE\u2122<\/u><\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da16872 elementor-widget elementor-widget-spacer\" data-id=\"3da16872\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6703969f\" data-id=\"6703969f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a965c63 elementor-widget elementor-widget-spacer\" data-id=\"2a965c63\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10fac41f elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10fac41f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-386beab0\" data-id=\"386beab0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-312120b5 elementor-widget elementor-widget-spacer\" data-id=\"312120b5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12350e6f elementor-absolute elementor-widget elementor-widget-image\" data-id=\"12350e6f\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2021\/10\/Blog-Logo.svg\" class=\"attachment-full size-full wp-image-6532\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7badd059 elementor-widget elementor-widget-heading\" data-id=\"7badd059\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's Stay in Touch<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b2c6676 elementor-widget elementor-widget-text-editor\" data-id=\"4b2c6676\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest articles<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-899d04a elementor-widget elementor-widget-form\" data-id=\"899d04a\" data-element_type=\"widget\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e9d034a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3e9d034a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31e3915c elementor-widget elementor-widget-share-buttons\" data-id=\"31e3915c\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-712134a9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"712134a9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-13c80152\" data-id=\"13c80152\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41a42eda elementor-widget elementor-widget-spacer\" data-id=\"41a42eda\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66b4ac4b elementor-hidden-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66b4ac4b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f4d0e29\" data-id=\"7f4d0e29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18af3975 elementor-widget elementor-widget-heading\" data-id=\"18af3975\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 30px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 14px;margin-top: 14px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-460b3054 elementor-widget elementor-widget-posts\" data-id=\"460b3054\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1df168ba elementor-widget elementor-widget-spacer\" data-id=\"1df168ba\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74122e2 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74122e2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43c48540\" data-id=\"43c48540\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47e769a elementor-widget elementor-widget-post-info\" data-id=\"47e769a\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b308b21 elementor-widget elementor-widget-theme-page-title\" data-id=\"1b308b21\" data-element_type=\"widget\" data-widget_type=\"theme-page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4dea1e44 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4dea1e44\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-78554a87\" data-id=\"78554a87\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-789c09ba elementor-widget elementor-widget-share-buttons\" data-id=\"789c09ba\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-28febd\" data-id=\"28febd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-463dc1da elementor-widget elementor-widget-share-buttons\" data-id=\"463dc1da\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-534ec169\" data-id=\"534ec169\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f5fee elementor-widget elementor-widget-share-buttons\" data-id=\"7f5fee\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-702f7150\" data-id=\"702f7150\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1270ae6e elementor-widget elementor-widget-share-buttons\" data-id=\"1270ae6e\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d466187 elementor-widget elementor-widget-spacer\" data-id=\"7d466187\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13317a4a elementor-widget elementor-widget-text-editor\" data-id=\"13317a4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The concept of reward points, as introduced by banks, is simple and clear. You make a purchase or payment using your credit card, you earn points.<\/p><p>Then with your point accumulated, you can use it to exchange for products offered by your card issuer. (Is just like the old-time when you visit a circus park, you play games, earn tickets and then use it to exchange for the prize available)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32a87a68 elementor-widget elementor-widget-heading\" data-id=\"32a87a68\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">So, what can you do with your credit card point?<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c55df1c elementor-widget elementor-widget-text-editor\" data-id=\"4c55df1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tYou can use your reward points in one of the following ways, depending on what your bank offers:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7e8af26 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e8af26\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-29ad00b\" data-id=\"29ad00b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b714f5c elementor-widget elementor-widget-text-editor\" data-id=\"b714f5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Miles<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-393b374 elementor-widget elementor-widget-text-editor\" data-id=\"393b374\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>The all-time most popular reward is definitely the air miles, because who doesn&#8217;t love a good holiday. Except earning miles through an air miles credit card, you can also use your reward points to exchange for it. Many banks have partnered with airlines and travel agencies to make your travel experience more amazing without taking a big chunk out of your wallet.