• Best Cashback Credit Cards of 2018

    A cashback credit card earns you a percentage of the transaction with every use. The cashback earned is transferred to your credit account with every transaction or on a monthly basis. A cashback card can help you boost your monthly savings.

    Here are the Best Cashback Credit Cards in Malaysia 2018

    Updated on 3rd August 2018

    Card Name
    Petrol Expenses
    Groceries and Shopping
    Utility Bills and Retail Purchases
    Know More

    Up to 5% cashback

    Up to 5% cashback on Groceries

    Up to 5% cashback on online shopping

    Up to 5% cashback on Utility Bills

    0.2% cashback on Retail

    None

    6% cashback on Groceries

    6% cashback on Shopping

    None

    None

    10% cashback (based on chosen category)

    10% cashback(based on chosen category on Groceries)

    10% cashback(based on chosen category on Shopping)

    10% cashback on Utility Bills(based on chosen category )

    10% cashback on Retail (based on chosen category Retail )

    None

    Up to 5% cashback on Groceries

    None

    None

    None

    None

    2% cash rebate

    2% cash rebate on lifestyle and 1% cash rebate on online shopping

    3% cash rebate on mobile bill payment

    None

    1% cashback on a weekday; 5% cashback in weekend

    Grocery: 1% cashback on a weekday and 2% cashback in weekend

    Shopping: None

    Utility Bills: Mobile Bill—1% cashback on a weekday; 2% cashback in weekend

    Retail Purchases: 0.2% cashback on all other retail purchases

    5% cashback

    5% cashback on Groceries

    None on Shopping

    None

    None

    None

    None

    3% cashback on online shopping

    None

    None

    Best Credit Cards for Cashback

    RHB Smart Value Credit Card

    RHB Smart Value Credit Card provides cashback on a number of categories. So, you don’t have to manage different cards for rewards on different categories. The percentage of cashback depends on the total monthly spend.

    Key Benefits

    • Get more cashback when you spend more.
    • Enjoy a cashback of up to 5% on petrol, groceries, online shopping, and utility bills payment.
    • Get a complimentary travel insurance coverage of up to RM100,000.
    Additional Points Description
    How to Use It
    • Pay with the card when you make any transactions.
    • Earn cashback based on the total monthly spend you make.
    Good about It
    • You can pay on-the-go by waving your card at the contactless payment terminal at a merchant outlet.
    • Get unlimited cashback on the retail spends other than petrol, groceries, online transactions, and utility bill payments.
    Keep in Mind
    • The cashback you can earn on the petrol, online shopping, groceries, and utility bills payment categories is capped at RM10 per category per month.
    • You have to pay an annual fee of RM70.

    Who Should Get It

    • Those who spend regularly on petrol transactions.
    • Those who pay utility bills every month.
    • Those who make online purchases.
    • Those who buy groceries regularly.

    PB Visa Signature Credit Card

    The card offers a cashback of 6% when you spend on grocery, online transaction, and dining. You can also get reward points when you spend on other retail purchases i.e. enjoy double rewards with the card.

    Key Benefits

    • Get 6% cashback on dining, groceries, and online transactions.
    • Earn 1 VIP Point on every RM1 you spend on other retail transactions.
    Additional Points Description
    How to Use It
    • Use the Public Bank Visa Signature Credit Card to pay for your purchases.
    • Earn cashback on dining, grocery, and online transactions.
    • Get VIP Points on all other retail transactions.
    Good about It
    • Enjoy 2 complimentary visits to Plaza Premium Lounge.
    • Stay secure with the complimentary travel insurance coverage of up to RM500,000.
    Keep in Mind
    • The annual fee can be waived when you make a minimum of 12 swipes with the card in a year.
    • The cashback you can earn per month is capped at RM38.
    • The complimentary travel insurance is offered only when you charge the flight fare to your card entirely.

    Who Should Get It

    • Those who spend on grocery purchases regularly.
    • Those who shop online often.
    • Those who dine at restaurants often.

    Hong Leong WISE Platinum Credit Card

    Hong Leong WISE Platinum Credit Card offers cashback on the categories you choose from the list of available options. Enjoy the cashback deal throughout the year at an annual fee of RM300. Know more about the card here.

