Maybank has more credit cards to offer than any bank in Malaysia with benefits that help save you money on petrol, flights, shopping or household bills. Get them all with an easy online application.
From AMEX to MasterCard and Visa, Maybank credit cards offer dining and hotel discounts, travel and golfing privileges, petrol and grocery cashback, TreatsPoints, and many more—all at zero annual fees!
Maybank Credit Card Campaign FAQs:
For a limited time, qualified applicants of eligible Maybank credit card(s) will receive a free sign-up gift of an Apple Watch Ultra 3, capped at 3 units for every 50th qualified applicant.
This promotion runs from 26 January 2026 until 2 March 2026, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing principal cardholders who hold any Maybank credit cards or those who have cancelled their Maybank credit card within 6 months before the date of the flash deal application are not eligible.
How to be eligible for the gift?
Apply, get approved by Maybank, activate the new card, and subsequently make a minimum of one (1) retail transaction (no minimum amount is required) within 30 calendar days from the date of the card's approval date to be eligible.
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
What are the Benefits of Maybank Credit Cards?
The benefits of a
Maybank credit card are abundant. For starters, you can enjoy the advantages of swift contactless payment via Visa PayWave or MasterCard PayPass with the contactless Maybank credit cards.
If you like having both cashback and rewards benefits on a credit card, look for the
Maybank 2 Gold Cards for fresh graduates, or the Maybank Visa Signature for an upgrade.
Moreover, Maybank cards like the
Maybank World MasterCard and Maybank Visa Infinite give you air miles benefits, which you can use to redeem cheaper or even free flight tickets from your favourite airlines.
Travelling is fun—only when everything goes according to plan. Expect the unexpected with grace and calm, as Maybank Malaysia credit cards are equipped with a travel insurance protection plan.
When you need travel advice, emergency cash, ticket bookings, or so on, Maybank premium cardholders can just ring the Visa or MasterCard Concierge Services or AMEX Global Assist for assistance.
1. Maybank AMEX Credit Card—Two is Better Than One!
Get the best of both worlds in a single application: apply for a Maybank AMEX credit card and get a complimentary Maybank Visa or MasterCard credit card, with both cards sharing one statement.
There are a ton of benefits of owning a
Maybank 2 Cards Premier, for example, apart from earning cashback and TreatsPoints.
With the Maybank AMEX credit card or Maybank 2 Cards, you can discover a wide range of exclusive deals, discounts, and promotions from shopping, dining, and travel to beauty and health, entertainment, and credit facilities!
2. Maybank Treats Fair and Discounts
Have you heard of Treats Fair? It is an annual event for Maybank principal cardholders to redeem a wide range of reward items.
Even if you miss out on it, the Maybank credit card point redemption program is open all year long, via e-catalogue or on-the-spot redemption.
But remember, your TreatsPoints will expire after 3 years, so hurry up and redeem them if you haven’t.
Not to mention, here is a little something for everyone: food lovers can enjoy up to 40% discount on food and beverages when dining at selected Marriott Bonvoy Participating Hotels and Resorts in Malaysia.
Meanwhile, avid golfers can practice their swings at discounted green fees at their favourite golf club, whereas frequent travellers have free access to the airport lounge and its facilities.
3. Maybank Easy Payment Plans
With interest rates starting from 0% and a repayment period of up to 36 months, Maybank's 0% EzyPay is available for both Conventional and Islamic credit cards.
Converting your retail purchases into smaller instalments is simple and cheaper with two choices of the Maybank easy payment plan.
You can also withdraw money from your Maybank card via Cash Advance, or loan against your card via Cash Treats or EzyCash.
4. Maybank Balance Transfer Program
Take control of your finances with the
Maybankard Balance Transfer Program by transferring your outstanding credit card balances from other banks to your Maybank credit card.
Enjoy 0% interest for 6 or 12 months with a one-time upfront fee, or interest rates as low as 4.95% for longer tenures up to 36 months.
This program allows you to consolidate your debts and manage repayments more effectively, potentially reducing your overall interest expenses.
How to Find the Terms and Conditions for the Maybank Credit Card?
Here is your guide to quickly locating the key information for your Maybank credit card:
The Official Online Source: Maybank2u Website
The definitive and most current place to find your card agreement is on the official Maybank website.
