The following cash back credit cards are mentioned for you to determine yourself which is/are the best credit card(s) that suits your needs.

Maybank Islamic Ikhwan American Express Platinum Card-i

Previously I awarded the Maybank Islamic Ikhwan American Express Platinum Card-i the best online cash back credit card in Malaysia 2024. Well I guess it will still remain as the best online credit card for 2025.

Now read carefully, I mentioned ONLINE above. Yes, Maybank Islamic Ikhwan American Express Platinum Card-i is excellent for Online Transactions including selecting it as Payment Method for Grab Rides, Grab Good, Lazada and Shopee.

So if you need a card for Online Transactions then the Maybank Islamic Ikhwan American Express Platinum Card-i is excellent and you can use the Maybank 2 Gold/Platinum Cards for over the counter transactions (e.g. petrol, movies, departmental stores, restaurant and etc).

By you spending RM625 Online with the Platinum AMEX Card-i, you can earn RM50! And in the months of Ramadan and Syawal you can earn RM100 per month!

As far as I am concerned, the Platinum AMEX Card-i is only good for Online and the other so called card features such as 2X TP or 3X TP are useless BUT it is stated that we can earn 1X TP for GOVERNMENT!!! This paragraph may interest those who are air miles fans with government spending.

This card is also FREE FOR LIFE without any condition which is excellent.

For more info on the Maybank Islamic Ikhwan American Express Platinum Card-i, please click here to read more.

And once you have an Maybank Ikhwan Islamic credit card, like I mentioned, you can have more than 1 credit card from the same issuer even if your annual income is less than RM36K per year. You can then look into other Maybank Islamic Credit Cards such as Maybank Islamic Ikhwan MasterCard Gold-i (for more cash back related to Groceries and Petrol) or Maybank Islamic PETRONAS Ikhwan Visa Gold-i (for 8% cash back at Petronas),

Affin Duo Visa

Minimum income RM24K to be eligible for the Affin Duo which consist of a Visa and a MasterCard.

But I am only going to recommend the Affin Duo Visa as it is a Cash Back Credit Card which earns you cash back for topping up eWallets! So once again do not activate the MasterCard is you are not going to use it.

Please visit Affin Banks’s website for TnC but here is a tip from my followers… just top up RM1K with the Affin Duo Visa to an eWallet only and nothing else and you will know how much cash back you earn from that transactions.

So I have covered most essential expenses (I have mentioned in My Maybank 2 Gold/Platinum Cards Review 2025 that Speed 99 also accepts AMEX) so far where you can use AMEX and Affin Duo for eWallets. What category is missing? Insurance premiums (excluding Etiqa if you can use AMEX) and TNB where you can’t use AMEX to earn cash back.

Well if you look at Affin Duo Visa, the max cash back is RM30 if your monthly expenses is less than RM3K and I have already told you just top up RM1K to eWallets.

Therefore the next jump to the RM50 cash back where you can earn additional RM20 is based on the condition your previous balance is above RM3K. To put it in another way, you need to spend another minimum RM2K after topping up RM1K to your eWallet just to earn RM20…. means the cash back you can earn is maximum 1%!!!

Therefore I don’t think it is wise to use the Affin Duo for Insurance Premiums or TNB if you can get another credit card that earns you more. Like I mentioned earlier, you can hold Principle Credit Cards from Bank A (Maybank 2 Gold Cards) + B (Maybank Islamic AMEX Platinum-i, Maybank Ikhwan MasterCard Gold-i & Maybank Ikhwan Petronas Visa-i) and your spouse from other banks or the same banks.

So say you and your spouse each have annual income of less than RM36K per year, you can hold Principle Maybank 2 Gold Cards + Principle Maybank Ikhwan MasterCard and your spouse Principle Affin Duo Visa (you do not need to activate the MasterCard if you do not need it) + Principle CIMB eCredit Card. Once again this is just an example as your spouse has many options, i,e, A+B or A (Maybank 2 Gold Cards) + C (Affin Duo Visa) or B (Maybank Islamic AMEX Platinum-i, Maybank Ikhwan MasterCard Gold-i & Maybank Ikhwan Petronas Visa-i) + C (Affin Duo Visa) or C (Affin Duo Visa) +D (CIMB eCredit Card).

CIMB eCredit Card

So the card you should get for Insurance Premiums and TNB is the CIMB eCredit Card! But you are only to pay on 28th of each month via Online and best after 8am because if you do the transaction on 12.01am on 28th it may be captured by CIMB as if the transaction was performed on 27th… no joke.

As you can observe above, you will earn 12X CIMB Bonus Points for transactions performed on 28th via Online and Contactless. Now CIMB website mentioned Auto-Debut but I will tell you DO NOT use any CIMB credit card for auto-debit especially for insurance………. go read your CIMB Credit Card TnC and understand them. Yes, you must make it a habit to read all your credit cards’ TnC as all banks have different TnC and CIMB is one of them where you may not earn any Bonus Points for Recurring Payments (i.e. which may include Auto-Debit).

So basically what you can do is on every 28th of the month, use the CIMB eCredit Card to pay your Insurance Premium Online (once again not auto debit) and TNB Bills via TNB App as we will earn 12X Bonus Points.

Wait, Bonus Points? This is cash back tutorial right?

Well, you see, you can pay RM40 towards settling your CIMB eCredit Card Statement Balance by calling CS (or maybe perform online) to convert 20K Bonus Points to RM40 cash back.

However, please note that the maximum Bonus Points you can earn per month with the CIMB eCredit Card is 20K only. What this means is the CIMB eCredit Card is good for up to RM1668 (I chose this number instead of 1667, say it in Cantonese, haha) on the 28th of each month. Once again only use the CIMB eCC on 28th after 8am and not any other dates!

So with you earning RM40 cash back from RM1668 spending on the 28th, this means you are earning 2.39% cash back.

Tap/Click on the button below to the desired page….