Best Cashback Cards at a Glance
Every Malaysian cashback card, compared on what actually matters: the top rate, the maximum cashback you can earn each month (the cap), which everyday categories qualify — petrol, groceries, dining and more — and how easy it is to earn. Filter by the spending that fits you.
Rewards everyday spending, up to RM40/month.
Small RM20/month cap — you'll hit the ceiling quickly.
Rewards several everyday categories, up to RM60/month.
Rewards everyday spending, up to RM30/month.
Rewards specific merchants or categories — check the card's terms for what qualifies.
The top rate rewards one main category — great only if that fits your spending.
Small RM15/month cap — you'll hit the ceiling quickly.
Small RM15/month cap — you'll hit the ceiling quickly.
Small RM10/month cap — you'll hit the ceiling quickly.
Rewards everyday spending, up to RM100/month.
The top cashback rate applies on weekends only.
Rewards several everyday categories, up to RM50/month.
Rates, caps and qualifying categories are read from each card's published terms and shown to help you shortlist — they're not a guarantee. Real cashback depends on the exact category definitions, exclusions, minimum-spend tiers and current promotions. Always confirm on the card's page and the bank's official Product Disclosure Sheet before you apply.
Cashback cards — FAQ
It's whatever the card's monthly cap is. Most Malaysian cashback cards cap the bonus at RM15–RM100 a month — once you hit it, extra spending in that category stops earning the bonus rate until the next statement. Each card here shows its cap upfront as 'Max cashback / month', or 'Uncapped' when the card sets no monthly ceiling. That cap, not the headline '5%', is what really decides how much cashback you pocket.
Use the category filter at the top — tap ⛽ Petrol, 🛒 Groceries, 🍽️ Dining, 🛍️ Online or 🧾 Bills to see only the cards that reward that kind of spending, sorted by rate, cap or how easy they are to earn. The category tags on each card are read from the card's own published terms, so you can quickly find the card that matches how you actually spend.
It's a plain-language read of how much effort the top rate takes, based on the card's own terms: how many everyday categories qualify, whether the top rate is limited to weekends, and how quickly the monthly cap fills up. 'Easy to earn' means several everyday categories with a generous cap; 'Weekends only', 'Fills up fast' or 'Niche spend' flag the catches. It's guidance to shortlist with — not a promise.
The rate, cap and categories come from each card's published data, but real cashback also depends on exact category definitions, exclusions (government payments, utilities, insurance and e-wallet reloads often don't qualify), minimum-spend tiers and current promotions. Always confirm on the card's own page and the bank's official Product Disclosure Sheet before applying.
Miles and points cards can't be compared in cashback terms — a mile's value depends entirely on how you redeem it. This page covers cashback and hybrid cards; use the Points → Miles calculator for miles cards.