• Best Cashback Credit Cards 2018

    Cashback credit cards are among the most sought-after credit cards as they allow you to save on specific expenses charged to the card. The card gives you a small percentage of the amount spent using your card back to you.

    Here are the Best cashback Credit Cards in Malaysia,

    HSBC Amanah MPower Visa Platinum Credit Card-i

    This card allows you to maximise your savings and gives you a high rate of cashback for petrol and groceries and uncapped cashback at a lower rate for all other expenses.

    Ideal for:

    • The card is ideal for petrol and grocery expenses.

    What you will get:

    • You can get up to 8% cashback on petrol and grocery expenses when the minimum monthly spend exceeds RM2,000.
    • You can get up to 2% cashback on petrol and groceries when the minimum spend is below RM2,000.
    • You can get 0.2% unlimited cashback on all other expenses charged to the card with no minimum spend requirement.

    Keep in mind:

    • The 8% or the 2% cashback for petrol and groceries is capped to RM50 per month for both categories.
    • Cashback for petrol is earned only at Shell, Caltex, and Petronas petrol stations.
    • Cashback for groceries is earned only at Giant, Tesco, Mydin, and AEON Big.
    Exploremore about HSBC Amanah MPower Visa Platinum Credit Card-i

    Citi Cash Back Platinum Card

    This card gives you a higher rate of cashback on everyday expenses such as petrol, groceries, telco bills, and pharmaceuticals. The card also earns an unlimited flat rate of cashback for all other expenses charged to it.

    Ideal for:

    • The card is ideal for everyday expenses such as petrol, groceries, telco bills, and pharmaceutical expenses.

    What you will get:

    • You can get up to 5% cashback on petrol expenses charged to the card.
    • You can get up to 2% cashback on groceries charged to the card.
    • You can get up to 2% cashback on pharmaceutical expenses and telco bills.
    • You can get 0.2% unlimited cashback on all other retail expenses charged to the card.

    Keep in mind:

    • The cashback earned on petrol is capped to RM20 per month.
    • The cashback earned on groceries is capped to RM60 per month and is applicable only on expenses incurred at AEON Big, Tesco, Giant, Everise, Econsave, and Mydin.
    Exploremore about Citi Cash Back Platinum Card

    Maybank American Express Cash Back Gold Card

    This card is available to both, Malaysian Citizens and expatriates alike. The card gives you cashback on local and overseas expenses charged to it and also offers a bonus welcome cashback rate.

    Ideal for:

    • Malaysian Citizens and foreign nationals who utilise the card either locally or overseas.

    What you will get:

    • You can get up to 1% unlimited cashback on local retail expenses charged to the card.
    • You can get up to 1.5% unlimited cashback on overseas retail expenses charged to the card.
    • You can get 5% cashback on cards approved until 28 February 2018 for a period of 3 months.

    Keep in mind:

    • The annual income requirement for Malaysian citizens is RM30,000 whereas expatriates require an annual income of RM60,000.
    • The cashback earned on the 5% welcome cashback programme is only applicable for new-to-bank customers. The 5% cashback earned in the first three months is capped to a total of RM100 per cardholder.

    UOB ONE Platinum Card

    This credit card from UOB gives you cashback on a wide range of expenses such as petrol, cinema, groceries and telco bills, and offers a higher rate of cashback when these expenses are incurred on weekends. The card also offers an uncapped flat rate of cashback on other all retail expenses incurred.

    Ideal for:

    • Everyday expenses such as petrol and groceries.
    • Ideal for paying telco bills.
    • Ideal for weekend entertainment expenses.

    What you will get:

    • You can get up to 1% cashback on weekday petrol expenses, 3% cashback on petrol expenses incurred on Wednesdays, and 5% cashback on weekend petrol expenses.
    • You can get up to 1% cashback on weekday grocery expenses and 2% cashback on weekend grocery expenses.
    • You can get up to 2% cashback on weekday cinema expenses and 8% cashback on weekend cinema expenses.

    Keep in mind:

    • The cashback on petrol is limited to a spend of up to RM500 per month on petrol expenses.
    • The cashback on groceries is limited to RM1,500 per month and is valid at Jaya grocer, Tesco, Giant, and AEON Big.
    • The cashback for cinemas is only applicable at Golden Screen Cinemas.
    Exploremore about UOB ONE Platinum Card

    Mach Credit Card

    Mach by Hong Leong offers the Mach Credit card that caters to millennials and offers 4 different packages, each offering cashback of varying rates on specific expenses. You can choose the package based on what you are most likely to spend on.

    Ideal for:

    • Those who spend predominantly on movies, nightlife, shopping, and dining.

    What you will get:

    • You can choose from 4 different packages with each package offering cashback on specific categories. Packages include ‘Social package’, ‘Savvy package’, ‘Trendsetter package’, and the ‘Others Categories’.
    • Each package offers 3 categories of cashback. You can choose the categories as per your lifestyle needs.
    • Get cashback of 10% at select movie screens under the ‘Social package’, 5% on select dining outlets under the ‘Trendsetter package’, 3% cashback on mobile bills from select providers under the ‘Savvy package’, and 2% cashback on expenses incurred at select departmental stores under the ‘others categories’.

    Keep in mind:

    • Cashback is capped to RM100 under each category per quarter.
    • The annual fees of the card can be waived when the card is swiped a minimum of 12 times in a year.

    CIMB Cash Rebate Platinum Credit Card

    The card offers you cashback on a wide range of expenses incurred locally and on retail expenses incurred overseas. The card also has an annual fee waiver for life.

    Ideal for:

    • For everyday expenses such as petrol and groceries.
    • Those who frequently spend on cinemas and mobile and utility bill payments.
    • For overseas expenses.

    What you will get:

    • The card earns a cashback of up to 5% on cinemas, petrol, groceries, utility bill payments and mobile bill payments when the monthly statement balance exceeds RM3,000.
    • The card earns a cashback of 2% on cinemas, petrol, groceries, mobile bills and utility bills when the monthly balance is below RM3,000.
    • The card earns a cashback of 2% on overseas retail expenses and online expenses carried out in foreign currencies. For all other retail expenses, the card earns an unlimited cashback of 0.2%.

    Keep in mind:

    • The 5% and 2% cashback is capped to RM30 per month per cardholder.
    • Mobile and utility bill payments made only through standing instruction are eligible for cashback.
    Exploremore about CIMB Cash Rebate Platinum Credit Card

    Cashback cards give you higher rates of cashback on specific expenses but to maximise your cashback, you need to choose the right card and category according to your spending patterns. Making credit card payments in full will also ensure you get the most out of your cashback.

    Compare & Explore about Credit Cards in Malaysia
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