Welcome to the RinggitPlus.com new look

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyRinggitPlus

Welcome to the RinggitPlus.com new look

Welcome to the all-new RinggitPlus.com, the website that gets Malaysians more for their money.

We’ve made a few changes to make your website faster, easier to use, and more responsive to what’s going on in the world of Personal Finance.

We’ve also added some new features to help you save when you’re dealing with the bank. Now you can:

Find and compare Personal Loans and choose borrowing that suits your budget.Search for credit cards, debit cards, and loans and find even more useful information to help you make the best choice of product.Find the latest promotions and discounts to make sure you get the best deal from your bank.

From standing at the whiteboard with no plan (but a lot of ideas) to re-launching the website the team finished the project in just six weeks. We’re enormously impressed by this achievement - we hope you are too.

In fact, we're so amazed by the resulting performance we believe this is Malaysia's fastest website!

Underneath the hood we made some big changes, exchanging Drupal for a Content Management System of our own design. We can now compare and contrast any product we like, as soon as it comes to market.

Coming up on the product roadmap we have even more new features to add that will make your life easier, and save you a ton of money. So please, bookmark us, follow us, or subscribe to our feed.

We’d love to know what you think so please do drop us a line. We'll be making a few fine-tuning changes over the next couple of days so do let us know if you find any bugs - send us a Tweet, or message us on Facebook, and tell us how we can make RinggitPlus.com even better.

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');

Giro Interbank - An alternative way to make Credit Card payment

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyBanking basics

Giro Interbank - An alternative way to make Credit Card payment

Many of us have one or two credit cards issued by a bank without having a savings or current account at the same bank. As such, we resort to a monthly "exercise" of queuing in front of an ATM to make payment. Since the number of credit card users is increasing, the time taken to complete this monthly routine task at an ATM is also taking longer. An alternative method is needed to save time, enter Giro Interbank money transfer.

Luckily, Bank Negara has asked our bankers to provide cheaper interbank services to customers. We can now make credit card payments via our current online banking system, with a fee as low as RM0.10 per transaction.

To do a Giro Interbank (IBG) money transfer, the cost is RM0.10 but the payment must be made earlier. This is because it normally takes 1-2 working days to reflect in your account. For example, if your credit card due date is on Sunday; you should make your payment by Tuesday. The payment should be credited by Thursday. In case of any errors, you still have an extra day to take any necessary steps to avoid late payment.

For emergency cases, you should use the instant interbank fund transfer (IBFT) option to avoid any late payment penalty and to maintain your credit status. However, instant transfers cost more:RM2 per transaction.

Advantages

The cost of RM0.10 is reasonable. We also do not run the risk carrying large amounts of cash from one bank to another. Lastly, we save time and cost traveling to a particular bank to use the ATM.

Security concerns

Many of us still worry about the security of online transactions. However, with highly encrypted pages and the requirement of a Transaction Authorisation Code (TAC) makes bank websites some of the most secure on the web. Most fraud cases reported tend to be due to carelessness and trusting third parties with our logins and passwords. For your part, never reveal our TAC to anyone and ensure your computer is free from viruses or any malware and your registered mobile is always with you. It is quite difficult for someone to steal your money via the internet if you take due precautions.

This is a guest post by Xaivier Chia who regularly blogs his value investing and financial/money related experiences and insights at http://xaivierchia.blogspot.com. Readers can contact the author via his personal blog.

*Picture courtesy of Jomphong at Freedigitalphotos.net.

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');

Alliance Bank Sure Gifts with Balance Transfer and Fast Cash

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest Alliance Bank credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyBalance Transfer Credit Cards

Alliance Bank Sure Gifts with Balance Transfer and Fast Cash

Having trouble staying managing credit card debt? If your statements are hovering above the RM5000 mark maybe a low-interest balance transfer might help you get on top of your finances. Alliance Bank is holding a promotion for new and existing credit cardholders offering balance transfers as low as 8.99% p.a. for up to 36 months.

And as part of the promotion Alliance Bank is giving away electronic gifts such as the Samsung Galaxy S4 and a Sony 32” inch flat screen tv, which are also up for grabs if you apply for a Fast Cash personal loan. This is not your usual ‘spend n win’ type of promotion as all successful applicants will be guaranteed a gift. The type of gift is determined by the amount transferred or loaned.

This offer starts on 17 Jun and ends on 30 Sept 2013.

