Cashback, without the bait

Which offer gives you real cashback?

Short answer:CIMB Cash Rebate Platinum Credit Card and Maybank Islamic Ikhwan Mastercard Gold Card-i tie for the stated grocery-spend example. Your real winner depends on whether you hit the minimum spend and cap—and whether you pay the bill in full.

● Checked 15 Jul 2026

Choose in 3 steps

Ignore the headline until you check

  1. Minimum monthly spend
  2. Cashback cap
  3. Eligible shops and payment days

Your starting shortlist

3 cards for the stated grocery scenario

Top for this example

CIMB Cash Rebate Platinum Credit Card

  • 5% listed cashback; a cashback cap applies
  • A minimum monthly spend applies to the listed tier
  • No annual fee listed

Joint top

Maybank Islamic Ikhwan Mastercard Gold Card-i

  • 5% listed cashback; a cashback cap applies
  • No minimum monthly spend listed for the cashback tier
  • No annual fee listed

Option 3

RHB Cash Back Credit Card-i

  • 5% listed cashback; a cashback cap applies
  • A minimum monthly spend applies to the listed tier
  • An annual fee is listed

What this answer does not do

Wallet promos are excluded because merchant, expiry and redemption rules make them unlike-for-like.

Want to check our work?

We use only current official records. The comparison applies to the stated example or shortlist; it is not a promise that the first option fits everyone.

How comparisons workHow data is checked

Before you decide:Check current terms before spending just to unlock a reward.