Maybank Islamic MasterCard Ikhwan Gold Card-i

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

Maybank Islamic MasterCard Ikhwan Gold Card-i5% Petrol & Groceries Cashback
Min. Income
RM2,000/month
Annual Fee
Free
Cashback
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

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

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Petrol and Groceries (Friday & Saturday only)5%RM50any amount monthly on weekends only

Rewards

No matter if you spend locally or overseas, you will earn 1 TreatsPoint on every RM1 you swipe on your Maybank Islamic credit card. Use your points to redeem amazing gifts from Maybank's gift catalogue or even redeem air miles - 20,000 TreatsPoints are equivalent to 1,000 Enrich Miles/KrisFlyer Miles/Asia Miles.

Maybank TreatsPoints
EarnSpend
1 point on every RM1on all local and overseas retail (except petrol and groceries spend on Friday and Saturday, government bodies and e-wallet reloads)
1 point on every RM1on education, insurance, utilities and 0% EzyPay Instalment

Petrol

Wait until the weekends to pump fuel! You will get 5% cashback on petrol every Friday and Saturday with Maybank. This way, you can save up to RM50 every month!

Premium

Stand a chance to win an Umrah trip (for Muslims) or holiday package (for non-Muslims) with every RM200 spent on a single receipt! Each RM200 receipt will get you 1x free entry and the said package is made available for 2 pax only. Please contact Maybank if you need more details about this Weekly Winner Prize by Mastercard Ikhwan. To top it off, cardholders also will be able to donate whereby for every spending you made using this card, Maybank will contribute 0.1% to the charity managed by them.

Balance Transfer

It's time to transfer all your credit card outstanding balances to Maybank and watch your high-interest fees disappear! The package comes with low interest 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
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

Want that luxury watch and handbag? No worries. Swipe your card at Maybank partner merchants and you can pay back at low-interest rates for a longer repayment period.

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%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM24,000
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 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

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 at least RM1,000. 

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

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 Islamic

Stay true to the values that matter with an Islamic credit card that abides by Shariah laws which give back to charity by contributing 0.1% of 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 a pilgrimage to Mecca. 

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

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

Successful transactions eligible for the contest are listed below:

- Retail purchases from approved local or international merchants

- New Maybank EzyPay plans

- Approved e-commerce or online purchases

These travel packages are not exchangeable or transferable, and the winners will be announced once every 3 months. This giveaway is ongoing, and 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 air miles (20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles) from Maybank before they expire.

NO TreatsPoints for:

- Petrol and Groceries made on Fridays and Saturdays

- Government Bodies

- E-wallet Reloads

What documents are required to apply for Maybank Islamic MasterCard Ikhwan Gold Card-i?

  • 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

If you are self-employed:

  • Copies of Business Registration
  • Latest 6 months' bank statements

If you are an expatriate:

  • Letter from employer confirming the duration of employment contract in Malaysia

Maybank 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 helps you manage your finances efficiently:

Cards Spending Tracker

Manage your spending and have a greater understanding of your spending habits. You can track your credit card spending every month, 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 any more 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 instalment amount unpaid. The finance charge depends 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 the unfortunate event of a tragedy, the 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 before the commencement date of the plan.

There is a monthly premium of RM0.65 for every RM100 of your outstanding closing balance added to 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 Transactions which is sent to your registered mobile number with Maybank.

The MSOS code must be entered to complete the payment. 

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

Maybank Islamic MasterCard Ikhwan Gold Card-i Finance Charge

What is the interest rate imposed on repayments of this Maybank Islamic credit card?

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.

The changes made on this 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 MasterCard Ikhwan Gold Card-i are carried forward from the previous month's statement cycle and are paid in full.

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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