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Home›Best Cash Back Credit Card Malaysia 2026
Updated May 2026 · 3 Commissionable Cards Compared

Best Cash Back Credit Card Malaysia 2026

UOB ONE 10% · RHB Shell 12% · Alliance Visa 5% — pick the right card for your lifestyle

Top 3 Cashback Credit Cards — Side-by-Side

All rates verified May 2026 from official bank websites and RinggitPlus.

CardTop CashbackMax/MonthAnnual FeeMin IncomeBest For
UOB ONE Platinum10%RM60RM195*RM3k/moPetrol + Grab + dining
RHB Shell Visa12% (Shell)RM30+RM195**RM2k/moShell regulars
Alliance Visa Signature5% (all)~RM100+RM148RM4k/moDiverse spenders
Maybank Amex Cash Back1.5% (overseas)UnlimitedRM70RM2.5k/moOverseas travel / fresh grads

*UOB ONE: 1st year free, subsequent waived at RM20k annual spend. **RHB Shell: waived with 24 transactions/year.

Which card should you get?

  • I fill up at any petrol station + use Grab + dine out: → UOB ONE Card (10% on all 4, RM60/month max)
  • I fill up exclusively at Shell, spend RM3k+/month: → RHB Shell Visa (12% petrol, RM30 cap)
  • I earn RM4k+/month and spend across all categories: → Alliance Visa Signature (5% on everything)
  • Fresh grad or frequent overseas traveller: → Maybank Amex (lowest bar, 1.5% overseas unlimited)

Apply Now — All 3 Commissionable Cards

Applications via RinggitPlus — same terms as applying directly with the bank.

Editor's Pick

UOB ONE Platinum — Best All-Rounder

💳 UOB Malaysia10% cashback on 4 categories · FREE RM200 TNG credit

FREE RM200 TNG credit + 10% cashback on petrol, dining & Grab

10% cashback on petrol at ALL stations, dining, groceries & Grab in one card. Spend RM1,500+/month to unlock the full rate. Apply via RinggitPlus for FREE RM200 TNG e-wallet credit.

Petrol (any station)10% · cap RM15/month
Dining & food delivery10% · cap RM15/month
Groceries10% · cap RM15/month
Grab (rides, food, mart)10% · cap RM15/month
Max monthly cashbackRM60 (4 × RM15)
  • 🎁FREE RM200 TNG e-wallet credit when you apply via RinggitPlus
  • 📅1-year annual fee waiver (RM195) for new applicants
  • ⛽Petrol works at ALL stations — not locked to one brand
Apply UOB ONE Card — Get FREE RM200 TNG Credit →

Commission via RinggitPlus. Minimum RM1,500 monthly spend required to unlock 10% cashback. Caps apply per category.

Best Petrol Rate

RHB Shell Visa — 12% at Shell

💳 RHB BankUp to 12% petrol cashback · Annual fee waived with 2 swipes/month

Fill up RM300 of Shell petrol — get RM30 back every month

Best petrol card in Malaysia for Shell regulars. Spend RM3,000/month total to unlock 12% Shell cashback + 5% on groceries, e-wallets & utilities.

Monthly spend RM1,000–1,9993% petrol · 1% others
Monthly spend RM2,000–2,9995% petrol · 2% others
Monthly spend RM3,000+12% petrol · 5% others
Shell petrol capRM30/month
Groceries / e-wallet capRM10/month each
  • 💰Annual fee RM195 — waived with just 2 transactions/month (24/year)
  • ⛽Shell nationwide — works at all Shell stations across Malaysia
  • 📱E-wallet top-ups count: TNG, GrabPay, Boost, ShopeePay, Lazada Wallet
Apply RHB Shell Visa — Get 12% Petrol Cashback →

Commission via RinggitPlus. Cashback subject to monthly caps. Annual fee waived with 24 qualifying transactions/year.

No Category Limits

Alliance Visa Signature — 5% on Everything

💳 Alliance BankUp to 5% on all retail · 2x airport rides · First year free

Spend RM2,000/month on anything — earn 5% cashback on every ringgit

The only card that gives 5% cashback on ALL categories — not just petrol or dining. Best for high spenders who want simple, uncapped-category rewards.

