Maybank 2 Cards Premier

5x TreatsPoints for every Ringgit spent, convertible to AirMiles at a low conversion rate, 1-for-1 dining at Shangri-La and lifestyle privileges!

Maybank 2 Cards Premier10k TreatsPoints upon activation
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 10,000 TreatsPoints as a bonus upon your card's first spending. Enjoy 5x TreatsPoints when you spend at local and overseas using your Maybank 2 Cards Premier Reserve American Express Card. You can redeem 1,000 Enrich Miles or KrisFlyer Miles with 5,000 TreatsPoints.

Maybank TreatsPoints
5 points on every RM1on all local and overseas spending with Maybank 2 Cards Reserve American Express Card
1 point on every RM1on utilities, education, insurance and EzyPay Instalment with Maybank 2 Cards Reserve American Express Card


Convert loyalty points to air miles at a conversion rate of 5,000 TreatsPoints = 1,000 (MAS Enrich Miles, Singapore Airline KrisFlyer Miles, Asia Miles). Also, get full travel insurance coverage of up to RM1 million. Enjoy golf privileges & access to golf clubs around the world - complimentary green fees and a 10% discount for your guests.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM1,600
Missed FlightUp to RM1,600
Lost LuggageUp to RM5,000
Delayed LuggageUp to RM1,600


Premier Lifestyle Program - enjoy a full suite of discounts and privileges on hotels and golf clubs worldwide for a more pleasurable experience overseas. To top it off, you get to enjoy up to a 50% discount on your food bill at Shangri-La Kuala Lumpur & 40% discount at Marriott Bonvoy participating hotels and resorts in Malaysia, both valid until 31 December 2022.

Balance Transfer

Need to move your existing credit card balance to a low-interest card? The Maybank Balance Transfer Program offers interest rates as low as 0% and payment terms up to 36 months with a minimum transfer amount starting from RM1,000.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88%one-time upfront handling feefrom RM1,000
9 months9% p.a. and no one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
24 months4.5% p.a. and no one-time upfront handling feefrom RM1,000
36 months4.95% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about Maybankard Balance Transfer Program

Easy Payment Plans

Maybank EzyPay offers payment terms up to 36 months at 0% interest on purchases for your big-ticket items from participating outlets. For all other purchases, you can opt for Maybank EzyPay Plus for instalments of up to 24 months at low-interest rates.

Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM50
6 months0% p.a. and no one-time upfront handling feeRM50
12 months0% p.a. and no one-time upfront handling feeRM50
18 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
Learn more about Maybankard EzyPay
Maybankard EzyPay PLUS
Pay OverWith Interest Rate AtWhen You Spend
6 months9% p.a. and no one-time upfront handling feefrom RM500to RM30,000
12 months9% p.a. and no one-time upfront handling feefrom RM500to RM30,000
18 months9% p.a. and no one-time upfront handling feefrom RM3,000to RM30,000
24 months9% p.a. and no one-time upfront handling feefrom RM5,000to RM30,000
Learn more about Maybankard EzyPay PLUS

Fees & Charges

Annual Fee
  • RM800 primary card

    Free for first year

    Waived when you spend RM80,000 for subsequent years

    4 free supplementary cards

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM25 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM18 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Minimum Annual Income
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians and Expatriates


Easy Payment Plan
Maybankard EzyPay
EzyPay is, well, easy: a 0% interest installment plan which lets you spread your payments over 36 months. Available at participating merchants only.
Maybankard EzyPay PLUS
A hassle free solution to split your purchases into affordable monthly instalments for up to 24 months. Flexible payment is just a phone call away.
Cash Advance / Cash Loan
Maybankard Cash Treats
It's reassuring to know that you have access to cash in an emergency. With Maybankard Cash Treats it's so easy to apply as no documents are required and fast approval guaranteed!
Maybankard EzyCash
Instant cash at 0% interest with minimum loan amount of RM2,000. Refurbish your home, pay for your insurance or simply pay your outstanding bills.
Balance Transfer Plans
Maybankard Balance Transfer Program
Save on your credit card bills with lower interest rates, choose the plan that meets your need, and enjoy a longer repayment period of up to 36 months.


