Best Cashback Credit Cards in Malaysia

Cashback credit cards convert money you spend into rebates. If you have a big credit card bill every month look for uncapped cashback promotions, or look for special deals on the items you buy regularly.

Need help choosing?
Credit card imageCredit card name and benefitsInterest RateBalance TransferCashbackAnnual FeeApply Online
HSBC Amanah MPower Platinum Credit Card-i credit card

Enjoy extra savings and up to 8% cashback on your petrol and groceries with HSBC Amanah's latest cash rebate programme.

Get a Car Dashcam Now- Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New HSBC Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM500 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
8%
Annual Fee
Free *
Read more Apply now
Public Bank Quantum MasterCard credit card

Have no annual fees for life and get more spending benefits out of your credit card such as 5% cashback, 0% EPP and VIP Points!

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
Standard Chartered JustOne Platinum MasterCard credit card

Shop online, swipe on petrol and setup auto-billing to enjoy great rebates up to 15% each month with the cashback card that's designed for the savvy user.

Get a Google Home Mini Now!

Get 2 Free Return Domestic Flight Tickets with Your New Standard Chartered Card!

Get a RM300 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
15%
Annual Fee
Free *
Read more Apply now
Maybank 2 Platinum Cards credit card

5x TreatsPoints and 5% cashback anywhere you go with Maybank 2 Cards on all your retail shopping, dining and petrol. What's more, no annual fees for life.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
Hong Leong Wise Gold credit card

Enjoy 10% cashback from Hong Leong Wise, the only credit card that rewards you with 10% cash back all day, every day, even overseas.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
10%
Annual Fee
RM250.00
Read more Apply now
Citi Cash Back Platinum credit card

Spend and save with Citi Cash Back Platinum credit card and earn up to 10% cashback on petrol, groceries, dining and even Grab rides!

Get a Xiaomi Mi Box S!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM400 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
5.32% p.a.
Cashback
10%
Annual Fee
Free *
Read more Apply now
CIMB Cash Rebate Platinum MasterCard credit card

Splurge online or spend on your daily needs and get rewarded with up to 5% cash rebates on cinema, groceries, petrol, mobile and utilities. Dining over the weekend get you 12% cashback!

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
12%
Annual Fee
Free
Read more Apply now
Alliance Bank You:nique - Great Rebates credit card

Get cashback as high as 3% on the things you spend the most money on with your uniquely personalised Alliance Bank You:nique credit card.

Get 2x Barry Smith 20" Luggage Bag!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get 2 Free Return Domestic Flight Tickets with Your New Alliance Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
3%Unlimited
Annual Fee
Free *
Read more Apply now
Maybank 2 Gold Cards credit card

Apply for Maybank 2 Cards and pay no annual fees for your American Express and MasterCard or Visa. Extra rewards with AMEX including 5x TreatsPoints on all retail and 5% cashback on weekend spends!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
UOB One Visa Platinum credit card

Enjoy daily rebates: up to 8% cashback for all everyday spending with ONE Platinum card. Save more with SMART$ Rebate of up to 10%.

Get a Complimentary Xiaomi 70mai Dash Camera!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
8%Unlimited
Annual Fee
RM168.00
Read more Apply now
Public Bank Visa Signature credit card

Enjoy significant perks: 6% cash rebate, 1 VIP Point, free 2x airport lounge access, free travel insurance and annual fee waiver with every swipe of Visa Signature.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
6%
Annual Fee
Free *
Read more Apply now
Maybank Visa Signature credit card

A card that pays for your lifestyle with up to 5x TreatsPoints for grab and 5% cashback on petrol and groceries spends. Enjoy VIP treatment with VISA speed pass and 24-hour concierge service.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free *
Read more Apply now
OCBC World MasterCard credit card

All the world's a stage with OCBC. Travel in style with instant access to KLIA Plaza Premium Lounge, free travel insurance, and 24/7 concierge!

Interest Rate
15% p.a.
Balance Transfer
2% p.a.
Cashback
1.2%Unlimited
Annual Fee
Free *
Read more Apply now
Alliance Bank Visa Infinite Business Credit Card credit card

Enjoy better cash flow and 56 days interest-free on purchases to make your business run. Your choice of cashback or reward points for the money spent.