Cardholder Agreement (The Full T&C): This comprehensive document details everything from card acceptance and liability to default clauses and the specific fees for your card type. Search the Maybank website's "Cards" or "Terms & Conditions" section for the agreement corresponding to your card name (e.g., "Maybank Visa Signature Card Agreement").
Product Disclosure Sheet (PDS): For a quick summary of the essential details, the PDS is your go-to document. It clearly outlines the minimum payment, interest rates (which are tiered based on repayment history), and core fees in a concise format mandated by Bank Negara Malaysia. You should read the PDS for your specific card type (e.g., "PDS Maybank 2 Cards").
Physical and Digital Statements
Welcome Kit: You received the full Cardholder Agreement (T&C) in the welcome package when your card was first delivered and activated.
Monthly Statements: Your e-Statements (accessible via Maybank2u or the MAE App) always contain your current Minimum Payment amount, Due Date, and the Finance Charge rate applicable to your account.
Direct Assistance
If you have any trouble locating the specific file or require immediate clarification, always reach out to Maybank Customer Care:
Maybank Group Customer Care: Call the number printed on the back of your credit card or dial 1300-88-6688 (within Malaysia). You can request that a copy of the Cardholder Agreement be sent to your registered email address.
Who Can Apply for a Maybank Credit Card?
On each of the Maybank credit card pages on our website, you can find the eligibility criteria under "Requirements".
Otherwise, you can have a quick look at the table below.
*Please note that the minimum income requirement for expatriates might be different.
What are the Documents Required to Apply for a Maybank Credit Card?
If you’re wondering how to apply for a Maybank credit card, look no further. Submitting an online application is easy to do, and it’s easy to check your application status this way as well. Just make sure you fulfil the Maybank requirements and have the prerequisite documents ready at hand.
In general, these are the documents that you need to prepare to apply for a Maybank credit card:
DOCUMENTS FOR MAYBANK CREDIT CARD APPLICATION
Salaried Employee
Self-Employed
Expatriate
✔ Copy of IC (both sides) or Passport
✔ Latest BE form with an official tax receipt ✔ Latest 3-month salary slip ✔ Latest 6-month savings account or current account statement
✔ Copy of IC (both sides) or Passport
✔ Copies of Business Registration ✔ Latest 6-month Bank Statement
✔ Copy of Passport
✔ Latest BE form with an official tax receipt ✔ Latest 3-month salary slip ✔ Latest 6-month savings account or current account statement ✔ Letter from employer confirming the duration of employment contract in Malaysia
A card that pays for your lifestyle with up to 5x TreatsPoints and 5% cashback on petrol and groceries spent. Enjoy VIP treatment with a VISA speed pass and 24-hour concierge service.
Apply for Maybank 2 Cards and pay zero annual fees for life for your American Express, MasterCard, or Visa. Extra rewards with AMEX include 5x TreatsPoints on all retail and 5% cashback on weekend spending!
A free-for-life credit card that collects 8x TreatsPoints on petrol and grocery transactions every weekend. When accumulated enough, the TreatsPoints can be redeemed for great gifts, vouchers, or free flights at a conversion rate of 20,000 TreatsPoints = 1,000 Enrich Miles/KrisFlyer Miles/Asia Miles!
Travel the world with class. Enjoy 5x TreatsPoints on local & overseas retail transactions, free Takaful coverage, free airport lounge access for 5x a year, as well as dining and golfing privileges.
Grocery shopping and retail therapy will never be dull again with Amex. Enjoy unlimited cashback on local and overseas spending, and save up to 50% on exclusive dining.
How to Apply for a Maybank Credit Card?
Credit card applications can be made online on RinggitPlus!
All you have to do is compare all the Maybank credit cards and apply online.
Frequently Asked Questions (FAQs)
1. How do I check my Maybank credit card balance and recent transactions?
Online Banking (Maybank2u): Log in to the Maybank2u website to view your real-time balance and transaction history under the 'Cards' tab.
Mobile Banking (MAE App): Use the MAE app for instant access to your account balances.
Statements: View and download your monthly e-Statements (which include your balance) directly from the Maybank2u website under 'Services' or 'Bills & Statements'.
2. What is the Minimum Payment required, and what are the Late Payment Charges?
The minimum payment and late charges apply to most conventional and Islamic credit cards (excluding speciality cards like Maybank myimpact, which may have no late payment charge).
