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 Titanium Mastercard 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 Titanium MastercardOCBC 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 | RM75 | Free for life |
| Fee waiver | Free 1st year, then waived with min. RM20,000/yr retail spend | Free for life |
| Min income | RM48,000/yr | RM30,000/yr |
| Network | Mastercard | Visa |
| Tier | Titanium | Gold |
| Lounge access | — No | — No |
| Travel insurance | — No | — No |
| Islamic | — No | — No |
| Sign-up promo | — | — |
| 🔎 What's excluded | Easy Payment Plan, Balance Transfer, Call for Cash, Power Credit Cash Plus, Auto Balance Conversion, outstanding balance, cash advance, finance charge, annual fee, late payment charge, reversed/disputed/fraudulent transactions, card replacement fee, service tax, other fees/charges, donations to charitable/social organisations, government-related payments, Great Eastern insurance, JomPAY/FPX/DuitNow QR, and — same pattern as the World Mastercard sibling — any transaction made in the UK or an EU/EEA country. | 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 12x (double-date/payday) and 6x (other days) OCBC$ online & e-wallet rates are capped at 20,000 OCBC$ per statement cycle combined; an unlimited 1x rate continues to earn once the cap is reached. Double-date = 1.1, 2.2 ... 12.12; payday = the 25th of every month. | 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 | A 1.25% administration cost (per the current PDS 07/26 fee schedule; only OCBC 365 Mastercard gets the lower 1.00% rate) plus Mastercard's own currency-conversion rate. | 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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