{"id":17980,"date":"2023-10-16T03:20:00","date_gmt":"2023-10-15T19:20:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/cashback-credit-card-guide.html"},"modified":"2026-03-27T18:24:21","modified_gmt":"2026-03-27T10:24:21","slug":"cashback-credit-card-guide","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/cashback-credit-card-guide.html","title":{"rendered":"Cashback Credit Card Guide"},"content":{"rendered":"\n

What is a <\/span><\/strong>cashback credit card<\/strong><\/a><\/span>?<\/span><\/strong><\/span><\/h2>\n

A cashback credit card<\/a> is a type of card that rewards you with a percentage of your spending back as cash. The cashback rate can vary depending on the card and the type of purchases you make. some cards may offer a higher cashback rate on groceries or gas, while others may offer a flat cashback rate on all purchases. <\/span>

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How does cashback work?<\/span><\/strong><\/span><\/h2>\n

Each cashback credit card has an accompanying per cent rate (e.g. 5% cashback on groceries). This is the amount you earn back whenever you charge something to your card for a certain spend Take for instance the Standard Chartered Smart Credit Card<\/a>. It offers 6% cashback on selected digital lifestyle spend This means that if you spend RM100 per month on digital lifestyle subscriptions such as Netflix, Spotify and Kindle, you will earn RM6 in cashback.<\/span><\/p>\n

When you use a cashback credit card, you earn cashback on every purchase The cashback is typically credited to your account at the end of your billing cycle. You can then redeem your cashback for a check, bank transfer or even on your credit statement.<\/span>

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What to consider when applying for cashback credit card?<\/span><\/span><\/strong><\/h2>\n

When choosing a cashback credit card, there are a few things you should consider:<\/span><\/p>\n