Maybank Islamic MasterCard Ikhwan Gold Card-i

Put money back into your pocket. Get high 5% cashback every Friday and Saturday, and Maybank Treatpoints everytime you swipe your credit card!

Maybank Islamic MasterCard Ikhwan Gold Card-i5% Cashback
Min. Income
RM2,500/month
Annual Fee
Free
Cashback
up to 5%
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

Cashback

Get paid as you spend! Earn 5% cash rebate on petrol and groceries every Friday and Saturday. The maximum cap is set at RM50 per month.

Cashback categoryCashback rateMonthly capSpend
Petrol and Groceries5%RM50any amount monthly on weekends only

Rewards

No matter if you spend locally or overseas, you will earn 1 TreatsPoints on every RM1 you swipe on your Maybank Islamic credit card. Use your points to redeem amazing gifts from Maybank's gift catalogue.

Maybank TreatsPoints
EarnSpend
1 point on every RM1on all retail

Petrol

Wait until the weekends to pump fuel! You will get 5% cashback on petrol every Friday and Saturday with Maybank. Save up to RM50 every month!

Travel

Complimentary Maybank Touch ‘n Go Zing card and the chance to win Umrah trip with every RM200 spent on a single receipt! Each RM200 receipt will get you 1x free entry.

Balance Transfer

It's the time to transfer all your credit card outstanding balance to Maybank and watch your high interest fees dissappear! The package comes with interest as low as 0% for up to 36 months.

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

Want that luxury watch and handbag? No worries. Swipe your card at Maybank partner merchants and you can pay back at ZERO interest rate for up to 24 months. Pay interest at 9% p.a. for instalment term of up to 24 months on all other purchases. No penalty if you can settle off early.

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
RM30,000
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 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

5% Cashback on Fridays and Saturdays

Enjoy big cashback on all groceries and petrol on Fridays and Saturdays with your Maybank Islamic MasterCard Ikhwan Gold credit card. 

Just swipe the charges at any Maybank recognised outlets and max out your RM50 eligible cashback each month when you spend RM1000. 

Note that any additional spending won’t qualify you for more cash back.

Illustration on Monthly CashBack:
How much can a typical single Malaysian with a weekly average spend of RM300 (RM1,200 per month) for groceries and petrol, save RM50 every month on a Maybank Islamic MasterCard Ikhwan Gold card?

Spend Categories

Spend Amount (RM)

CashBack Rate

CashBack Earned (RM)

Friday & Saturday only

Petrol 

Groceries


200

1,000


5%

5%


10.00

50.00

TOTAL CASHBACK

1,200

-

50.00

(Monthly Cap: RM50)

Umrah Package and Charity Fund by Maybank

Stay true to the values that matter with an Islamic credit card that abides by Shariah laws which gives back to charity by contributing 0.1% for every of your spending.

The chance to visit Mecca is a blessing for every Muslim. Hence, Maybank will select one weekly lucky winner for an all-paid-for Umrah package for two (2) pax to complete pilgrimage to Mecca. 

For non-Muslims who win, you’ll get a substituted holiday package determined by Maybank! 

All you need to do is to spend a minimum of RM200 in a single receipt, which is equivalent to 1x Entry.

Successful transactions eligible for the contest is listed below:

- Retail Purchases from approved Local or International merchants

- New Maybank EzyPay Plans

- Approved e-Commerce or Online Purchases over the internet

These travel packages are not exchangeable or transferable, and the winners will be announced once every 3 months. 

This giveaway is ongoing subject to cancellation by Maybank Islamic. 

Extra Maybank TreatsPoints

Maybank Islamic MasterCard Ikhwan Gold is one of the few cards out there that gives you rewards and cashback in a single swipe. 

For every Ringgit spent locally and overseas will get you 1x TreatsPoints. Collect these points and redeem them for exciting gifts and prizes from Maybank before they expire.

NO TreatsPoints:

- Petrol & Groceries on Fridays & Saturdays

- Government Bodies

- E-wallet Reloads

Free Touch n Go Zing Card

Tap your way into parking lots, LRTs, KTM and pass tolls anywhere in Malaysia with a complimentary Touch n Go Zing Card from Maybank. 

What’s so Zing about this convenient pass card? 

It auto reloads when your balance drops too low, so you never have to worry about not having enough credit when you enter a Touch N Go lane. 


What documents are required?

  • Copy of NRIC (both sides) or Passport
  • Latest BE form with official tax receipt
  • Latest 3 months’ salary slips
  • Latest 6 months’ savings account activity/current account statement

If you are self-employed:

  • Copies of Business Registration
  • Latest 6 months’ Bank Statements

If you are an expatriate:

  • Letter from employer confirming duration of employment contract in Malaysia


Credit Card Featured Services

The real value of a credit card is when it makes your day to day life a whole lot simpler and help you manage your finances efficiently:

Cards Spending Tracker

Manage your spending and have greater understanding on your spending habits. You can track your credit card spending on a monthly basis, segregated into different categories and shown on a pie chart for your easy understanding.

To view the Auto Spending Tracker, you simply need to log in to your Maybank2u account and click on ‘My Total Spending’ under ‘Cards’.

Auto PayBills

Never worry about penalties on your late payments anymore with Maybank’s Auto PayBills, which charges your bills to your credit card when they are due.

This automatic bill payment facility is great as it offers a wide range of merchants that cover your electricity, telephone, satellite TV and mobile phone bills. 

On top of that, you have the opportunity to earn more rewards with TreatsPoints, Membership Rewards and rebates. 

There will be a normal finance charge of 8.88% to 17.5% on the remaining balance installment amount unpaid. The finance charge is depending on your past 12 months payment records.

To apply, print out the Enrolment Form and email the completed form to [email protected] or fax it to 03-2715 9440 or call 1-300-88-6688.

Credit Care Plus Plan

In an unfortunate event of a tragedy, Credit Care Plus Plan (underwritten by Etiqa Insurance Berhad) can cover your outstanding Credit Card debt up to RM100,000 per card.

This debt relief plan is applicable for death or total and permanent disability due to illness or accidents or upon diagnosis of any one of the 36 covered critical illnesses. 

Acceptance into this plan is automatically guaranteed, subject to no existing illness and/or disability and/or ailment prior to the commencement date of the plan.

There is a monthly premium of RM0.65 for every RM100 of your outstanding closing balance added into your statement every month.

To apply, print out the Enrolment Form and email the completed form to [email protected]. You can also fax it to 03-7953 8640.

Maybank Secure Online Shopping (MSOS) Code

MSOS code is a One-Time-Password (OTP) for Online Transaction which is sent to your registered mobile number with Maybank.

The MSOS code must be entered in order to complete payment. 

To register, call Customer Care Hotline at 1-300-88-6688 or Amex Customer Care Hotline at 1-800-88-9559 or visit the nearest branch to update or register.


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.