Maybank American Express Platinum

Enjoy the VIP lifestyle at low finance charge of 9% p.a. with up to 5x Membership Reward Points and exclusive Platinum privileges on golf, dining and hotel.

Maybank American Express Platinum5x Reward Points
Min. Income
RM5,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

Earn Membership Reward Points for every Ringgit spent on all groceries, selected cineplexes, petrol, participating bookstores and telecommunication charges, utilities, education, EzyPay, insurance transactions, and retail shopping.

American Express Membership Rewards
EarnSpend
5 points on every RM1on groceries, selected cinemas, participating bookstores and telecommunication charges
2 points on every RM1on all local and overseas retail spends
1 point on every RM1on petrol, utilities, education, insurance and EzyPay Instalment

Travel

When traveling, expect immediate assistance over the phone anytime, anywhere and if you charge your travel fares to your card, you'll benefit from free Travel Personal Accident coverage of up to RM700,000. Got injured while hiking? Maybank can deal with your hospital bill.

Travel CoverageSum Insured
Travel InsuranceUp to RM700,000

Premium

Enjoy up to 50% savings on food and beverage at Shangri-La Hotel Kuala Lumpur & Marriott Bonvoy participating hotels and resorts in Malaysia.

Balance Transfer

Credit card debt has got you down? Maybank Balance Transfer offers interest rates as low as 0% and payment terms up to 36 months. Make your monthly repayments and you're well on your way to better financial management in the future!

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 participating retail outlets in Malaysia. For all other purchases, you can opt to Maybank EzyPay Plus for low rates instalment of up to 24 months.

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
  • RM800 primary card

    Free for first year

    2 free supplementary cards

  • RM550 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 RM75
Cash withdrawal fee
RM10 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Minimum Annual Income
RM60,000
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 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.
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!
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

50% Savings On Fine Dining with Maybank American Express Platinum

You are known for your epicurean taste and love for food arts; why don't take it to the next level with Maybank American Express Platinum credit card? 

Get up to 50% savings on food and beverages at Shangri-La Hotel Kuala Lumpur and Marriott Bonvoy participating hotels & resorts in Malaysia.

Please note that the Shangri-La Hotel Kuala Lumpur dining deal expired on 31 December 2020, while Marriott Bonvoy's on 30 December 2020.

Travel Insurance Coverage

Cardholders will have the chance of getting full travel insurance up to RM700,000 for charging their travel fares to the Maybank American Express Platinum. 

If you are concerned with or frequently experience flight delays, luggage delays or loss, and even more frustrating missed connections, it might be a very good idea to keep yourself secured with this credit card insurance plan.

Retail Protection

Found defects on your purchased item or simply do not like your previous purchases? 

Don't worry as you are also protected on your purchases for up to RM15,000 per item and RM100,000 per card account in a year.

With this Maybank credit card, you can enjoy return guarantee benefits for item exchange or refund. 

The maximum amount can go up to RM1,500 per item or up to RM6,000 per card account in a year. The guarantee is valid for 90 days only. 

AMEX Global Assist

Not sure what to do when you're flushed with nervous over financial-related matters? 

You can always seek refuge from American Express Global Assist should you require immediate attention and assistance, whether it is stolen/broken card or any other cash-related emergencies.

Maybank Line of Credits

Don't you know it that your Maybank American Express Platinum credit card is eligible for debt management and flexible repayment programs under Maybank? 

Take advantage of the higher credit limit in your AMEX Platinum card and transfer all outstanding balance from other credit cards to enjoy a lower rate starting from 0% for up to 3 years with Maybank Balance Transfer Plan. 

Also, you can convert your big-ticket item purchase into an affordable monthly installment amount for up to 24 months with interest rates starting from 0% with Maybank EzyPay and Maybank EzyPay Plus.


Maybank American Express Platinum Finance Charge

What are 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 include:

  • 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 Platinum are carried forward from the previous month's statement cycle are paid in full.