How the calculator works
Annual net cashback
Annual net = eligible cashback across 12 months − annual fee − SST.
Monthly spend multipliers change each month's budget. Thresholds and caps are calculated for each month, followed by annual limits where modelled. Fee waivers use the relevant annual spending or transaction conditions.
Source priority
Bank disclosure sheets establish fees; bank reward terms establish cashback. RinggitPlus provides listing rows. Where sources disagree, the recorded bank rules take priority. Each card page states the check date and remaining gaps.
Conditions and assumptions
Salary affects the eligibility filter, not cashback rates. Merchant codes, payment method, petrol brand, eligible dates and transaction sizes can change the payout. Percentage inputs approximate qualifying spending; they cannot verify individual transactions.
AMEX spending is limited by your acceptance estimate. It is not a measured acceptance rate. Membership and relationship requirements must be checked separately.
Partial verification
Partial estimates use the disclosed assumptions. They remain visible for comparison, but the top single-card recommendations require complete recorded bank checks. Future terms applied early are labelled on affected cards.
Two-card search
The optimiser evaluates allocations across eligible card pairs and refines promising results. It is an approximate search, not a proof of the global maximum. Allocations preserve the entered category budgets and apply both cards' fees and SST. Whole purchases may not fit the suggested split exactly.
What is excluded
The calculator assumes full repayment. It excludes interest, foreign-exchange costs, reload charges, reward points, welcome gifts and unconfirmed discretionary rebates. Do not spend extra or carry debt to earn cashback.
Privacy and exports
Calculations and saved inputs stay in your browser. Shared input links contain the included values; anyone with the link can view them. CSV and printable reports are generated on your device. Analytics, when enabled, record named feature actions without salary, spending or result values. Session recording and automatic interaction capture are disabled.