With so many cashback credit cards floating around on the market, how do you determine which card gives you the best bang for your buck? Well, we heard your worries. We have taken it onto ourselves to create this list of the top cashback credit cards in Malaysia. With this list of cashback credit cards, you can now spend and shop guilt-free.


Standard Chartered JustOne Platinum Mastercard

Standard Chartered JustOne Platinum Mastercard
Image Credit: www.sc.com/my/

With Standard Chartered JustOne Platinum Mastercard, enjoy up to 15% cashback on Autobill, Online Shopping and Petrol! Since this card uses a tiered system, there no minimum spending required.

You can get cashback whenever you use Standard Chartered JustOne Platinum Mastercard to pay for your purchases! Do take note that the monthly cashback amount is capped at RM85. If you’re a big spender, the Standard Chartered JustOne Platinum Mastercard can be one of the best cashback Credit Cards in Malaysia for you.

Retail Spending Per Month Auto Bill Payments,

Online Purchases & Petrol

Other

Categories

Cashback Cap
Below RM 1,000 0.20% 0.20% RM 12
RM1,000 – RM1,499.99 5% 0.20% RM 12
RM1,500 – RM2,499.99 10% 0.20% RM 28
RM2,500 & above 15% 0.20% RM 85
  • CashBack Rate: Up to 15%
  • Minimum Spend: None
  • Monthly CashBack Cap: RM 85

Read More: 6 Ways to Choose a Credit Card to Maximise Your Petrol Savings

Hong Leong Wise Gold Card

Hong Leong Wise Gold Card
Image Credit: www.hlb.com.my

Hong Leong Wise Gold Card is another strong contender. Offering a cashback rate of 10% and a monthly cap of RM 100, Hong Leong Wise Gold Card is hard to beat. In addition, you are given a choice of which two spending categories you would like to cashback.

You can choose the two categories that suits your spending habits the most. To enjoy the 10% cashback the requirement is a minimum of 10 retails transactions monthly with minimum spend of RM50 per transaction. But, this amount is easily met since the card is tailored to best match your spending habits.

  • CashBack Rate: 10%
  • Minimum Spend: RM 500
  • Monthly CashBack Cap: RM 100

HSBC Amanah MPower Platinum Credit Card-i

HSBC Amanah MPower Platinum Credit Card-i
Image Credit: sp.hsbc.com.my

Here’s another cashback credit card to consider for cashback. The HSBC Amanah MPower Platinum Credit Card-i offers high cashback rates for grocery shopping and petrol. This means whenever you shop at participating stores like Giant, Tesco, Mydin and AEON Big and for petrol, you can enjoy cashback.

The cashback rate is 8% but do take note that cashback is capped at RM 50 per month. Additionally, to qualify for the 8% cashback, you are required to spend at least RM 2,000 per month. However, do not fear, even if you do not meet the RM 2,000 amount, you will still get a cashback rate of 2%. You will also get 0.2% cashback for local retail purchases.

  • CashBack Rate: Up to 8%
  • Minimum Spend: None
  • Monthly CashBack Cap: RM 50

Read More: Maximize Your Uber/Grab/Taxi Earnings With These 6 Petrol Credit Cards

UOB Lady’s Classic Mastercard

UOB Lady’s Classic Mastercard
Image Credit: http://www.uob.com

This one is especially for all the ladies out there! With the UOB Lady’s Classic Mastercard shopping will become guilt-free and even more rewarding!

Offering a 10% cashback rate for all your weekend fashion purchases, shop with abandon knowing that you are being rewarded with every purchase. Do note that there is a minimum spending amount of RM 300 and a monthly cap of RM 30.  

  • CashBack Rate: 10%
  • Minimum Spend: RM 300
  • Monthly CashBack Cap: RM 30

Public Bank Visa Signature Credit Card

Public Bank Visa Signature Credit Card
Image Credit: www.pbebank.com

The Public Bank Visa Signature Credit Card offers 6% cashback rate for groceries, dining, online shopping as well as domestic and overseas transactions.

What this means is that the Public Bank Visa Signature Credit Card offers cashback over a wide range of spending categories. Thus you will be able to enjoy cashback whenever you use this card. However, do note that there is a minimum spending requirement of RM 1,000 and a monthly cap of RM 50.   

  • CashBack Rate: 6%
  • Minimum Spend: RM 1,000
  • Monthly CashBack Cap: RM 50

What is your favourite cashback credit card in Malaysia and how do you use them to get even more savings on your spendings?

If you can’t get enough of getting cashback, you can get cashback on mobile reloads, travel (in and out of Malaysia), and fashion by simply clicking through ShopBack before making your purchases online.

In addition to these deals,  ShopBack will be having our inaugural Shopping festival ShopFest later this year. Happening from 9th September to 3rd January; ShopFest is the go-to event that will help you shop the Smarter Way throughout the 6 major year-end sales.

*Featured Image Credit: frankieleon | Flickr

*Keep a lookout for Expedia promo codes to get discounts for flight and hotel bookings.