Cashback Credit Cards in Malaysia: How They Work and How to Choose (2026)

Cashback credit cards all look similar on the brochure: a big headline rate, a few category icons, and the word "free". What actually decides how much money lands back in your account is the mechanics underneath. There are three levers: the cap that limits how much you can earn each month, the minimum spend that unlocks the rate, and the category rules that decide which transactions count. Once you understand those three, choosing a card is less about chasing the highest advertised number and more about matching a card to the way you already spend.

This guide explains how cashback cards work in Malaysia and how to pick the one that fits your spending. To show the three levers in action, it walks through nine cards available as of April 2026, using each issuing bank's published terms. For every card you will see what the headline rate actually applies to, what conditions you must meet, and what your realistic monthly cashback looks like for normal spending.

Disclosure: money.com.my may earn a referral commission if you apply for a card through links on this site. This does not affect our analysis or card rankings. We assess cards on their published rates and terms. Non-affiliated products are included where they are the right recommendation.

Quick Comparison Table#

"Free" means conditionally waived — typically waived with minimum annual spend or number of transactions. "Free" means no annual fee charged. Rates and conditions are as published by each bank as of April 2026 and are subject to change. Confirm directly with the issuing bank before applying.*

This table lists cards, it does not rank them by "best." A higher headline percentage is not automatically the higher return — several of these rates carry monthly caps, which decide the real payout more than the rate does. Match the "Best for" column to your own spend pattern before treating row order or the headline number as a ranking.

Card-by-Card Breakdown#

1. Maybank 2 Gold — the American Express of the pair#

Headline rate: Up to 5% cashback Annual fee: Free (no annual fee) Minimum income: RM2,500/month (RM30,000/year) Network: you receive both an American Express and a Visa/Mastercard, but the 5% weekend rate sits on the Amex only

Maybank 2 Gold has been one of the most widely held cashback cards in Malaysia for years. The core mechanic is straightforward: you earn a higher cashback rate on weekend spending (Saturday and Sunday transactions) than on weekday spending.

How the cashback works:

• Weekend transactions on eligible categories (dining, grocery, petrol, online) earn up to 5%
• Weekday transactions earn a base rate of approximately 0.2%
• A minimum monthly retail spend (typically RM1,000 to RM1,500) is required to activate the higher tier. Miss the threshold and you earn zero cashback for that month — not a reduced rate, but zero
• Monthly cashback is capped at approximately RM50

Realistic monthly cashback: A cardholder spending RM2,000/month total — with RM800 on weekends across eligible categories — can expect roughly RM35-40 in cashback. Spend RM3,000/month with RM1,200 on weekends and you will likely hit or approach the cap.

Who this suits: People who naturally concentrate grocery runs, dining out, and petrol top-ups on weekends. If your spending is spread evenly across the week, most of your transactions earn only the base rate.

Watch out for: The minimum spend threshold is a cliff, not a slope. Spend RM900 in a month when the threshold is RM1,000 and you earn nothing. Budget accordingly or set a recurring reminder to check your running total mid-month.

2. CIMB Cash Rebate Platinum Credit Card#

Headline rate: Up to 5% cashback Annual fee: Free (no annual fee) Minimum income: RM2,000/month (RM24,000/year) Network: Visa

CIMB's cashback card structures its rewards around spending categories rather than the day of the week. Groceries and petrol are the headline categories — which makes it a practical everyday-spend card for households with predictable monthly outflows in those areas.

How the cashback works:

• Grocery and petrol transactions earn up to 5%
• Other retail spend earns approximately 0.2%
• Minimum monthly spend (typically RM500 to RM1,000) required to activate the higher tier
• Monthly cashback capped at approximately RM30 to RM50

Realistic monthly cashback: A household spending RM600/month on groceries and RM400/month on petrol earns up to RM50 on those categories — likely hitting the cap. General spend outside those categories earns negligibly.

Who this suits: Households with regular supermarket and petrol station spend. The category structure means timing does not matter — your Tuesday grocery shop qualifies the same as a Saturday one. Lower income threshold than Maybank 2 Gold (RM2,000 vs RM2,500/month).

Watch out for: Category definitions are determined by the merchant category code (MCC), not your perception. Buying groceries at a petrol station convenience store may not code as "grocery." Online grocery delivery platforms (e.g., Grab Mart) may code differently from physical supermarkets. Check your statement coding.

