Unlimited Cash Back!
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 Category | Cashback Rate |
| Local Spending | 1% |
| Overseas Spending | 1.5% |
- 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.
