Credit Card Comparison: Maybank Family & Friends Card vs Citi Cash Back vs CIMB Visa Signature Card

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Want a cashback credit card that lets you rack up rewards on groceries and more? Take your pick from Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card. 

Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card are high cashback credit cards you wouldn’t want to miss considering how rewarding they can be. Besides dishing out generous cashback on essentials like groceries, depending on which credit card you hold, you can also look forward to earning high cashback on common categories like dining, food deliveries, petrol, online shopping and more. 

While they may seem similar at first glance, Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card aren’t duplicates of each other. Read on to find out more about them, what they have to offer and which one could be the right one for you.

Maybank Family & Friends Card vs Citi Cash Back vs CIMB Visa Signature Card

Credit card Key benefits
Maybank Family & Friends Card8% cash rebates on groceries

8% cash rebates on groceries, food deliveries, transport, petrol, telco, online media subscriptions and more
Citi Cash Back8% cashback on groceries

8% cashback on petrol and 6% cashback on dining
CIMB Visa Signature Card10% cashback on groceries

10% cashback on online shopping, beauty/wellness, pet shops/veterinary services and cruises 

What these cashback credit cards have in common 

Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card offer higher-than-usual cashback if you are able to chalk up a minimum spend of $800 per month. 

These three cashback credit cards are great for grocery shopping (and more!) and they only require cardmembers to have a minimum annual income of $30,000.

How these cashback credit cards differ 

Comparison #1: Cashback workings

 Maybank Family & Friends CardCiti Cash BackCIMB Visa Signature Card
Cashback workings8% cash rebates on groceries, food deliveries, transport, petrol, telco, online media subscriptions and more

Unlimited 0.3% cash rebates on all other spend 
8% cashback on grocery shopping, both online and at major supermarkets

8% cashback on petrol spending (up to 20.88% savings at Esso and Shell) 

6% cashback on dining at restaurants, cafes, fast food eateries, and caterers

Unlimited 0.25% cashback on other spend
10% cashback on groceries, online shopping, beauty/wellness, pet shops/veterinary services and cruises

Unlimited 0.2% cashback on other spend

Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card offer generous cashback on essentials like groceries and more. If you drive or dine out a lot, definitely consider going for Maybank Family & Friends Card or Citi Cash Back to boost the overall cashback you can potentially earn. 

The CIMB Visa Signature Card is a good option if you tend to spend a fairly equal amount across those five categories.

Comparison #2: Cashback cap

 Maybank Family & Friends CardCiti Cash BackCIMB Visa Signature Card
Cashback cap$80 per calendar month $80 per statement month$100 per statement month; split into $20 per category 

A cashback cap is a common feature across credit cards that offer generous cashback. In this Maybank Family & Friends Card vs Citi Cash Back vs CIMB Visa Signature comparison, the more fussy card is, of course, CIMB VIsa Signature Card — its $100 monthly cashback cap is split across the five categories so you’re required to plan and track your purchases if you want to maximise your cashback every month. 

Comparison #3: Annual fee waiver

 Maybank Family & Friends CardCiti Cash BackCIMB Visa Signature Card
Annual fee waiverThree years waiverFirst year waiverFree for life 

CIMB Visa Signature Card lets you enjoy all the perks without having you bother about annual fees at all. Which card comes with free supplementary cards? Maybank Family & Friends Card lets you enjoy a free supplementary card while CIMB Visa Signature offers cardmembers up to four free supplementary cards.  

Comparison #4: Extra perks 

 Maybank Family & Friends CardCiti Cash BackCIMB Visa Signature Card
Extra perksYou can earn 5% cashback on the same categories if your monthly spending is between $500 – $799

Enjoy the same benefits on groceries, food deliveries, transport and petrol when in Malaysia

Maybank retail, dining and lifestyle promotions

3X interest on your child’s savings with Maybank Family Plus
Up to $1 million coverage when you charge your travel tickets to the card

Citi World Privileges: Get dining, lifestyle, travel and shopping deals locally and in 95 other countries
CIMB dining, retail and lifestyle offers across Singapore, Malaysia and Indonesia

Transit with ease with SimplyGo

Complimentary travel insurance of up to $500,000 for you and your family when you charge your full travel fares to the card 

Access to Visa Signature Concierge

If the minimum monthly spend of $800 seems difficult to obtain, take heart that Maybank Friends & Family lets you earn 5% on the same categories if your monthly spending is between $500 to $799. 

Prefer something that offers complimentary travel insurance? Zoom in on Citi Cash Back or CIMB Visa Signature Card. 

Conclusion: Which one should you choose?

Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card let cardmembers rack up cashback quickly thanks to their generous cashback rates. If a large chunk of your expenses goes to things like groceries, petrol, dining or food deliveries, definitely take advantage of what these cashback credit cards have to offer. 

Back to top

Choose Maybank Family & Friends Card: If there are months you can’t hit the $800 minimum monthly spend, don’t worry. This card still lets you earn 5% cash rebates on the selected categories — not shabby at all considering the attainable monthly spend of just $500. It’s also good to know that its $80 monthly cashback cap isn’t split into categories so you don’t have to worry about spending more on certain categories than others.

SingSaver promotion for Maybank credit cards: From now till 31 March 2021, get $100 cash credit when you apply for one of seven participating Maybank credit cards (for new Maybank cardmembers only). To earn this reward, you will have to spend a minimum of $250 qualifying spend each month for two consecutive months upon card approval. More details here.

Choose Citi Cash Back: If your expenses mainly revolve around groceries, petrol and dining, Citi Cash Back is one to have in your pocket. Similar to Maybank Family & Friends Card, Citi Cash Back has a cashback cap of $80 per statement month across categories. 

A little-known perk that this cashback card offers? Complimentary coverage of up to $1 million when you charge your travel tickets to the card.


SingSaver exclusive promotion: Snag a set of Apple AirPods Pro (worth $379) or $350 cash via PayNow when you apply and make a qualifying spend of $200 within 30 days of card approval. Existing cardmembers receive $30 cash via PayNow. Valid till 7 March 2021. T&Cs apply. Pick your Citibank card here!


Choose CIMB Visa Signature Card: This card is ideal if you regularly spend across categories like groceries, online shopping, beauty and wellness (e.g. pharmacies, cosmetic stores, spas), and pet shops and veterinary services. 

How to maximise the 10% cashback you can earn monthly? Ensure you’re spending a fairly equal amount on each category (i.e. at most $200 per category). This card has no annual fees yet offers complimentary travel insurance of up to $500,000 for you and your family when you charge your full travel fares to the card!

CIMB Sign-up Promotion: Get $100 cash credit when you apply as a new CIMB credit cardmember from now till 28 February 2021. You will have to make a minimum spend of $350 per month for 2 months from card approval to be eligible.

CIMB is also running a lucky draw where you stand to get 6 months’ worth of credit card bills paid for, just by spending on your CIMB card! A monthly cash prize of $1,000 will also be given out. Valid till 28 February 2021.

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By Denise Bay
While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.