    Key Benefits

    • Enjoy 10% cashback on the chosen category throughout the year.
    • Switch categories based on your convenience.
    • Get the benefits of a default bonus category in addition to the categories you choose.
    Additional Points Description
    How to Use It
    • Pay with the Hong Leong WISE Platinum Credit Card when you make any transactions.
    • Meet the minimum spend criterion to earn cashback on the chosen categories.
    Good about It
    • Select up to 2 categories to earn cashback on your spend.
    • The expenses you make with supplementary cards are considered to calculate the cashback.
    Keep in Mind
    • The cashback is awarded only if the monthly spend is RM2,000 or more.
    • The cashback is capped at RM100 per month.

    Who Should Get It

    • Those who spend on one of the categories on which the card provides cashback, such as petrol, utility bills, dining, bookshop, and pharmacies.

    CIMB Tesco Platinum Credit Card

    CIMB Tesco Platinum Card is a co-branded card that offers cash rebate and reward points when you spend at a Tesco Store. The cash rebate you earn depends on the total statement balance. Get a Touch ‘n Go Zing card with the auto-reload facility.

    Key Benefits

    • Earn a cash rebate of 2% on the amount spent at a Tesco Store when your statement balance is RM3,000 or less.
    • Get 5% cash rebate on the Tesco spend when the statement balance of your card is above RM3,000.
    • Earn 1 Tesco Clubcard Point on every RM2 spent with the card at a Tesco Store.
    • Earn 1 Clubcard Point when you spend every RM4 with the card outside the Tesco Store.
    Additional Points Description
    How to Use It
    • Pay with the CIMB Tesco Platinum Credit Card for any purchase you make at a Tesco Store.
    • Earn cash rebate and reward points on the amount you spend at a Tesco Store.
    • Earn reward points on the amount you spend on all other transactions.
    Good about It
    • Get Tesco Clubcard at no additional charge.
    • The card comes with the tap and pay technology to make the payments quicker.
    Keep in Mind
    • The cash rebate you can earn is capped at RM50 per card per month.
    • Cash rebate and reward points are not awarded for the transactions done at petrol kiosks.

    Who Should Get It

    • Those who buy groceries regularly.
    • Those who make purchases at Tesco often.
    • Those who make multiple transactions with the card every month.

    Mach Credit Card

    Mach Credit Card provides up to 10% cash rebate on the amount you spend with the card. The cards come with 3 packages consisting of 3 categories each. Each category has a designated cash rebate.

    Key Benefits

    • Choose the package that suits your lifestyle out of the available packages.
    • Switch between categories as and when required.
    • Pick an add-on category beyond the package you have chosen and get unlimited 0.2% cashback.
    Additional Points Description
    How to Use It
    • Use the card to pay for your transactions.
    • The cashback is credited every month after calculating the total spend of the month.
    Good about It
    • Get an annual fee waiver when you make a minimum of 12 swipes with your card in a year.
    Keep in Mind
    • The cashback is capped at RM100 per category per quarter.
    • For other purchases, the cashback is capped at RM50 per month

    Who Should Get It

    • Those who spend on categories, such as travel, movies, petrol, and groceries.

    UOB One Credit Card

    UOB Bank provides up to 8% cash rebate on different categories. Also, the percentage of cash rebate varies if you purchase on a weekday or a weekend. Know more about the card here.

    Key Benefits

    • Get 1% cash rebate on petrol when you transact on a weekday and 5% on a weekend.
    • Get unlimited cash rebate of 2% on weekdays and 8% on weekends when you purchase a movie ticket at Golden Screen Cinemas.
    • Receive SMART$ rebate when you pay with your UOB One Card at any participating merchant outlet.
    • Enjoy a discount of 15% when you dine at any of the 150 participating restaurants.
    • Shop groceries for a minimum of RM150 at Honestbee and save RM20 on your bill.
    Additional Points Description
    How to Use It
    • Pay with your UOB One Card for petrol, cinema, groceries, and all other spends.
    • At the end of the month, the cash rebate will be credited to your account.
    Good about It
    • You can use the cash rebate to pay the outstanding balance of your card.
    • No minimum purchase criteria to earn cash rebates.
    Keep in Mind
    • You will earn a cash rebate on grocery spend only if you purchase at Tesco, Cold Storage, Aeon Big, Jaya Grocer, and Giant.
    • Cash rebate on mobile bill payment is valid only if your telecommunication partner is Maxis, Digi, or Celcom.
    • The cash rebate is capped at RM300 per month for petrol, RM1,000 per month on groceries, and RM200 per month on mobile bills.

