9th June 2025 - 3 min read
While many credit cards today offer cashback, most come with monthly caps, typically around RM30 to RM60. This means your rewards are limited, even if your spending goes beyond that.
The HLB Essential Credit Card takes a different approach. With recent updates in February 2025, it now offers Endless Cashback across key spending categories such as insurance, retail shopping and travel. This makes it especially useful during months with larger expenses, whether it’s annual insurance renewals, travel bookings or unexpected purchases. So the more you spend, the more cashback you’ll get.
The HLB Essential Credit Card is designed as an entry-level cashback card, but its benefits are broader than many cards in the same category. The key appeal is Endless cashback on three high-value everyday categories:
1. Insurance – 0.5% Cashback
You’ll earn 0.5% cashback on any type of insurance payments. This includes life insurance, medical policies and travel protection. Unlike many credit cards that exclude insurance from cashback eligibility, this one includes it, with no cap or restrictions on the insurer.
2. Retail Shopping – Up to 1% Cashback
Whether you’re shopping in physical stores, the card gives you up to 1% endless cashback. This applies both locally and overseas, making it useful for regular shoppers.
3. Travel – Up to 1% Cashback
Earn 1% endless cashback on travel spending, including flights, hotel bookings, and activities. Bookings made through platforms or directly with airlines and hotels are eligible.
To understand potential monthly cashback, here’s a simple breakdown based on common spending habits:
With RM6,200 in spending across the three main categories, you could earn up to RM52.20 in cashback for the month, with no cap.
The HLB Essential Credit Card is a good fit if your monthly spending regularly covers insurance premiums, retail purchases from fashion or lifestyle brands, and travel, whether locally or abroad. It is also ideal for those who prefer straightforward cashback over rewards points or air miles, and want a simple, transparent card without needing to track complicated tiers or conditions.
What also makes this card stand out from the rest is its endless cashback with no caps or minimum spend, inclusion of insurance payments (which many cards exclude), fixed cashback rates by category, and a first-year annual fee waiver.
Ready to earn endless cashback on your everyday essentials? Apply for the HLB Essential Credit Card here and start getting rewarded for your insurance, shopping, and travel spends, no strings attached.
Christina writes about personal finance with an eye for making the complicated feel straightforward. She is drawn to the everyday money decisions people face and genuinely enjoys finding the clearest way to explain them. Between articles, she is probably napping, on a hiking trail, or terrorising her sister’s cats.
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