Interest Rate
15% p.a.
Balance Transfer
no
Cashback
1.5%
Annual Fee
Free *
Read more Apply now
Shell-Citi Gold Credit Card credit card

New enhanced Shell-Citi Gold Credit Card - combine all your spending to earn cash rebates of up to 8% on petrol at any Shell station nationwide.

Get a Xiaomi Mi Box S!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM400 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
5.32% p.a.
Cashback
8%
Annual Fee
Free *
Read more Apply now
OCBC 365 MasterCard credit card

No-one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fee for the three years.

Interest Rate
15% p.a.
Balance Transfer
2% p.a.
Cashback
1%Unlimited
Annual Fee
Free *
Read more Apply now
Citi Cash Back Visa credit card

Get attractive cashback of up to 10% on all your spending from petrol to groceries, grab rides, dining and many more with Citi Cash Back Credit Card.

Get a Xiaomi Mi Box S!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM400 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
5.32% p.a.
Cashback
10%
Annual Fee
Free *
Read more Apply now
Public Bank Petron Visa Gold credit card

A dedicated petrol cashback credit card for Petron patrons. Earn up to 5% Cash MegaBonus on fuel and non-fuel purchases at Petron Service Station nationwide.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
UOB Lady's Solitaire MasterCard credit card

Asia's premier credit card for the Lady that demands more, and offers exclusive and premium shopping deals all over the world!

Get a Complimentary Xiaomi 70mai Dash Camera!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
10%
Annual Fee
RM300.00
Read more Apply now
Hong Leong Wise Platinum credit card

Hong Leong Wise Card is the only credit card that rewards you with 10% cash back all day, every day.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
10%
Annual Fee
RM300.00
Read more Apply now
Public Bank AIA Visa Gold credit card

A gold cashback credit card gives 2% cash rebate on AIA Insurance Premium payments, 0.1% Cash MegaBonus and a free pass when you open a current account.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
2%Unlimited
Annual Fee
Free
Read more Apply now
Maybank Islamic MasterCard Ikhwan Platinum Card-i credit card

A money saving credit card with 5% cashback, Treatpoint gift redemption, and no annual fee for life. Get free Touch 'n Go Zing card!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
Citi Business Platinum Card credit card

A unique card that balances your business and lifestyle needs, both locally or abroad. Whenever and wherever you spend, you earn cash back.

Get a Xiaomi Mi Box S!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Get a RM400 Tesco Voucher - Only at RinggitPlus!

Get 24 MBO Movie Tickets!

Get 4 GSC Movie Tickets and Win 10,000 BPoints!

Interest Rate
15% p.a.
Balance Transfer
5.32% p.a.
Cashback
1.2%Unlimited
Annual Fee
Free *
Read more Apply now
RHB Visa Signature credit card

A free-for-life travel and cashback credit card for mass affluent that gives free travel insurance, golf privileges and complimentary airport lounge access.

Get a Giordano 20” Hard Case Luggage Bag- Only At RinggitPlus!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
4% p.a.
Cashback
6%Unlimited
Annual Fee
Free
Read more Apply now
CIMB Petronas Platinum MasterCard credit card

Be a Smarter Driver - Get petrol cash rebates for all transactions made at PETRONAS nationwide and grab exciting discounts and offers on auto-related products and services.

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
7%
Annual Fee
Free
Read more Apply now
UOB YOLO Visa credit card

Take chances in life with UOB YOLO Visa. Get 8% cashback when you spend on online and dining, apart from exclusive deals and discounts all year long.

Get a Complimentary Xiaomi 70mai Dash Camera!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
8%
Annual Fee
Free *
Read more Apply now
Public Bank Visa Platinum credit card

Giving you 0.2% Cash MegaBonus on retail spending, annual fee waiver, free travel insurance and contactless payment at the checkout - a truly platinum lifestyle.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.2%Unlimited
Annual Fee
Free *
Read more Apply now
Public Bank Gold MasterCard credit card

Packed with amazing perks: unlimited 0.1% Cash MegaBonus, annual fee waiver, flexible credit card instalment plans, and exclusive deals and discounts.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.1%Unlimited
Annual Fee
Free *
Read more Apply now
Hong Leong Essential credit card

Specially designed to give you greater financial freedom and flexibility - 1% unlimited cashback all the time. Less plastic, more power!

