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Best Cashback Credit Cards of 2019

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 2019

Last Updated on 8th February 2019

Credit Card Cashback Rate Best For
HSBC Amanah MPower Visa Platinum Credit Card-i Up to 8% cashback Petrol & Grocery
Standard Chartered JustOne Platinum MasterCard Up to 15% cashback Petrol and Utility Bills
Citi Cash Back Credit Card Up to 10% cash back Petrol & Groceries
PB Visa Signature Credit Card 6% cashback Groceries and Shopping
CIMB Tesco Platinum Credit Card Up to 5% cash rebate Grocery
AEON BiG Visa Gold Card 5% cashback (only on Sundays) Petrol
Alliance Bank You:nique Card Up to 3% cash rebate Petrol, Grocery and Utility Bills
Hong Leong WISE Platinum Credit Card 10% cashback (based on the chosen category) Petrol and Grocery

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Here are the Best Cashback Credit Cards in Malaysia 2019

Updated on 8th February 2019

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)

Up to 10% cash back

(On Petrol)

Up to 10% cash back

(On Petrol)

None

(On Shopping)

None

(Utility Bills)

Unlimited 0.2% cash back

(Retail Purchases)

None

(On Petrol)

6% cashback

(on Groceries)

6% cashback on online shopping

(on Shopping)

None

(On Utility Bills(based on chosen category ))

None

(on Retail (based on chosen category Retail ))

None

(On Petrol)

Up to 5% cash rebate

(On Grocery)

None

(on Shopping)

None

(On Utility Bills)

None

(On Retail Purchases)

5% cashback (only on Sundays)

(On Petrol)

5% cashback at AEON BiG Stores when you use Visa payWave.

5% cashback on the AEON BiG Thank you Member Day.

(On Grocery)

2% cashback on online shopping.

(On Shopping)

None

(On Utility Bills)

2% cashback for overseas transactions.

(On Retail Purchases)

Up to 3% cash rebate

(On Petrol)

Up to 3% cash rebate

(On Petrol)

Up to 3% cash rebate

(On Shopping)

None

(Utility Bills)

Up to 3% cash rebate

(Retail Purchases)

10% cashback (based on the chosen category)

(On Petrol)

10% cashback (based on the chosen category)

(On Grocery)

10% cashback (based on the chosen category)

(On Shopping)

10% cashback (based on the chosen category)

(On Utility Bills)

10% cashback (based on the chosen category)

(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.

PB Visa Signature Credit Card

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

None

(On Petrol)

6% cashback

(on Groceries)

6% cashback on online shopping

(on Shopping)

None

(On Utility Bills(based on chosen category ))

None

(on Retail (based on chosen category Retail ))

Enjoy cashback on your dining expenditures and online transactions. You also get reward points when you spend on other retail purchases.

Key Benefits

  • Get 6% cashback on groceries, dining, and online transactions.
  • Earn 1 VIP Point on every RM1 you spend on other retail transactions.
Additional Points Description
How to Use It
  • Use this card to pay for your online and retail purchases.
  • Use the card to earn cashback on dining and grocery transactions.
  • Use it for retail transactions to earn VIP Points on all other retail transactions.
Good About It
  • You get 2 complimentary visits to Plaza Premium Lounge.
  • You get a complimentary travel insurance coverage of up to RM500,000.
  • You enjoy an annual fee waiver for the first year.
Keep in Mind
  • After the first year, the annual fee will be waived if you make a minimum of 12 swipes in a year.
  • The cashback per month is capped at RM38.
  • The automatic complimentary travel insurance is offered only when you charge the flight tickets to your card.

Who Should Get It?

  • Those who use a credit card for grocery purchases and online shopping regularly.
  • Those who dine at restaurants frequently.

