Maybank Islamic Petronas Ikhwan Visa Gold Card-i

Fill up your tank! Shariah compliant credit card that earns up to 8x TreatPoints when you spend at any petrol service stations nationwide.

Maybank Islamic Petronas Ikhwan Visa Gold Card-i8X TreatPoints
Min. Income
RM2,500/month
Annual Fee
Free
Cashback
up to 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 4.5% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Maybank Exclusive Gift
worth RM459
when you apply through RinggitPlus3

Maybank Exclusive Gift

Cashback

Get 8% cash rebate, which is capped at RM50 per month, when you pump up at PETRONAS over the weekends. Earn 1% cashback for spending at PETRONAS every other day.

Cashback categoryCashback rateMonthly capSpend
weekends PETRONAS spend8%RM50any amount
weekdays PETRONAS spend1%RM50any amount

Rewards

Spend at PETRONAS Service Station or any other retail stores elsewhere and earn 1 TreatsPoint. 8x TreatsPoints - use your accumulated TreatPoints to exchange for gifts at the Maybank TreatPoint Programme online store.

Maybank TreatsPoints
EarnSpend
1 point on every RM1on local and overseas retail

Petrol

Free Petrol with TreatsPoints. Collect MayBank TreatsPoints and use them to redeem Petronas petrol vouchers.

Travel

Free Maybankard Touch ‘n Go Zing Card. Get this automatic reload card that is link to your PETRONAS Ikhwan Visa Gold.

Premium

No annual fee when you sign up for PETRONAS Ikhwan Visa and no conditions attached.

Balance Transfer

Maybank Islamic Balance Transfer offers low profit rates and longer payment terms 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 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 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

Maybank EzyPay offers payment terms up to 24 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt to Maybankard EzyPay PLUS for instalment of up to 24 months at 9% p.a.. No penalty fee for early payment.

Maybankard EzyPay PLUS
Pay OverWith Interest Rate AtWhen You Spend
6 months4.5% 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 months4.5% 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 approval 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 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 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

The ever increasing price of fuel, that's all Malaysians have been talking about these past few months. Well, here comes your knight in shining golden armour, The Maybank Islamic Ikhwan American Express Gold Card-i - You can earn up to 8x the Maybank TreatPoints from all Petronas service stations, without paying a single annual fee with 6% GST, ever!

Benefits On The Road

A Free Maybankard Touch ‘n Go Zing Card - yes sir, there will be a complimentary automatic toll card for your convenience when driving on the highway. That's not all, there's a surprise for our cars as well.

We spend a lot of our time, tossing and turning around in our beds thinking about how to properly manage our finances, from electric bills to petrol expenses. This Maybank credit card can chip a little of your burdens away with a chance to be able to receive free petrol vouchers when you have redeemed enough Maybank TreatPoints on your gold credit card.

How do you actually earn these reward points? Read on.

More Points, More Rewards

Whenever you spend on weekends at any Petronas petrol stations nationwide, there will be 8% Cash Back to be earned. The weekday rate is not at all too bad, as you will be getting 

1% Cash Back. Oops, let's not forget - when shopping for groceries or any other retail (because that's the only time we can leisurely stroll along the junk food section), you will also earn 1x TreatPoints, both locally and overseas. 

As mentioned earlier, on top of redeeming Petronas petrol vouchers, you will also be able to exchange your reward points for other amazing prizes via the Maybank TreatPoints Programme such as - household items, furniture, kitchenware, and the latest tech gadgets. Take your sweet time accumulating those points, because your TreatPoints will not ever expire.

Easy To Apply

Any regular joe can apply for this credit card as you will only need a minimum yearly income of RM30,000, and you would need to be at least 21 years old but not older than 65. Also, there will be non-compounding charges on your monthly credit card debts. What does that mean? Simply, you will not be charges interest on the interest you're already charged for - which is typical for any credit card from other banks.

Finance Charge

What are the interest rate imposed on repayments?

Conditions of RepaymentsTiered Interest Rate (Per Annum)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers18%

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.