The #1 Cashback Credit Card TO GET in Malaysia (2023)

Check out the benefits and apply using my link and you will get up to RM500 Cash Back + 3 year annual fee waiver. Limited time offer, valid till 31 December 2022.

⬇️ Timestamps:
0:00 → Introduction
1:00 → What is a cashback?
1:57 → For monthly income above RM 2,000
4:42 → For monthly income above RM 3,000
7:35 → For monthly income above RM 4,000
8:51 → My recommendations (+stacking tips)
13:32 → Conclusion

These credit cards can earn you as much as 15% cashback in various spending categories, such as Petrol, Groceries, Grab, Dining, e-Wallet, and many more.

While there are a plethora of credit cards offered by Malaysian banks, you can definitely get better cashback rewards and higher credit limit with credit cards offered by foreign banks, such as UOB Bank, Standard Chartered Bank, HSBC, Citibank, etc.

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[ZietInvests]

Check out the benefits and apply using my link and you will get up to RM500 Cash Back + 3 year annual fee waiver. Limited time offer, valid till 31 December 2022.

If you found this video helpful, it would do our team a great pleasure if you can check out Interactive Brokers (with the link above), as we will receive a very tiny kick back - we promise to make more and higher quality videos for all of you ❤ Have a nice day ahead!

[Aaronsuper]

Huh. Never seen someone actually breakdown the actual ringgit cost benefit of micromanaging a credit card. Pretty informative, thanks

[sarhan]

Man the amount of work and detail you put into this is just so amazing. Icant express u enough how thankful we are

[farisnasarudin]

This is one neat and clear breakdown for a credit card beginner like myself. This video helps me to explore and decide a lot of options out there. Thanks, Ziet!

[HoneyMoneySG]

I'm here to learn about Malaysia Credit Cards to prepare😂

[NplusO]

Very informative. Save me alot of time and homework

You got a new subscriber

[newbgaming]

Can you make a video talking about your maybank cards? Informative video btw, thanks.

[rodneytannn]

I think Maybank 2 gold card (AMEX) for 5% weekend combined with public Bank quantum 2 cards (online spending and contactless spending 5%) is better. Plus it's free for life! Calculation also omitted SST

[mjsajida]

I'm here to solely comment on 1 thing. Apart from the detailed explanation, I noticed u replied to each and every comments. Which is somewhat rare sight these days, I applause ur effort in engaging with ur audience. Therefore, new sub and keep up the good work! 👏🏼

[Mnmp]

Ziet, for HSBC Amanah, the annual fee is free if you make 12 swipes each year. To me, it sounds like a better deal. The only hurdle is to spend 2, 000 monthly. The idea is to just top up TnG to meet that amount haha but not sure if TnG will flag it as fraudulent transaction.

[longlonglo]

Citibank commercial banking gonna be history in Malaysia soon. Citibank sold their commercial bank to UOB Bank, so in future UOB one card = Citibank Cashback card.

[ariffadam]

Check if there a 'Only for the first 1, 000 customer' or to the limit of RM 10, 000 000.00 only on the first Friday, Saturday and Sunday of the month.

[kasmanurhafiza]

Awesome video breakdown! Thanks for sharing Ziet

[duaneyeoh]

There are some other cards out there with better cashback, which I personally use:
PB Quantum for online and retail spending (no weekday and weekend restrictions)
Maybank Ikhwan Mastercard and Visa for Petrol(8%) and groceries.

[Myvi]

Thank you for the video Ziet, but I was thinking of applying Maybank or CIMB Bank credit card 😂🤣. Still a great informative video 👍.

Just other thing related to personal finance, not sure you had done a video about the Buy Now Pay Later trend like Atome, Pace, Grab Paylater and other similar services. Would like to hear your thoughts about this trend. Thank you ☺️

[Stephens]

Hey Ziet. Not sure if you realise the error at 10:10 the HLB Wise card shows Grab spending. However earlier in the video it shows online spending.

Otherwise thanks for this very useful video. Appreciate it

[robertwalla]

Wow Ziet....thats a great piece man... You did all the hard work for yr viewers. Very useful other than investing this knowledge area is much appreciated. Best wishes.

[choowl]

Ziet, you might want to consider Maybank 2 Gold / 2 Platinum card. No annual fees, Min spend Rm1K/mth. Effective cashback 5%/ mth. Only downside: AMEX card usage on weekends. 😅

[jcsenhamster]

Thanks for the video and explanation on summarizing the lists of CB cards and also suggestion.
The issue with the cards, a lot of limit on certain categories.

Citibank is good but it has 1 issue, have to ask for waiving the annual fee. They are very arrogant (like Maybank), they can say they don't want to give. Have to call few agents to find 1 of them who is willingly to waive the annual fee. Bloody headache.

Right now, the cards are changing to Master card, hopefully no issue.

[zerokyoz]

Thanks for detail and straightforward information on this matter.