Cashback cards, made clearer

Which cashback card fits your spending?

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

Check these before applying

  1. Where you really spend
  2. Minimum spend and cashback cap
  3. Whether you pay the full bill monthly

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

Rewards outside cashback, service tax and the cost of carrying a balance are not included.

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:Paying interest can wipe out the cashback. Check eligibility and current terms with the bank.