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 RHB Cash Back Visa 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 | RHB Cash Back Visa Credit CardRHB Bank | Maybank 2 Gold CardsMaybank |
|---|---|---|
| Reward type | Cashback | Cashback |
| Cashback rate | 5% | 5% |
| Cashback categories | Petrol, dining, utilities & groceries (5% each, RM10/mo cap); online dining/groceries (10%, RM10/mo cap); all other spend (0.2%, uncapped) — top rate needs RM2,500+/mo total retail spend (0.2%/1%/2% at lower spend tiers) | Best Entry Cashback |
| Monthly cap | RM50/mo | RM50/mo |
| Points per RM1 | — | — |
| Miles per RM1 | — | — |
| Annual fee | RM70 | Free for life |
| Fee waiver | Free 1st year; waived thereafter with min. RM10,000/yr spend | Free for life |
| Min income | RM24,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Card | Gold |
| Lounge access | — No | — No |
| Travel insurance | — No | — No |
| Islamic | — No | — No |
| Sign-up promo | Up to RM225 cashback — RM25 on activation + any spend, plus up to RM200 on eligible spend entries (within 60 days of approval; campaign to 31 Dec 2026) | — |
| 🔎 What's excluded | No cashback on alcohol (packaged beer, wine and liquor), cigar stores or gambling transactions; no double-counting when a transaction fits multiple categories; personal (non-business) spend only. | 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 | RM2,500 total monthly spend to unlock the headline 10%/5% rates | None — any weekend spend on the Amex card earns 5%, subject to the monthly cap |
| 🔎 How the cap works | RM10 monthly cap per category across the five bonus categories (petrol, dining, utilities, grocery, online food & grocery delivery); other retail spend earns 0.2% uncapped. Cashback is computed on posting date with a cut-off one day before the statement cycle. | 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 conversion rate plus a 1% administration cost on transactions made in foreign currencies, per RHB's general Credit Card Product Disclosure Sheet ("Overseas Transaction Conversion Fee"). | 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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