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 & 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

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Spend any amount on Saturdays and Sundays and get 5% cashback on all spending (except for government bodies and utilities) charged to your Maybank 2 American Express Gold cards, capped at RM50 per month. From now until 30 September 2021, get rewarded with RM300 cashback when you apply for Maybank 2 Gold (Mastercard + AMEX) credit cards online. Terms and conditions apply. For more details, check out review below!

Cashback categoryCashback rateMonthly capSpend
All Local and Overseas Spending5%RM50any amount on weekends only


5x TreatsPoints for all weekday spend on your Maybank 2 American Express Card. You can also earn 1x TreatsPoints on all your spending with MasterCard or Visa.

Maybank TreatsPoints
5 points on every RM1on all retail with Maybank 2 American Express Card (weekdays)
1 point on every RM1on utilities, education, insurance and EzyPay Instalment with Maybank 2 American Express Card
1 point on every RM1on all retail with Maybank 2 MasterCard or Visa


Swipe on petrol and get 5x TreatsPoints with your American Express Card or 1x TreatsPoints with your Maybank 2 MasterCard or Visa.


Love fine dining? Well you can get up to 50% savings on transaction made with your Maybank 2 American Express Card at SPG Hotels and Resorts in Malaysia. Plus, you get to share your epicurean taste with up to 10 people.

Balance Transfer

Maybank Balance Transfer Program offers interest rates from 0% and payment terms up to 36 months with a minimum transfer amount of 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 of up to 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt to Maybank EzyPay Plus for installment 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 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 RM500 to RM30,000
12 months9% p.a. and no one-time upfront handling feefrom RM500 to RM30,000
18 months9% p.a. and no one-time upfront handling feefrom RM3,000 to RM30,000
24 months9% p.a. and no one-time upfront handling feefrom RM5,000 to 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  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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 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.
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 need, 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 Credit Cards Campaign

From 1 July 2021 until 30 September 2021, apply online for any Maybank credit cards ranging from Visa, Mastercard and American Express (AMEX), and get rewarded with awesome gadgets and cashback!

Apart from new-to-bank customers, existing Maybank and Maybank Islamic customers who do not own any Maybank credit cards are eligible to participate in this campaign too. Terms and conditions apply.

As a reference, the table below shows what you will be getting for this campaign:

Card type Visa Mastercard AMEX
Reward 1: Cashback with a minimum spend of RM300 within the first 45 days from the card's approval date
Cashback RM100 cashback RM100 cashback RM200 cashback
Reward 2: Exclusive rewards to Top Spender throughout the campaign period
Gadgets Apple Airpods Pro Apple Smartwatch SE (40MM) Apple iPad 8th Gen (32GB and WIFI)
Limitation Limited to Top 50 spenders Limited to Top 50 spenders Limited to Top 50 spenders

Maybank 2 Gold Cards - 5% Weekend Cashback

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

Spend any amounts 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 into your credit card account and reflected in the following statement date, subject to a capping of RM50 per month, 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 welcomed.

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 and MasterCard or Visa cards.

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

TreatsPoints for treats

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

Interestingly, you can get 5x TreatsPoints on petrol transactions too. 

For Petrol transactions, the 5x TreatsPoints is capped at RM500 per transaction and any spending above RM500 will be awarded 1x TreatsPoint for every RM1 spend.

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, every RM1 charged to your Maybank 2 MasterCard or Visa, you will get you 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?

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 TreatsPoints e-Catalogue at Maybank's website, then drop a line to Maybank Customer Service at 1300 88 6688;
  2. or download and complete the TreatsPoints redemption form and fax it to 03 7953 8685;
  3. or 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 Cards, apart from earning cashback and TreatsPoints. 

You can discover a wide range of exclusive deals, discounts and promotions from shopping, dining, 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!

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 installment payments via Maybank EzyPay and EzyPay Plus for up to 24 months at low interest starting from 0%.

That's not all. You can also step up your purchasing power to commensurate 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 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 miscellaneous fee (if any) EXCEPT Late Payment Charges

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 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 of your Maybank 2 Gold Cards are carried forward from the previous month's statement cycle are paid in full.