Unlimited Cash Back!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.
Maybank Online Acquisition 2021 Credit Cards Campaign
Starting now until 31 December 2021, apply online via Maybank2U for any participating Maybank credit card(s) and increase your chances to bring home exciting rewards.
To participate in this campaign, you must be new-to-bank customers. Or if you already are an existing customer of either Maybank or Maybank Islamic Berhad who are residents of Malaysia, and do not own any Principal or Supplementary Maybank Credit Card yet, you are eligible to apply.
There are three (3) campaigns involving different Maybank card schemes. Below are the campaign mechanics. Terms and conditions apply.
Campaign 1: Maybank Visa, Mastercard and American Express Online Acquisition Campaign
| Card Scheme | Rewards | Spend Criteria | Campaign Period |
| Maybank Visa Cards | JBL Quantum 100 Wired Over-Ear Gaming Headset with Flip-up Mic | Minimum RM300 retail spend within the first 45 days from the card’s approval date | Now until 31 December 2021 |
| American Express Cards | Realme Buds Air 2 Neo | ||
| Maybank Mastercard | Huawei Band 4 |
Campaign 2: American Express Online Acquisition Cash Back Campaign
| Card Scheme | Rewards | Spend Criteria | Campaign Period |
| American Express Cards | Huawei Band 4 (Campaign 1) | Minimum RM300 retail spend within the first 45 days from the card’s approval date | Now until 31 December 2021 |
| RM100 Cash Back | Now until 31 March 2022 |
Campaign 3: Maybank Visa, Mastercard and American Express Online Acquisition Supplementary Cards Campaign
| Card Scheme | Rewards | Spend Criteria | Campaign Period |
| Maybank Visa Supplementary Cards | RM50 Cash Back | Minimum RM100 retail spend within the first 30 days from the card’s approval date | Now until 31 January 2022 |
| American Express Supplementary Cards | |||
| Maybank Mastercard Supplementary Cards |
| Card Scheme | Rewards | Spend Criteria | Campaign Period |
| Maybank Visa Gold Manchester United Supplementary Card | A pair of Manchester United mask | Minimum RM300 retail spend within the first 45 days from the card’s approval date | Now until 31 January 2022 |
| Maybank Manchester United Visa Infinite Supplementary Card | |||
| Maybank GRAB Mastercard | RM50 Grab Food Voucher |
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 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!
0% Flexi Payment Plan
Don't sweat on the big number as you can convert your big purchase into a smaller installment amount up to 24 months at 0% interest rate with Maybank EzyPay.
If you want the flexibility of repaying the installment over 36 months, just apply for Maybank EzyPay Plus and pay lower interest rates over the installment 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.
Maybank American Express Cash Back Gold Finance Charge
What is the interest rate imposed on repayments?
| Conditions of Repayments | Tiered Interest Rate (Per Annum) |
| Prompt Repayment every month | 15% |
| Prompt Repayment 10 out of 12 months | 17% |
| Prompt Repayment less than 10 out of 12 months AND New Cardmembers | 18% |
Previously, the finance charge is only imposed on the below that are 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 balance including All Fees and Charges (except late payment charges).
These are carried forward from the previous statement until the outstanding balances are settled in full.
All Fees and Charges includes:
- Annual Fee
- Cash Advance Fee
- Card Replacement Fee
- Statement Copy Fee
- Sales Draft Retrieval Copy Fee
- Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges
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.
This change on Finance Charge will not have any impact if you do not have any unpaid outstanding balance.
In fact, you will continue to enjoy a 20 days 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.
