Maybank Islamic Petronas Ikhwan Visa Platinum Card-i

Collect rewarding cashback on every spending made at Petronas - fuel or non-fuel transactions included. Enjoy the platinum benefit without any annual fees, ever!

Maybank Islamic Petronas Ikhwan Visa Platinum Card-iRewarding cashback!
Min. Income
RM5,000/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

8% cashback is awaiting you - head to PETRONAS station every Saturday and Sunday to enjoy a maximum of RM50 cash rebate every month! Otherwise, collect 1% cashback on spending made at Petronas every Monday until Friday.

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

Rewards

Use your Maybank Islamic Petronas Ikhwan Visa Platinum as a replacement for cash; with every Ringgit spent you earn 1 TreatsPoint. TreatsPoints are also up for grabs when spending at PETRONAS or any other petrol station, with the exemption of government-related/JomPay transactions. The accumulated TreatsPoints can be redeemed with gifts, vouchers and air miles (20,000 TreatsPoints are equivalent to 1,000 Enrich/KrisFlyer/Asia Miles).

Maybank TreatsPoints
EarnSpend
1 point on every RM1on retail, education, insurance, utilities and 0% EzyPay, except government bodies/JomPay

Petrol

You may get to enjoy free petrol with TreatsPoints. Simply collect as much as you can and use them to redeem Petronas petrol vouchers.

Balance Transfer

Need to settle some credit card debt, look no further than the Maybank Islamic Balance Transfer, it offers low-interest rates and longer payment terms of 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 up to 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt for Maybank EzyPay PLUS for instalments 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
RM60,000
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

Why should I apply for Maybank Islamic Petronas Ikhwan Visa Platinum Card-i?

Highlights of Maybank Islamic Petronas Ikhwan Visa Platinum Card-i

Highest cashback rate 8% cashback on weekends only with NO minimum spend
Highest cashback amount RM50 per month
Maximum spends to earn the highest cashback amount RM625 per month
Eligible spend to earn the highest cashback rate Fuel and non-fuel spending at Petronas only
Eligible Cardholder(s) Principal and Supplementary

A Shariah-compliant credit card that earns attractive Maybank TreatsPoints when you spend at any Petronas service station nationwide.

This credit also comes with no annual fee when you sign up, enabling you to save even more!

Spending Benefits
CASHBACK
PETRONAS Stations
TREATSPOINTS
PETRONAS Stations
TREATSPOINTS
Education, Insurance, Utilities, 0% EzyPay
  • Weekend 8%
  • Weekday 5%

Capped at RM50 / month
  • Weekend 8x Points
  • Weekday 5x Points
1x Point

HUGE bonuses on reward points on the weekend - you’ll get 8x TreatsPoints when you spend at Petronas stations every weekend.

Weekday spending gets better too with 5x TreatsPoints for every RM1 you swipe your Maybank Islamic Petronas Ikhwan Visa Platinum Card-i.

The great thing is, that when you've collected enough TreatsPoints, you can exchange them for Petronas Petrol vouchers, other gifts from eligible merchants and even air miles.

Think about it, you spend RM100s on petrol every month - this is a great opportunity to save on your expenses, and keep them safe in a savings account.

However, the following transactions are not eligible for TreatsPoints.

  • Government-related spending
  • JomPay transactions

In addition to TreatsPoints, enjoy Mesra points at all Petronas stations with any purchase of fuel or any items from the Kedai Mesra store.

Eligibility and Required Documents

Any Malaysian and expatriate aged 21 to 65 years old earning a minimum annual income of RM60,000 is eligible to apply.

Remember to prepare these documents to make an application.

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 Certificate
  • Latest 3 months bank statement

For expatriates:

  • Letter from employer confirming duration of employment contract in Malaysia

What is the finance charge on the outstanding balance?

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 Petronas Ikhwan Visa Platinum Card-i are carried forward from the previous month's statement cycle and are paid in full.

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