Maybank 2 Gold Cards

Pay no annual fees for your American Express and MasterCard or Visa. Extra rewards with AMEX, 5x TreatsPoints on all retail and 5% cashback on weekend spends!

Maybank 2 Gold Cards5% Weekend Cashback!
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Spend any amount on the weekends, and get 5% cashback on all spending locally or abroad charged to your Maybank 2 American Express Card, capped at RM50 per month per principal cardholder.

All Local and Overseas Spending With Maybank 2 American Express Card (Weekends)5%RM50any amount on weekends only


5x TreatsPoints for all weekday spending on your Maybank 2 American Express Card. You can also earn 1x TreatsPoint on all your spending with MasterCard or Visa. The accumulated TreatsPoints can be redeemed with gifts, vouchers and air miles (20,000 TreatsPoints are equivalent to 1,000 Enrich/KrisFlyer/Asia Miles).

Maybank TreatsPoints
5 points on every RM1on all retail spend on weekdays with Maybank 2 American Express Card, including petrol (capped at RM500 per transaction)
1 point on every RM1on all retail spend (local and abroad) with Maybank 2 MasterCard or Visa
1 point on every RM1on utilities, education, insurance and EzyPay Instalment


Swipe on petrol during the weekdays, and get 5x TreatsPoints (capped at RM500 per transaction, and if exceeded RM500, you'll earn 1x TreatsPoints instead) with your American Express Card or 1x TreatsPoints every day with your Maybank 2 MasterCard or Visa.

Balance Transfer

Maybank Balance Transfer Program offers interest rates from 0% and payment terms of up to 36 months with a minimum transfer amount of RM1,000. This way, you will be able to clear all your outstanding debts in no time.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
9 months9% p.a. and no one-time upfront handling feefrom RM1,000
12 months12% p.a. and no 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 of up to 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt for Maybank EzyPay Plus for instalments up to 24 months and low-interest rates. No penalty for early payment.

Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM1,000
6 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
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
  • RM0 primary card

    Free for life

  • 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!
Balance Transfer Plans
Maybankard Balance Transfer Program
Save on your credit card bills with lower interest rates, choose the plan that meets your needs and enjoy a longer repayment period of up to 36 months.


Unleash the power of two with Maybank 2 Gold Cards - with only a single application for Maybank 2 Gold Cards, you will receive a complimentary Maybank 2 MasterCard or Visa.

Maybank 2 Gold Cards - 5% Weekend Cashback

You heard it right. Maybank's 5% Weekend Cash is back to give you more reasons to swipe your American Express card. 

Spend any amount on retail purchases (except for government bodies and utilities) every Saturday and Sunday, whether in Malaysia or abroad, the cashback is yours.

The cash rebate will be automatically credited to your credit card account and reflected in the following statement date, subject to a capping of RM50 per month per principal cardholder, or RM600 per year. 

Remember, only retail transactions qualify for this cashback. 

Other non-retail transactions such as EzyCash, EzyPay, EzyPay Plus, Cash Treats, Cash Advance and Balance Transfer are not eligible. Click here to view the cashback T&C.

TreatsPoints for treats

Not a fan of a pun? You should be because every time you spend with your Maybank 2 Gold Cards, locally or overseas, you will get 5x TreatsPoints for every RM1 spent on weekdays. 

Meanwhile, for every RM1 spent with your Maybank AMEX card on Education, Insurance, Utilities and EzyPay Instalment, you will earn 1x TreatsPoints.

On that note, for every RM1 charged to your Maybank 2 MasterCard or Visa, you will get 1x TreatsPoints.

Your supplementary cardholders are also entitled to the TreatsPoints feature, but only principal cardholders can make a redemption. 

Isn't that a trick or TreatsPoints? Click here to view the T&C.

Maybank 2 Gold Cards TreatsPoints Redemption

How to redeem your Maybank TreatsPoints? There are easy ways you can go about redeeming your Maybank TreatsPoints:

  1. Take your time flipping through the TreatsPoints e-Catalogue at Maybank's website, then drop a line to Maybank Customer Service at 1300 88 6688; or
  2. Download and complete the TreatsPoints redemption form and fax it to 03 7953 8685; or
  3. Walk into Maybank Card Centre in Menara Maybank, 1 Utama Shopping Centre, Suria KLCC and The Gardens Mall.

