Maybank To Revise Credit Card Cash Advance Fees From Jan 2026

Samuel Chua

18th December 2025 - 3 min read

Maybank has announced a revision to its credit card cash advance fees, affecting both conventional and Islamic credit cards. The updated charges will take effect from 5 January 2026 and apply to all eligible Maybank and Maybank Islamic credit cardholders.

What Is Changing From 5 January 2026

From January 2026, Maybank will reduce the percentage-based charges applied to cash withdrawals made using its credit cards. At the same time, the minimum fee per transaction will also be lowered.

These revisions apply to cash advances on conventional credit cards and the equivalent cash withdrawal management charges on Islamic credit cards.

Revised Cash Advance Fee For Conventional Credit Cards

For Maybank conventional credit cards, the cash advance fee will be revised as follows.

Currently, cardholders are charged 5% of the total amount withdrawn, or a minimum of RM18 per transaction, whichever is higher.

From 5 January 2026, the fee will be reduced to 2.52% of the total amount withdrawn, or a minimum of RM11.65 per transaction, whichever is higher.

Revised Cash Withdrawal Management Charge For Islamic Credit Cards

A similar revision applies to Maybank Islamic credit cards.

At present, cardholders are subject to a one-time management charge of 5% on the cash withdrawal amount, or a minimum of RM18 per transaction, whichever is higher.

From 5 January 2026, this charge will be revised to 2.52% of the total amount withdrawn, or a minimum of RM11.65 per transaction, whichever is higher.

Cost Implications For Consumers

Once the revised fees take effect, cardholders who use cash advances will face lower upfront charges per transaction compared with the current structure. Both the percentage-based fee and the minimum transaction charge will be reduced, which lowers the cost of smaller withdrawals in particular.

However, cash advances on credit cards remain a high-cost form of borrowing. Interest or profit charges typically apply from the transaction date, and there is no interest-free period. As a result, even with lower fees, the total cost can increase quickly if the balance is not repaid promptly.

For consumers who rarely use cash advances, the impact of the revision may be limited. For those who rely on credit card withdrawals more regularly, the revised fee structure may slightly reduce transaction costs, but repayment behaviour remains the main factor affecting overall cost.

Further details are available through Maybank’s official communication channels. Cardholders may also refer to their credit card product disclosures for the most up-to-date information.

Samuel Chua

Samuel writes about personal finance and financial news, focusing on how banking updates, policies, and promotions affect everyday money decisions. He enjoys making complicated financial topics easier to follow. Outside of writing, he spends his time watching TV shows and occasionally convincing himself he will only watch one episode.

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