Monthly spend RM1–RM1,0001% on all retail
Monthly spend RM1,001–RM2,0003% on all retail
Monthly spend RM2,001–RM3,0005% on all retail
Annual feeRM148 (first year FREE)
2x airport e-hailing ridesRM80 each (RM160/year)
  • 🛍️5% on EVERYTHING — groceries, petrol, dining, online, overseas
  • ✈️2x complimentary airport e-hailing rides worth RM80 each
  • 💳First year annual fee waived — apply with no upfront cost
Apply Alliance Visa Signature — 5% on All Spending →

Commission via RinggitPlus. Minimum monthly income RM4,000 required. Cashback tiers based on monthly statement spend.

💰 ShopBack55M+ shoppers · Real cash, not points

Earn Cashback on Foodpanda, Klook, Lazada & 20,000+ Stores

Sign up free — get RM10 bonus cashback after your first RM25 spend.

StoreYour cashback
KlookUp to 25%
LazadaUp to 18%
Booking.comUp to 10%
FoodpandaUp to 8%
Trip.comUp to 6%
  • 💵Real cash — withdraw to bank account anytime
  • 🍔Order food via Foodpanda, get 8% back every time
  • ✈️Book hotels & activities — Klook up to 25% cashback
Sign Up Free — Get RM10 Bonus Cashback →

*RM10 bonus credited after first RM25 confirmed cashback spend. Cashback rates subject to change.

More Savings & Promotions

UOB ONE Card ReviewRHB Shell Visa ReviewAlliance Visa ReviewMaybank Amex Review
📈 FSMOne — Free RM25Expires 29 May 2026

RM670/Month for 30 Years = RM1M — At 0% Sales Charge

Plus RM25 free and 50% OFF fees for 30 days when you sign up with code 4G4TEP.

Monthly DCA → RM1M at 8% p.a.

Monthly10 yrs20 yrs30 yrs
RM300/moRM55kRM177kRM449k
RM500/moRM91kRM297kRM749k
RM670/moRM122kRM397kRM1.0M
  • ✅900+ unit trust funds including ASNB
  • 🌍Invest in Bursa, US (NYSE/NASDAQ) & HK stocks
  • 🔐SC regulated — iFAST Malaysia
Sign Up Free — Get RM25 & 50% OFF Fees →

Use code 4G4TEP · Min. RM100 deposit · Offer expires 29 May 2026 · T&Cs apply

Frequently Asked Questions

What is the best cash back credit card in Malaysia 2026?
The best cashback card depends on your spending: (1) UOB ONE Card — best all-rounder: 10% cashback on petrol, dining, groceries & Grab (up to RM60/month), min income RM3,000/month. (2) RHB Shell Visa — best for Shell petrol loyalists: 12% cashback at Shell (RM30 cap), min income RM2,000/month. (3) Alliance Visa Signature — best for diverse spenders: 5% on ALL retail at RM2,000–3,000/month, min income RM4,000/month.
Which cashback credit card gives the most cashback per month in Malaysia?
UOB ONE Platinum Card gives the highest achievable monthly cashback at RM60/month (4 categories × RM15 cap each) — equivalent to RM720/year. RHB Shell Visa maxes at RM30+/month on petrol alone. Alliance Visa Signature can exceed RM100/month if you consistently spend RM2,000–3,000 across all categories.
Which Malaysian cashback card has the lowest income requirement?
RHB Shell Visa Credit Card has the lowest minimum income at RM24,000/year (RM2,000/month). UOB ONE Card requires RM36,000/year (RM3,000/month). Alliance Bank Visa Signature requires RM48,000/year (RM4,000/month). Maybank Amex Cash Back Gold requires RM2,500/month but gives lower cashback rates (1–1.5%).
Can I apply for multiple cashback credit cards at once?
Yes, you can hold multiple credit cards. A popular combination: UOB ONE Card (for petrol/dining/Grab) + Alliance Visa Signature (for all other spending). This dual-card setup can maximise cashback across all spending categories. However, total credit facility across all cards is subject to Bank Negara's credit limit rules based on your income.
Are these cashback credit cards available via RinggitPlus?
Yes. All three commissionable cards (UOB ONE, RHB Shell Visa, Alliance Visa Signature) are available to apply through RinggitPlus, a licensed financial comparison platform in Malaysia. Applying via comparison platforms does not affect your approval chances or terms — you get the same rates as applying directly with the bank.
How long does credit card approval take in Malaysia?
Credit card approval in Malaysia typically takes 5–14 working days for online applications. Some banks offer instant approval for eligible applicants via their apps. You'll need to prepare: MyKad (front & back), latest 3 months payslip or EPF statement, and latest bank statement. Self-employed applicants need business registration documents.