Find your best credit card.
The honest way.
Banks advertise headline cashback rates that few users actually earn. Kira shows you the effective rate after monthly caps and minimum spend conditions — based on how you actually spend.
100% free · No signup needed for top 3 results · Methodology open
Step 1 — Tell Kira how you spend
Your monthly spending
Step 2 — Eligibility
Why Kira is different
The math the banks hope you don't do.
01
We use your real spend, not averages
Most comparison sites assume "average" Malaysian spending. Kira computes cashback for your exact monthly figures — category by category.
02
We apply monthly caps to compute effective rates
An "8% on dining" rate with a RM 30 monthly cap is really 3% if you spend RM 1,000 on dining. We do the cap math on every card, every time.
03
We update card data monthly
Promotional rates change. Caps shift. Welcome bonuses expire. The card database is reviewed monthly so your leaderboard reflects today, not last year.