Gen-X already has provided a great review on the HSBC Amanah MPower credit card. Love the title - "Is it really 8%"

1. Its a promotion, subjected to a time frame. Its not a permanent product feature.

2. Its has a monthly cap, restricted by merchants, limited by weekend spend only, and has a minimum spend to qualify for 8%.

Too many T&Cs for a credit card. OCBC and MBB 2 Card still tops the cash back field.

If you can't qualify for RM36k or RM30k p.a., you can check out the UOB One Classic card, or Alliance Bank You:nique cash back (both RM24k p.a. income requirement)