Compare Credit Cards Side by Side
Up to four cards, every field, one clear table — cashback rate, monthly cap, annual fee, income requirement, perks, promos and the fine print. Currently comparing Bank Islam Visa Platinum Credit Card-i and Maybank 2 Gold Cards; change or add cards below, or tick + Compare on any card across the site to build your own line-up.
| Feature |  Bank Islam Visa Platinum Credit Card-iBank Islam | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Cashback | Cashback |
| Cashback rate | 5% | 5% |
| Cashback categories | Online, auto-bill, groceries, dining | Best Entry Cashback |
| Monthly cap | RM30/mo | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | — | — |
| Annual fee | RM388 | Free for life |
| Fee waiver | Waived with 12 transactions/year OR RM120/year total retail spend | Free for life |
| Min income | RM36,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Platinum | Gold |
| Lounge access | — No | — No |
| Travel insurance | ✓ Yes | — No |
| Islamic | ✓ Yes | — No |
| Sign-up promo | — | — |
| 🔎 What's excluded | Cash Back excluded on: cash withdrawals (own/other bank ATMs), GoCash & Balance Transfer program, fees & charges (incl. annual fee), Service Tax, instalments billed under GoFlexi/GoCash/IPP/Balance Transfer, government-related payments, FPX and JomPAY, and business/commercial spend. Also excluded MCCs: 5921 (liquor stores), 5973 (religious goods), 7261 (funeral services), 7273 (dating/escort services), 7297 (massage parlours), 7995 (betting/gaming), 9754 (gambling). | No cashback on government-body payments, JomPAY, FPX and MyCdd transactions or e-wallet reloads; EzyCash, EzyPay Plus, Cash Treats, cash advance and balance transfers are also excluded. |
| 🔎 Min spend to earn | — | None — any weekend spend on the Amex card earns 5%, subject to the monthly cap |
| 🔎 How the cap works | RM30/card/month cap is shared across the 3%/5% tiered online-auto-bill-groceries-dining cashback. A separate 1% overseas card-present cashback (RM5,000+/mo spend) caps at RM100/card/month; the 0.2% local-spend cashback (RM500+/mo) is uncapped. | 5% weekend cashback capped at RM50 per principal cardmember per month, credited on the 1st of the following month; amounts under RM1.00 are not paid out. |
| 🔎 Foreign transaction fee | Visa/Mastercard International's own conversion rate plus a 1.25% conversion fee levied by the Bank — per the official Credit Card-i Fee & Charges PDF (page 1: "Conversion fee for overseas transaction"). | Converted at the Amex/Visa/Mastercard rate plus a 1% Maybank charge |
Comparing cards — FAQ
Pick a card in each dropdown above and the table shows both side by side — reward type, cashback rate, monthly cap, annual fee, income requirement, network, perks, current promo and any verified fine print. The better value on each objectively-comparable row is highlighted. Your selection is saved in the page link, so you can share the exact comparison.
Both. A high rate with a low monthly cap can earn less than a moderate rate with a generous cap. That's why the table shows the rate and the cap side by side, and our cashback calculator combines them with your actual spend to find the true winner.
Fine-print rows (exclusions, minimum spend, cap mechanics, foreign-transaction fee) appear as they're verified for each card from the official Product Disclosure Sheet. Where a row is blank, check the card's page and the bank's official terms. We never guess these details.
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