{"id":4038,"date":"2015-12-22T06:20:52","date_gmt":"2015-12-22T06:20:52","guid":{"rendered":"http:\/\/www.ap-northeast-1.blog-v1.compareglobal.co.uk\/my\/?p=4038"},"modified":"2026-03-27T10:00:51","modified_gmt":"2026-03-27T02:00:51","slug":"credit-cards-cashback-vs-rewards-2","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/credit-cards-cashback-vs-rewards-2.html","title":{"rendered":"Credit Cards: Cashback vs. Rewards"},"content":{"rendered":"<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What Is A Cashback Credit Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A cashback credit card is a credit card that offers you a rebate called \u2018cashback\u2019 by your issuing bank. Cashback (a.k.a. \u2018cash back\u2019) is an incentive offered by banks for their credit cards in order to get you to spend more using the card. You will be refunded a percentage of the amount that you spend into your credit card\u2019s account.\"}},{\"@type\":\"Question\",\"name\":\"What Should I Look For In A Cashback Credit Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When choosing a cashback credit card, make sure to get one that rewards you most for the most frequent spending category you will be using it for. Some cards like the Hong Leong WISE Platinum let you choose the categories you get to enjoy its 10% cashback on. Others like the Shell-Citi Gold Card reward you for pumping petrol at Shell Stations or give you unlimited 1% cashback for online transactions like the OCBC Titanium MasterCard.\"}},{\"@type\":\"Question\",\"name\":\"What Is A Rewards Credit Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A rewards credit card is a credit card that earns you more rewards points from your issuing bank. Rewards points are another form of incentive offered by banks that are calculated based on the amount of money you spend with your credit cards. By collecting rewards points on all your transactions, you can redeem different types of products, such as electronics, furniture, shopping vouchers and other products or services offered by the bank.\"}},{\"@type\":\"Question\",\"name\":\"What Should I Look For In A Rewards Credit Card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Just like cashback credit cards, there are different tiers for the amount of rewards points that you can earn based on the spending category. So again, you should always choose a rewards credit card that gives you the most value based on your spending habits. And if you\u2019re smart with your spending, you can continuously redeem points to get more value for your ringgit.\"}}]}<\/script><a href=\"https:\/\/i0.wp.com\/10.0.100.55\/blog\/wp-content\/uploads\/2015\/12\/MY_BLOG_Cash-Rewards.jpg?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4044 size-full\" src=\"https:\/\/i0.wp.com\/10.0.100.55\/blog\/wp-content\/uploads\/2015\/12\/MY_BLOG_Cash-Rewards.jpg?resize=640%2C289&#038;ssl=1\" alt=\"Credit Cards: Cashback vs. Rewards\" width=\"640\" height=\"289\" \/><\/a><\/p>\n<p>What makes a credit card more rewarding? Is it getting your money back in the form of cashback or earning rewards points that you can use to redeem cash vouchers and other merchandise? Read on to find out more about how they measure up against each other.<\/p>\n<p><!--more--><\/p>\n<figure id=\"attachment_4041\" aria-describedby=\"caption-attachment-4041\" style=\"width: 730px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2015\/12\/MY_BLOG_Ringgit-1.jpg?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4041\" src=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2015\/12\/MY_BLOG_Ringgit-1.jpg?resize=640%2C289&#038;ssl=1\" alt=\"Credit Cards: Cashback vs. Rewards\" width=\"640\" height=\"289\" \/><\/a><figcaption id=\"caption-attachment-4041\" class=\"wp-caption-text\">Are cashback credit cards really all about the money?<\/figcaption><\/figure>\n<h2><strong>What Is A Cashback Credit Card?<\/strong><\/h2>\n<p>A cashback credit card is a credit card that offers you a rebate called &#8216;cashback&#8217; by your issuing bank. Cashback (a.k.a. \u2018cash back\u2019) is an incentive offered by banks for their credit cards in order to get you to spend more using the card. You will be refunded a percentage of the amount that you spend into your credit card\u2019s account.<\/p>\n<p>For example, the OCBC 365 MasterCard offers 1% cashback for the first RM1,000 every month and 0.5% cashback for subsequent amounts above RM1,000 that you spend with the card.<\/p>\n<p>This means you receive RM10 cashback for the first RM1,000 and 0.5% of whatever you else you spend on with the card. So with that in mind, it\u2019s not wrong to think of a cashback credit card as a permanent discount on everything you spend on.<\/p>\n<h3><strong>What Should I Look For In A Cashback Credit Card?<\/strong><\/h3>\n<p>When <a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/credit-card\/cashback\" target=\"_blank\" rel=\"noopener\">choosing a cashback credit card<\/a>, make sure to get\u00a0one that rewards you most for the most frequent spending category you will be using it for. Some cards like the <a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/credit-card\/hong-leong\">Hong Leong WISE Platinum<\/a> let you choose the categories you get to enjoy its 10% cashback on. Others like the Shell-Citi Gold Card reward you for pumping petrol at Shell Stations or give you unlimited 1% cashback for online transactions like the OCBC Titanium MasterCard.