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 CIMB Travel World Credit Card 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 | CIMB Travel World Credit CardCIMB Bank | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Miles | Cashback |
| Cashback rate | — | 5% |
| Cashback categories | — | Best Entry Cashback |
| Monthly cap | None / — | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | 0.16 | — |
| Annual fee | RM554.72 | Free for life |
| Fee waiver | 100% waived at RM120,000+/yr spend; 50% waived at RM60,000+/yr; none below RM60,000/yr | Free for life |
| Min income | RM100,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | World | Gold |
| Lounge access | ✓ Yes | — No |
| Travel insurance | ✓ Yes | — No |
| Islamic | — No | — No |
| Sign-up promo | — | — |
| 🔎 What's excluded | Bonus Points exclude cash advances/withdrawals/deposits, betting/gaming, petrol/diesel/petrol-kiosk purchases, disputed transactions, prepaid-balance transactions, annual/service/delivery/replacement fees and other bank charges, instalment plans, auto-billing/direct-debit/recurring transactions, charity payments (MCC 8398), government payments (MCC 9211/9222/9223/9311/9399/9402/9405), JomPAY/FPX/DuitNow QR, and e-wallet top-ups (MCC 6540, e.g. GrabPay/Touch 'n Go/ShopeePay). | 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 for the points-multiplier table itself — do not confuse with the RM6,000/quarter spend needed to unlock lounge visits (see capDetail) or the tiered annual-fee waiver. | None — any weekend spend on the Amex card earns 5%, subject to the monthly cap |
| 🔎 How the cap works | Bonus Points capped per statement cycle by MCC group: 50,000 pts each for Transportation/Supermarket-Hypermarket/Utilities/Professional Services; 100,000 pts each for Insurance/MOTO/Telecoms/Automobile/Retail; plus an overall 1,000,000-point cap per cycle across all categories (applies to overseas, airlines, duty-free and local spend alike). Separately, lounge access requires RM6,000+ combined principal+supplementary spend in a calendar quarter to earn 3 Plaza Premium visits that quarter, capped at 12 visits/year. | 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 | The conversion rate set by Mastercard/VISA International plus a 1% CIMB administration cost, plus any network transaction fee — unlike the Travel World Elite tier, this 1% fee is NOT waived for the standard Travel World card. | 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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