5% Cashback
Stay true to the values that matter with an Islamic credit card that abides by Shariah laws, and also gives a portion of all your spending back to charity. Each week Maybank2U will also select one lucky winner for an all-paid-for Umrah package to complete your pilgrimage to Mecca.
Don’t miss out on other benefits including 5% cash back on petrol and groceries, Maybank treat points and a free Touch n Go Zing card when you apply online!
5% Cash Back on Weekends
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. Any additional spending won’t qualify you for more cash back.
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 you’ll get 1 TreatsPoints. Collect these points and redeem them for exciting gifts and prizes from Maybank before they expire.
Bear in mind that the transactions on petrol, utilities, insurance, education, government-related, EzyPay and EzyPay PLUS are not entitled for TreatsPoints.
Minimum Income
For Malaysians, you can apply Maybank Islamic MasterCard Ikhwan Gold Card as long as your annual income is RM30000. The income requirement is higher for expatriates, which is RM60000 a year.
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.
Umrah Package by Maybank
The chance to visit Mecca is a blessing for every Muslim, that’s why Maybank will give out a free Umrah travel package if you’re selected as one of its weekly winners. For non-Muslims who win, you’ll get a holiday package instead!
These travel packages are exchangeable or transferable, and the winners will be announced once every 3 months. This giveaway is ongoing subject to cancellation by Maybank Islamic.
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
With effect from 15 August 2019, finance charge 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 for retail transaction, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full before payment due date.
