Maybank American Express Cash Back Gold credit card

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)
  • RM74.20 annual fee

The Perfect Card for You. Get a Free Halogen Oven Cooker

Get a Free Halogen Oven Cooker with your New Maybank Credit Card

XpressApply by RinggitPlus

XpressApply will help you get approved faster! No wait for call, no forms to fill in, just sign and send.

Start XpressApply
XpressApply view in full screen
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Enjoy 5% welcome rebate for first 3 months of Maybank American Express Cash Back Gold credit card membership, capped at RM100. 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 CategoryCashback RateMonthly CapSpend
All overseas retail spendingSpendany amount monthly1.5%uncappedany amount monthly
All local retail spendingSpendany amount monthly1%uncappedany 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 OverWith Interest Rate AtWhen You Transfer
6 months6% p.a. and no one-time upfront handling feefrom RM1000 
9 months9% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
36 months4.95% p.a. and no one-time upfront handling feefrom 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 OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM50 
6 months0% p.a. and no one-time upfront handling feefrom RM50 
12 months0% p.a. and no one-time upfront handling feefrom RM50 
18 months0% p.a. and no one-time upfront handling feefrom RM50 
24 months0% p.a. and no one-time upfront handling feefrom RM50 
36 months0% p.a. and no one-time upfront handling feefrom RM50 
Learn more about Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months6.96% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months7.92% p.a. and 0% one-time upfront handling feefrom RM1000 up to RM30000
18 months9% p.a. and 0% one-time upfront handling feefrom RM3000 up to RM30000
24 months9% p.a. and 0% one-time upfront handling feefrom 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
RM74.20
  • First year free for Principal cardholder
  • First year free for 2 Supplementary Cards
Annual Fee for Supplementary Card
RM47.70
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
RM10.60 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

All fees & charges are inclusive of 6% GST if applicable

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! 

To top it off, Maybank will also reward you with generous 5% welcome cashback (capped at RM100 per cardmember) for activating your new AMEX Cash Back Gold credit card within the first 3-month of Card Membership. This perk, however, is not open to existing Maybank customers.

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.

Read More