Showing posts with label online. Show all posts
Showing posts with label online. Show all posts

Sunday, October 6, 2013

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');

What are the most popular credit cards for online 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 MoneyOnline Shopping

What are the most popular credit cards for online payment?

Malaysians are used to making payment online in recent years thanks to the AirAsia wave since 2001 and the deal site invasion since 2011, which you can refer to in e-commerce history & milestones in Malaysia.

Generally, the most used online payment method by Malaysians are (in this order):

Credit cardInternet banking (Maybank2u, CIMB Clicks etc.)Offline banking (ATM / Cash bank in)PayPal (used more at foreign shopping sites)
It is quite close between credit card and Internet banking, depending on average order value of the online business. Internet banking might contribute the most number of orders but credit card might contribute the highest transaction value to your business.

Maybank2u is undoubtedly the most preferred Internet banking method, followed by CIMB Clicks. But, how about the credit card? Who are the leaders (by card issuer)?

Before we start, you can refer to the list of credit card issuers by Bank Negara Malaysia, both banks and non-banks.

We have done a sampling* of over 2,000 local e-commerce merchants and here are the leaders:

The top 5 credit cards (by issuer) being used for online payment are (in this order): It wouldn't be a stretch to assume that this reflects the current credit card customer base by issuer. Based on the same sampling(*), more Malaysians are using Visa credit card (59%) to pay online compared to Master credit card (41%).



What we have seen lately is that local banks are trying to increase their credit card customers spending by working on co-promotions with e-commerce operators, especially deal sites and Zalora.

Is this kind of co-marketing campaign effective for both banks and e-commerce sites?

* Sampling source:
- Data collected in 2013 from online merchants operating and selling in Malaysia only.
- Online merchants ranging from various categories from electronics, fashion & accessories, health & beauty etc.
- Sampling size: 2,000+ orders contributing to RM400,000+ transaction value.

This was brought to you by ecommerce.milo, An e-commerce blog that focuses on e-commerce insights in Malaysia and Asia.

Teaser image courtesy of Sura Nualpradid at FreeDigitalPhotos.net

document.addEventListener("DOMContentLoaded", function () { if (!$("#article").length) {$(".chart-data").hide();}}, false);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');

Credit cards with online benefits

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

Credit cards with online benefits

(Picture courtesy of of scottchan at FreeDigitalPhotos.net)

E-commerce is becoming the way for many to do business. The convenience is unsurpassed and the cost savings afforded to sellers through lower overheads helps to drive prices lower.

You can shop online with any credit card but what about a little enticement? Some credit cards are now offering incentives to encourage you to keep on clicking.

If internet shopping is the way you get everything from hotel stays to new clothes; you would want to get a card that rewards you for doing the things you love. The UOB VOX card gives an impressive 5% cash rebate for online purchases but this is capped at RM50 per month. The Hong Leong Mach credit card also gives cashback for online spends if the category is one of your chosen (the card’s cashback works on selected categories which cardholders are allowed to customise). However, the rate is 1% for online purchases and the cap for all cashback receivable is RM50 per month as well. The Mach card offers cashback in more spending while the UOB Vox is focused on online spending.

For the higher income bracket, the RHB Visa Signature offers 1% uncapped cashback for online spending. Those who do virtually all their shopping online will benefit from the unlimited cashback. 

The RHB EVO also rewards online shoppers with double reward points for every ringgit spent on e-commerce transactions and bill payments made through the internet.

If you’re the frequent traveller who prefers to book tickets and hotels online; choose a travel card that not only gives you travel benefits but also a card that understands your travel booking style. The CIMB Enrich Platinum and Gold Mastercard cards are tied-in with MAS. Aside from earning points through conventional spending methods you can also earn extra points by booking flight tickets online. Normally you would earn 1.5 Enrich miles for every RM6 spent on retail transactions but when you book your air tickets through MAS online booking, you’ll earn one Enrich point for each ringgit you spend.

Similar to the CIMB Enrich cards, the Maybank SIA Krisflyer allows you to earn extra airmiles. Every RM2 spent on normal purchases earns you one Krisflyer mile, however if you book for your tickets online through SIA you will receive 2 Krisflyer miles for every RM2 spent.

E-commerce benefits can be sporadic and dependant on the card issuer’s agreement with specific online merchants. Online shopping giants Zalora for instance offer rebates to specific cardholders for a limited period: Currently, all RHB credit cards get a flat 15% discount on shopping or an RM20 voucher for purchases of RM100; CIMB cardholders receive 20% storewide or 25% for purchases exceeding RM150; Standard Chartered credit cards receive 15% storewide as well. As the biggest online fashion destination; it’s a good rebate if you’re a fashionista (or one in the making).

There are then some issuers who encourage you to use their online services because it reduces cost for them, which in turn, benefits you.  All HSBC credit cards (except those under Islamic Banking) encourage reward point redemption through their online portal as opposed to calling or heading to a branch. Using the online method will save you 500 points off the redemption amount on selected items.

Depending on the kind of online shopper you are – you may want to consider a card which rewards you for doing what you love.


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');

Mother tries to sell her daughters virginity online

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

Mother tries to sell her daughters virginity online

It isn’t new or innovative, but a mother in India decided to sell her 18 year old daughter’s virginity for Rs 1 lakh which equals about RM5015. Fortunately for the girl but rather unfortunately for her entrepreneurial mother, the latter was remanded by police through the help of social workers and an unwitting rickshaw driver who gave them the tip-off. The rickshaw driver had supposedly only meant to ‘advertise’ the ‘girl for sale’ but had done so to the wrong people.

Perhaps she should have used the internet. Last October, Brazilian student Catarina Migliorini sold her virginity on auction for a whopping USD$780,000 (RM2.6 million). The salient difference of course is that Migliorini was consensually selling sex where else the Indian mother was attempting to exploit her daughter.

What will people think of next for a quick buck: Breast milk, Souls, Kidneys? Sorry, it’s been done.

Maybe next it’ll be poop.

Oh wait, that’s been done too!

*Disclaimer: This is a sardonic look at odd money-making schemes. RinggitPlus in no way supports or condones human trafficking or any such human rights violations.

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');