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a035798 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a035798\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-69dc31a\" data-id=\"69dc31a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a7ce6a elementor-widget elementor-widget-text-editor\" data-id=\"9a7ce6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Catalogue<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f660ee0 elementor-widget elementor-widget-text-editor\" data-id=\"f660ee0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Each bank has its own catalogue of items that are available for redemption ranging from smart devices, home appliances, office appliances, accessories to stationery, and many more. If you are looking to get a new washing machine for your home and you saved up tons of reward points, this may be a good place for you to browse.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2d3d938 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d3d938\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d0549f\" data-id=\"0d0549f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-293c501 elementor-widget elementor-widget-text-editor\" data-id=\"293c501\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Gift Card<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83f0d54 elementor-widget elementor-widget-text-editor\" data-id=\"83f0d54\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Exchanging your points for gift cards can be valuable. You can use it for yourself or gift it as a present to your colleague or friends during a small gift exchange or whatever occasion deem fit. And you can use a smaller number of points to redeem for a gift card compared to larger reward items.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0bc6ea9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0bc6ea9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-407fc7d\" data-id=\"407fc7d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65a70e5 elementor-widget elementor-widget-text-editor\" data-id=\"65a70e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong><span data-preserver-spaces=\"true\">Cash Back<\/span><\/strong>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e68983 elementor-widget elementor-widget-text-editor\" data-id=\"3e68983\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n \t<li>Traditionally, to earn a cashback, you need to apply for a credit card that provides cashback. However, there are few banks that now allow you to exchange your credit card points into cash that will be deposited into your credit. You can use it to add to your saving or pay off your credit card bill.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4c4f3e elementor-widget elementor-widget-text-editor\" data-id=\"a4c4f3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Apart from the options listed above, some banks provide additional options such as annual fee redemption which you can use to void your card annual fee or even donation. However, it is advisable to always check with your card issuer on what reward does their program has to offer as it will get updated year to year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a0a759 elementor-widget elementor-widget-text-editor\" data-id=\"7a0a759\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/trurewards.bankislam.com.my\/trurewards\/home\" target=\"_blank\" rel=\"noopener\">Bank Islam<\/a><\/span><br \/>&#8211; <a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/cards\/treats_rewards\/treats.page\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Maybank<\/span><\/a><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/rewards.cimbbank.com.my\/\" target=\"_blank\" rel=\"noopener\">CIMB Bank<\/a><\/span><br \/>&#8211; <a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/credit-cards\/digital-services\/inquire-and-redeem-rewards-points.html\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Hong Leong Bank<\/span><\/a><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.pbebank.com\/Personal-Banking\/Promo\/Promo\/Preferred-Redemption-Rewards-Catalogue-2022.aspx\" target=\"_blank\" rel=\"noopener\">Public Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.rhbgroup.com\/files\/personal\/cards\/credit-cards\/overview\/Catalogue_2020-2021.pdf\" target=\"_blank\" rel=\"noopener\">RHB Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.uob.com.my\/personal\/cards\/rewards\/uniringgit-rewards-redemption.page\" target=\"_blank\" rel=\"noopener\">UOB Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.sc.com\/my\/credit-cards\/rewards-pay-with-points\/\" target=\"_blank\" rel=\"noopener\">Standard Chartered Bank<\/a><\/span><br \/>&#8211; <a href=\"https:\/\/sp.hsbc.com.my\/hsbcrewards\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">HSBC Bank<\/span><\/a><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.bankrakyat.com.my\/c\/campaigns\/campaigns\" target=\"_blank\" rel=\"noopener\">Bank Rakyat<\/a><\/span><br \/>&#8211; <a href=\"https:\/\/www.ambank.com.my\/eng\/promotions-page\/AmBonus-Rewards\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">AmBank<\/span><\/a><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.alliancebank.com.my\/promotions.aspx\" target=\"_blank\" rel=\"noopener\">Alliance Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a href=\"https:\/\/rewards.affinbank.com.my\/affinrewards\/catalog\" target=\"_blank\" rel=\"noopener\">Affin Bank<\/a><\/span><br \/>&#8211; <span style=\"text-decoration: underline;\"><a style=\"letter-spacing: 0px;\" href=\"https:\/\/www.citibank.com.my\/landing_page\/myrewards\/index.html\" target=\"_blank\" rel=\"noopener\">Citi Bank<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc939ea elementor-widget elementor-widget-heading\" data-id=\"dc939ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p class=\"text-black\" style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 5px\">Conclusion<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a48ddce elementor-widget elementor-widget-text-editor\" data-id=\"a48ddce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Be sure to always use your reward point smartly to your advantage whether is it to travel to get that appliance for your home.