    Who Should Get It

    • Those who spend regularly on petrol and cinema.
    • Those who shop for groceries often.

    Maybank Visa Signature Credit Card

    The Maybank Visa Signature Credit Card provides double rewards, i.e. TreatsPoints and cashback. Read on to know about the categories that provide TreatsPoints and those that give cashback.

    Key Benefits

    • Earn 5% cashback when you spend on petrol and groceries every day.
    • Earn 1 TreatsPoint for every RM1 you spend in Malaysia.
    • Accumulate 5 TreatsPoints for every ringgit spent abroad.
    • Enjoy fast track immigration procedure at the participating international airports.
    Additional Points Description
    How to Use It
    • Swipe the Maybank Visa Signature Credit Card when you purchase anything.
    • Get TreatsPoints and cashback based on the category of expense.
    • Redeem TreatsPoints for cash or any item of your choice.
    • Use the
    Good about It
    • You can convert the accumulated TreatsPoints into cash, i.e. 40,000 TreatsPoints can get you RM100.
    • Get a travel insurance coverage of up to RM2 million when the full airfare is charged to your card.
    Keep in Mind
    • The cashback is capped at RM88 per month.
    • TreatsPoints are not provided for petrol and grocery purchases.
    • TreatsPoints are not awarded for government-related transactions.
    • The minimum cashback awarded is RM1.

    Who Should Get It

    • Those who spend regularly on petrol and grocery purchases.
    • Those who make local and overseas retail transactions.

    AmBank TRUE Visa Credit Card

    Unlike the other AmBank credit cards that provide reward points, the AmBank TRUE Visa Credit Card provides cash rebates. Read through to know the categories that provide cash rebates and the other available benefits of the card.

    Key Benefits

    • Get a cash rebate of 3% when you pay with AmBank TRUE Visa Credit Card for your online purchases.
    • Annual fee payment is no more a burden as the bank has waived the annual fee for a lifetime.
    • Enjoy 0% Easy Payment Plan with a repayment period of up to 24 months when you purchase at the participating merchant outlets.
    • New customers can get a balance transfer facility at an interest rate of 0% for a repayment tenure of 12 months.
    Additional Points Description
    How to Use It
    • Pay for your online purchases with your AmBank TRUE Visa Credit Card.
    • Earn cash rebate of 3% on the amount spent.
    Good about It
    • Set a standing instruction so your bills are automatically paid on time.
    • Get fast and convenient e-Statements every month for free to keep track of your expenses.
    Keep in Mind
    • The cash rebate is capped at RM30 per month.

    Who Should Get It

    • Those who shop online very often.

    How to Choose the Best Cashback Cards?

    A cashback or cash rebate credit card can help you increase your savings on a monthly basis. There are a number of cashback cards available that earn you cash rebates on a range of retail transactions. Most of these Credit cards come with a minimum spend requirement for you to earn the cashback with every retail transaction.

    It is highly recommended that you read all the terms and conditions before choosing a card that suits your lifestyle and monthly financial budget needs the best. While searching for the suitable card, it is also suggested that you take into account the annual fees, income requirement, and other fees and charges of the card before opting for a card.

    If you are interested in other types of card, check the best petrol credit cards and the best shopping credit cards

    BBazaar's Best Cash Back Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Best For Cashback Rate
    RHB Smart Value Credit Card Petrol, Grocery, Shopping, Utility Bills 10%
    PB Visa Signature Credit Card Groceries and Shopping 6%
    Hong Leong WISE Platinum Credit Card Petrol, Grocery, Shopping, Utility Bills and Retail Purchase 10%
    CIMB Tesco Platinum Credit Card Groceries Up to 5% cashback
    Mach Credit Card Utility Bills 3%
    UOB One Card Grocery and Utility Bills 2% cashback during weekends
    Maybank Visa Signature Credit Card Petrol and Groceries 5%
    AmBank TRUE Visa Credit Card Shopping 3% cashback on online shopping

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