CIMB Tesco Platinum Credit Card

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

None

(On Petrol)

Up to 5% cash rebate

(On Grocery)

None

(on Shopping)

None

(On Utility Bills)

None

(On Retail Purchases)

This co-branded card offers cash rebates and reward points (Tesco Clubcard Points) when you shop at a Tesco Store. The cash rebates you earn depends on the total statement balance. You also get a Touch ‘n Go Zing card with the auto-reload facility.

Key Benefits

  • If your statement balance is RM3,000 and above, you earn a 5% cash rebate on your Tesco transactions for that month.
  • If your statement balance is RM3,000 and below, you earn a 2% cash rebate on your Tesco transactions for that month.
  • Earn 1 Tesco Clubcard Point on every RM2 spent with this card at a Tesco Store.
  • Earn 1 Clubcard Point when on every RM4 spent with this 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 all other transactions.
Good About It
  • You can get a Tesco Clubcard at no additional charge.
  • The card comes with the ‘tap and pay technology’ to make your payments quicker.
Keep in Mind
  • The cash rebate is capped at RM50 per card per month.
  • Cash rebate and reward points are not awarded for transactions done at petrol kiosks.

Who Should Get It?

  • Those who spend regularly on groceries using their credit cards.
  • Those who make purchases at Tesco frequently.

Alliance Bank You:nique Card

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

Up to 3% cash rebate

(On Petrol)

Up to 3% cash rebate

(On Petrol)

Up to 3% cash rebate

(On Shopping)

None

(Utility Bills)

Up to 3% cash rebate

(Retail Purchases)

This card helps you save on your monthly expenses by providing you with cash rebates on all transactions. It can also be personalised with a picture of your choice.

Key Benefits

  • Earn a cash rebate of up to 3% on all retail transactions.
  • Personalise the card with an image of your choice.
  • Enjoy an annual fee waiver on the card for the first 3 years.
  • Swipe your card 12 times or charge your card for RM5,000 or more in a 12-month period and get the annual fee waived from 4th year onwards.
Additional Points Description
How to Use It
  • Use your Alliance Bank card to make retail purchases.
Good About It
  • All retail transactions will earn you cash rebates.
  • Option to personalise your card by using your own photo on the card.
  • No cap on cash rebates.
Keep in Mind
  • A cash rebate of 3% is offered only when the monthly spend is between RM2,001 and RM3,000.

Who Should Get it

  • Those who wish to use a credit card for monthly retail purchases.

HSBC Amanah MPower Visa Platinum Credit Card-i

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

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)

HSBC Amanah MPower Visa Platinum Credit Card-i offers cashback when you use the card for buying fuel and groceries as well as for other transactions.

Key Benefits

  • Get up to 8% cashback on fuel and grocery purchases made at participating partner outlets.
  • Get 0.2% unlimited cashback when you carry out any other retail transactions.
  • Enjoy an interest-free period of 20 days on all transactions made with the card.
  • Enjoy an array of privileges from Visa.
Additional Points Description
How to Use it
  • Use your HSBC Amanah MPower Visa Platinum Credit Card-i for petrol, groceries, and all other purchases to earn cashback.
Good About it
  • Enjoy deals and offers on dining, shopping, leisure, and travel locally and overseas.
  • Get cash in advance with this card.
  • Make use of the auto-bill payment facility to pay your bills.
  • Make use of the SmartPrivileges programme to enjoy exclusive offers and deals.
  • The minimum income requirement for this card is RM36,000 p.a.
Keep in Mind
  • You can earn 8% cashback on petrol and groceries only if you spend a minimum of RM2,000. If your spends are less than RM2,000, you only earn 2% cashback.
  • The cashback on petrol and groceries is capped at RM50 per month per principal cardholder, subjected to a maximum cashback of RM600,000 to be awarded each calendar month.
  • The participating partners are as follows:
    • Petrol: Shell, Caltex and Petronas
    • Groceries: Giant, Tesco, AEON BiG, and Mydin.

Who Should Get it?

