A reward multiplier is the number of points awarded to you per ringgit spent on the selected merchant. In short, you need to find out how much you need to spend to get every reward point on your credit card. For instance, a credit card’s reward multiplier is 0.5 when you spend RM100 which means you get 50 rewards points. Hence, you should find out if it is easier or harder for you to earn points when you are choosing a reward credit card.