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
1%Unlimited
Annual Fee
Free *
Read more Apply now
The Store Pacific Hong Leong Gold MasterCard credit card

Enjoy up to 6% cashback when you spend at The Store and Pacific and 0.5% cashback on all other retail transactions.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
6%Unlimited
Annual Fee
Free *
Read more Apply now
RHB Platinum Business Visa credit card

If your world is business and your business is around the world, the RHB Platinum Business Visa credit card is definitely for you.

Interest Rate
15% p.a.
Balance Transfer
no
Cashback
1%Unlimited
Annual Fee
Free
Read more Apply now
RHB Platinum Business MasterCard credit card

If your world is business and your business is around the world, the RHB Platinum Business MasterCard credit card is definitely for you.

Interest Rate
15% p.a.
Balance Transfer
no
Cashback
1%Unlimited
Annual Fee
Free
Read more Apply now
Public Bank Quantum Visa credit card

A Free-for-Life card promises 5% cashback and up to 2 VIP Points when you swipe it at your favorite restaurant, cafe or clothing brands anywhere.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
5%
Annual Fee
Free
Read more Apply now
Public Bank Visa Infinite credit card

No annual fee for life premium credit card offering unlimited Cash MegaBonus and Air Miles with every spending, free travel insurance and 3x airport lounge access.

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
2%
Annual Fee
Free
Read more Apply now
HSBC Amanah Premier World MasterCard-i credit card

The preferred card for global travellers offers exclusive rewards and privileges with cash back on all your overseas spending, plus takaful coverage.

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
1%Unlimited
Annual Fee
Free
Read more Apply now
Public Bank Gold Visa credit card

Love shopping? Earn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into an interest-free flexi payment plan

Complimentary RM200 AirAsia Voucher- Only at RinggitPlus!

Get Free 2 Return Domestic Flight Tickets with Your New Public Bank Card!

Get RM200 ShopBack Cashback - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.1%Unlimited
Annual Fee
Free *
Read more Apply now
Mutual Gold Public Bank Visa Platinum credit card

Exclusively for Mutual Gold and Mutual Gold Elite Members of Public Mutual - earn unlimited Cash Rebate and Cash Bonus on birthday month!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
0.3%Unlimited
Annual Fee
Free
Read more
UOB One Visa Classic credit card

Put money back into your pocket with the UOB ONE Visa Classic, a credit card that earns you up to 8% cashback for all of your everyday purchases.

Get a Complimentary Xiaomi 70mai Dash Camera!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Get a Xiaomi Voice CommandDash Camera - Only at RinggitPlus!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
8%
Annual Fee
RM68.00
Read more Apply now
Citi Travel Account credit card

Streamline your business travel expenses with Citi Travel Account and get 0.5% cashback on hotel booking, air tickets and car rental.

Interest Rate
n/a
Balance Transfer
no
Cashback
0.5%Unlimited
Annual Fee
RM600.00
Read more Apply now
The Store Pacific Hong Leong Platinum MasterCard credit card

Enjoy up to 6% cashback when you spend at The Store and Pacific and 0.5% cash back on all other retail transactions.

Interest Rate
15% p.a.
Balance Transfer
6.99% p.a.
Cashback
6%Unlimited
Annual Fee
Free *
Read more Apply now
AmBank Islamic Platinum MasterCard CARz Card-i credit card

Cash rebate on all petrol brands, CARz Points on retail spending, discounts on auto-related transactions and RM1 million travel Takaful protection

Profit Rate
islamic
Balance Transfer
no
Cashback
5%
Annual Fee
Free
Read more Apply now
CIMB Platinum BusinessCard credit card

The CIMB Platinum Business credit card with attractive cash back and insurance protection - get it in any colour you like, as long as it's black.

Interest Rate
15% p.a.
Balance Transfer
5.99% p.a.
Cashback
0.5%
Annual Fee
Free
Read more Apply now
OCBC MasterCard Pink credit card

Explore the sweeter side of life with OCBC MasterCard Pink. No annual fee ever and up to 1% unlimited cashback on your retail spending, anytime, anywhere.