<\/p>\n<p>You can also refer to this list of cashback credit cards that we\u2019ve picked out for you:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"text-align: center;\" width=\"122\"><strong>Category<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"171\"><strong>Cashback (%)<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"144\"><strong>Monthly Cap<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"179\"><strong>Credit Card<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\" width=\"122\"><strong>Retail<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"171\">\u2022 1% for first RM1,000\u2022 0.5% for above RM1,000<\/td>\n<td style=\"text-align: center;\" width=\"144\">Uncapped<\/td>\n<td style=\"text-align: center;\" width=\"179\">OCBC 365 MasterCardMinimum income requirement: RM24,000 per annum<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\" width=\"122\"><strong>Petrol<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"171\">\u2022 8% on Shell fuel with minimum spend of RM2,500<\/td>\n<td width=\"144\">\n<p style=\"text-align: center;\">\u2022 4% rebate (RM300-RM999) Max monthly Shell fuel capped at RM250\u2022 6% rebate (RM1,000-RM2,499) Max monthly Shell fuel capped at RM500<\/p>\n<p style=\"text-align: center;\">\u2022 8% rebate with (&gt;RM2,500) Max monthly Shell fuel capped at RM800<\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"179\">Shell-Citi Gold CardMinimum income requirement: RM24,000 per annum<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\" width=\"122\"><strong>Online<\/strong><\/td>\n<td width=\"171\">\n<p style=\"text-align: center;\">\u2022 1% for all online and overseas spending\u2022 0.1% on all other spending<\/p>\n<p style=\"text-align: center;\">\u2022 Uncapped<\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"144\">Uncapped<\/td>\n<td style=\"text-align: center;\" width=\"179\">OCBC Titanium MasterCardMinimum income requirement: RM24,000 per annum<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\" width=\"122\"><strong>Travel &amp; Entertainment<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"171\">\u2022 10% on chosen category with 10 retail transactions (RM50 min)<\/td>\n<td style=\"text-align: center;\" width=\"144\">Capped at RM100\/month<\/td>\n<td style=\"text-align: center;\" width=\"179\">Hong Leong WISE PlatinumMinimum income requirement: RM60,000 per annum<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>See also<\/strong>: <a href=\"https:\/\/www.comparehero.my\/blog\/compare-cashback-credit-cards\" target=\"_blank\" rel=\"noopener\">How To Compare Cashback Credit Cards<\/a><\/p>\n<h2><strong>What Is A\u00a0Rewards Credit Card?<\/strong><\/h2>\n<p>A rewards credit card is a credit card that earns you more rewards points from your issuing bank. Rewards points are another form of incentive offered by banks that are calculated based on the amount of money you spend with your credit cards. By collecting rewards points on all your transactions, you can redeem different types of products, such as electronics, furniture, shopping vouchers and other products or services offered by the bank.<\/p>\n<h3><strong>What Should I Look For In A Rewards Credit Card?<\/strong><\/h3>\n<p>Just like cashback credit cards, there are different tiers for the amount of rewards points that you can earn based on the spending category. So again, you should always <a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/credit-card\/rewards\" target=\"_blank\" rel=\"noopener\">choose\u00a0a rewards credit card<\/a> that gives you the most value based on your spending habits. And if you\u2019re smart with your spending, you can continuously redeem points to get more value for your ringgit.<\/p>\n<p>Check out these rewards credit cards that we\u2019ve picked out based on the spending categories:<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"113\">\n<p style=\"text-align: center;\"><strong>Category<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"190\"><strong>Rewards<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"141\"><strong>Rewards to Cash Ratio<\/strong><\/td>\n<td width=\"172\">\n<p style=\"text-align: center;\"><strong>Credit Card<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td width=\"113\">\n<p style=\"text-align: center;\"><strong>Retail<\/strong><\/p>\n<\/td>\n<td width=\"190\">\n<p style=\"text-align: center;\">\u2022 20,000 Welcome Citi Rewards Points\u2022 5x Citi Rewards Points all year round for up to five categories (First two categories are free for the first year; each RM15,000 spend per year also entitles you to a free category)<\/p>\n<p style=\"text-align: center;\">\u2022 1x Citi Rewards Points for other spending<\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"141\">Worth RM1.89 for every RM100 spent<\/td>\n<td style=\"text-align: center;\" width=\"172\">Citi Rewards Platinum CardMinimum income requirement: RM36,000 per annum<\/td>\n<\/tr>\n<tr>\n<td width=\"113\">\n<p