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 HSBC Visa Signature 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 | HSBC Visa Signature Credit CardHSBC Malaysia | 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 | 0.0417 | — |
| Annual fee | RM600 | Free for life |
| Fee waiver | Free 1st year; then waived with RM24,000/yr spend | Free for life |
| Min income | RM102,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Signature | Gold |
| Lounge access | ✓ Yes | — No |
| Travel insurance | — No | — No |
| Islamic | — No | — No |
| Sign-up promo | RM3,888 TnG e-wallet credit (every 28th qualified applicant, capped 3 units) or guaranteed RM500 TnG credit — apply via RinggitPlus, get approved, activate & spend RM3,000 in 60 days (promo 14–28 Sep 2026) | — |
| 🔎 What's excluded | No Reward Points on cash advances, balance transfers, instalment plans, JomPay/FPX transfers, or petrol/government/charity/quasi-cash merchant categories. | 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 | The 4x/4x/7x Additional Reward Points on Shopping/Online/Overseas spend are each capped at 15,000 points per month (on top of the 1x base rate). | 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 International rate plus a 1% foreign-currency conversion cost, plus any transaction fee Visa charges (HSBC's general Mar 2026 Product Disclosure Sheet, same document used for TravelOne — not Visa-Signature-specific). | 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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