Cashback cards, made clearer

Credit Card Cashback Calculator

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

Calculator

Work it out with your numbers

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Indicative annual net value Uses your rate and cap assumptions; it does not represent a card currently offered.

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.

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