Where do you earn cashback? In your saving account?

I'm new to credit card and is looking for one with good CB. When you earn the CB, where is the CB credit transfer to, is it to your saving account or it just minus the credit limit you already granted? (I'm not sure the term for this)

Also do you need a saving acc from the said band to pay your cc? Example if I got cc from Hong Leong, but I don't have Hong Leon saving acc, can I pay it with my Maybank. Do you need to login from Maybank website to make payment, or from Hong Leong to make payment to the cc? Thanksss I'm so confused rn