I built a free Malaysian credit card database and calculator suite — finally ready to share it properly
Back in mid-2023, I had never owned a credit card in my life.
All I wanted was to find one that gave complimentary airport lounge access — just to bring my wife somewhere nice before our annual holiday. Three hours of free coffee, comfortable seats, and a proper send-off before a flight. That's it. Simple enough.
So I did what anyone would do: searched social media and forums. The information was everywhere and nowhere at the same time. Scattered and unorganised..
Eventually I just opened a Google Sheet and started reading every Malaysian bank's credit card page myself. Built my own table. Got it done. Posted it in a Facebook credit card group feeling very proud of myself (of course it has errors but not a major mistake).
Then I noticed something: Some cards give mileage. Some give cash back. I had no idea what mileage even meant at the time, but I figured I should probably understand it before I start applying credit cards myself.. So I went through every bank's website again — this time hunting for numbers. Minimum spending, cash back rate, monthly caps, spending categories, tier conditions.
I added all of it into the spreadsheet. Built my first personal calculator. Entered my estimated monthly spending. It ran through 200+ cards and spat out the top 30. I applied for cards in order of what my own calculator recommended, based on my own expenditure behaviour.
I went from owning one Public Bank debit card in pre-2023 to holding Alliance Bank (VI, VP, VV, VS), CIMB (Travel World + e-Card), RHB (Shell + Cash Back), RHB-i (Shell + World), AmBank (Enrich VP), AmBank-i (VS), PB-i (VP), Bank Rakyat (Platinum Explorer), Bank Muamalat (Amanahraya), Affin (UKM + Duo Cashback + Rewards), and HLB Sutera. My wife has her own Alliance Bank stack too (and I manage her cards teeehee)
Within three years: 700,000+ Enrich points earned. A few business class return flights to Tokyo — with my wife and my mom. Decent cash back from diligently playing the game. I used to be addicted to online games. Turns out exploiting credit card rewards is more exciting and actually pays out in real life.
The calculator that became a website
I always wanted to share my spreadsheet with friends, but Google Sheets is a nightmare to share properly. So I hacked together a Google Form linked to the sheet — 16 spending fields, auto-calculated results. It worked. Sort of. The UX was rough and the speed was painful and I wasn't satisfied (and my friends show very little to none interest trolol).
In August 2025, I decided to build a proper website. Zero coding knowledge + Zero web design experience + Zero understanding of how the internet actually works behind a browser. I'm a secondary school tuition teacher who has been running my own small tuition centre for 20+ years. The internet was a tool I used, not something I built things on.
I wanted to create a cool name that people will remember. Same petrol stations, same groceries, same online checkouts, same spending routines, same cash back and all I do is : Do it Again, Do it Again, Do it Again >>> DuitGain. I'm proud of my 11 years old brain.
With the help of free ChatGPT, I put together duitgain.com. Very 1990s vibes. I love it. It was just a library back then — 280+ cards with filters, so users could browse and compare. No calculator yet. The data entry alone nearly finished me. One month of inputting card data, and I needed a break.
The calculators got delayed. Until 10 June 2026.
That's when I subscribed to Claude Pro for a month, thinking I could maybe build one calculator in 30 days if I pushed myself. I built two in 72 hours. Then kept going. Calculator after calculator. Then a full website facelift — header, footer, blog, everything. These AIs are genuinely insane. They let ordinary people execute things they could never have imagined, and save them years of learning they'll never have time for.
What duitgain.com can do
Cash Back Suite:
- Cash Back Calculator — enter your monthly spending across 16 categories, instantly see how much each card earns you
- Cash Back Optimizer (the one I'm most proud of) — input your spending pattern, and the algorithm evaluates up to 11.2 million card combinations to find your optimal 2-5 card stack. Accounts for caps, tiers, category exclusions, everything
- Card Comparison — up to 3 cards side by side, with net ROI calculated after annual fee deduction
- Cash Back Card Rank — ranked by spending category (dining, petrol, online, groceries, etc.), filterable by bank
Miles Suite:
- Enrich Points Calculator — monthly and annual Enrich earn projection, with MAS bonus campaign toggle
- KrisFlyer Miles Calculator — same, for Singapore Airlines KrisFlyer players
- UOB Combo Calculator — built specifically for the popular UOB card ecosystem; handles UNIRM conversion, miles toggle, and annual spend bonus tracking
- Enrich Card Rank and KrisFlyer Card Rank — which card earns the most miles per RM spent, across 16 categories
Travel Suite:
- Enrich Points Redemption Library — 51 MH destinations, showing economy and business class points required plus taxes and surcharges
- Individual MH destination pages with best earning card recommendations, flight schedules, and aircraft seat specs — including which seats have direct aisle access. For the aviation nerds and seat selection obsessives
The database:
- 284 credit cards across 18 Malaysian banks, all manually verified against official Product Disclosure Sheets.
- I just completed a full audit of every single card this month — all data current as of June 2026.
- Calculator is not perfect. Please leave me a message if you find any error on it.
What this is not
No ads. No affiliate links. No commission. No sponsored rankings. Nobody pays me to list their card higher. The calculators do the math and the results are what they are.
Completely free. No account needed. No personal data collected.
I did shamelessly add a Buy Me a Coffee button in the menu. That's the entire monetisation strategy.
One last thing
When I think about mid-2023 me — clueless about credit cards, just trying to get my wife into an airport lounge — I think he would have loved this website. He would have found every card in the country, compared them in a few clicks, and known exactly which ones to apply for.
He would have been delighted.
I hope you are too. Feedback very welcome — this community in particular tends to know what they're talking about, and I'd rather hear what's wrong than have people quietly frustrated.
All links in the comments.
PS: AIs are some insanely helpful tools. They helped me to build the website and design the draft of this post. All I did was just copy+paste.
