Maybank Islamic Petronas Ikhwan Visa Gold Card-i

Fill up your tank as this Shariah-compliant credit card earns you up to 8% cashback when you spend at any Petronas station nationwide.

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

Cashback

Get an 8% cash rebate, which is capped at RM50 per month, when you pump up at PETRONAS over the weekends. Earn 1% cash back for spending at PETRONAS every Monday to Friday.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Weekend spending made at Petronas8%RM50any amount
Weekday spending made at Petronas1%RM50any amount

Rewards

Spend on petrol fueling at PETRONAS Service Station, pay for utilities, education, insurance and EzyPay instalments to earn 1x TreatsPoints (except for government bodies and e-wallet reloads). Use your accumulated TreatsPoints to exchange gifts at the Maybank TreatsPoint Programme online store or redeem air miles (20,000 TreatsPoints are equivalent to 1,000 Enrich/KrisFlyer/Asia Miles).

Maybank TreatsPoints
EarnSpend
1 point on every RM1on education, utilities, insurance and 0% EzyPay (except government bodies and e-wallet reloads)

Petrol

Stand a chance to get free petrol with TreatsPoints. Simply collect as many Maybank TreatsPoints as you can, and use them to redeem Petronas petrol vouchers.

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
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

Maybank EzyPay offers payment terms of up to 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt for Maybank EzyPay PLUS for an instalment of up to 24 months at 9% p.a. No penalty fee for early payment.

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
RM30,000
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

The ever-increasing price of fuel, is all Malaysians have been talking about these past few months. 

Well, here comes your knight in shining golden armour, the Maybank Islamic Petronas Ikhwan Visa Gold Card-i!

You can earn up to 8% cashback from all Petronas service stations, without paying a single annual fee with 6% GST, ever!

Maybank Islamic Petronas Ikhwan Visa Gold Card-i, Benefits on the Road

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 TreatsPoints on your gold credit card.

How do you earn these reward points? Read on.

More Points, More Rewards

Whenever you spend on weekends at any Petronas petrol station nationwide, there will be 8% cashback to be earned. 

The weekday rate is not at all too bad, as you will be getting 1% cashback. 

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

Use your Maybank card when paying for your education, utilities, insurance and 0% EzyPay to earn 1x TreatsPoint as well!

As mentioned earlier, on top of redeeming Petronas petrol vouchers, you will also be able to exchange your reward points for other amazing prizes and air miles.

They can be redeemed via the Maybank TreatPoints Programme such as household items, furniture, kitchenware, and the latest tech gadgets.  

Maybank Islamic Ikhwan American Express Gold Card-i - Easy Application

Any regular Joe (read: Malaysian) can apply for Maybank Islamic Ikhwan American Express Gold Card-i 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. 

For expatriates, you must be earning a minimum yearly income of RM60,000 to be eligible.

Also, there will be non-compounding charges on your monthly credit card debts. What does that mean? Simply, you will not be charged interest on the interest you're already charged for - which is typical for any credit card from other banks.

Maybank Islamic Ikhwan American Express Gold Card-i Finance Charge

What is 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 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) and 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.

This change on the 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 Ikhwan American Express Gold Card-i are carried forward from the previous month's statement cycle and are paid in full.

What are the required documents to make an application?

To apply as a principal cardholder, please prepare the following documents accordingly.

For salaried employees:

  • Copy of IC (both sides) or Passport
  • Latest Income Tax Return
  • Latest 2 months salary slips
  • Latest 3 months savings account activity/current account statement

For self-employed:

  • Copy of IC (both sides) or Passport
  • Copies of the Business Registration Certificates
  • Latest 3 months bank statement

For expatriates:

  • Letter from employer confirming duration of employment contract in Malaysia

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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