Maybank American Express Cash Back Gold

Grocery shopping and retail therapy will never be dull again with Amex because you get to enjoy unlimited cashback on both local and overseas spending.

Maybank American Express Cash Back GoldUnlimited Cash Back!
Min. Income
RM2,500/month
Annual Fee
Free*
Cashback
up to 1.5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Earn unlimited cashback when you swipe any amount on retail transactions, locally and overseas. Transactions such as e-wallet reloads, JomPay or FPX payments and other certain transactions are not eligible for the cashback. Check out our Review below to view the cashback terms and conditions.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
All overseas retail spending1.5%uncappedany amount monthly
All local retail spending1%uncappedany amount monthly

Balance Transfer

Is 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 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 up to 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt for Maybank EzyPay Plus for low rates instalments of up to 24 months. No penalty fee 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
  • RM70 primary card

    First year free for principal/primary card and 2 supplementary cards

  • RM45 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
18%

Requirements

Minimum Annual Income
RM30,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians and Expatriates

Features

Easy Payment Plan
Maybankard EzyPay
EzyPay is, well, easy: a 0% interest instalment plan that lets you spread your payments up to 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!
Maybankard EzyCash
Instant cash from 0% interest with a minimum loan amount of RM2,000. Refurbish your home, pay for your insurance or simply pay your outstanding bills.
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.

Review

Unlimited Cashback on Everyday Spendingn with Maybank American Express Cash Back Gold Card

If you're looking for a credit card with high cashback rewards and low fees, the Maybank American Express Cash Back Gold Card might be the perfect fit. This card is designed to reward frequent spenders with cashback on essential purchases, making it ideal for those who want to stretch their ringgit further on daily expenses.

Why Choose the Maybank American Express Cash Back Gold Card?

This card stands out for its straightforward cashback structure and cost-saving features, making it a great option for first-time credit card users and budget-conscious spenders.

  • 1% cashback on local spending – Earn back on your everyday expenses in Malaysia.
  • 1.5% cashback on overseas spending – Save more when you travel or shop online in foreign currencies.
  • Annual fee waiver for the first year – Get the first-year annual fee waived for the principal card and up to 2 supplementary cards.
  • Complimentary travel insurance – Get free travel coverage when you charge your flight tickets to this card, adding peace of mind for frequent travelers.
  • Flexible payment plans – Convert large purchases into affordable monthly installments with Maybank’s EzyPay and EzyPay Plus.
  • Balance Transfer Plan – Consolidate your outstanding credit card debts from other banks into this card at lower interest rates for easier repayments.

Pro Tip:Use this cardfor local and overseas spending to maximize your cashback potential. If you shop online in foreign currencies, the 1.5% cashback rate makes it a solid option.

Cashback Breakdown & Spending Perks

Spending CategoryCashback Rate
Local Spending
1%
Overseas Spending1.5%
  • Cashback is automatically credited to your statement, reducing your monthly credit card bill.
  • No complicated categories to track, just earn cashback on everything you spend.

Pro Tip: If you frequently travel or shop online in foreign currencies, this card ensures you get better rewards on those transactions.

Additional Benefits & Features

  • Complimentary Travel Insurance – Charge your full airfare to the card and get up to RM500,000 in travel accident insurance.
  • Worldwide Acceptance – Use the card at millions of merchants globally with the backing of American Express.
  • Secure Transactions – Comes with EMV chip security and contactless payment options for added convenience.
  • Flexible Repayment Options – Convert big purchases into interest-free installment plans up to 36 months with EzyPay.
  • Zero Interest Installments with EzyPay– Make purchases at selected merchants and repay over 6, 12, 24, or 36 months with 0% interest.
  • EzyPay Plus– Convert transactions of RM500 and above into fixed monthly installments at a lower interest rate.

Pro Tip: If you frequently travel, the complimentary insurance and global acceptance make this card a solid companion for both local and international trips.

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.

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