Best Cashback Credit Cards in Malaysia for 2025
Choosing the right cashback credit card can help you save money on your daily expenses. Here’s a detailed comparison of the best cashback credit cards in Malaysia for 2025, including their cashback rates, eligible spending categories, monthly limits, and official websites.
1. Standard Chartered Simply Cash Credit Card
✅ Cashback Rate: 1% unlimited cashback on all spending
✅ Annual Fee: Lifetime free
✅ Key Benefits:
- Cashback applies to all spending with no category restrictions
- Unlimited cashback, making it ideal for high spenders
✅ Official Website: Standard Chartered Malaysia
2. RHB Shell Visa Credit Card
✅ Cashback Rate: Up to 12% cashback at Shell petrol stations
✅ Annual Fee: Free for the first year, RM200 from the second year (waivable)
✅ Key Benefits:
- Great for frequent drivers – Up to 12% cashback at Shell petrol stations
- Additional cashback on other spending categories
✅ Official Website: RHB Malaysia
3. UOB ONE Card
✅ Cashback Rate: Up to 10% cashback (petrol, groceries, dining, Grab)
✅ Annual Fee: RM128 (waivable)
✅ Key Benefits:
- Ideal for petrol, groceries, dining, and Grab rides
- Spend RM500 per month to enjoy 10% cashback
✅ Official Website: UOB Malaysia
4. HSBC Live+ Credit Card
✅ Cashback Rate: Up to 8% cashback on lifestyle spending
✅ Annual Fee: RM300 (waived for the first year)
✅ Key Benefits:
- Great for entertainment, online shopping, and dining
- Best for those with active lifestyles
✅ Official Website: HSBC Malaysia
5. Maybank Islamic Ikhwan American Express Platinum Card-i
✅ Cashback Rate: Up to 8% cashback (online shopping, Grab, Lazada, Shopee)
✅ Annual Fee: Lifetime free
✅ Key Benefits:
- No annual fee – great for long-term use
- High cashback for online shopping (Grab, Lazada, Shopee)
- Higher cashback during Ramadan & festive seasons
✅ Official Website: Maybank Malaysia
How to Choose the Best Cashback Credit Card?
💡 1. Pick a card that matches your spending habits
- If you drive often, choose RHB Shell Visa or UOB ONE
- If you shop online, go for Maybank Islamic Ikhwan Amex
- If you want unlimited cashback, choose Standard Chartered Simply Cash
💡 2. Check the cashback limits
- Some cards have monthly cashback caps, e.g., UOB ONE’s cap is RM10 per category
💡 3. Consider the annual fee and spending requirements
- Maybank Islamic Ikhwan and Standard Chartered Simply Cash have lifetime free annual fees
- UOB ONE requires a minimum monthly spend of RM500 for maximum cashback
💡 4. Ensure you meet the eligibility criteria
- Minimum income requirement varies for each card, so check before applying
Summary: Which Credit Card is Best for You?
| Credit Card | Main Cashback Categories | Max Cashback | Best For |
|---|---|---|---|
| Standard Chartered Simply Cash | All Spending | 1% (Unlimited) | High Spenders |
| RHB Shell Visa | Shell Petrol | 12% | Drivers |
| UOB ONE | Petrol, Groceries, Dining | 10% (Capped) | Fixed Monthly Spenders |
| HSBC Live+ | Lifestyle & Online Shopping | 8% | Active Spenders |
| Maybank Islamic Ikhwan Amex | Online Shopping | 8% | Frequent Online Shoppers |
These are the best cashback credit cards in Malaysia for 2025. Choose the one that suits your spending habits and start earning more cashback on every purchase! 🚀💰
