Unlimited Cash Back!
If you love the idea of getting your money back after spending any amount, any day on any retail item with your credit card, Maybank will make your wish come true with its brand new American Express Cash Back Gold credit card.
Enjoy unlimited cashback with Maybank American Express Cash Back Gold!
Cashback or cash rebate is a form of incentive whereby you are entitled to receive a cash refund on your credit card for purchasing a product or service.
The new Maybank American Express Cash Back Gold credit card promises to award you unlimited cashback on eligible retail purchases.
When you spend with Maybank American Express Cash Back Gold locally, you will earn 1% cashback, whereas, for transactions made overseas, you will get 1.5% cashback.
However, certain transactions are not eligible for the said cashback which you can find out more about in the T&C here.
The best thing about this Maybank American Express Cash Back Gold is that there is no minimum spending requirement to receive cashback, and there is no limit as to the amount of cashback you can get in a month!
0% EzyPay Instalment Plans
Don't sweat on the big number as you can convert your big purchase into a smaller instalment amount up to 24 months for as low as a 9% interest rate with Maybank EzyPay Plus.
If you want the flexibility of repaying the instalment over 36 months, just apply for Maybank 0% EzyPay and pay zero interest rates over the instalment period.
That's not all, you can settle your outstanding balance anytime before the end of your tenure under both easy payment plans at zero cost!
Zero to low annual fees
Any Malaysian with a minimum monthly income of RM2,500 or RM30,000 annually can apply for a Maybank American Express Cash Back Gold credit card.
Meanwhile, if you're an expatriate, you must earn a minimum monthly income of RM5,000 or RM60,000 per year to be eligible to apply for this card.
For the first year of card membership, you don't have to worry about paying the annual fee of RM70 (exclusive of GST) as Maybank will waive it for you.
The first-year annual fee waiver is also extended to your first two supplementary cardholders.
What is the interest rate of Maybank American Express Cash Back Gold?
The interest rate is between 15% per annum to 18% per annum depending on the condition of your repayments. They are illustrated below.
| 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.
The changes made on this 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 American Express Cash Back Gold carried forward from the previous month's statement cycle are paid in full.
What are the required documents to make an application?
To apply as a 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 (you must hold a Maybank account):
- Copy of IC (both sides) or Passport
- Form B/Latest EA form
- Copies of Business Registration Certificate/Trading License/Form 9, Form 24, Form 49
- Latest 6 months personal/company bank statement
To apply for a supplementary card, please prepare a copy of the cardholder's IC (both sides) or Passport.