<\/p><p>Your points are usually displayed on your bank portal or you can view them on the last page of your bank statement.<\/p><p><strong><a href=\"https:\/\/jomsettle.com\/ms\/2022\/01\/13\/understanding-your-credit-card-statement-and-how-to-use-it-with-jomsettle\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Read: Understanding Your Credit Card Statement and How to Use it with jomSETTLE\u2122<\/span><\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2afe35b6 elementor-widget elementor-widget-spacer\" data-id=\"2afe35b6\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-669c17b elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"669c17b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e60d68b\" data-id=\"3e60d68b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b7534ab elementor-widget elementor-widget-spacer\" data-id=\"5b7534ab\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64058096 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"64058096\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/jomsettle.com\/wp-content\/uploads\/2021\/10\/Blog-Logo.svg\" class=\"attachment-large size-large wp-image-6532\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a8f75c elementor-widget elementor-widget-heading\" data-id=\"9a8f75c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 28px;font-weight: 700;line-height: 1.2em !important;margin-bottom: 1px;margin-top: 15px\">Let's Stay in Touch<\/p><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4110cc2a elementor-widget elementor-widget-text-editor\" data-id=\"4110cc2a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Get updates on our latest article.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49b2f66e elementor-widget elementor-widget-form\" data-id=\"49b2f66e\" data-element_type=\"widget\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef7d152 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ef7d152\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-47ea7cc elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"47ea7cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3ec85ffb\" data-id=\"3ec85ffb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-26f7418e\" data-id=\"26f7418e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12cc1936 elementor-widget elementor-widget-share-buttons\" data-id=\"12cc1936\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-31b6bb42\" data-id=\"31b6bb42\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3717df69 elementor-widget elementor-widget-share-buttons\" data-id=\"3717df69\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-197ee999\" data-id=\"197ee999\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c5224dd elementor-widget elementor-widget-share-buttons\" data-id=\"5c5224dd\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-3db4335e\" data-id=\"3db4335e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7652dbd2 elementor-widget elementor-widget-share-buttons\" data-id=\"7652dbd2\" data-element_type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-16 elementor-inner-column elementor-element elementor-element-5b64eb8c\" data-id=\"5b64eb8c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e065b6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e065b6\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74f2f77a elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74f2f77a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-427e225\" data-id=\"427e225\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b5c35d5 elementor-widget elementor-widget-spacer\" data-id=\"b5c35d5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-664117f5 elementor-widget elementor-widget-heading\" data-id=\"664117f5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><p style=\"font-size: 22px;font-weight: 600;line-height: 1.2em !important;margin-bottom: 4px;margin-top: 4px\">You May Also Like<\/p>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-423d866e elementor-widget elementor-widget-posts\" data-id=\"423d866e\" data-element_type=\"widget\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ca8667d elementor-widget elementor-widget-spacer\" data-id=\"6ca8667d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The concept of reward points, as introduced by banks, is simple and clear. You make a purchase or payment using your credit card, you earn points.<\/p>","protected":false},"author":4,"featured_media":9563,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[67,62],"tags":[],"class_list":["post-9551","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-article","category-credit-card"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Can You Do With Your Credit Card Reward Point?<\/title>\n<meta name=\"description\" content=\"The concept of reward points, as introduced by banks, is simple and clear. You make a purchase or payment using your credit card\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jomsettle.com\/ms\/what-can-you-do-with-your-credit-card-reward-point\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Can You Do With Your Credit Card Reward Point?\" \/>\n<meta property=\"og:description\" content=\"The concept of reward points, as introduced by banks, is simple and clear. 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