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

Get a FREE
JBL BAR 5.1
worth RM2799
when you apply through RinggitPlus *

JBL BAR 5.1

Our Previous Winners

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 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 needs 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 item with your credit card, Maybank will make your wish come true with its brand new American Express Cash Back Gold credit card.

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 unlimited cashback on eligible 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. 

However, certain transactions are not eligible for the said cashback which you can find out more about in the T&C here.

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% EzyPay Instalment Plans

Don't sweat on the big number as you can convert your big purchase into a smaller instalment amount up to 24 months for as low as a 9% interest rate with Maybank EzyPay Plus. 

If you want the flexibility of repaying the instalment over 36 months, just apply for Maybank 0% EzyPay and pay zero interest rates over the instalment period. 

That's not all, you can settle your outstanding balance anytime before the end of your tenure under both easy payment plans at zero cost!

Zero to low annual fees

Any Malaysian with a minimum monthly income of RM2,500 or RM30,000 annually can apply for a Maybank American Express Cash Back Gold credit card. 

Meanwhile, if you're an expatriate, you must earn a minimum monthly income of RM5,000 or RM60,000 per year to be eligible to apply for this 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 it for you.

The first-year annual fee waiver is also extended to your first two supplementary cardholders.

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.

Maybank Online Acquisition 2024 Credit Cards Campaign

From 1 May 2024 until 31 July 2024 (“Campaign Period”), be the first 300 eligible customers (first 100 eligible customers per card scheme every month) throughout the Campaign Period to grab an RM100 cashback prize. Terms and conditions apply!

Here’s an illustration of the campaign mechanics:

Card Scheme Rewards Spend Criteria Campaign Period
Maybank/Maybank Islamic Visa Cards
RM100 Cashback

(capped at the first 100 eligible customers per card scheme every month) 

Minimum retail spend of RM300 within the first 45 days from card approval date  1 May 2024 - 31 July 2024
Maybank/Maybank Islamic Mastercard Cards
Maybank/Maybank Islamic American Express Cards

To be eligible for the prize, you must be either:

  • New-to-bank individuals or
  • Existing customers of Maybank who are a resident of Malaysia aged 21 years at the time of applying and have yet to own any existing Visa, Mastercard or American Express principal credit cards issued by Maybank/Maybank Islamic

If you fall under the mentioned eligibility criteria, here are the steps to take part in this campaign:

  • Make an online application for any one of the eligible credit cards (or more) via the Maybank2u website or the MAE App within the Campaign Period
  • Complete the e-application form and upload all the required supporting documents
  • Wait for approval from the bank
  • Once approved, perform a minimum retail spend of RM300 within the first 45 days from the card’s approval date to be eligible

Individuals who are not eligible to participate in this campaign include:

  • Permanent and/or contract employees of Maybank (including its subsidiaries and related companies);
  • Any Eligible Customer who had cancelled any of his/her Maybank Credit Card within six (6) months before the date of application and is reapplying for another Maybank Credit Card under the Campaign;
  • Present holders of any Maybank Credit Card(s) whether issued in Malaysia or otherwise; and/or
  • Any Eligible Customer who has committed or is suspected of committing any misconduct, fraudulent, wrongful acts or in default and breach of terms to their account(s), any facility, and/or any services granted by Maybank.

If you require any help or enquiries regarding this campaign, please read through the T&C here or contact Maybank’s Customer Care Hotline at 1-300-88-6688 or +603 7844 3696.

Search Icon

Get the financial support you need

Featurebox

We’ll guide you through your application for this financial product