Maybank Islamic Ikhwan American Express Platinum Card-i

Collect not only great TreatsPoints but also up to 8% cashback on selected spending. That's double the rewards for you to collect every month! What's more, no annual fees, ever!

Maybank Islamic Ikhwan American Express Platinum Card-iCashback & TreatsPoints!
Min. Income
RM3,333.33/month
Annual Fee
Free
Cashback
up to 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

Get up to 8% cashback simply by spending online throughout the year as well as during Ramadhan and Syawal. Plus, a bonus RM25 cashback as a Welcome Gift to you if you make a minimum accumulative retail spending of RM300 within 60 days from the card approval date. Don't miss out!

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online spending during Ramadhan and Syawal8%RM100from RM100 or above
Online spending throughout the year (except Ramadhan and Syawal)8%RM50from RM100 or above

Rewards

Earn 2x TreatsPoints for all your retail spending, as well as 1x TreatsPoint on government utilities, petrol, education and Takaful transactions. Your Maybank TreatsPoints will expire 3 years from the month of redemption so don't miss out on redeeming them with great gifts and air miles (20,000 TreatsPoints are equivalent to 1,000 Enrich/KrisFlyer/Asia Miles)!

Maybank TreatsPoints
EarnSpend
3 points on every RM1on selected eco-friendly merchants (except online spending)
2 points on every RM1on all local spending (except online spending, petrol, government utilities, education and takaful)
1 point on every RM1on petrol, government utilities, education and Takaful spending (excluding online spending)

Premium

Take advantage of all Platinum benefits offered by the prestigious card network - American Express, through the AMEX Selects program.

Balance Transfer

With Maybank Islamic Balance Transfer, enjoy interest rates 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
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 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 for Maybankard EzyPay PLUS for instalments of up to 24 months at 9% p.a.

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
  • 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
RM40,000
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 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 the 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

Earn Cashback During Special Months

This is a new benefit being introduced by Maybank Islamic for all Maybank Islamic Ikhwan AMEX Platinum Card-i holders so be sure to maximise it to get savings every month!

With every online spending you make during Ramadhan and Syawal, you can get 8% cashback capped at RM100 per month. Now you don't have to feel guilty about shopping too much to prepare for puasa and raya anymore. 

What about any other month? You can still get the same 8% cashback on online spending but this time, it is capped at RM50 per month.

Reward Point Conversions with Maybank Islamic Ikhwan American Express Platinum Card-i

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. 

You will get 2x TreatsPoints for every RM1 you spend locally while spending on selected eco-friendly merchants (except online spending) gets you 3x TreatsPoints. 

On the other hand, you will earn 1x TreatsPoint when you spend on petrol, government utilities, takaful and education. 

Also, if you sign up for Maybank's Auto PayBills service, you will earn TreatsPoints and rebates - no longer will you wait in queues, or forget to pay 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 instalment plan when you pay for products or services via your Maybank Islamic Ikhwan American Express Platinum Card-i at selected merchants with low interest rates for up to 36 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!

Maybank Islamic Ikhwan American Express Platinum Card-i 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 Islamic Ikhwan American Express Platinum Card-i 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 BE form with an official tax receipt
  • Latest 3 months salary slips
  • Latest 6 months savings account activity/current account statement

For self-employed:

  • Copy of IC (both sides) or Passport
  • Latest Income Tax Return
  • 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

Maybank Online Acquisition 2024 Credit Cards Campaign

From 1 May 2024 until 31 July 2024 (“Campaign Period”), be the first 300 eligible customers (first 100 eligible customers per card scheme every month) throughout the Campaign Period to grab an RM100 cashback prize. Terms and conditions apply!

Here’s an illustration of the campaign mechanics:

Card Scheme Rewards Spend Criteria Campaign Period
Maybank/Maybank Islamic Visa Cards
RM100 Cashback

(capped at the first 100 eligible customers per card scheme every month) 

Minimum retail spend of RM300 within the first 45 days from card approval date  1 May 2024 - 31 July 2024
Maybank/Maybank Islamic Mastercard Cards
Maybank/Maybank Islamic American Express Cards

To be eligible for the prize, you must be either:

  • New-to-bank individuals or
  • Existing customers of Maybank who are a resident of Malaysia aged 21 years at the time of applying and have yet to own any existing Visa, Mastercard or American Express principal credit cards issued by Maybank/Maybank Islamic

If you fall under the mentioned eligibility criteria, here are the steps to take part in this campaign:

  • Make an online application for any one of the eligible credit cards (or more) via the Maybank2u website or the MAE App within the Campaign Period
  • Complete the e-application form and upload all the required supporting documents
  • Wait for approval from the bank
  • Once approved, perform a minimum retail spend of RM300 within the first 45 days from the card’s approval date to be eligible

Individuals who are not eligible to participate in this campaign include:

  • Permanent and/or contract employees of Maybank (including its subsidiaries and related companies);
  • Any Eligible Customer who had cancelled any of his/her Maybank Credit Card within six (6) months before the date of application and is reapplying for another Maybank Credit Card under the Campaign;
  • Present holders of any Maybank Credit Card(s) whether issued in Malaysia or otherwise; and/or
  • Any Eligible Customer who has committed or is suspected of committing any misconduct, fraudulent, wrongful acts or in default and breach of terms to their account(s), any facility, and/or any services granted by Maybank.

If you require any help or enquiries regarding this campaign, please read through the T&C here or contact Maybank’s Customer Care Hotline at 1-300-88-6688 or +603 7844 3696.

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