Shops near you.
Find the eligible shops that accept cards and discover their cashback offers.
Simple, protected cashback
Your everyday payments can earn you cashback.
Pay as usual at eligible shops. Malak tracks your eligible purchases securely, and the account-holding bank pays your cashback automatically.
- on eligible payments
- 1.75%
- when you pay by QR
- 2.75%
- of public cashback per month
- Up to 1,000 DH
Programme in preparation. Illustrative interface
How it works
You pay. The cashback follows.
Your usual card. Your eligible shops. Four steps, shown in your app.
A coffee, a little extra.
Example of an eligible payment
- Amount paid
- 308.00 DH
- Cashback by card
- 1.75%
+5.39 DH
Acquired · Awaiting confirmation
The right appears as soon as the payment is authorised.
Illustrative example, not a promise of payment.
Your simulator
Little extras make the difference.
A coffee, the shopping, an appointment… Estimate what your eligible purchases could earn you.
Your figures stay in your browser.
How it is calculated
Calculated payment by payment and rounded down: 1.75% by card and 2.75% by QR, up to 1,000 DH of public cashback a month. A payment under 20 DH opens no right, and the part above 5,000 DH is not rewarded. At the same merchant, the programme rewards 2 transactions a week and 150 DH a month.
Cashback remains a right: it is confirmed after clearing plus 7 days, then paid by the account-holding bank, never by Malak. The actual right also depends on the merchant's eligibility and on the pilot budget.
Indicative estimate
DH
0 DH20,000 DH
All by cardAll by QR
Each payment counts from 20 DH to 5,000 DH.
Your estimated cashback
35.00 DH
a month on your eligible purchases
Breakdown of the estimate
- Card payments · 1.75%
- 35.00 DH
- QR payments · 2.75%
- 0.00 DH
- Average rate on your spending
- 1.75%
- Amount outside the per-payment limits
- 0.00 DH
Illustration only. The actual amount depends on each payment.
Everyday life, better
Good habits. A little extra in return.
No new card to adopt. Just another way to see your purchases.
You know where you stand.
Clear tracking of every purchase, from the right acquired to the payout into your bank account.
Your trust matters
Your cashback. Not your privacy.
An architecture designed to limit the data used and leave you in control.
- No access to your bank balance
- A card linked through a tokenisation service
- Permissions you can review and withdraw
How the programme in preparation is meant to work.
In plain terms
Your questions. Our answers.
The essentials, without the jargon.
The programme is being prepared.
The final terms will be published before opening.
Is Malak available yet?
No. The programme is in preparation and no service is open to the public at this stage. The pages of this site describe what is planned.
How much could I receive?
1.75% on eligible card payments and 2.75% by QR, up to 1,000 DH of public cashback a month. The actual amount depends on whether each payment is eligible.
Do I need to change bank or card?
No. The programme is designed to use your usual card. Compatible cards and banks will be confirmed before opening.
When is the cashback paid, and by whom?
The right is acquired at payment, confirmed at clearing, then due after 7 days. The account-holding bank pays it on Friday, or on request from 50 DH accumulated. Malak calculates rights and never pays.
What happens if my purchase is cancelled or refunded?
The matching right is reversed automatically. If it had already been paid, the amount is carried forward and offset against your future rights.
Does Malak see my card number or my balance?
No. The number stays with the tokenisation service, which passes on only a token, and Malak has no access to your balance. Malak receives seven fields per transaction: token, amount, date and time, the merchant's ICE and activity code, channel and status.
Everyday life has its perks
Why not run the numbers?
A few seconds to see your estimate.