For full details, interest rates and a list of available prizes up for grabs please refer to the Balance Transfer and Fast Cash Terms & Conditions page.

Don’t waste time skimming through pages and pages looking for the perfect credit card. RinggitPlus can help you find the right one based on your spending habits.

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Credit card imageCredit card name and benefitsInterest RateCashbackAnnual FeeApply Online You'll enjoy 1.2% cashback on all your shopping and Timeless Bonus Points that don't expire with your new Alliance Bank MasterCard

This Alliance Bank Classic card offers you 0% Interest for 3 months, up to 1.2% cashback on your shopping and Timeless Bonus Points that don't expire

Gift your Reward Points to the Chinese Independent School of your choice - choice of pledging 50% or 100% of your Timeless Bonus Points.

Gift your Reward Points to the Chinese Independent School of your choice - choice of pledging 50% or 100% of your Timeless Bonus Points.

Earn CNI Gold points and redeem them for exclusive gifts and CNI products. 0% Easy Pay Plan when you buy selected CNI products.

An exclusive credit card for Malaysian CPA Australia members. No annual fee and CPA exam fee converted to a 0% Installment Payment Plan.

Enjoy exclusive F&B promotions, football viewing party privileges. Cash in Timeless Bonus Points for limited edition football merchandise.

Get Fast-Track rewards by earning more Timeless Bonus Points - cash in for free flights with Air Asia and Air Malaysia. Enjoy airport privileges and a 24-hour Infinite helpdesk at your call.

Platinum travel privileges with Enrich Miles from Air Malaysia make this the ideal Alliance Bank credit card for frequent flyers.

Platinum travel privileges, Air Malaysia Enrich Miles, and Air Asia BIG points make this an ideal Alliance Bank credit card for frequent flyers.

Enjoy 0% Interest for 3 months, Timeless Bonus Points that don't expire, and cashback on every Ringgit spent with your new Alliance Bank credit card

Enjoy 0% Interest for 3 months, Timeless Bonus Points that don't expire, and cashback on every Ringgit spent on your Alliance Bank Visa Gold card

Enjoy great savings and amazing interest rates with the Alliance Bank You:nique credit card. The ultimate personalised card.

Get unlimited cashback on the things you spend the most money on with your uniquely personalised Alliance Bank You:nique credit card.

Maximise your Rewards and earn points faster with the Alliance Bank You:nique credit card. The ultimate personalised card.

View All

View All

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');

Weakened ringgit causes concern for students abroad

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyPersonal Finance News

Weakened ringgit causes concern for students abroad

In late July, the ringgit fell to 3.2570 against the US dollar: it's lowest since June 2010. 

The decline came sharply after Fitch ratings reduced it's outlook for Malaysia's sovereign credit rating from stable to negative.

Whatever the reason, the weakened ringgit is cause for concern amongst parents of/ and students abroad as costs of living overseas will increase in tandem.

The Star reported on Sunday, 18 August that unease is already setting in.

J. Edmund Dass, 50, said he was worried over the ringgit’s depreciation as his daughter would be going to Wales for her third-year law studies.

I am in limbo now. If I convert my ringgit into British pounds, I will need to convert it back to ringgit in order to send her the money if I go through banks,” said the entertainer.

Xiang Hong Ong, 25, who is doing his Masters in Law in Westminster University, said if the ringgit continued to weaken, he might take up a job to support himself.

“Since I am a self-sponsored student, it will mean having to cut my personal expenses, he said.

The ringgit had fallen not just against the US Dollar; but the Singapore Dollar, Pound Sterling and Euro.

Alliance research doesn't believe the situation is going to markedly improve until the end of the year.

...the ringgit would remain weak at around current level or even test the 3.30 level soon.

"However, the weakness cycle should come to an end in due course and the currency could reverse its trend by end 2013.

"In this regard, we maintain our view of short-term volatility of the ringgit, but extending the trading range from 3.15-3.25 per dollar to 3.20-3.30 per dollar over the next one to three months. Our end-2013 forecast for the ringgit is maintained at RM3.12 vis-à-vis the US dollar," said Alliance Research.

Picture courtesy of singkham at Freedigitalphotos.net.

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');

Funniest Finance Memes

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyFunny Money

Funniest Finance Memes

Happy Friday, folks!

Just a little something to get you laughing before the weekend: we've found the funniest finance memes on the web for your entertainment.

In no particular order!

I used to have a credit card...

Too many loans?

Empty wallet syndrome

First world student problems

Do I really need an emergency fund?

