Why credit cards always earn less cash back than advertised

NOT ALL cash back credit cards are created equal. To make sure cash back benefits do not cost banks too much, most have terms and conditions that make the actual cashback you receive lower than advertised. 

Still, cash back cards are rightfully the most popular cards in Malaysia – giving people direct Ringgit back, instead of points or miles. Just make sure you read the fine print and use your cards strategically!