3. RHB Cash Back Credit Card#

Headline rate: Up to 10% cashback Annual fee: First year free, then RM70 a year (waived with RM10,000 of card spend a year) Minimum income: RM2,000/month (RM24,000/year) Network: Visa and Mastercard variants available

RHB offers one of the highest headline cashback rates among mainstream Malaysian bank cards. The 10% rate is the draw, but the conditions around it are critical.

How the cashback works:

• Selected categories earn up to 10% cashback — these typically include online transactions, contactless (tap-to-pay), and selected retail categories
• General spend earns approximately 0.2%
• Minimum monthly spend required to activate the elevated rate
• Monthly cap of RM10 per category (petrol, dining, utilities, grocery, and online dining and grocery); other spend at 0.2% is uncapped

RHB also offers a Shariah-compliant variant (RHB Islamic Cash Back Credit Card-i) with the same up to 10% cashback structure and identical RM2,000/month income requirement — the mechanics mirror the conventional card.

Realistic monthly cashback: The rate depends on your total monthly card spend. RHB's tier table pays 1% in its categories at RM1,000–RM1,999.99 a month, 2% at RM2,000–RM2,499.99, and 5% (10% on online dining and grocery) from RM2,500. At RM1,500 a month, all of it in the five categories, the most you earn is 1% × RM1,500 = RM15. However much you spend, the five RM10 caps hold the categories to RM50 a month.

Who this suits: Spenders whose monthly outflow is heavily digital — online shopping, food delivery, ride-hailing, contactless payments at retail. If you still primarily pay with chip-and-pin, the elevated rate covers a smaller share of your spending.

Watch out for: Not every online transaction codes as "online" in the bank's system. Auto-debit subscriptions, government payments, and utility payments may not qualify. The Mastercard variant and Visa variant may have slightly different category inclusions — check RHB's specific terms for each.

4. Standard Chartered Simply Cash Credit Card#

Headline rate: Up to 15% cashback Annual fee: RM250 a year, first year waived Minimum income: RM8,000/month (RM96,000/year) Network: Visa

The highest headline rate in this comparison, but also the highest income requirement. Standard Chartered positions this card at the premium end — for earners above RM96,000/year who want a cashback card without the complexity of a points programme.

How the cashback works:

• Selected categories earn the elevated rate (up to 15%), typically on specific merchant categories that rotate or are fixed by campaign period
• General spend earns a lower base rate
• Minimum monthly spend required to activate
• Monthly cap applies

Realistic monthly cashback: The 15% rate applies to a narrow band of spending, and only in a month with RM2,500 or more of retail spend (below that, 0.5%). Standard Chartered caps petrol at RM20 and grocery plus dining at RM20, so a cardholder spending RM4,000/month total with RM1,000 on qualifying categories earns at most RM40 from them — significantly below what "15% cashback" initially suggests.

Who this suits: Professionals earning above RM8,000/month who want a single-card cashback solution from an international bank. If your spending aligns with StanChart's qualifying categories, the effective return is strong. If it does not, the card is unremarkable.

Watch out for: The RM8,000/month income requirement excludes the majority of Malaysian earners. The 15% headline is aggressive marketing — always check which specific categories qualify and at what cap. Standard Chartered periodically adjusts campaign categories, so what qualifies today may not qualify next quarter.

5. UOB ONE Card#

Headline rate: Up to 10% cashback in four categories (petrol, selected grocers, dining, Grab) Annual fee: RM195 principal on the Platinum card, waived if you spend at least RM20,000 a year (the Classic card, RM120, is no longer open to new applications) Minimum income: RM36,000 a year (RM3,000/month) for the Platinum card

UOB's card page says: "Enjoy up to 10% cashback when you spend on petrol, selected grocers, dining, Grab transactions and more. Just meet a minimum retail spend of RM800 on ONE Classic Card* or RM1,500 on ONE Platinum Card (per statement month)."

How the cashback works:

• In a statement month where you meet the minimum retail spend (RM800 Classic, RM1,500 Platinum), petrol, selected grocers and supermarkets, dining (eateries and fast food) and Grab earn 10%.
• Each of those four categories is capped at RM10 a month on the Classic card and RM15 a month on the Platinum card.
• If you miss the minimum retail spend, those categories earn 0.2%, the same as other retail purchases.

Who this suits: People who reliably reach RM1,500 of monthly retail spend and spend in the four categories. At the caps, the most the four categories can return is RM60 a month on the Platinum card (4 x RM15), so the real value is far below what "10%" suggests.