  • Those who use their card to buy fuel.
  • Those who shop regularly at Giant, Tesco, AEON BiG, and Mydin.

Citi Cash Back Credit Card

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

Up to 10% cash back

(On Petrol)

Up to 10% cash back

(On Petrol)

None

(On Shopping)

None

(Utility Bills)

Unlimited 0.2% cash back

(Retail Purchases)

Citi Cash Back Credit Card offers up to 10% cash back when you use the card for selected spends. You can also enjoy privileges at over 24,000 hotels, boutiques, and other outlets.

Key Benefits

  • Earn up to 10% cash back on petrol, groceries, dining, and Grab rides
    • 10% cash back when you spend RM500 or more per month.
    • 0.2% cash back when you spend below RM500 per month.
  • Earn unlimited 0.2% cash back on all other retail transactions.
  • Pay your bills using the Citibank One Bill facility.
  • Enjoy offers from over 24,000 hotels, boutiques, and other outlets.
  • Enjoy healthcare privileges with the card.
    • 20% off Executive Screening Packages.
    • 15% off walk-in hospital room rates from RM120 and above.
Additional Points Description
How to Use it
  • Use this card for fuel purchases, grocery spends, and dining spends to get cash back.
  • Use your card to carry out retail transactions to earn cash back.
  • The cash back will be automatically credited to your account at the end of each month.
Good About it
  • Enjoy the benefits of Citibank World Privileges with this card.
  • Get a credit limit of up to RM450,000 with the card.
  • The minimum income requirement for this card is RM36,000 p.a.
  • The 0.2% cash back category doesn’t come with a capping.
Keep in Mind
  • You can earn the 10% cash back is only when you spend a minimum of RM500 in a month.
  • 10% cash back on petrol, groceries, dining and Grab rides is capped at RM15 per category per billing month.

Who Should Get it?

  • Those who use their card to buy fuel and groceries.
  • Those who use Grab rides for commuting.

AEON BiG Visa Gold Card

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

5% cashback (only on Sundays)

(On Petrol)

5% cashback at AEON BiG Stores when you use Visa payWave.

5% cashback on the AEON BiG Thank you Member Day.

(On Grocery)

2% cashback on online shopping.

(On Shopping)

None

(On Utility Bills)

2% cashback for overseas transactions.

(On Retail Purchases)

If you shop regularly at AEON BiG stores, this card is for you. AEON BiG Visa Gold Card offers cashback on selected spends and when you shop on selected days at the store. You also get reward points in the form of AEON BiG Member Points which can be converted to cashback.

Key Benefits

  • Earn 5% cashback when you use Visa payWave at any AEON BiG Stores.
  • Earn 5% cashback on the AEON BiG Thank you Member Day (28th day of every month).
  • Earn 5% cashback when you buy fuel every Sunday.
  • Earn 2% cashback when you carry out online and overseas transactions.
  • Get 4 AEON BiG Member Points on the 10th of every month at AEON BiG Stores.
  • Get 2 AEON BiG Member Points at AEON BiG Stores.
  • Get 1 AEON BiG Member Point for every RM2 spent locally and overseas.
  • Convert your AEON BiG Member points into cashback for all purchases made at AEON BiG Stores.
  • Enjoy 3x Plaza Premium Lounge access to international airports in Malaysia.
  • Carry out contactless payments using the Visa payWave feature.
  • Get free travel insurance coverage of RM200,000 when you charge the air tickets to your card.
Additional Points Description
How to Use it
  • Swipe your card when you carry out transactions at any AEON BiG stores as well as for online and overseas transactions to earn cashback.
  • Use your card for local and overseas transactions to earn AEON BiG Member Points
  • Accumulate AEON BiG Member Points and convert the points into cashback for purchases made at any of the AEON BiG Stores in Malaysia.
Good About it
  • Joining fees are waived for the card.
  • Get exclusive dining, shopping, and hotel privileges at participating partners.
  • The annual fee is waived for the first year.
  • Enjoy faster check-outs with the complimentary AEON Touch 'n Go Zing card which comes along with the card.
Keep in Mind
  • The 5% cashback earned at AEON Big Thank You Member Day is capped at RM100 per card every month to a total cashback of RM50,000 per month.
  • The cashback earned at AEON BiG Stores is capped at RM25 per card per month, subject to a total cashback of RM15,000 per month per spend category.
  • The minimum income requirement for this card is RM36,000 p.a.

