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 Muamalat Visa Platinum-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 Muamalat Visa Platinum-iBank Muamalat | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Cashback | Cashback |
| Cashback rate | 1% | 5% |
| Cashback categories | E-commerce (overseas retail is uncapped) | Best Entry Cashback |
| Monthly cap | RM50/mo | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | — | — |
| Annual fee | RM138 | Free for life |
| Fee waiver | Free 1st year; 12 transactions/year | 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 | Cashback applies only to the 3 stated categories (overseas face-to-face retail, e-commerce, contactless); a detailed MCC-level exclusion list is not published on the official product page or the general Credit Card-i PDS — not verified beyond that, 18 Aug 2026. | 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 | Not a cashback condition — this is the general Credit Card-i minimum monthly payment: 5% of statement balance plus any fixed instalment amount, or RM50, whichever is higher. | None — any weekend spend on the Amex card earns 5%, subject to the monthly cap |
| 🔎 How the cap works | Overseas face-to-face retail: unlimited 1% cash back, uncapped. E-commerce: 1% cash back capped at RM50/month. Contactless: 0.3% cash back capped at RM50/month. (Overseas + e-commerce + contactless caps are separate, not pooled.) | 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 | Exchange rate set by Visa at conversion time, plus a 1% service fee on the converted amount — per Bank Muamalat's general Credit Card-i Product Disclosure Sheet (bank-wide fee schedule). | 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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