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 UOB Lady's 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 | UOB Lady's CardUOB 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 | RM128 | Free for life |
| Fee waiver | Waived with min. RM20,000/yr spend (Platinum tier, effective 1 Jan 2026) | Free for life |
| Min income | RM60,000/yr | RM30,000/yr |
| Network | Visa | Visa |
| Tier | Card | Gold |
| Lounge access | — No | — No |
| Travel insurance | — No | — No |
| Islamic | — No | — No |
| Sign-up promo | RM88 cashback — spend RM200 in 60 days + up to RM50 more for setting up 1 eligible recurring payment (insurance or telco/utilities) within 60 days (both to 31 Dec 2026); plus 2-year annual fee waiver — official UOB welcome offer | — |
| 🔎 What's excluded | — | 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 | Monthly UNIRM cap by tier: Classic 8,000, Platinum 15,000, Solitaire 20,000. The card-wide 20,000,000 UNIRM/month cap that used to sit on top of these tier caps was removed effective 1 September 2025. | 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 | The conversion rate is subject to an administration charge of up to 1.22% levied by Visa/Mastercard International, plus a 1.00% foreign exchange conversion markup levied by UOB on the converted Ringgit Malaysia amount. | 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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