Maybank Islamic Ikhwan American Express Gold credit card

Maybank Islamic Ikhwan American Express Gold

You'll get 2X TreatsPoints with every single Ringgit you spend on retail purchases. With automatic Touch 'n Go Zing card reload this is the driver's dream.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for Maybank Islamic Ikhwan American Express Gold

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Enjoy 2X TreatsPoints on all your retail spending as well as 1X TreatPoint on your payment for petrol, utilities, education, insurance, EzyPay and EzyPay PLUS. Maybank Credit Card TreatsPoints have a 3-year expiration period.
Maybank TreatsPoints
EarnSpent
2 points on every RM1on all retail
1 point on every RM1on petrol, utilities, education, insurance and EzyPay Instalment
Your Maybank TreatsPoints earned expires in  3 years
Balance Transfer
Maybank Islamic Balance Transfer offers interest rates from as low as 0% and payment terms up to 36 months.
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 Islamic Ikhwan Card
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 Maybankard EzyPay PLUS for instalment of up to 24 months at 9% p.a.. 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 
10 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 
Learn more about Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months9% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months9% p.a. and 0% one-time upfront handling feefrom RM500 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
1X TreatsPoint on all petrol spend and automatic Touch 'n Go Zing Card reload facility (RM2 service fee per reload)

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
RM19.08 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%

*inclusive of 6% GST

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 and Expatriates

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 Islamic Ikhwan Card
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Maybank Islamic Ikhwan American Express Gold review

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

Some people have two favourite colours at the end of the rainbow - gold and leprechaun! But seeing that leprechauns aren't real, you'll need some gold - the Maybank Islamic Ikhwan American Express Gold will do more than enough to meet your every need, with tons of TreatPoints to collect, online shopping via globalshop, and worldwide acceptance courtesy of American Express.

Lower Late Payment Fees

Unlike a conventional credit card, you will be enjoy non-compounding late payment charges for your Islamic Maybank credit card, saving you more money in the long run if you're frequently forgetting to pay your outstanding balances - however, it shouldn't be a reason to miss payments each month!

Credit Card Upgrade

If you've been stuck with a classic credit card, with little to no additional benefits, then its about time you level-up to a Gold credit card, and if you're inclined to get a Shariah compliant credit card at the same time - give the Maybank Islamic Ikhwan American Express Gold a chance.

What will you be getting? First off, you will get a lifetime annual fee waiver. That's right, no need to pay unnecessary annual fees - we've all got enough problems already paying other bills and such. Also, with this credit card, there is such a thing as the American Express SELECTS privilege programme, offering you amazing discounts and offers all over the globe from dining, accommodation, travel, and entertainment.

That's not enough for you? Well, continue on reading!

Awesome Reward Points 

If you love shopping, our best guess is that your wallet doesn't - but all that can be changed, when you earn 1X TreatPoint when you spend on petrol, utilities, education, insurance, EzyPay and EzyPay PLUS payment. 

What can you redeem with these reward points? A whole lot of things, you can exchange your TreatPoints for dad's new ballpoint pen, mum's brand new cooking pot, or for your little brother's brand new bicycle. There's no need to stress for Christmas presents anymore.

0% Balance Transfer Programme

if you already have a credit card, and it's racking up on the debts, maybe it's about time you sign up for a balance transfer programme with Maybank. You can transfer your outstanding balance from another bank's credit card to your brand new Maybank Islamic Ikhwan American Express Gold for up to 36 months and for as low as 0% p.a. but only if you choose to transfer for 12 months - a year would be more than enough time to pay off your debts, don't you think?

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