Minimum Monthly Repayment: You must pay at least 5% of your Total New Balance (or RM25, whichever is higher).
Late Payment Charge: If the minimum payment is missed by the due date, a Late Payment Charge will be levied at 1% of the unpaid outstanding balance (minimum RM10) up to a maximum of RM100.
3. How do I activate my new Maybank credit card and set my PIN?
Both processes can be managed through the Maybank2u website:
Activation:
Log in to Maybank2u.
Go to 'Settings' → 'Manage Credit Cards'.
Select 'Activate Card' and follow the on-screen prompts, confirming with SecureTAC or SMS TAC.
Set/Change PIN:
Log in to Maybank2u →'Settings' → 'Manage Credit Cards'.
Select 'Set PIN', key in your preferred 6-digit PIN, and confirm using SecureTAC or SMS TAC.
4. What is the expiry period for my Maybank TreatsPoints?
For most standard Maybank credit cards, TreatsPoints have an expiration period of three (3) years from the month they were earned.
The expiry date will be clearly indicated on your monthly credit card statement.
Note: Certain premium cards (like Visa Infinite or World Mastercard enrolled in the Rewards Infinite program) may offer non-expiring points. Always refer to your specific card's Product Disclosure Sheet.
5. What travel benefits (insurance/airport lounge access) are included when I use my card for flights?
Complimentary travel insurance and lounge access are key benefits of Maybank's premium credit cards (Signature, Infinite, World Elite):
Travel Insurance: Complimentary Travel Personal Accident Insurance (up to RM1 million or RM2 million, depending on the card tier) is generally provided when you charge the FULL cost of your flight tickets to an eligible card. Coverage often includes lost/delayed luggage and missed flight connections.
Lounge Access: Cards like the Maybank Visa Infinite or World Elite Mastercard typically offer a specific number of complimentary annual access passes (e.g., 5 times) to participating Plaza Premium Lounges locally and overseas.
Benefit levels vary significantly by card tier; always check the PDS for your specific card to confirm exact coverage amounts and lounge access quotas.
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So you’ve applied for a credit card with sign-up gifts, what’s next? Once your application is approved by the bank, you’ll need to fulfil the gift criteria stated in our terms and conditions. From there, the banks will send us a list of approved applications that are eligible for the sign-up gifts. This process will take around 2 months.
From then on, you will receive a gift redemption email if you are eligible for a sign-up gift. The email contains a designated code from us and instructions on how to claim your gift. Please refer to our comprehensive FAQs to find out more. For a clearer picture, below is our sign-up gift redemption process.
When Can I Expect My RinggitPlus Sign-Up Gift?
The entire process from application to receiving your gift takes about three months. Yes, that's quite a wait, but here's why.
Day 1-10: Application and Approval
First, you'll complete your credit card application and get approval from the bank. This is the first step towards your gift.
Day 11-60: Meet the Gift Requirements
Once your card arrives and you've activated it, you'll need to meet the specific criteria to qualify for your sign-up gift. For most promotions, this means spending a certain amount within 60 days of your card's approval date.
For example, if HSBC approves your card on 15 December and requires RM3,000 in retail spending, you'll need to hit that amount by 13 February. Keep track of your spending through the bank's mobile app or online banking to make sure you're on track.
Day 11-60: Banks Compile Eligible Lists
During the same period, banks are compiling lists of approved applicants who've met all the gift criteria. They then send these lists to RinggitPlus. This step is entirely handled by the banks and can take up to two months, which might extend the overall timeline slightly.
This is the part of the process that most people find frustrating, and we understand that. We're dependent on the banks' timelines here, as they need to verify each applicant's spending and ensure all requirements have been met before releasing the gift lists to us.
Around Day 61: Gift Redemption Email
Around this time, RinggitPlus will send you an email with a unique redemption code and instructions on how to claim your gift.
Check your inbox (and your spam folder, sometimes our emails end up there).
Day 62-90: Gift Delivery
After you've submitted your redemption claim, we'll send you a confirmation email to let you know your request is being processed.
Physical gifts (gadgets, appliances) typically arrive within 28 days from confirmation
E-wallet credits or vouchers usually arrive within 10 days
While we provide these estimated timelines, sometimes slight delays can occur. This usually depends on how quickly the banks process individual applications.
