Maybank American Express Cash Back Gold

Grocery shopping and retail therapy will never be dull again with Amex. Enjoy 5% welcome rebate and unlimited cashback every month, plus dining privileges and savings up to 50%!

15% p.a. interest rate
20 days interest-free period
up to 1.5% cashback
0% p.a. balance transfer over 12 months
Easy Payment Plan (EPP)
RM70.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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2017-06-082018-12-31

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

Earn unlimited cashback when you swipe any amount on retail transactions, locally and overseas.

Discover how much you can save when you shop with your new Maybank American Express Cash Back Gold
Cashback Category		Cashback Rate	Monthly Cap	Spend
All overseas retail spending	Spendany amount monthly	1.5%	uncapped	any amount monthly
All local retail spending	Spendany amount monthly	1%	uncapped	any amount monthly

Balance Transfer

Your credit card debt making you toss and turn at night? Maybank Balance Transfer offers interest rates as low as 0% p.a. and repayment terms of up to a maximum of 36 months - that's ample time for you to get your finances in tip-top shape!

Pay Over	With Interest Rate At	When You Transfer
6 months	6% p.a. and no one-time upfront handling fee	from RM1000
9 months	9% p.a. and no one-time upfront handling fee	from RM1000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM1000
24 months	4.5% p.a. and no one-time upfront handling fee	from RM2000
36 months	4.95% p.a. and no one-time upfront handling fee	from RM2000

Learn more about Maybankard Balance Transfer Program

Easy Payment Plan (EPP)

Maybank EzyPay offers payment terms up to 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt to Maybank EzyPay Plus for low rates instalment of up to 24 months. No penalty fee for early payment.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM50
6 months	0% p.a. and no one-time upfront handling fee	from RM50
12 months	0% p.a. and no one-time upfront handling fee	from RM50
18 months	0% p.a. and no one-time upfront handling fee	from RM50
24 months	0% p.a. and no one-time upfront handling fee	from RM50
36 months	0% p.a. and no one-time upfront handling fee	from RM50

Learn more about Maybankard EzyPay

Pay Over	With Interest Rate At	When You Spend
6 months	9% p.a. and 0% one-time upfront handling fee	from RM500 up to RM30000
12 months	9% p.a. and 0% one-time upfront handling fee	from RM1000 up to RM30000
18 months	9% p.a. and 0% one-time upfront handling fee	from RM3000 up to RM30000
24 months	9% p.a. and 0% one-time upfront handling fee	from RM5000 up to RM30000

Learn more about Maybankard EzyPay PLUS

Premium: Enjoy up to 50% savings on foods and beverages at SPG Hotels and Resorts in Malaysia.

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM70.00

First year free for Principal cardholder
First year free for 2 Supplementary Cards

Annual Fee for Supplementary Card

RM45.00

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

Minimum monthly payment

RM25 or 5% of outstanding amount

Late payment fee

RM10 or 18% of outstanding amount, up to a maximum of RM100

Cash withdrawal fee

RM10.00 or 5.00% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Requirements

Are you eligible for this credit card?

Minimum annual income: RM30000
Minimum age for primary card holder: 21 years old
Maximum age for primary card holder: 65 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Malaysians Only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: Maybankard EzyPay; Maybankard EzyPay PLUS; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Cash Advance / Cash Loan: Maybankard Cash Treats; Maybankard EzyCash; Cash Advance is a loan against the credit limit of your card at a reasonable rate.

Balance Transfer: Maybankard Balance Transfer Program; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Maybank American Express Cash Back Gold review

What's so good (or not so good) about it?

If you love the idea of getting your money back after spending any amount, any day on any retail items with your credit card, Maybank will make your wish come true with its brand new American Express Cash Back Gold credit card.

Unlimited Cashback!

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 with an unlimited cashback on any 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.

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!

Dining Discounts

More savings when you apply for Maybank AMEX Cash Back Gold credit card as you can get attractive discounts on dining at selected SPG Hotels & Resorts in Malaysia. If you want to celebrate anniversary with your significant other, you can enjoy 50% savings on fine dining for two.

Brings more people up to 10 pax, you will save 40% off your total dining bills. Isn't that such a joy of life?

0% Flexi Payment Plan

Don't sweat on the big number as you can convert your big purchase into smaller instalment amount up to 24 months at 0% interest rate with Maybank EzyPay.

If you want the flexibility of repaying the instalment over 36 months, just apply for Maybank EzyPay Plus and pay lower interest rate over the instalment period.

That's not all, you can settle your outstanding balance off anytime before the end of your tenure under both easy payment plans at zero cost!

Zero to Low Annual Fee

Anyone with a minimum monthly income of RM2,500 can apply for Maybank American Express Cash Back Gold credit 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 for you.

The first-year annual fee waiver is also extended to your first two supplementary cardholders.