Enter the world of high net worth that is rich with benefits and privileges with Maybank 2 Cards Premier - only for the affluent. 

With a single credit card application, you will get Maybank 2 Cards Reserve American Express Card and Maybank 2 Premier credit card as complementary, with both cards sharing one statement.

Maybank 2 Cards Premier - Higher TreatsPoints, More Redemption!

With great power comes great responsibility, and gratification indeed! Where else to spend your hard-earned money if not on something you value?

Swipe away your Maybank 2 Cards Reserve American Express Card because, with every RM1 spent on retail locally and overseas, you will get 5x TreatsPoints. 

But hang on! You can easily earn 10,000 TreatsPoints just by activating your Maybank 2 Cards Premier. 

Also, for each spends on petrol, utilities, education and insurance with your Reserve AMEX card, you will earn 1x TreatsPoints. 

It is easy to collect TreatsPoints and before you know it, you have accumulated more than enough to redeem with other benefits or convert to AirMiles.

Air Miles Redemption

Want to exchange your Maybank TreatsPoints for frequent flyer miles for cheaper flights?

You won't break a sweat when collecting TreatsPoints with your Reserve AMEX credit card.

All you need is 5,000 TreatsPoints to redeem 1,000 Enrich Miles from Malaysia Airlines or Krisflyer Miles from Singapore Airlines or Asia Miles. How much do you need to spend? 

That's roughly RM900 spent on your credit card - you can easily pile up on those points within a few weeks or months!

5x Airport Lounges Worldwide with Maybank 2 Cards Premier

Maybank 2 Cards Premier shows you just how to travel like a royal or CEO.

Pay for your travel fares with Maybank 2 Cards Reserve American Express Card and enjoy the convenience and privacy of Plaza Premium Lounge for free five times in a year. 

Should you have exceeded the complimentary access, you can still enjoy 20% savings from the published walk-in rate and get 20% more savings when you bring one or more guests to the lounges.

Dining and Hotel Privileges

Enjoy up to 50% savings on food and beverages with Maybank 2 Cards Premier at the Shangri-La Kuala Lumpur, as well as at Marriott Bonvoy participating hotels and resorts in Malaysia.

Bear in mind that the dining deals are valid until 31 December 2022 for both Shangri-La and Marriott Bonvoy.

If you are a frequent traveller, you can take full advantage of both Reserve AMEX and Premier credit cards with excellent savings on hotel rooms.

Golf Privileges from Maybank 2 Cards Premier

Get complimentary green fees for Maybank 2 Cards Premier members to play at over 79 prestigious golf clubs in 15 countries, including 17 clubs in Malaysia. 

You'll get unlimited rounds at all Malaysian and overseas golf clubs, including a 10% discount for all your guests. 

Applicable for both principal and supplementary credit card members.

Free Travel Insurance

When you charge your travel arrangements with your credit card, you will be instantly given complimentary Accidental Death and Disablement coverage for up to RM1 million. 

A Travel Inconvenience cover is also provided for when you've missed a flight, or when your luggage is delayed or lost.

Maybank Credit Card Promotions

If you want to reap the benefits of Maybank credit card privileges, then you are on the right track as you can discover a wide range of exclusive deals, discounts and promotions from shopping, dining, and travel to beauty & health, entertainment and credit facilities!

To find out more, just head over to Maybank's promotions webpage, which houses more than 100 items that you can cross off of your wish lists!

Maybank 2 Cards Premier Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (p.a.)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers 18%

Previously, the finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

The finance charge is now based on the prevailing tiered interest rate (above) that will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fees and Charges include:

  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of the miscellaneous fee (if any) EXCEPT Late Payment Charges

A Late Payment Charge of 1% will be imposed if the minimum payment is not made by the payment due date. 

This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change on Maybank 2 Cards Premier Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact, you will continue to enjoy a 20 days interest-free period, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product