Who Should Get it?

  • Those who use their card to shop at AEON BiG stores.

Hong Leong WISE Platinum Credit Card

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

10% cashback (based on the chosen category)

(On Petrol)

10% cashback (based on the chosen category)

(On Grocery)

10% cashback (based on the chosen category)

(On Shopping)

10% cashback (based on the chosen category)

(On Utility Bills)

10% cashback (based on the chosen category)

(On Retail Purchases)

When you apply for Hong Leong WISE Platinum Credit Card, you have the option to choose from a range of spend categories and earn 10% cashback on the chosen categories.

Key Benefits

  • Enjoy 10% cashback on the selected categories throughout the year.
  • Choose any two from the following categories – petrol, travel, pharmacies, groceries, departmental stores, dining, bookstores, utilities, and entertainment.
  • The category ‘mobile’ is the default category.
  • Switch to another category as per your lifestyle requirements.
Additional Points Description
How to Use it
  • Swipe your Hong Leong WISE Platinum Credit Card when you carry out transactions on your chosen categories.
  • Spend more than RM2,000 and be eligible to earn 10% cashback.
Good About it
  • You have the option to choose up to 2 categories as per your lifestyle requirements.
  • Even when the supplementary cardholder shops using the supplementary card, the spend amount is considered to calculate cashback.
  • You can switch to another category whenever you want to.
  • Enjoy cashback of up to RM100 in a month.
Keep in Mind
  • In order to be eligible to earn cashback, you are required to spend a minimum of RM2,000.
  • The cashback you earn is capped at RM100 per month.
  • When you switch to another category, you will be charged RM10 per category.
  • The minimum income requirement for this card is RM60,000 p.a.

Who Should Get it?

  • Those who use their card for carrying out retail purchases.
  • Those who want to increase their monthly savings.

How to 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. However, most of them come with a minimum spend requirement.

It is highly recommended that you read all the terms and conditions before choosing a card that suits your lifestyle and budget. 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

Citi Cash Back Credit Card

Each cashback card mentioned above have their own unique features and benefits. Nevertheless, when you compare all the cards offering cash back, the Citi Cash Back Credit Card stands out. You just have to spend a minimum of RM500 to get a cash back of 10% on petrol, groceries, dining, and Grab rides. You also get a cash back of 0.2% on all other retail transactions.

Though the minimum income requirement for this card is RM36,000 per year, you get a credit limit of up to RM450,000 with the card. You also can use this card to enjoy perks and privileges from participating merchant outlets.

Illustration

To understand the working mechanism of the Citi Cash Back Credit Card, let’s consider you have used the card for a monthly spend of RM3,000. This includes RM500 for petrol, RM500 for groceries, RM800 for dining, RM400 for Grab rides, and RM800 for all other retail spends. The following table explains how cash back is calculated.

Type of Transaction Amount Spent Cash back Earned Cashback Calculation Total Cash back Earned
Petrol RM500 10% RM500 x 10% = 50 RM221.6
Groceries RM500 10% RM500 x 10% = 50
Dining RM800 10% RM800 x 10% = 80
Grab Rides RM400 10% RM400 x 10% = 40
Other Retail Transactions RM800 0.2% RM800 x 0.2% = 1.6

With a monthly expenditure of RM3,000, you earn a total cashback of RM221.6. However, you will only get RM61.6 as the cashback for the selected categories (petrol, groceries, dining, and Grab rides) is capped at RM15 per month.

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