Watch out for: Missing the monthly minimum drops every category to 0.2%. Check UOB's terms for the eligible merchant list.

6. AmBank Cash Rebate Visa Platinum Card#

Headline rate: Up to 10% cashback Annual fee: Free (no annual fee) Minimum income: RM2,000/month (RM24,000/year) Network: Visa

AmBank's cashback card combines a high headline rate with the lowest income threshold in this comparison (tied with several others at RM2,000/month) and genuinely no annual fee — not conditionally waived, but not charged.

How the cashback works:

• Selected spending categories earn the elevated rate (up to 10%)
• General spend earns a lower base rate
• Minimum monthly spend required
• Monthly cap applies

Realistic monthly cashback: With RM1,500/month in qualifying categories, expect RM30-50 depending on the cap and which categories earn the elevated rate.

Who this suits: Earners at the RM2,000 to RM3,000/month level who want a cashback card with no annual fee and no income barrier. Fresh graduates and early-career professionals who do not yet meet the income thresholds for premium cards (Standard Chartered at RM8,000/month, for example) should look here.

Watch out for: AmBank's branch network and digital experience are less extensive than Maybank or CIMB. If branch access or app quality matters to you, factor that in alongside the card terms.

7. Hong Leong Wise Credit Card#

Headline rate: in dispute — check the bank's page Annual fee: RM98 a year, no annual fee waiver — Hong Leong's terms: "There is no annual fee waiver for WISE Card." Minimum income: RM2,000/month (RM24,000/year) Network: Visa

Hong Leong Wise pays cashback on dining at weekends, restricted to MCC 5811, 5812 and 5814. The bank's own page gives a different rate and monthly cap from the ones in our data, so both are in dispute — check the bank's page. The annual fee is RM98 a year, and Hong Leong's terms say: "There is no annual fee waiver for WISE Card."

How the cashback works:

• Selected categories earn the elevated rate (in dispute — check the bank's page), typically on a curated list that may include specific retail, online, or campaign categories
• General spend earns a lower base rate
• Monthly cap applies
• The RM98 annual fee applies every year; Hong Leong's terms say "There is no annual fee waiver for WISE Card."
• Cashback is capped each month and a minimum spend of RM1,000 a month applies; the weekday dining rate and the dining cap are in dispute — check the bank's page

Realistic monthly cashback: If qualifying categories align well with your spending, the high rate can offset the RM98 fee within a few months. If they do not align, the fee eats into your cashback and a free card is the better choice.

Who this suits: Spenders whose monthly outflow heavily matches Hong Leong's qualifying categories and who earn enough cashback to justify the RM98/year fee. Run the maths: if you earn RM50/month in cashback, the RM98 fee costs you two months of cashback. If you earn RM20/month, the fee takes five months to recover.

Watch out for: The monthly cap, not the fee, may be the real constraint, but the cap is in dispute — check the bank's page before you rely on this card. The fee has no waiver: Hong Leong's terms say "There is no annual fee waiver for WISE Card." (An earlier amendment to this guide wrongly said a first-year waiver is published; see the correction of 17 October 2026.) You must earn at least RM98/year more in cashback from this card than you would from a free alternative to justify it. Also confirm that the headline categories include spend you actually make — the rate is meaningless on categories you never use.

8. Maybank 2 Platinum Cards#

Headline rate: Up to 5% cashback Annual fee: Free (no annual fee) Minimum income: RM5,000/month (RM60,000/year) Network: Visa and Mastercard (you receive both cards)

The Platinum tier of the Maybank 2 series shares the same weekend-weighted cashback mechanic as the Gold card, but with a higher income requirement (RM5,000 vs RM2,500/month) and higher per-transaction limits and monthly caps.

How the cashback works:

• Same weekend structure as Maybank 2 Gold — up to 5% on weekend transactions in eligible categories
• Higher monthly cashback cap than the Gold tier
• Higher minimum monthly spend threshold

Who this suits: Earners above RM5,000/month who already spend significantly on weekends and want the higher cap that the Gold tier does not offer. If you regularly hit the Gold card's RM50 cap, the Platinum tier gives you headroom.

When Gold is better: If your monthly spend is under RM3,000 total and you do not regularly hit the Gold cap, the Platinum tier offers no advantage for the higher income requirement. The Gold card is sufficient and accessible at a lower income threshold.