style=\"text-align: center;\"><strong>Petrol<\/strong><\/p>\n<p>&nbsp;<\/td>\n<td width=\"190\">\n<p style=\"text-align: center;\">\u2022 8x TreatsPoints on weekends\u2022 5x TreatsPoints on weekdays at PETRONAS<\/p>\n<p style=\"text-align: center;\">\u2022 8x TreatsPoints on weekends for groceries<\/p>\n<p style=\"text-align: center;\">\u2022 Enjoy free petrol by redeeming petrol vouchers using TreatsPoints<\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"141\">Worth RM1.74 for every RM100 spent<\/td>\n<td width=\"172\">\n<p style=\"text-align: center;\">Maybank Islamic Petronas Ikhwan Visa Gold Card-iMinimum income requirement: RM30,000 per annum<\/p>\n<p>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"113\">\n<p style=\"text-align: center;\"><strong>Online<\/strong><\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"190\">\u00a0\u2022 5x TreatsPoints for all spending except at government bodies, education institution and insurance providers\u2022 2x TreatsPoints for spending at government bodies, education institution and insurance providers<\/td>\n<td style=\"text-align: center;\" width=\"141\">Worth RM1.09 for every RM100 spent<\/td>\n<td style=\"text-align: center;\" width=\"172\">Maybank 2 Gold CardMinimum income requirement: RM30,000 per annum<\/td>\n<\/tr>\n<tr>\n<td width=\"113\">\n<p style=\"text-align: center;\"><strong>Travel &amp; Entertainment<\/strong><\/p>\n<\/td>\n<td width=\"190\">\n<p style=\"text-align: center;\">\u00a0\u2022 10X Reward Points on overseas hotel room &amp; dining spend\u2022 8X Reward Points at Mid Valley Megamall &amp; The Gardens Mall<\/p>\n<p style=\"text-align: center;\">\u2022 5X Reward Points on airline tickets, room and dining spend at local hotels and all spend at 30+ malls nationwide<\/p>\n<\/td>\n<td style=\"text-align: center;\" width=\"141\">Worth RM3.33 for every RM100 spent (Overseas hotels and dining spend)<\/td>\n<td style=\"text-align: center;\" width=\"172\">HSBC Visa SignatureMinimum income requirement: RM100,000 per annum<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2><strong> So which should I choose?<\/strong><\/h2>\n<p>That depends on the type of spending you intend to use the credit card for and the type of incentive that fits you best! There are also different features that you also need to consider, such as the annual fees, airmiles conversion ratio and interest rates.<\/p>\n<p>In some cases, a cardholder could prefer the <a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/credit-card\/citibank\">Citi-Shell Gold Visa<\/a> because they feel that the monthly income requirements are lower and that it is more convenient to get the cashback directly into their account.\u00a0<span style=\"line-height: 1.6471;\">For those who prefer an Islamic credit card or feel that the monthly cap for amount of Shell fuel eligible for the cashback is too little, they may choose to use the Maybank Petronas Ikhwan Visa Gold Card-i.<\/span><\/p>\n<p>Credit cards can be a very powerful tool to collect cashback or to earn rewards points on your spending. Check out CompareHero.my&#8217;s credit card comparison tool to find yourself the best rewards or cashback credit card today!<\/p>\n<p><a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/credit-card\/cashback\/results\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11950 size-full\" src=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2016\/04\/MY_BLOG_111716_Version01_Cashback-1.jpg?resize=640%2C285&#038;ssl=1\" alt=\"my_blog_111716_version01_cashback-1\" width=\"640\" height=\"285\" \/><\/a><br \/>\n<a href=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/blog\/wp-content\/uploads\/2015\/11\/Julian-Profile-Pic.jpg?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-2918 size-thumbnail\" src=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2015\/11\/Julian-Profile-Pic-150x150.jpg?resize=150%2C150&#038;ssl=1\" alt=\"Julian-Profile Pic\" width=\"150\" height=\"150\" \/><\/a><strong>By Julian M. Edwin<\/strong><\/p>\n<p>Julian is the Content Manager of CompareHero.my. He can usually be found reading up on the latest financial news, life hacks\u00a0or\u00a0money-saving tips.<\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; top: 20px; left: 20px;\">Save<\/span><br \/>\n[tags]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What makes a credit card more rewarding? Is it getting your money back in the form of cashback or earning rewards points that you can use to redeem cash vouchers and other merchandise? Read on to find out more about how they measure up against each other.<\/p>\n","protected":false},"author":268230141,"featured_media":59633,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[433],"tags":[],"class_list":["post-4038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Credit Cards: Cashback vs. Rewards - CompareHero<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparehero.my\/blog\/credit-cards\/credit-cards-cashback-vs-rewards-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Cards: Cashback vs. Rewards - CompareHero\" \/>\n<meta property=\"og:description\" content=\"What makes a credit card more rewarding? 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