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 OCBC World Mastercard vs the Maybank 2 Gold Cards; change either card below.
| Feature | OCBC World MastercardOCBC Bank | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Cashback | Cashback |
| Cashback rate | 1% | 5% |
| Cashback categories | Overseas spend (1%) / local spend (0.5%) | Best Entry Cashback |
| Monthly cap | None / — | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | — | — |
| Annual fee | RM388 | Free for life |
| Fee waiver | Free 1st year | Free for life |
| Min income | RM100,000/yr | RM30,000/yr |
| Network | Mastercard | Visa |
| Tier | World | Gold |
| Lounge access | ✓ Yes | — No |
| Travel insurance | ✓ Yes | — No |
| Islamic | — No | — No |
| Sign-up promo | — | 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 | Easy Payment Plan, balance transfers, Call-for-Cash, Power Credit Cash Plus, auto balance conversion, cash advances, finance/late charges, annual fee, disputed/fraudulent transactions, government payments, JomPAY/FPX/DuitNow QR, and — notably — any transaction made in the UK or an EU/EEA country (full country list in the T&C) are all excluded from cashback. | 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 | No cap — the official T&C sets no monthly or annual cashback ceiling on Total Retail 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/Mastercard's own currency-conversion rate plus a standard 1.25% administration cost and any transaction fee Visa/Mastercard charges — per OCBC's general Credit Cards Fees and Charges schedule (the World Mastercard is not among the 4 cards that document exempts from the 1.25%). | 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.