CREDIT CARDS — 34 VERIFIED
Cashback or miles? Single card or combo? Use the calculator to rank cards by net annual rewards. Last verified 4 Sept 2026.
■ CARD CALCULATOR — NET ANNUAL REWARDS
MONTHLY SPEND BY CATEGORY (RM)
RANKED BY NET ANNUAL REWARDS
Set your spend on the left and press RANK CARDS. The engine applies
each card's category rates and caps, adds a 0.3% baseline on uncategorized spend, and nets the annual fee.
Rewards are estimates based on published terms. Always verify with the bank before applying.
1 Maybank FC Barcelona Visa Signature Maybank
CASHBACK · FEE Free for life
1%
TOP CATEGORY
2 Maybank 2 Cards Premier (Amex + Mastercard) Maybank
MILES · NO FEE · INCOME RM100,000/year
—
TOP CATEGORY
3 Maybank 2 Platinum Cards (Amex + Mastercard) Maybank
CASHBACK · FEE Lifetime fee waiver · INCOME RM60,000/year
5%
TOP CATEGORY
4 CIMB Cash Rebate Platinum Credit Card CIMB Bank
CASHBACK · FEE Waived · INCOME RM24,000/year
5%
TOP CATEGORY
5 CIMB Visa Signature Credit Card CIMB Bank
MILES · FEE Waived · INCOME RM36,000/year
—
TOP CATEGORY
6 CIMB Travel Platinum Credit Card CIMB Bank
TRAVEL · FEE Waived · INCOME RM36,000/year
—
TOP CATEGORY
7 RHB Cash Back Credit Card RHB Bank
CASHBACK · NO FEE · INCOME RM24,000/year
10%
TOP CATEGORY
8 RHB Visa Signature Credit Card RHB Bank
CASHBACK · NO FEE · INCOME RM80,000/year
6%
TOP CATEGORY
9 RHB World Mastercard Credit Card RHB Bank
TRAVEL · NO FEE · INCOME RM80,000/year
6%
TOP CATEGORY
10 HLB WISE Credit Card Hong Leong Bank
CASHBACK · NO FEE · INCOME RM24,000/year (or RM2,000 pledged FD)
15%
TOP CATEGORY
11 HLB Essential Credit Card Hong Leong Bank
CASHBACK · NO FEE · INCOME RM24,000/year (or RM2,000 pledged FD)
1%
TOP CATEGORY
12 PB Visa Signature Credit Card Public Bank
CASHBACK · NO FEE · INCOME RM80,000/year
2%
TOP CATEGORY
13 PB Quantum Credit Cards (Visa / Mastercard) Public Bank
CASHBACK · FEE Free for life · INCOME RM36,000/year
2%
TOP CATEGORY
14 PB World Mastercard Credit Card Public Bank
MILES · FEE Free for life · INCOME RM100,000/year
—
TOP CATEGORY
15 JustOne Platinum Mastercard Standard Chartered
CASHBACK · FEE RM250 · INCOME RM36,000/year
15%
TOP CATEGORY
16 WorldMiles World Mastercard Standard Chartered
MILES · FEE RM600 · INCOME RM90,000/year
—
TOP CATEGORY
17 Journey Credit Card Standard Chartered
MILES · FEE RM600
—
TOP CATEGORY
18 HSBC Live+ Credit Card HSBC
CASHBACK · NO FEE · INCOME RM102,000/year
5%
TOP CATEGORY
19 HSBC Platinum Credit Card HSBC
CASHBACK · FEE RM240 · INCOME RM102,000/year
—
TOP CATEGORY
20 HSBC Amanah MPower Platinum Credit Card-i HSBC
CASHBACK · NO FEE · INCOME RM102,000/year
8%
TOP CATEGORY
21 HSBC TravelOne Credit Card HSBC
TRAVEL · NO FEE · INCOME RM102,000/year
—
TOP CATEGORY
22 UOB ONE Card (Classic / Platinum) UOB
CASHBACK · FEE Classic RM120 / Platinum RM195 · INCOME ONE Platinum: RM36,000/year; ONE Classic: not disclosed
10%
TOP CATEGORY
23 UOB PRVI Miles Card UOB
MILES · FEE RM198 (principal), RM30 (supplementary)
—
TOP CATEGORY
24 OCBC 365 Mastercard OCBC
CASHBACK · FEE RM100 (principal), RM50 (supplementary) · INCOME RM48,000/year
—
TOP CATEGORY
25 OCBC Titanium Mastercard OCBC
CASHBACK · FEE RM75 (principal) · INCOME RM48,000/year
—
TOP CATEGORY
26 AmBank Cash Rebate Visa Platinum Card AmBank
CASHBACK · FEE Free for life · INCOME RM24,000/year
10%
TOP CATEGORY
27 AmBank Enrich Visa Platinum Credit Card AmBank
MILES · FEE Free for life
—
TOP CATEGORY
28 AmBank Enrich Visa Infinite Credit Card AmBank
MILES · NO FEE
—
TOP CATEGORY
29 AFFIN DUO (Visa Cash Back + Mastercard Rewards) Affin Bank
CASHBACK · NO FEE
3%
TOP CATEGORY
30 Alliance Bank Visa Signature Credit Card Alliance Bank
CASHBACK · FEE RM148 · INCOME RM48,000/year
5%
TOP CATEGORY
31 Alliance Bank Visa Signature Credit Card for Alliance Privilege Alliance Bank
CASHBACK · FEE RM148 · INCOME RM48,000/year (Alliance Privilege/Personal customers with AUM of RM300,000+)
5%
TOP CATEGORY
32 AEON Member Plus (AMP) Visa Platinum Credit Card AEON Bank
CASHBACK · NO FEE · INCOME RM60,000/year (Malaysians); RM48,000 (Japanese, Malaysian PR, MM2H)
10%
TOP CATEGORY
33 Bank Islam Visa Platinum Credit Card-i Bank Islam
CASHBACK · FEE RM388 per card · INCOME RM36,000/year
5%
TOP CATEGORY
34 Bank Islam Visa Infinite Credit Card-i Bank Islam
CASHBACK · FEE RM777 per card · INCOME RM100,000/year
8%
TOP CATEGORY
Rewards are estimates based on published terms. Always verify with the bank before applying.