9. CIMB PETRONAS Visa Platinum-i Credit Card#

Headline rate: Up to 8% cashback Annual fee: Free (no annual fee) Minimum income: RM2,000/month (RM24,000/year) Network: Visa (Shariah-compliant)

A Shariah-compliant co-branded card targeting drivers who refuel at PETRONAS stations. The 8% headline rate specifically rewards PETRONAS spend.

How the cashback works:

• PETRONAS transactions earn the elevated rate (up to 8%)
• Non-PETRONAS spend earns a lower base rate
• Minimum monthly spend required
• Monthly cap applies

Who this suits: Drivers who refuel exclusively or predominantly at PETRONAS and want a Shariah-compliant card. If you spend RM300-500/month on PETRONAS petrol, the elevated rate on that spend is meaningful. If you split petrol spend across Shell, Petronas, and BHPetrol, only the PETRONAS portion earns at the higher rate.

Watch out for: This is a single-brand card. If PETRONAS raises fuel prices or you switch refuelling stations for convenience, the card's advantage narrows. Pair it with a general cashback card (Maybank 2 Gold or CIMB Cash Rebate) for non-petrol spend.

How to Choose: A Decision Framework#

The "best" cashback card does not exist in the abstract. It depends on three variables specific to your financial situation.

Variable 1: Where does your money go?

Map your last three months of spending by category: groceries, petrol, dining, online shopping, bills/utilities, everything else. The category that accounts for the largest share of your credit card spend determines which card structure benefits you most.

• Weekend-heavy spenders (grocery runs, dining, petrol on Saturday/Sunday): Maybank 2 Gold or 2 Platinum
• Grocery and petrol regulars (any day of the week): CIMB Cash Rebate Platinum
• Online and contactless-heavy spenders (Shopee, Grab, food delivery, tap-to-pay): RHB Cash Back
• PETRONAS loyalists (Shariah-compliant): CIMB PETRONAS Platinum-i
• Petrol, grocery, dining and Grab spenders who reach RM1,500 a month: UOB ONE Card (Platinum)

Variable 2: What is your income?

Variable 3: Can you hit the minimum spend threshold every month?

This is the single most overlooked factor. A card with 5% cashback and a RM1,000 minimum spend earns you nothing in months where your total spend is RM800. A card with 3% cashback and a RM500 minimum spend earns consistently if your monthly outflow is RM600-800.

Check your average monthly credit card spend over the past six months. If it is inconsistent, choose the card with the lowest minimum spend threshold that still covers your primary category.

The Two-Card Strategy#

If your monthly spending is high enough, holding two cashback cards — one for your primary category and one for your secondary — lets you collect cashback across both caps.

The risk: holding two cards increases the temptation to overspend. The strategy only works if your total spending does not change — you are routing existing spend through the optimal card, not spending more to earn more.

Before applying for a second card, check your CTOS/CCRIS credit report. Multiple credit applications in a short window can affect your credit score.

Cashback Mechanics: How It Actually Works#

For readers new to cashback cards, here is the monthly cycle:

The Interest Trap: Why This Matters More Than Cashback#

One point that overrides every comparison in this guide: cashback only works if you pay your full statement balance every month.

Malaysian credit cards charge interest of 15% to 18% per annum on revolving balances — the amount you do not pay off each month. A 5% cashback on RM1,000 of groceries earns you RM50. Carrying that RM1,000 as revolving debt for one year costs you RM150 to RM180 in interest. The arithmetic is not remotely close.

If you cannot pay the full balance every month, consistently, a credit card is not a savings tool — it is a borrowing tool, and an expensive one. Consider parking money in a fixed deposit or a high-yield savings account at a digital bank instead.

Bank Negara Malaysia's OPR decisions influence credit card interest rates indirectly. Track movements on our OPR tracker.

Frequently Asked Questions#

How much cashback can I realistically earn per month?

For most cardholders spending RM1,500 to RM3,000/month total, expect RM20 to RM50 in monthly cashback — not the hundreds that headline rates suggest. The cap, base rate, and category restrictions all reduce the effective return. Over a year, that is RM240 to RM600 — real money, but not transformative.

Do cashback credit cards charge annual fees?

Maybank 2 Gold, Maybank 2 Platinum, CIMB Cash Rebate, AmBank Cash Rebate and CIMB PETRONAS Platinum-i charge no annual fee. The rest do, and the amounts are worth knowing before you apply: RHB Cash Back is free in year one then RM70, waived on RM10,000 of annual spend; UOB ONE is RM120 on the Classic and RM195 on the Platinum, waived from 1 January 2026 on RM15,000 and RM20,000 of annual spend respectively; Standard Chartered Simply Cash is RM250 with only the first year waived; Hong Leong Wise is RM98 a year with no annual fee waiver ("There is no annual fee waiver for WISE Card.").