Interest Rate
15% p.a.
Balance Transfer
2% p.a.
Cashback
1%Unlimited
Annual Fee
Free
Read more Apply now
Maybank FC Barcelona Visa Signature credit card

Big fan of Spanish la liga? Unleash your spirit with a Visa Signature credit card that rewards up to 10% cashback on all purchases and 10% discounts on all FC Barcelona merchandises

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
10%
Annual Fee
Free
Read more Apply now
Maybank American Express Cash Back Gold credit card

Grocery shopping and retail therapy will never be dull again with Amex. Enjoy an unlimited cashback on local and overseas spending, and save up to 50% on exclusive dining

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
1.5%Unlimited
Annual Fee
Free *
Read more Apply now
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i credit card

Get Free Petrol with this Shariah based card that earns you Extra TreatsPoints when you spend at Petronas Service Stations.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
8%
Annual Fee
Free
Read more Apply now
Maybank Islamic Petronas Ikhwan Visa Gold Card-i credit card

Fill up your tank! Shariah compliant credit card that earns up to 8x TreatPoints when you spend at any petrol service stations nationwide.

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
8%Unlimited
Annual Fee
Free
Read more Apply now
Public Bank MasterCard Standard credit card

Public Bank MasterCard Standard is a card that everyone new to credit cards will need. No frills, no stress and easily maintained.

Interest Rate
15% p.a.
Balance Transfer
0% p.a.
Cashback
no
Annual Fee
Free *
Read more Apply now
Maybank Islamic MasterCard Ikhwan Gold Card-i credit card

Put money back into your pocket. Get high 5% cashback every Friday and Saturday, and Maybank Treatpoints everytime you swipe your credit card!

Get Rewarded with your Newly Approved Maybank Principal Credit Card!

Profit Rate
islamic
Balance Transfer
0% p.a.
Cashback
5%Unlimited
Annual Fee
Free
Read more Apply now

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Best Cashback Credit Cards in Malaysia 2019

What is a cashback credit card?

Also known as a cash rebate credit card, cash back credit cards are credit cards that give you a certain percentage of your expenditure back. Usually, credit cards with cashback have set cash back percentages and a cap on the maximum amount of cash back you can earn each month. Given that credit card cash back can save you up to hundreds each year, it’s no wonder many people are on the hunt for a good cash back credit card in Malaysia.

What is the best cashback credit card in Malaysia in 2019?

The best cashback credit cards are those that offer a high percentage of cashback with a high cashback cap with little to no requirements to qualify for that cashback. It also depends on what areas of expenditure are eligible for cashback for a certain card.

Some cards, like the AmericanExpress card of the Maybank 2 Gold, offer weekend cashback on all spending. But some top cash back credit cards differ depending on whether they offer cash back for groceries, petrol, online, dining, or utilities. 

As everyone has different spending patterns, it’s difficult to say which is the best cashback credit card. Instead, here are some ways you can determine the best cash rebate card for yourself.

Which is the best cashback card for me?

To find out which credit card is best for you, consider the following factors:

Cashback rate.

Of course, it’s a good idea to aim for a high cashback credit card, but bear in mind that it’s not the only thing you should be looking for.

Weekday cashback or weekend cashback.

Some cashback credit cards restrict their cash rebates to certain days of the week. For example, if you don’t tend to use your cashback card on weekdays, don’t get one that only offers cashback on Monday to Friday.

Cashback cap.

A credit card with a high cashback cap can offer more potential cashback compared to one with a lower cashback cap.

Cashback categories.

If you’re the breadwinner in the family, get a cashback credit card for groceries and utilities. If you drive a car, make sure you have a petrol credit card in your wallet.

Minimum monthly spend for cashback.

Some cashback credit cards are tiered, which means that they have different cashback rates depending on how much you spend on the card each month. Make sure you pick a cashback card that suits your average monthly expenditure.

Best Cash Back Credit Cards Malaysia 2019

  1. HSBC Amanah MPower Platinum Credit Card-I

  2. Public Bank Quantum MasterCard

  3. Standard Chartered JustOne Platinum MasterCard

  4. Maybank 2 Platinum Cards

  5. Hong Leong Wise Gold Credit Card

  6. Citi Cash Back Platinum Credit Card