Why Kira exists

Most credit card comparison sites in Malaysia are paid by banks to surface particular cards. Their rankings are not honest, and the headline rates they quote rarely reflect what cardholders actually earn.

The math on a credit card is simple, but few people do it: multiply your spend by the headline rate, cap each category at its monthly limit, subtract the annual fee. Do that for every card on the market and you find the best one for your spending — not for theirs.

Kira is that tool. It takes your real monthly spending, applies every cap and condition, and ranks cards by net annual value. The methodology is open; the affiliate links don't influence the order.