Grab a credit card that gives you better rewards & more!

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.

Best Cashback Credit Cards

BBazaar's Best Cashback Credit Cards in Malaysia 2018

Last Updated on 6th December 2018

Credit Card Cashback Rate Best For
Standard Chartered JustOne Platinum MasterCard Up to 15% cashback Petrol and Utility Bills
HSBC Amanah MPower Visa Platinum Credit Card-i Up to 8% cashback Groceries and Petrol
Citi Cash Back Platinum Credit Card 10% Petrol and Grocery
CIMB Cash Rebate Platinum Credit Card Up to 5% cashback Petrol, Grocery and Utility Bills
UOB One Visa Platinum Card Up to 1% cashback Petrol, Grocery and Utility Bills
Shell-Citi Gold Credit Card Up to 8% cashback Petrol
Hong Leong WISE Platinum Credit Card 10% cashback (based on chosen category) Petrol, Groceries, Shopping, Utility Bills and Retail Purchases
Maybank Visa Signature 5% cashback Petrol and Grocery

Here are the Best Cashback Credit Cards in Malaysia 2018

Updated on 6th December 2018

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

Up to 15% cashback

(On Petrol)

0.20% cashback

(on Groceries)

0.20% cashback

(on online shopping)

Up to 15% cashback

(on Utility Bills )

Up to 15% cashback on online retail purchases and 0.2% on all other categories

(Retail Purchases)

Up to 8% cashback

(on Petrol)

Up to 8% cashback

(on Groceries)

Unlimited 0.2% cashback

(on Shopping)

Unlimited 0.2% cashback

(on Utility Bills)

Unlimited 0.2% cashback

(on Retail Purchases)

10% cashback

(On Petrol)

10% cashback

(on Groceries)

None

(on Shopping)

None

(On Utility Bills(based on chosen category ))

Unlimited 0.2% cashback

(on Retail (based on chosen category Retail ))

Up to 5% cashback

(On Petrol)

Up to 5% cashback

(On Grocery)

0.2% cashback

(on Shopping)

Up to 5% cashback

(On Utility Bills)

0.2% cashback

(On Retail Purchases)

1% cashback on weekdays and 5% on weekends

(On Petrol)

1% cashback on weekdays and 2% on weekends with partner merchants

(On Grocery)

0.2% cashback on all transactions and up to 10% with partner merchants

(On Shopping)

1% cashback on weekdays and 2% on weekends with Maxis, Digi & Celcom

(On Utility Bills)

0.2% cashback on all transactions

(On Retail Purchases)

Up to 8% cashback

(On Petrol)

None

(On Petrol)

None

(On Shopping)

None

(Utility Bills)

None

(Retail Purchases)

10% cashback (based on chosen category)

(On petrol)

10% cashback (based on chosen category)

(On Groceries)

10% cashback (based on chosen category)

(On Shopping)

10% cashback (based on chosen category)

(On Utility Bills)

10% cashback (based on chosen category)

(On Retail Purchases)

5% cashback

(On Petrol)

5% cashback

(On Grocery)

None

(On Shopping)

None

(On Utility Bills)

None

(On Retail Purchases)

Standard Chartered JustOne Platinum MasterCard

Save more with attractive cashback offers with the Standard Chartered JustOne Platinum MasterCard. The card provides a host of privileges and offers on transactions related to petrol, groceries, and more. Let’s have a look at the major features of this card.

Key Benefits

  • Get up to 15% cashback on auto bill payments, all online purchases, and fuel transactions.
  • Get 0.2% cashback on other category spends.
  • No annual fees for the principal card in the first year.
  • Supplementary card is free for life.
Additional Points Description
How to Use It
  • Swipe the Standard Chartered JustOne Platinum MasterCard for any online, retail, fuel, and other transactions.
  • Get cashback credited every month based on the total amount spent.
Good about It
  • Up to 15% cashback on a wide range of transactions.
  • Get exclusive offers and privileges with many partnering merchants.
  • Enjoy discounts and offers at 4,000 outlets of Good Life Privileges across Asia.
  • Get extra cash with the Cheque-On-Call Plus feature.
  • Make easy payments through the Samsung Pay mobile wallet
Keep in Mind
  • Auto bill payments include payments for Telco, insurance, and utilities only.
  • The 15% cashback comes with a cap of up to RM85 per month only when you spend RM2,500 and above.
  • Annual fee is charged at RM250 after the first year.

Who Should Get It

  • Those looking for attractive offers on online shopping.
  • Those looking for exclusive Standard Chartered offers and privileges on a host of retail and other payments.

HSBC Amanah MPower Visa Platinum Credit Card-i

Get up to 8% cashback on every RM1 spent on a number of categories. Read on to know more about the benefits from this card.

