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 OCBC 90°N Visa 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 | OCBC 90°N Visa CardOCBC Bank | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Points | Cashback |
| Cashback rate | — | 5% |
| Cashback categories | — | Best Entry Cashback |
| Monthly cap | None / — | RM50/mo |
| Points per RM1 | 1 | — |
| Miles per RM1 | — | — |
| Annual fee | RM288 | Free for life |
| Fee waiver | Free 1st year, then waived with min. RM30,000/yr retail spend | Free for life |
| Min income | RM60,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Card | Gold |
| Lounge access | ✓ Yes | — No |
| Travel insurance | ✓ Yes | — No |
| Islamic | — No | — No |
| Sign-up promo | — | — |
| 🔎 What's excluded | No Travel$ on: Easy Payment Plan, Balance Transfer, Call for Cash, Power Credit Cash Plus, outstanding balance, Auto Balance Conversion, cash advance, finance charges, annual fee, late payment charges, reversed/disputed/fraudulent transactions, card replacement fee, service tax, donations, government-related payments, JomPAY/FPX/DuitNow QR transactions, and any transaction made in the UK or an EU/EEA member country (full country list in the T&C). | 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 | 1 Travel$ per RM1 local spend, 5 Travel$ per RM1 overseas/foreign-currency spend — no stated monthly or annual cap on Travel$ earned. Redemption requires a minimum RM10 cashback-equivalent and at least one qualifying Travel Spending transaction (airlines, car rental, hotels, passenger transport, travel agencies, tourist attractions — by MCC) in the past 12 months; Travel$ redeemed via DuitNow QR or FPX don't count as Travel Spending. | 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's own currency-conversion rate plus OCBC's standard ~1.25% administration cost that applies to most OCBC cards not on the exemption list (per the general OCBC 'Credit Cards Fees and Charges' schedule) — assumed to apply since this card isn't named in that schedule's exemption footnote, not explicitly restated in this card's own T&C. | 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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