Maybank American Express Platinum

Enjoy the VIP lifestyle with up to 5x Membership Reward™ Points, exclusive platinum privileges on dining at elite hotels, and complimentary travel insurance, plus retail purchase protection.

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

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Rewards

Earn Membership Rewards™ Points for every Ringgit spent on all groceries, selected cineplexes, petrol, participating bookstores and telecommunication charges, utilities, education, EzyPay, insurance transactions, and retail shopping. The accumulated points can then be redeemed with exclusive gifts, vouchers and even air miles. 7,500 Membership Rewards™ Points are equivalent to 1,000 Enrich/KrisFlyer/Asia Miles.

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

Travel

When travelling, expect immediate assistance over the phone anytime, anywhere and if you charge all your travel fares to this card, you'll get complimentary Travel Personal Accident coverage of up to RM700,000 which includes coverage for travel inconveniences such as missed flight connection, luggage delay or luggage loss. Terms and conditions apply.

Travel CoverageSum Insured
Travel InsuranceUp to RM700,000

Premium

Valid until 31 December 2024, don't miss up to 50% savings on dining and F&B at selected restaurants at Shangri-La Hotel, Kuala Lumpur, including a 40% discount on dining (excluding alcoholic drinks) at participating restaurants at Marriott Bonvoy Hotels & Resorts in Malaysia, applicable to a maximum of 10 diners. Terms and conditions apply.

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

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
  • RM800 primary card

    Free for first year

    2 free supplementary cards but the 3rd supplementary card onward will be charged RM550 each

  • 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 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!
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

Up to 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 the Maybank American Express Platinum credit card? 

Get up to 40% savings on dining, except for alcoholic drinks, at participating Marriott Bonvoy Hotels & Resorts in Malaysia, including up to 50% discount on dining and F&B at selected restaurants at Shangri-La Hotel Kuala Lumpur. 

Both promotions are valid until 31 December 2024 and are subject to terms and conditions.

Complimentary Travel Insurance Coverage

Cardholders will have the chance to get complimentary travel personal accident insurance for up to RM700,000 for charging their full travel fares to the Maybank American Express Platinum Card. 

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. Subject to the  T&C of the policy.

Retail Purchase 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. Click here to check out the Certificate of Insurance.

AMEX Global Assist

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

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

Maybank Line of Credits

Don't you know 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 on your AMEX Platinum card and transfer all outstanding balances from other credit cards to enjoy a lower rate starting from 0% for up to 3 years with the Maybank Balance Transfer Plan. 

Also, you can convert your big-ticket item purchase into an affordable monthly instalment amount for up to 36 months with interest rates starting from 0% with Maybank EzyPay and Maybank EzyPay Plus.

Maybank American Express Platinum 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 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.

This change on the 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 Platinum are carried forward from the previous month's statement cycle and 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:

  • Copy of IC (both sides) or Passport
  • B form/Latest EA form
  • Copies of the Business Registration Certificates/Trading License/Form 9, Form 24, Form 49
  • Latest 6 months company/personal bank statement

For expatriates:

  • Letter from employer confirming duration of employment contract in Malaysia
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