Credit Card Cashback Calculator
Enter your monthly spend and see which Malaysian card actually earns you the most — with real bonus rates, monthly caps and annual fees factored in, not just the headline “5%” on the ad.
Your monthly spend
Earns 60% on dining, capped at RM300/mo, assuming the annual fee is waived.
- 1Standard Chartered Beyond Card60% on dining · cap RM300/mo · no feeRM2,926/yr
- 2Maybank 2 Gold Cards5% on petrol, groceries, dining · no feeRM804/yr
- 3Maybank 2 Platinum Cards5% on petrol, groceries, dining · no feeRM804/yr
- 4UOB EVOL Card8% on dining, online shopping · no feeRM710/yr
- 5HSBC Amanah MPower Platinum Credit Card-i8% on petrol, groceries · cap RM50/mo · no feeRM634/yr
- 6CIMB PETRONAS Visa Infinite-i8% on petrol, groceries, bills & utilities · cap RM50/mo · no feeRM629/yr
- 7Maybank Islamic Petronas Ikhwan Visa Platinum Card-i8% on petrol, groceries, dining · cap RM50/mo · no feeRM624/yr
- 8OCBC 365 MasterCard5% on petrol, groceries, dining · cap RM50/mo · no feeRM624/yr
How this is calculated (and its limits)
For each card we apply its published bonus cashback rate to your spend in the categories it rewards (matched from the card's stated categories), capped at its monthly limit, then add an assumed 0.2% base rate on everything else, and subtract the annual fee (assumed waived where the card offers a waiver). Ranked by estimated net cashback per year.
This is an estimateto narrow your shortlist — not a guarantee. Real earn depends on the exact category definitions, exclusions (government, utilities, insurance and wallet reloads often don't qualify), minimum-spend tiers and current terms. Always confirm on each card's page and the bank's official T&C before applying. Miles/points cards aren't shown here as they can't be compared in ringgit terms.
Cashback calculator — FAQ
Enter roughly what you spend each month on petrol, groceries, dining, online shopping, bills and everything else. For every cashback card we apply its real bonus rate to the categories it rewards, cap the monthly cashback at the card's limit, add a small base rate on the rest, subtract the annual fee, and rank the cards by estimated net cashback per year — so you see the true winner for your spending, not the headline rate.
Most high cashback rates apply only to specific categories and stop once you hit a monthly cap — often RM30–RM50. Many categories (government payments, utilities, insurance, e-wallet reloads) are excluded entirely, and some cards charge an annual fee. The card with the biggest advertised rate is frequently not the one that earns you the most, which is exactly what this calculator surfaces.
No — treat it as a shortlisting tool. It models the parts that matter most (bonus rate, monthly cap, annual fee) from each card's published data, but real cashback depends on exact category definitions, exclusions, minimum-spend tiers and current terms. Always confirm on the card's page and the bank's official Product Disclosure Sheet before applying.
Miles and points cards can't be fairly compared in ringgit terms — a mile's value depends entirely on how you redeem it. Use the Points → Miles calculator for those, and this cashback calculator for cashback and hybrid cards.