When looking for credit card, I look at how I can get money back, so far I found two ways: Redeem the points for Vouchers. Money back. The following are the credit cards in Malaysia I have reviewed and thought I will share them with you: Hong Leong Bank Supplementary card fee - RM 40/- Uses points (1 point for RM1/-) - Accumulate points that can be redeemed for vouchers. Redeeming for KFC Voucher the rate is 0.42%. You can get additional points from other bank services such as loan. Citibank Malaysia Cash Back card Annual Fee: RM 90/year Supplementary card: RM 60/year 0.2% on the expenses. -- Shell Card Annual Fee: RM 90/year Supplementary card: RM 60/year Fuel Rebate of 1.5% - only from Shell (non Fuel purchase 0.5%) Public Bank Annual Fee: RM 75/year Supplementary: RM 45/year Rate of return: Total Monthly Retail Purchase Tier % Up to RM3000 0.3 Up to RM10,000 0.5 RM 10,001 and above 0.6 AmBank Annual Fee: RM75/year Suppleme