Maybank American Express Gold credit card

Also available as MasterCard

Maybank American Express Gold

Everyday is more rewarding when you don't have to pay any extra. Enjoy a low finance charge on outstanding balance, up to 5x Membership Reward Points and never pay an annual fee.

  • 9% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 5x reward points 
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Rewards
5x Membership Rewards points for every Ringgit spent on groceries and at Cathay Cineplexes. Not to forget bookstores such as Kinokuniya, Borders, Times and MPH. 2x Membership Rewards points for all spend elsewhere. You also get 1x point on the payment for utilities, petrol, education, insurance, EzyPay and EzyPay Plus.
American Express Membership Rewards
EarnSpent
5 points on every RM1on groceries, select cinemas, participating bookstores and telecommunication charges
2 points on every RM1on all retail
1 point on every RM1on petrol, utilities, education, insurance and EzyPay Instalment
Rewards points earned never expires
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 months6% p.a. and no one-time upfront handling feefrom RM1000 
9 months9% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
36 months4.95% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about Maybankard Balance Transfer Program
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM50 
6 months0% p.a. and no one-time upfront handling feefrom RM50 
12 months0% p.a. and no one-time upfront handling feefrom RM50 
18 months0% p.a. and no one-time upfront handling feefrom RM50 
24 months0% p.a. and no one-time upfront handling feefrom RM50 
36 months0% p.a. and no one-time upfront handling feefrom RM50 
Learn more about Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months6.96% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months7.92% p.a. and 0% one-time upfront handling feefrom RM1000 up to RM30000
18 months9% p.a. and 0% one-time upfront handling feefrom RM3000 up to RM30000
24 months9% p.a. and 0% one-time upfront handling feefrom RM5000 up to RM30000
Learn more about Maybankard EzyPay PLUS
Petrol
Pump petrol at any petrol stations and earn 1x TreatPoint with Maybank American Express Gold.
Travel
Help is never far away with medical, legal and financial emergency assistance at your disposal only a call away. Additionally, you will get referrals to embassies, consulates, medical services and legal counsel if you find yourself in a tight spot overseas. Yikes!
Travel CoverageSum Insured
Personal AccidentUp to RM500000
Low Interest Rate
Enjoy a low Finance Charge of 9% p.a. on your outstanding retail balance. That's way below the normal credit card interest rate charge for other banks, which can range up to a high of 18% p.a. If you're not one to pay your debts on time, go with Maybank!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM25 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM10.60 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM30000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Maybankard EzyPay
Maybankard EzyPay PLUS
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Maybankard Cash Treats
Maybankard EzyCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Maybankard Balance Transfer Program
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Maybank American Express Gold review

What's so good (or not so good) about it?

Looking for a credit card to reward ALL your untamed and extravagant spending habits? Then Maybank American Express Gold Credit Card might be what you’ve been trying to hunt for. But what makes this credit card so appealing? Read on for our detailed breakdown of the Maybank AMEX Gold.

Awesome Reward Points

Maybank American Express Gold Credit Card is offering 5x Membership Rewards Points when you spend on groceries, Cathay cineplexes and bookstores. Keep in mind that these rewards points are only valid for participating bookstores; Kinokuniya, Borders, Times and MPH. 

Because your points don't expire, you can accumulate and redeem your rewards at your leisure. Besides that, you can also get your 1x rewards point on the other payment - utilities, petrol, education, insurance, EzyPay and EzyPay Plus.

Dining and Hotel Privileges

If you fancy Italian feasts or excellent wine at 5-Star hotels such as The Westin, La Meridien and what's not, you will be surprised to know that your Maybank AMEX Gold card is entitled to up to 50% discount on foods and beverages at selected SPG Hotels & Resorts in Malaysia. 

Plus, the more the merrier - the discount also applies when you bring along a maximum of 10 people, whether it is for a turning-of-age party, bachelor party or tea party.

Low Down on Fees and Charges

American Express Gold Credit Card is what we like to call unique where you can enjoy lifetime fee waiver. This means that you don't have to pay an annual fee (it's free!). Usually banks offer 1st fee waiver only when you sign up for a credit card. 

So this is a good news for you! In addition, no matter whether you are the primary cardholder or supplementary cardholder you are entitled to enjoy these benefits.

Eligibility

Firstly, of course you must be a Maybank account holder to be eligible for this credit card. This application is open to all Malaysian individuals who has a minimum annual income of RM30,000.

If you are principal cardholders then your aged must be between 21 to 65 years old but if you are supplementary cardholder who aged 18 to 65 years old, you are qualified for this credit card.

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