Key Benefits

  • Earn up to 8% cashback on grocery and petrol payments.
  • Earn flat 0.2% unlimited cashback on all other transactions.
  • Get an interest-free period of 20 days on all transactions made with the card.
  • Get access to premium privileges offered by Visa.
Additional Points Description
How to Use It
  • Pay with your HSBC Amanah MPower Visa Platinum Credit Card-i for petrol, groceries, and all other expenditure.
Good about It
  • Enjoy various offer on dining, shopping, entertainment activities, and travel expenses, both locally and overseas.
  • Get cash advance facilities with this card.
  • Get the convenience of auto-bill payments through the HSBC Amanah’s Auto Bill Payment Service.
Keep in Mind
  • Annual fees for the primary card is RM240 and RM120 for the supplementary card. Maximum cashback cap is RM50 per month.

Who Should Get It

  • Those who spend regularly on petrol and groceries.
  • Those looking for special privileges.

Citi Cash Back Platinum Credit Card

The Citi Cash Back Platinum Credit Card provides cash rebates and lets you earn cashback with every retail, grocery, petrol, and other purchases. Read below to learn more about the features of this credit card.

Key Benefits

  • Get 10% cashback on dining, GRAB rides, shopping, and petrol transactions.
  • Earn unlimited cashback of 0.2% for all other retail purchases.
  • Automatic credit of cashback into the account at the end of each month.
Additional Points Description
How to Use It
  • Swipe the Citi Cash Back Platinum Credit Card for any purchase.
  • Accumulate cashback with every transaction made with the card.
  • Automatic credit of cashback into the account at the end of each month.
  • Good about It
    • Interest-free period of 20 days for retail transactions done with the card.
    • Enjoy the benefits of Citibank World Privileges with this card.
    • Get a credit limit of up to RM450,000 with the card.
    • Pay utility bills through standing instructions with the card.
    • The card comes with a maximum credit limit of RM450,000.
    Keep in Mind
    • Annual fees of RM195 for principal card and RM100 for supplementary card.
    • Cashback cap of RM15 per month on petrol, groceries, GRAB rides, and dining expenses over RM1,500.
    • Annual income requirement of RM60,000.

    Who Should Get It

    • Those looking for cashback on petrol and grocery purchases.
    • Those looking for special privileges by using a card.

    CIMB Cash Rebate Platinum Credit Card

    With the CIMB Cash Rebate Platinum Credit Card, you get rewarded on your daily retail transactions. You earn points for shopping, travel, or utility expenses.

    Key Benefits

    • Get up to 5% cash rebates on petrol, cinema, grocery, utility, and mobile bill payments.
    • Get 2% cash rebates for purchases made in foreign currency online or retail.
    • Enjoy 0.2% unlimited cash rebates on other online or retail expenses.
    Additional Points Description
    How to Use It
    • Use your card to pay for all your shopping needs and utility bills.
    Good about It
    • Lifetime annual fee waiver for both principal and supplementary cards.
    • Free Touch ‘n Go Zing card with an auto-reload option for added convenience while travelling.
    Keep in Mind
    • You only get 5% cash rebate when your total monthly balance is RM3,000 and above.
    • You will get 2% cash rebate when your total monthly balance is below RM3,000.
    • Both 5% and 2% cash rebates are capped at RM30 per month.
    • Mobile and utility bill payments are available via standing instructions only.

    Who Should Get It

    • Those who spend on grocery, petrol, retail purchases, and utility bills regularly.

    UOB One Visa Platinum Card

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

    1% cashback on weekdays and 5% on weekends

    (On Petrol)

    1% cashback on weekdays and 2% on weekends with partner merchants

    (On Grocery)

    0.2% cashback on all transactions and up to 10% with partner merchants

    (On Shopping)

    1% cashback on weekdays and 2% on weekends with Maxis, Digi & Celcom

    (On Utility Bills)

    0.2% cashback on all transactions

    (On Retail Purchases)

    The UOB One Visa Platinum Card helps you save more on your everyday purchases. You earn cash rebates on an array of transactions and get access to other benefits too.

    Key Benefits

    • For petrol expenses, you get 1% cashback on weekdays and 5% on weekends..
    • Get 1% cashback on weekdays and 2% on weekends on groceries.
    • Movie expenses fetch you a 2% cash rebate on weekdays and 8% on weekends.
    • Enjoy 1% cash rebate on weekdays and 2% on weekends on telecommunication payments.
    • Earn 0.2% unlimited cash rebate on all other retail purchases
    Additional Points Description
    How to Use It
    • Use your card to pay for all your retail needs.
    Good about It
    • Additional cash rebates from the UOB SMART$ rebate programme with partner merchants.
    • Enjoy up to 15% off on dining deals at more than 150 restaurants in the region.
    Keep in Mind
    • The cash rebates on petrol are only applicable on a maximum spend of RM500 per month.
    • The cash rebates on groceries are only applicable on a maximum spend of RM1,500 per month.
    • The cash rebates for telecommunication payments are only applicable on a maximum spend of RM300 per month.
    • Cash rebates for cinema, groceries, and telecommunication transactions are only available at participating merchant outlets.

