Maybank Islamic Ikhwan American Express Platinum Card-i

This credit card earns you 5X TreatsPoints on all petrol spend and 2X TreatsPoints on everything else - redeem points for free petrol vouchers!

Maybank Islamic Ikhwan American Express Platinum Card-iFree Petrol
Min. Income
RM5,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 9% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Maybank Exclusive Gift
worth RM299
when you apply through RinggitPlus3

Maybank Exclusive Gift

Rewards

Earn 2x TreatPoints your retail spending as well as 1x TreatPoint on EzyPay, EzyPay PLUS, utilities, petrol, education and insurance. Your Maybank TreatPoints will expire 3 years from the month of redemption.

Maybank TreatsPoints
EarnSpend
2 points on every RM1on all retail
1 point on every RM1on petrol, utilities, education, insurance and EzyPay Instalment

Petrol

This revitalised Maybankard earns you 1X Treats Points on all petrol spend. Automatic Touch 'n Go Zing Card reload facility for added convenience when queueing at the toll - now ain't that a favourite Malaysian passtime!

Balance Transfer

Maybank Islamic Balance Transfer offers interest rates from as low as 0% and payment terms up to 36 months. Whether you're consistently late on your monthly credit card bill or just need to lighten the load for a few months, a balance transfer is always a smart choice.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88% one-time upfront handling feefrom RM1,000
9 months6.75% 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 RM2,000
36 months4.95% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about Maybankard Balance Transfer Islamic Ikhwan Card

Easy Payment Plans

Maybank EzyPay offers payment terms up to 36 months, at 0% interest, on purchases from approved merchants. No penalty fee for early payment. Participating outlets include Tomei, Osim, Lorenzo, and California Fitness. For all other purchases, you can opt to Maybankard EzyPay PLUS for instalment of up to 24 months at 9% p.a..

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
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
  • RM0 primary card

    Free for life

  • RM0 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
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 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.
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 Islamic Ikhwan Card
Save more with lowest profit rates starting from 0% and enjoy a long repayment period of up to 36 months - choose a plan that meets your needs!

Review

Hunting for a credit card with great reward point perks? It's all about redeeming all the goodies isn't it? 

Allow us to introduce to you the Maybank Islamic Ikhwan American Express Platinum Credit Card, a card that earns you as much as 5X TreatsPoints on all petrol expenses - household items, gadgets, petrol and airline miles redemption, they're all up for grabs!

Reward Point Conversions

Of course, you came for the reward points -  The Maybank Islamic Ikhwan American Express Platinum Credit Card is a card that allows you to earn more reward points depending on what you spend on. 

You will get 2x Treat points for every RM1 you spend, instead of a cash back. Also, you will be rewarded with 1x TreatPoint when you spend on petrol, utilities, insurance, education, EzyPay and EzyPay PLUS. 

So how does this work? Use your credit card at the petrol station to collect points every time you spend on fuel. 

Also, if you sign up for Maybank's Auto PayBills service, you will also earn TreatPoints and rebates - no longer will you wait in queues, or forget to pay for your bills!

Online Shopping Madness

For those online shopping fans, now you can shop for the latest styles and trends from all over the world without actually having ever been there! 

This is because Maybank offers you an excellent service for online shopping via globalshop - a great online web-store for when you need that instant retail therapy

Not only that - get the best discounts and offers on dining, entertainment, travel or shopping merchants via American Express SELECTS. Enjoy hassle-free redemption. 

Simply provide the provided promo code at the register when making your purchases.

Maybank EzyPay

Interest-free installment plan when you pay for products or services via your Maybank MasterCard or Visa Credit Card at selected merchants at 0% p.a. for up to 24 months.

This feature is great for those big purchases that you simply have to make, but don't necessarily have the money to commit to it...yet!


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, 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

Finance charge is now based on the prevailing tiered interest rate (above) 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 Fess and Charges includes:

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