Maybank Islamic MasterCard Ikhwan Platinum Card-i

A money saving credit card with 5% cashback, Treatpoint gift redemption, and no annual fee for life.

Maybank Islamic MasterCard Ikhwan Platinum Card-iNo Annual Fee
Min. Income
RM5,000/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

A Maybank Islamic credit card that'll make your petrol and groceries expenses cheaper! Get 5% cashback on Friday and Saturday, capped at RM50 each month.

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

Rewards

Earn 1x TreatsPoint on every RM1 you spend locally and overseas. What do you do with those TreatPoints? Use them to redeem tech gadgets, shopping vouchers, free flights and so much more!

Maybank TreatsPoints
EarnSpend
1 point on every RM1on all retail
1 point on every RM1on education
1 point on every RM1on insurance
1 point on every RM1on utilities
1 point on every RM1on petrol
1 point on every RM1on 0% EazyPay

Petrol

Petrol prices are getting cheaper, but wouldn't it be great to drive it down even further? Get 5% cashback on petrol on Fridays and Saturdays. Monthly cap at RM50.

Travel

Stand a chance to win an Umrah package for the pilgrimage of your life.

Balance Transfer

Tired of barely paying the minimum on your credit card bills? Transfer all your credit card outstanding balance at low interest for up to 36 months with the Maybank Balance Transfer Programme.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88%one-time upfront handling feefrom RM1,000
9 months9% 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 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

Be flexible with your shopping! Buy what you want now, but pay for it later. Stretch your repayments over 36 long months at 0% interest with Maybank EPP. For all other purchases, you can opt to Maybankard EzyPay PLUS for instalment 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 feeRM50
6 months0% p.a. and no one-time upfront handling feeRM50
12 months0% p.a. and no one-time upfront handling feeRM50
18 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
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
MasterCard PayPass

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

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 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

Don’t pay any credit card fees or GST, and give to charity instead with a platinum MasterCard from Maybank Islamic. 

And true to the principles of giving, you’ll also get a free Maybank Touch n Go Zing card and a chance to win a free Umrah package trip every week with the MasterCard Ikhwan Platinum Card.

Bring home an exciting reward with Maybank Mastercard credit cards

Maybank credit cards online campaign

Valid until 30th September 2022, grab this chance to participate in the Maybank/Maybank Islamic Online Acquisition 2022 Credit Cards Campaign and bring home an exciting reward of the OPPO Enco Buds (W12), subject to the campaign’s terms and conditions.

Capped at the first 600 customers every month, this campaign is applicable to only new-to-bank and existing Maybank customers that have yet to own a Maybank/Maybank Islamic credit card and are residents of Malaysia, you are eligible to participate in this campaign by:

  • Applying as the Principal cardholder for any one or more Maybank/Maybank Islamic Mastercard credit card(s) via Maybank2u at www.maybank2u.com.my
  • Complete the Maybank Credit Card Application Form online, and upload all required supporting documents via the website above

You also need to spend a minimum of RM300 on retail purchases within the first 45 days from the card approval date to be eligible for this campaign.

If you have any questions regarding the campaign above, do not hesitate to email us at [email protected]. We’re happy to help!

Umrah Trip Package from Maybank Islamic MasterCard Ikhwan Platinum Card-i

Stand a chance to win an Umrah package for the pilgrimage of your life with the Maybank Islamic MasterCard Ikhwan Platinum. 

Each week one winner will get a 2 pax package to Mecca (non-Muslims will get a 2 pax holiday package instead).

All you have to do is spend RM200 or above in a single receipt – this will count as a single entry. 

Every 3 months Maybank Islamic will draw a weekly winner from these entries.

5% Cash Rebates

Save more on the daily essentials when you spend on Friday and Saturday with your Maybank Islamic credit card. 

You’ll be rewarded with 5% cashback on groceries and petrol at outlets across Malaysia, capped at RM50 each month.

Max out the rewards of this cashback offer when you send RM1,000 each month. A total of up to RM600 in savings are yours each year. 

Remember that you cannot carry over the spending from a single month for cashback in the next.

Collect Reward Points with Maybank Islamic MasterCard Ikhwan Platinum Card-i

Swipe with your Maybank Islamic MasterCard Ikhwan Platinum credit card for rewards anywhere and everywhere you go including overseas.

Each RM1 charged to your Mastercard will earn you 1 TreatsPoint which you can use to collect cool prizes from Maybank!

However, your transactions on petrol, utilities, government-related, education, insurance, EzyPay and EzyPay PLUS will not be rewarded with TreatsPoints.

Charity Donations

Give towards a good cause each time you use your MasterCard Ikhwan credit card. Maybank will donate of 0.1% of all your spending to Islamic Relief Malaysia and MERCY Malaysia. 

That’s a little bit of charity on your own part every day because every little amount counts.


Maybank Islamic MasterCard Ikhwan Platinum Card-i Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (p.a.)
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, the 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

The finance charge is now based on the prevailing tiered interest rate (above) that 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 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 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 of your Maybank Islamic MasterCard Ikhwan Platinum are carried forward from the previous month's statement cycle are paid in full.

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