World currencies

And... the world's best superpower.

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');

Maybank Guaranteed Gift Balance Transfer

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest Maybank credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyBalance Transfer Credit Cards

Maybank Guaranteed Gift Balance Transfer

If you are struggling with mounting credit card debt perhaps it’s time to consider a balance transfer plan. Maybank’s Guaranteed Gift Balance Transfer campaign promises interest rates as low as 8.88% p.a. for 36 month. As further incentive they are throwing in a free gift for balance transfers of RM10,000 and above.

Existing Maybank customers who successfully apply for a balance transfer between RM10,000 to RM29,999 will qualify for a wifi only iPad Mini 16gb while successful customers with a balance transfer of RM30,000 and above will receive a Samsung Galaxy S4.

This campaign runs from 1 July till 31 October 2013 and is only available to all Principal Maybank and Maybank Islamic credit card cardholders.

For further details please check out the Terms & Conditions of this campaign.

You can apply online for this balance transfer and jumpstart your journey towards financial freedom.

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Save more with lower interest rates, choose the plan that meets your need, enjoy a long repayment period of up to 36 months. Interest rate includes upfront 3% fee.

Win a free iPad mini or Samsung Galaxy S4 - offer ends 31st October

View All

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');

Grocery shopping online: All you need to know

RinggitPlus.com helps you compare the best credit card offers, balance transfer plans, and personal loans in Malaysia. Proceed with the application online with us, it's easy and quick.

HomeCredit CardCompare the best credit cards in Malaysia and apply onlineLifestyle CardObtain the credit card that offers you the most benefits for your spendingBalance TransferCompare the best balance transfer plans in Malaysia and apply onlineFlexi PayCompare the best flexi pay plans in Malaysia and apply at RinggitPlusDebit CardCompare the best debit cards in MalaysiaPersonal LoanCompare personal loans in Malaysia and apply onlinePromotionsLatest credit card promotionsBlogThe RinggitPlus Guide to Saving MoneyOnline Shopping

Grocery shopping online: All you need to know

With the number of things you can do online, it was only a matter of time before grocery shopping was added to the list. Web store giants Amazon have just launched their grocery delivery service Amazon Fresh; which for now only serves Seattle, USA but hopes to expand throughout the country. Fortunately for Klang Valley residents, many good Malaysian online grocery stores have sprouted to serve you online.

In this guide, RinggitPlus takes a good look at grocery shopping online; how it works, the pros and cons and, most importantly, how it affects your wallet.

Trudging through a wet market or a crowded shopping mall on a weekend just doesn’t seem a nice way to spend what little free time working urbanites have. Now you can avoid all that with a simple click.

For ease of comparison, we’ve chosen three with the best variety of local and imported; premium and regular priced items.

The three we found with the best variety were: Tesco, RedTick and Presto. 

Shopping

Shopping is easy. Items are organised according to category on all three sites but you can do it the quick way by just clicking the search bar and entering a keyword. Presto doesn’t require you to have an account by signing up will help store your previous order information. Tesco and Redtick require you to open an account.

Just like any other online shopping experience: add what you want to your account and checkout!

Delivery areas and timing

Not all stores deliver everywhere. For now, these stores deliver to Klang Valley/Kuala Lumpur areas only. There is usually a link on the page for you to check delivery zones:

1.  Tesco Online’s delivery area checker:

2.  Presto Online’s delivery area and fees:

3.  RedTick Online’s delivery

Delivery prices vary for each store. Tesco starts at a flat RM10. Presto is RM8 for orders below RM100 and free for those above RM100. Redtick has a range: RM5 for orders RM100-200; RM10 for orders RM50 – RM100; RM15 for orders <50, and free on orders above RM200.

Tesco requires you to book a delivery slot. You can book slots up to three weeks in advance with Tesco and up to 7 days in advance with Presto.

Presto delivery slots are hourly from 10am to 10pm and you may select the delivery time of your choice upon checkout. RedTick has limited delivery slots (6 a day) every two hours from 10 am to 10pm.

Payment

Tesco online only accepts credit (Visa and Mastercard – American Express not accepted at present) or debit card payment at the moment. Your friendly delivery man will carry with him a portable credit card reader so you only make payment once you’ve inspected the goods and have agreed to accept the delivery. This is because, due to stock changes, you might receive a substituted item if the actual item you ordered isn’t in stock. 

