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Most cashback cards give rebates on specific spend types, such as petrol, dining, or groceries. If a significant portion of your budget goes to a particular spend type, you save a lot of money when you use a cashback credit card to pay for these purchases. Instead of paying for these in cash, use your cashback credit card instead and get a portion of your money back.
However, in order to save money you will need to ensure that you pay off the oustanding amount on your credit card. This is because, the rate at which you earn the cashback will usually be lower than the interest rate charged on your outstanding amount.
Cashback credit cards return a percentage of the money you spend back to you.
A cash rebate however, is a form of a discount on a particular product and is most commonly found in big ticket items. For example, if you wanted to buy a RM40,000 car that offered a cash rebate of RM5,000 you are essentially only paying RM35,000 for the car.
Rewards is usually an incentive program that allows you to earn reward points whenever you use your credit card. These points can then be redeemed for a product from the rewards programme catalogue.
However, these terms may differ from bank to bank, so it is best to always read the terms and conditions and contact your bank for further clarification.