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Swap your credit card reward points for cold hard cash or vouchers.

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  • Free and unbiased – We don’t charge you a middleman fee and we don’t play favourites with banks or cards.
  • Time-saver – We show all 200+ cards in Malaysia. Don’t waste your time looking around.
  • Fresh offers – We find you the latest promotions and best rewards.
  • Personalised search – We get personal to show you the cards that get you the most rewards.
  • Easy sorting – Filter your cards on your preference: cashback or air miles rewards.
  • AEON-credit-card
  • Affin Bank-credit-card
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  • MBSB-credit-card
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  • UOB-credit-card



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Compare Now
  • 1.How does GoBear compare credit cards?
    Our goal is simple: to show you the most transparent and unbiased comparison that suits your needs, not anyone else’s. Here is how: 1. Search by reward types What to be gained in return is generally what credit card users concern most – GoBear gets it! Start your search by selecting your preferred reward type: cashback or air miles. 2. Calculate annual rewards based on your spending needs To help you find your best credit card, you are asked to input your monthly spending amount with an option to break them down into categories like dining, entertainment, fuel, general, groceries, online shopping, shopping, as well as telco and town council. Refer to What is definition of each spending category and what is included in your rewards calculation? for details of shopping categories. With your input plus what we call the GoBear Rewards Converter, we will calculate your estimated annual earnings on cashback and air miles based on your monthly spending over a period of one year. How we do it is basically by converting the different credit card reward points based on average cash values or actual air miles you can redeem. Please refer to Which airline miles do you use in your total air miles calculation? for more details on air miles 3. Compare reward earnings vs other benefits, features and fees To give an all-rounded comparison, we also showcase a directory of other features, benefits and fees each credit card introduce.
  • 2.What is definition of each spending category and what is included in your rewards calculation?
    Dining: weekend and weekday dining (if you get awarded at different rates, the average applies) Entertainment: ticketing for cinemas, bars or events (or either of them) Fuel: includes card-specific rewards, miles or cashback gained from spending on fuel Groceries: grocery spending at multiple outlets Travel: 50% overseas spend and 50% travel-related spending e.g. flight, hotel Online Shopping: all spending on online shopping Shopping: all spending on retail shopping General: all other spending (except cash advances) To give a clear comparison, the followings is excluded: - Nominal discounts for fuel  - Bank-wide discounts for fuel - Bank deals with specific merchants   - Any ad-hoc promotions, unless they are quantifiable as an annual bonus related to a minimum spend in the first year.
  • 3.There are other comparison sites, why should I use GoBear to compare credit cards?
    Four words: transparent, unbiased, personalised, coverage.   GoBear credit card comparison is displayed based on your personal input and selections. We don’t “pre-rank” the card listing and indirectly tell you which card to pick. You also find no advertisement on our site unlike other comparison websites.   We currently also cover the largest range of credit cards to give a thorough comparison. Click on our sitemap to view a full list of the cards available.
  • 4.How accurate are the total air miles or cashback calculations?
    At GoBear we make best efforts to make our calculations accurate. Firstly, we ensure the data collected from the credit card issuers as well as our calculation engine are updated as constantly possible. Secondly, the input you provide on your monthly spending breakdown is obviously crucial for a more spot-on calculation. Having said that, there are certain personal spending patterns, specific merchant deals or rewards that we do not include in our comparison because our goal is to give you an apple-to-apple comparison. GoBear’s advice to you is to treat the total annual cashback and total air miles earned as one of the considerations during your comparison process. Click on More Details to learn more about the limitations and benefits of each individual card.
  • 5.What should I look out for when comparing between rewards, cashback or miles cards?
    Firstly, you must understand what each card offers: Rewards Cards: Reward cards earn you rewards that are specific to your card issuer (e.g. CitiDollars). These rewards are collected while spending money on your credit cards and can be exchanged for either vouchers, cash or air miles.   Cashback Cards: Cashback cards offer you a percentage of your total spending on this card. Depending on what you spend your money on, you could earn up to 5% cashback on your credit card.   Miles Cards: Miles cards earn you miles, which can be exchanged for frequent flyer miles at selected airlines. Most Malaysian banks have deals with Enrich and One World.   When comparing these 3 card types, you should keep in mind that rewards cards may not instantly give you “miles” or “cash” and sometimes a conversion rate applies when redeeming for these rewards. However, this does give you the option to choose your rewards or benefits at a later point of time.   Pure miles and cashback cards do not offer this flexibility but often offer better conversion rates. Cashback cards are loved by those who like instant “cash discount” from a bill.
  • 6.Which airline miles do you use in your total air miles calculation?
    GoBear has chosen Malaysia Airlines's Enrich miles as the basis for our total air miles calculation.  Why  Enrich? It’s one of the most popular frequent flyer programs and currently , a majority of different credit card miles can be redeemed to Enrich miles. For any card that has multiple redemption options, it is highlighted in More Details section.
  • 7.What are other items I should take note of when comparing credit cards?
    Annual Fee Most cards waive their annual fees for the first year, some credit card issuers may waive it for multiple years or even perpetually. Keep in mind that if spending per year on the card doesn’t reach the minimum spending set internally by the credit card issuers, you may be charged the full annual fee the following year.   However, often you will be able to convince a bank to waive your fee even if you did not reach the minimum spending. No harm to try we say! Interest Rates Interest rates on outstanding credit card balances range from around 8% to around 15% in Malaysia. Almost all cards have an interest-free period, which means you have some time to pay off your outstanding balance before interest kicks in.   Not all cards have the same interest rates, if you are often late in paying your balance it would be wise to choose a card with a lower interest rate and save yourself hundreds of ringgits per year.   Minimum Monthly Repayment The minimum monthly repayment is approximately 5% of the outstanding balance or at least RM50.   Best is to avoid outstanding balances altogether to reduce the interest “surprise”. See details from Interest Rates.   Cash Advance All credit cards allow advanced cash withdrawal from an ATM, however, you will pay an initial fee that could range between RM15-25 or 5% of the withdrawn amount. Also, the interest rate on cash advances could be higher than the standard interest rates. Refer to Interest Rates. Cash advance is different from payment and it also is subject to a higher interest rate than what you spend on retail. GoBear’s advice: do not use your credit card at an ATM unless absolutely necessary.

If you find these answers helpful? Check out our FAQs for other products to learn more.