Maybank American Express Cash Back Gold

Grocery shopping & retail therapy will never be dull again with Amex. Enjoy an unlimited cashback on local & overseas spending, plus save up to 50% on dining.

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

Cashback

Earn unlimited cashback when you swipe any amount on retail transactions, locally and overseas. From now until 30 September 2021, get rewarded with RM200 cashback when you apply for Maybank AMEX credit cards online. Terms and conditions apply. For more details, check out review below!

Cashback categoryCashback rateMonthly capSpend
All overseas retail spending1.5%uncappedany amount monthly
All local retail spending1%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 months0% p.a. and 1.88% one-time upfront handling feefrom RM1,000
9 months9% p.a. and no one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% 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 to Maybank EzyPay Plus for low rates instalment 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 feeRM50
6 months0% p.a. and no one-time upfront handling feeRM50
12 months0% p.a. and no one-time upfront handling feeRM50
18 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
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 RM500 to RM30,000
12 months9% p.a. and no one-time upfront handling feefrom RM500 to RM30,000
18 months9% p.a. and no one-time upfront handling feefrom RM3,000 to RM30,000
24 months9% p.a. and no one-time upfront handling feefrom RM5,000 to RM30,000
Learn more about Maybankard EzyPay PLUS

Fees & Charges

Annual Fee
  • RM70 primary card

    First year free for Principal cardholder

    First year free for 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  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Maybankard EzyPay
EzyPay is, well, easy: a 0% interest installment plan which lets you spread your payments over 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 at 0% interest with 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 need, and enjoy a longer repayment period of up to 36 months

Review

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.