Compare Credit Cards Side by Side
Two cards, every field, one clear table — cashback rate, monthly cap, annual fee, income requirement, perks, promos and the fine print. Currently showing the HSBC Live+ Credit Card vs the Maybank 2 Gold Cards; change either card below.
| Feature | HSBC Live+ Credit CardHSBC Malaysia | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Cashback | Cashback |
| Cashback rate | 5% | 5% |
| Cashback categories | Best Dining Cashback | Best Entry Cashback |
| Monthly cap | RM30/mo | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | — | — |
| Annual fee | Free for life | Free for life |
| Fee waiver | Free (conditions apply) | Free for life |
| Min income | RM102,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Card | Gold |
| Lounge access | — No | — No |
| Travel insurance | — No | — No |
| Islamic | — No | — No |
| Sign-up promo | Apple iPhone 17 Pro draw (every 38th applicant, capped 3 units) or RM500 TnG guaranteed — spend RM3,000 in 60 days (promo 29 Jul–10 Aug 2026) | RM100 cashback for the first 200 new Amex cardholders each month — apply via Maybank2u/MAE, spend RM300 in 30 days (to 31 Jan 2027) |
| 🔎 What's excluded | No cashback on bank fees and charges (late payment, annual fee, cash advance), government taxes, instalment plans (Card/Cash Instalment, Balance Transfer, Balance Conversion) and other non-retail transactions — these also don't count toward the bonus-cashback spend requirement. | 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 base 0.2% domestic / 0.5% overseas cashback; the up-to-5% bonus on dining, entertainment and shopping requires a minimum monthly eligible spend set in the T&C tables. | None — any weekend spend on the Amex card earns 5%, subject to the monthly cap |
| 🔎 How the cap works | Base cashback is uncapped; bonus cashback is capped at RM30 per category (dining, entertainment, shopping) per statement month — RM90 max — resetting each cycle and credited within 6 weeks. | 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 | Converted at the Visa/Mastercard or bank rate plus a 1% conversion fee | 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.