Can I have more than one cashback credit card?

Yes. Many Malaysians hold two or three cards to optimise across categories and caps. Each application will trigger a credit check. Space applications at least three months apart and ensure your CCRIS record is clean before applying.

What is the minimum income to get a cashback card in Malaysia?

The lowest threshold in this comparison is RM2,000/month (RM24,000/year), offered by CIMB, RHB, AmBank, Hong Leong, and CIMB PETRONAS. Maybank 2 Gold requires RM2,500/month. Standard Chartered requires RM8,000/month.

Are Islamic (Shariah-compliant) cashback cards available?

Yes. RHB Islamic Cash Back Credit Card-i (up to 10%, RM2,000/month income) and CIMB PETRONAS Visa Platinum-i (up to 8%, RM2,000/month income) are both Shariah-compliant options with competitive cashback structures.

The Bottom Line#

The best cashback credit card is the one whose reward structure aligns with where your money already goes. A card advertising 15% cashback on categories you never spend in is worth less than a card offering 5% on the category that accounts for half your monthly outflow.

Check three things before applying: (1) the minimum monthly spend threshold — if you cannot hit it reliably, you will earn nothing; (2) the monthly cap — once you hit it, extra spending on that card earns only the base rate; (3) the annual fee, if any — ensure your expected cashback exceeds it.

Apply with a clean credit report — check your CTOS/CCRIS status before you start. Pick the card that matches your primary spending pattern. Use it consistently. Pay the full balance every month without exception.

That is the entire strategy.

Data sourced from RinggitPlus and issuing bank published terms as of 11 April 2026. Rates, caps, minimum spend thresholds, and category definitions change periodically. Always confirm the current terms directly with the issuing bank before applying. money.com.my is not a licensed financial adviser — this guide is informational, not financial advice.

This guide is AI-assisted.

Amendment, 10 September 2026. Card figures across this guide were re-checked against each issuing bank's published terms and several were wrong. The FAQ credited RHB Visa Signature with "5% on dining and online" — that card has no dining category at all; its cashback rates and cap are in dispute with the bank's own page (check it there), and it requires a minimum annual income of RM80,000. The card that does pay on food is RHB's separate Cash Back card, which at its top tier pays 5% on dining and 10% on online dining and grocery, the latter uncapped. Both the FAQ and the comparison table now name the right product. Hong Leong Wise was described throughout as charging a "non-waivable RM98/year fee", which is correct; this amendment wrongly said a first-year waiver is published (see the correction of 17 October 2026 below), and the card's cap and rate are in dispute with the bank's own page — check it there. Standard Chartered Simply Cash and UOB ONE were both shown as "Free* (conditionally waived)" when Standard Chartered charges RM250 with only year one waived and UOB charges RM120 on the Classic and RM195 on the Platinum. Maybank 2 Gold's 5% weekend rate was attributed to the Visa and Mastercard; it is a benefit of the American Express card of the pair. Sources: RHB, Maybank, Hong Leong Bank, Standard Chartered and UOB published card terms, retrieved 10 September 2026.

Correction, 13 September 2026. The 10 September amendment above described RHB Cash Back's online food category as uncapped. It is not. RHB's rate table carries a monthly cap of RM10 on each category, including the 10% online dining and grocery one; the "Unlimited" figure in that table belongs to the adjacent other spend column, which earns 0.2%. We misread one column against the next. The comparison table has been corrected. The 10% rate is real and is the highest published delivery rate among the cards compared here, but it is exhausted at RM100 of orders a month. Source: RHB Cash Back Credit Card product page, cashback and monthly capping table, read from the page itself on 13 September 2026.

Correction, 17 October 2026. The 10 September amendment above said Hong Leong publishes a first-year annual fee waiver for the Hong Leong Wise card, and the comparison table and card section repeated it. That was wrong. Hong Leong's terms say: "There is no annual fee waiver for WISE Card." The annual fee is RM98 a year (A-18 evidence, batch-8). The same pass removed figures that the bank's own page disputes: Hong Leong Wise's weekday dining rate and dining cap, and the RHB Visa Signature's cashback rates and cap. Check those on the bank's page. An FAQ example quoting a Maybank 2 Cards Premier cashback rate was dropped because that card's earn rate is also in dispute.