Maybank Credit Card Promotions

There are a host of benefits of owning a Maybank 2 Gold Card, apart from earning cashback and TreatsPoints. 

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!

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!

Cash Facilities 

Stop stressing over the mountain of credit card debts and turn to the Maybank Balance Transfer Program for easy management of your outstanding debts from other credit cards, subject to a credit limit.

Besides, you can convert high-priced purchases into flexible instalment payments via Maybank EzyPay for up to 36 months or EzyPay Plus for up to 24 months at low interest rates.

That's not all. You can also step up your purchasing power to commensurate with your ever-changing lifestyle by applying to increase your credit card limit.

Maybank 2 Gold Cards Finance Charge

What is the interest rate imposed on repayments?

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

Previously, the finance charge was only imposed on the below that were 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 balances including all fees and charges (except late payment charges).

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

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 the Finance Charge will not have any impact if you do not have any unpaid outstanding balance. 

You will continue to enjoy a 20-day interest-free period, provided that the outstanding balances of your Maybank 2 Gold Cards are carried forward from the previous month's statement cycle and are paid in full.

No Annual Fee

The best thing you can get from these Maybank credit cards is that you don't have to pay annual fees for both AMEX, MasterCard/Visa cards.

Who else would willing to give out a bundled credit card that hosts a slew of benefits for free? Go figure.

Am I eligible to apply and what are the required documents?

If you're a Malaysian who owns a Maybank account and is earning a minimum annual income of RM30,000, you are eligible to apply for this credit card. If you're an expatriate, you need to have a minimum annual income of RM60,000 and own a Maybank account to be eligible.

To apply as the principal cardholder, please prepare the following documents accordingly.

For salaried employees:

  • Copy of IC (both sides) or Passport
  • Latest 3 months salary slips
  • Latest 6 months savings account activity/current account statement

For self-employed:

  • Copy of your IC (both sides) or Passport
  • Copies of Business Registration Certificates/Trading License/Form 9, Form 24, Form 49
  • Form B/Latest EA form
  • Latest 6 months personal/company bank statement

For expatriates:

  • Letter from employer confirming duration of employment contract in Malaysia

To apply for a supplementary card, please prepare a copy of the cardholder's IC (both sides) or Passport.

Maybank Online Acquisition 2024 Credit Cards Campaign

From 1 May 2024 until 31 July 2024 (“Campaign Period”), be the first 300 eligible customers (first 100 eligible customers per card scheme every month) throughout the Campaign Period to grab an RM100 cashback prize. Terms and conditions apply!

Here’s an illustration of the campaign mechanics:

Card Scheme Rewards Spend Criteria Campaign Period
Maybank/Maybank Islamic Visa Cards
RM100 Cashback

(capped at the first 100 eligible customers per card scheme every month) 

Minimum retail spend of RM300 within the first 45 days from card approval date  1 May 2024 - 31 July 2024
Maybank/Maybank Islamic Mastercard Cards
Maybank/Maybank Islamic American Express Cards

To be eligible for the prize, you must be either:

  • New-to-bank individuals or
  • Existing customers of Maybank who are a resident of Malaysia aged 21 years at the time of applying and have yet to own any existing Visa, Mastercard or American Express principal credit cards issued by Maybank/Maybank Islamic

If you fall under the mentioned eligibility criteria, here are the steps to take part in this campaign:

  • Make an online application for any one of the eligible credit cards (or more) via the Maybank2u website or the MAE App within the Campaign Period
  • Complete the e-application form and upload all the required supporting documents
  • Wait for approval from the bank
  • Once approved, perform a minimum retail spend of RM300 within the first 45 days from the card’s approval date to be eligible

Individuals who are not eligible to participate in this campaign include:

  • Permanent and/or contract employees of Maybank (including its subsidiaries and related companies);
  • Any Eligible Customer who had cancelled any of his/her Maybank Credit Card within six (6) months before the date of application and is reapplying for another Maybank Credit Card under the Campaign;
  • Present holders of any Maybank Credit Card(s) whether issued in Malaysia or otherwise; and/or
  • Any Eligible Customer who has committed or is suspected of committing any misconduct, fraudulent, wrongful acts or in default and breach of terms to their account(s), any facility, and/or any services granted by Maybank.

If you require any help or enquiries regarding this campaign, please read through the T&C here or contact Maybank’s Customer Care Hotline at 1-300-88-6688 or +603 7844 3696.

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