Compare credit cards.
Calculate annual net cashback.
Compare consumer credit cards after annual fees and SST.
Enrich Points calculator
Uses the same spending inputs and yearly plan.
Leave value at 0 to compare points without an RM estimate. Flight taxes, availability, FX costs and unused points are excluded.
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Each card uses your full budget. This is a comparison, not a spending allocation.
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Two-card plan
Find a spending allocation across two cards.
Assumes full repayment. Excludes interest, FX costs, reload charges, points and gifts.
Card settings
Split transaction counts between cards. Enter statement balances separately.
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How we calculate
Tests eligible pairs and refines the strongest results. Same inputs give the same result. The search is approximate; a better split may exist. Monthly spending proportions repeat through your yearly plan. Both cards’ fees and SST are deducted. Equivalent variants and two AMEX products are not paired.
Card comparison
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Special card conditions
| Restriction | Examples | What to check |
|---|---|---|
| Network / terminal | AMEX; PB Petron | AMEX merchant acceptance; a Public Bank payment terminal for PB Petron rewards. |
| Petrol brand | RHB Shell, PETRONAS cards, AFFIN BHPetrol | Check the petrol brand. Other brands may not earn bonus cashback. |
| Merchant / payment mode | UOB ONE, HLB WISE, myimpact, PB Quantum | Selected merchants / MCCs, contactless, qualifying receipt size or direct auto-billing. |
| Calendar / statement | Ikhwan, AEON, CIMB, AFFIN | Fri/Sat vs weekends, member dates, or statement-balance tiers. |
| Membership / insurance | Premier, Japan Club, Public Mutual, AIAFAM, Great Eastern | Required relationship, membership or policy and payment mode. |
| Bundle / fee conditions | Maybank 2, AFFIN DUO, UOB EVOL | Physical card count, SST and annual or monthly fee-waiver rules. |
| Consumer card / conditions | Min. salary per month | Qualifying spend source requirement | Monthly gross cashback | Annual cost fee + SST | Yearly net after costs |
|---|
No cards match your filters.
Sources & privacy
68 consumer credit cards from RinggitPlus. Bank sources and unresolved rules are listed in each card’s details. Checked 10 Nov 2026.
Inputs are saved in this browser. Share offers a fresh calculator or a link with your inputs. Input links include your salary, spending and settings; anyone with that link can view them. These values use URL fragment parameters and are not sent to the hosting server. Reset clears saved values. Anyone using this browser profile can see saved inputs.
Cashback depends on qualifying posted transactions. Do not spend more or carry debt to earn rewards.