Amendment, 17 October 2026 (FAQ and RHB cap). The first FAQ said RHB Cash Back pays "10% on online food delivery at its top tier" and 5% on dining, and that UOB One pays "10% on selected categories", with no cap for either. The guide body also disagreed with itself about RHB's cap: the comparison table said "RM10 cap per category" (from the 13 September correction above) while the 10 September amendment said the online rate is uncapped. We tried to settle it from RHB's own Cash Back product page on 17 October 2026 and could not: rhbgroup.com returned a Cloudflare "Attention Required" block (HTTP 403), which we did not bypass. We therefore withdraw both cap statements, the RM10 figure in the table and the "uncapped" claim in the 10 September amendment, until the page can be read; the table now says a monthly cap applies and to check RHB's page, and the "caps as low as RM10" wording was dropped. The FAQ now names the "up to 10%" headlines the body already shows, says they are ceilings, and drops the 5% dining figure. UOB ONE's 10% is now described as the body does, as dependent on pairing the card with a UOB ONE Account, not as a category rate. The FAQ example quoting Maybank 2 Cards Premier was confirmed gone (removed on 17 October 2026 in the earlier correction). Held cards (see the card-data hold list) carry no disputed figure in any FAQ.

Correction and amendment, 17 October 2026 (UOB ONE). The 17 October amendment above described UOB ONE's 10% as dependent on pairing the card with a UOB ONE Account and on salary crediting. That was not supported. We read UOB's own card page on 17 October 2026 (https://www.uob.com.my/personal/cards/credit-cards/uob-one-card.page, sha256 3f5cb40a59fb024996120b0f5a9dc66fbaed06d6458e6466304ed594268a961c), which says: "Enjoy up to 10% cashback when you spend on petrol, selected grocers, dining, Grab transactions and more. Just meet a minimum retail spend of RM800 on ONE Classic Card* or RM1,500 on ONE Platinum Card (per statement month)." Each of the four categories earns 0.2% if the minimum is not met, and is capped at RM10 (Classic) or RM15 (Platinum) per statement month. The page mentions no UOB ONE Account pairing or salary-crediting condition, so the FAQ, the comparison-table row, the UOB ONE section (### 5) and the income-guide list entry now follow the page. The page also gives a RM36,000 per annum minimum income for the Platinum card (RM3,000/month, kept), says "Applications for ONE Classic Card are no longer accepted", and gives annual fees of RM195 (Platinum) waived at RM20,000 annual spend. The "Network: Visa" line is removed because the page does not state the network.

Amendment, 24 October 2026 (RHB Cash Back and Standard Chartered Simply Cash). We read both banks' own card pages on 24 October 2026. RHB Cash Back (rhbgroup.com/personal/cards/credit-cards/rhb-cash-back-credit-card/index.html): the card section's header said the annual fee is "Free* (conditionally waived)" while the comparison table said "Yr 1 free, then RM70"; RHB's page says "First year : No Annual Fees Subsequent years : RM70 per annum. (will be waived subject to minimum RM10,000 spends per year)", so the header now says that. The section said the monthly cap is "typically RM50 to RM100 depending on the tier"; RHB's tier table gives "Monthly Capping (RM) RM10" for each of petrol, dining, utilities, grocery and online dining/grocery, and "Unlimited" for other spend, so the section and the table now say RM10 a category (this restores the RM10 that the 17 October amendment above withdrew while RHB's page was blocked). The "RM40-60" estimate on RM1,500 of spend is replaced by our arithmetic from that tier table (1% at RM1,000–RM1,999.99, so at most RM15). Standard Chartered Simply Cash (sc.com/my/credit-cards/simply-cash/): the section header said "Free* (conditionally waived)" while the table said "RM250, yr 1 waived"; the bank's page says "Principal Card : RM250 (1st year Annual Fee Waiver )", so the header now says that. The "RM50-80" estimate exceeded the bank's caps ("Petrol and grocery plus dining cashback is capped at RM20 each"; 15% needs RM2,500 or more of monthly retail spend), so it now says at most RM40. No other figure was changed. The Maybank 2 Gold and 2 Platinum caps were not re-checked: Maybank's site could not be reached on 24 October 2026.

Amendment, 25 October 2026 (credit applications). The income FAQ said to check eligibility "to avoid hard credit inquiries". We did not find BNM or CTOS using the term "hard inquiry"; BNM lists credit application details among what institutions report to CCRIS (see docs/verification-log/followups-property-credit-oct25/evidence.md). The answer now says that. No figure changed.