RANKINGS — VERIFIED & DATED

Static rankings for search and quick reference. For rankings tuned to your situation, use the savings calculator or the card calculator. Last verified 4 Sept 2026.

■ BEST SAVINGS ACCOUNTS BY MAX RATE

1 RHB Smart Account/-i

CAP RM100,000 (top bonus tier is RM50,000-RM100,000 balance band) · PIDM

6.6% p.a.

2 Privilege$aver (Privilege Savings Account / Super Salary-i)

CAP RM100,000 MAB (bonus cap; RM30,000 for Invest category) · PIDM

6.3% p.a.

3 Wealth $aver-i Account

CAP not disclosed (New to Priority bonus capped at RM5,000,000 IAB) · PIDM

6.28% p.a.

4 TRUE Savers Account

NO CAP · PIDM

6.1% p.a.

5 Maybank2u Savers/-i Account

NO CAP · PIDM

6% p.a.

■ BEST CASHBACK CARDS BY TOP CATEGORY RATE

1 HLB WISE Credit Card

NO FEE · INCOME RM24,000/year (or RM2,000 pledged FD)

15%

2 JustOne Platinum Mastercard

FEE RM250 · INCOME RM36,000/year

15%

3 RHB Cash Back Credit Card

NO FEE · INCOME RM24,000/year

10%

4 UOB ONE Card (Classic / Platinum)

FEE Classic RM120 / Platinum RM195 · INCOME ONE Platinum: RM36,000/year; ONE Classic: not disclosed

10%

5 AmBank Cash Rebate Visa Platinum Card

FEE Free for life · INCOME RM24,000/year

10%

■ BEST MILES CARDS

1 Maybank 2 Cards Premier (Amex + Mastercard)

5x TreatsPoints per RM1 (Amex); 1x TreatsPoints per RM1 (Mastercard); TreatsPoints convertible to AirMiles (5,000 TreatsPoints = 1,000 AirMiles per aggregator; conversion not stated on official page) · EXPIRY TreatsPoints valid 3 years (per Maybank TreatsPoints programme)

5x TreatsPoints per RM1 (Amex); 1x TreatsPoints per RM1 (Mastercard); TreatsPoints convertible to AirMiles (5,000 TreatsPoints = 1,000 AirMiles per aggregator; conversion not stated on official page)

2 CIMB Visa Signature Credit Card

not disclosed (points card; 1x local / 2x overseas bonus points)

3 CIMB Travel Platinum Credit Card

MILES

—

4 RHB World Mastercard Credit Card

MILES

—

5 PB World Mastercard Credit Card

5x Air Miles Points per RM1 overseas; 1x per RM1 local

Rankings are based on published terms at the verification date. Your effective rate depends on your situation — use the calculators for a personal ranking.