    Who Should Get It

    • Those who spend on grocery, petrol, movies, and dining on a regular basis.

    Shell-Citi Gold Credit Card

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

    Up to 8% cashback

    (On Petrol)

    None

    (On Petrol)

    None

    (On Shopping)

    None

    (Utility Bills)

    None

    (Retail Purchases)

    Enjoy great savings on your petrol expenditures with the Shell-Citi Gold Credit Card with up to 8% cash rebates at Shell fuel stations across the country.

    Key Benefits

    • Get 8% cashback on fuel when your total spending is RM2,500 or more.
    • Earn 6% cashback on fuel when your total spending ranges from RM1,000 to RM2,499.
    • Enjoy 4% cashback on fuel when your total spending ranges from RM300 to RM999.
    Additional Points Description
    How to Use It
    • Swipe this card at Shell fuel stations for your petrol expenses.
    Good about It
    • Annual fee waiver for the first three years.
    • Access to discounts of up to 50% and preferential treatment at more than 25,000 businesses around the world.
    • Access to exclusive healthcare packages.
    Keep in Mind
    • You need to swipe your card at least 3 times within 60 days from card approval date for the annual fee waiver.
    • For 8% cashback, the maximum spending amount eligible for rebates is RM800.
    • For 6% cash rebates, the maximum spending amount is RM500.
    • The maximum spending amount eligible for 4% cash rebates is RM250.

    Who Should Get It

    • Those looking for a card that will help them save more on their fuel-related expenses.

    Hong Leong WISE Platinum Credit Card

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

    10% cashback (based on chosen category)

    (On petrol)

    10% cashback (based on chosen category)

    (On Groceries)

    10% cashback (based on chosen category)

    (On Shopping)

    10% cashback (based on chosen category)

    (On Utility Bills)

    10% cashback (based on chosen category)

    (On Retail Purchases)

    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.

    Maybank Visa Signature Credit Card

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

    5% cashback

    (On Petrol)

    5% cashback

    (On Grocery)

    None

    (On Shopping)

    None

    (On Utility Bills)

    None

    (On Retail Purchases)

    The Maybank Visa Signature Credit Card gives you cash rebates on petrol and grocery transactions. With this card, you can save money and enjoy other rewards and benefits too.

    Key Benefits

    • Get 5% cash rebates on petrol and grocery expenses.
    • Get 5x TreatsPoints for every RM1 spent overseas.
    • Get 1x TreatsPoints for every RM1 spent locally.
    Additional Points Description
    How to Use It
    • Use your card for all your retail purchases in Malaysia and overseas.
    • Redeem your accumulated points for merchandise or convert them to cash.
    Good about It
    • Enjoy fast-track immigration at more than 280 international airports.
    • 24/7 access to Visa Signature Concierge service
    • Travel personal accident insurance of up to RM1 million.
    • Travel coverage for missed flight connection of RM1,000 (after 12 hours)
    • Travel coverage for lost luggage for RM3,000 (after 48 hours)
    Keep in Mind
    • The 5% cashback is capped at RM88 per month.
    • You don’t get TreatsPoints for petrol and grocery transactions.
    • You don’t get TreatsPoints for transactions with government bodies.
    • Cash rebates amounting to RM1 and above will be awarded.
    • Your annual income must be RM70,000 to RM100,000 to qualify for this card.

    Who Should Get It

    • Those looking for a card that helps them save money on petrol and groceries.
    • Those who travel regularly.
    • Those looking for reward points on their card.

    Choose the Best Cashback Credit Card

    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 cards come with a minimum spend requirement for you to earn the cashback on 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.

    Review

    While all the cashback credit cards listed above provide a unique set of benefits, the Hong Leong WISE Platinum Credit Card stands out. With this card, you can maximize your cashback by choosing the spend category most relevant to you. You can switch categories any time and choose the one that suits your current needs and still enjoy the 10% cashback.

    While all the cashback credit cards listed above provide a unique set of benefits, the Hong Leong WISE Platinum Credit Card stands out. With this card, you can maximize your cashback by choosing the spend category most relevant to you. You can switch categories any time and choose the one that suits your current needs and still enjoy the 10% cashback.

    Illustration

    Let’s assume that your monthly expenditure on groceries, petrol, and mobile bill payments is RM1,100. Let us see a breakdown of these expenses to get a better picture of how much cashback you can earn with the Hong Leong WISE Platinum Credit Card.

    Expense Category Amount Spent Cashback (%) Cashback Calculation Cashback Earned
    Groceries RM600 10% RM600 x 0.10 = 60 RM60
    Petrol RM400 10% RM400 x 0.10 = 40 RM40
    Mobile RM100 10% RM100 x 0.10 = 10 RM10
    Total RM1,100   RM110

    The total cashback you earn on all your monthly expenditure is RM110. However, you will only get RM100 because the cashback for this card is capped at RM100 per month.

    Looking for More

    Pick Up the Other Best Credit Card Category You May Like

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.