Presto, accepts cash and credit cards (all major credit cards) also upon delivery. There is also an option to pay at online checkout via Paypal. RedTick also offers cash or credit on delivery or online payment via MolPay.

Taking the same three online stores we mentioned in part one; here’s how the numbers add up when compared to physical stores. Tesco is a low price leader hypermarket and Jaya Grocer is considered to most as an upmarket store catering to a wealthier set.

ItemsJaya Grocer (physical store)Tesco (physical store)Tesco (Online)RedTick (Online)Presto (Online)RM15.60 (N/A in carton of 30. Only premium eggs in cartons of 10: RM5.20ea)RM4 (2 packs. Pre-packed, 500gms each pack)RM5 (2 packs. Pre-packed, 500gms each pack)Chinese Broccoli (Kailan) (1kg)Black Pomfret Fish (Bawal) (1kg)Laundry Detergent (Powder 2.5KG)Parking RM2 per entry on weekends, RM2 per hour on weekdays Free (1st 2 hours with RM30 minimum spend)RM10 (cost will vary depending on number of items purchased) Delivery area is limited.

*All prices are correct at the time of writing. Prices subject to change due to store promotions and other internal factors.

With the exception of Tesco Online, it does appear that shopping online can be expensive choice. The majority of online sites stock premium and imported items which is indicative of the target market being upper income groups and expats. Tesco promises that all prices online will match that of physical Tesco stores. Promotions and prices at Tesco can change frequently, so unless you’ve compared both the site and the physical store on the same day; you may see small discrepancies in prices.

If you’re the kind who’s concerned with more than just the ringgit value, there are some other considerations. Here is a checklist of pros and cons to shopping online:

Pros

Convenient. This definitely tops the list as it’s as easy as clicking a button. No more fighting with other shoppers for parking and at cashier lines.  Time saving. If you’ve got a hectic schedule, this is the way for you. It also frees up a lot more time on your weekends for you to do things you care about.Great for budgeting. Shopping online is one way to ensure you stick to your budget. Without the temptation of smells and sights at a mall that urges you to stray from your shopping list; you’ll simply buy what’s on your list.Great for those who aren’t mobile. If you are handicapped or rely on public transport, shopping for large quantities of goods can be challenging. Buying online saves the trouble of lugging around large amounts of groceries. It’s delivered to your door.

Cons

Unable to inspect goods. Although many offer the opportunity to turn away goods that aren’t to your satisfaction, you will then either have to wait for a new delivery or go without until you head to the store. No current stock update. Many online grocery stores don’t update as often as products are constantly being brought in and sold. This makes it nigh impossible to determine if the item you want is in stock or if you will be given a replacement. Limited delivery areas and times. You may not always get the time slot you want and if you have a hectic schedule, you may not have hours to spare rushing home to wait for the delivery man at a non-peak time. Sometimes, it is a lot easier to just pop into a store.Not worthwhile for small purchases. A full cart like the one above makes the RM8-RM15 delivery fee and planning of delivery times negligible. But if you are a single person household; you may not buy so much and paying RM10 for a delivery of a few items plus the hassle of planning out delivery times may not be worth it. 

Online grocery shopping is definitely going to be more popular in days to come. It’s not hard to see why. The convenience it offers is quite unparalleled. But for those of you who still prefer taking a good look (and squeeze, yes we know you do it!) at your produce before buying – nothing will beat heading down for some good old fashioned aisle hopping.

Nb: The list of online stores above were chosen based on the wide variety of products available. Smaller, niche online shopping sites are also available. Check out MatRuncit and YouBeli for limited sundry items; FoodWorld for gourmet fresh meat and seafood; or DoorStep for office pantry supplies. 

Follow us on Facebook, Twitter, or Google+ to keep updated on our new posts.

Copyright © 2013 Ascension Lab Sdn. Bhd if (/AEON/.test(location.pathname)) {document.body.style.display="none";window.location.href = "https://ringgitplus.com/";}(function(w,c){w.bn="20131004-075217-8022728";w.gi="(0c387fc)>";w.rpt=function(a,l,v){var fn=(w._gaq)?w._gaq.push:(c?c.info:function(){});fn(["_trackEvent",location.pathname,a,l||"",v||0]);};w.onerror=function(ex){w.rpt("jsError",[navigator.userAgent,w.bn,ex].join("---"));};})(window,window.console)var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-35708630-1']); _gaq.push(['_setDomainName', 'ringgitplus.com']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })();(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-KH53');