Maybank Islamic World Mastercard Ikhwan

Travel the world with class. Enjoy 2x TreatsPoints on spending, free Takaful coverage, free airport lounge access for 5x a year, plus dining and golfing privileges.

Maybank Islamic World Mastercard Ikhwan10K TreatsPoints on first spend!
Min. Income
RM8,333.33/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

Get free 10,000 TreatsPoints upon card activation & first spend - any amount. For every RM2 spent in Malaysia and RM1 spent overseas, get 5x TreatsPoints. Redeem 1,000 Enrich Miles for every 6,000 Treats AirMiles you have collected!

Maybank TreatsPoints
EarnSpend
5 points on every RM2on all local retail transaction
5 points on every RM1on all overseas retail transaction
1 point on every RM1on utilities, petrol, education, EzyPay and insurance transactions

Petrol

Earn 1x TreatsPoint whenever you refuel at your preferred petrol stations.

Travel

Make use of your 5x free access to participating Plaza Premium Lounges in Malaysia and across the globe to relax before you take off.

Travel CoverageSum Insured
Travel InsuranceUp to RM2,000,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM3,000
Delayed LuggageUp to RM1,000

Premium

Complimentary Green Fees for cardmembers to play at golf clubs in Malaysia and overseas. With MasterCard's 24-hour Global Concierge Services, you will be taken care of anytime and anywhere for urgent card-related matters. Enjoy up to 40% discount (excluding alcoholic drinks) at participating restaurants of Marriott Bonvoy for a maximum of 10 diners, valid until 31 December 2022.

Balance Transfer

Pay for outstanding balances transferred from other credit cards at interest rates as low as 0% with a payment period 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
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

Maybank EzyPay offers interest-free shopping with a payment period of up to 36 months at approved merchants. For all other purchases, you can opt for Maybank EzyPay Plus for low rates instalments of up to 24 months.

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
  • RM800 primary card

    Free for first year

    Waived when you spend RM80,000 for subsequent years

    4 free supplementary cards

  • RM400 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
RM100,000
Minimum Age
  • 21 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!
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.
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

Wherever you are around the world, enjoy exclusive privileges when you travel, dine, shop or golf with Maybank's Islamic World Mastercard Ikhwan.

Bring home an exciting reward with Maybank Mastercard credit cards

Maybank credit card 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!

Get 10,000 TreatsPoints with Maybank Islamic World Mastercard Ikhwan

Your Islamic World Mastercard Ikhwan card rewards you right from your first purchase. Regardless of the amount, 10,000 TreatsPoints will be rewarded to you. 

Start collecting your TreatsPoints as 6,000 TreatsPoints can get you 1,000 Enrich Miles. This would mean that you are on your way to redeeming free flights for your next trip!

Here are ways you can earn TreatsPoints:

5X TreatsPointsEvery RM2 spend locally
5X TreatsPointsEvery RM1 spend overseas
1X TreatsPointOn utilities, petrol, education, EzyPay and Insurance transactions

Do note that no TreatsPoints are rewarded for Government bodies' transactions.

5X Complimentary Access at Plaza Premium Lounge

Exclusively for World Mastercard Ikhwan cardholders, you are entitled to 5 times complimentary access throughout the year to Plaza Premium Lounges in Malaysia and around the world.

If you have guests with you, your accompanying guest will enjoy 20% savings each.

You can enjoy up to 3 hours of lounge use with food and beverages, internet access, international newspaper and magazines, international TV channels, shower facilities with amenities and flight information.

For globe-trotters who worry if you exceed the 5 complimentary passes, don't fret as you'll be given a 20% discount from the published walk-in rate.

You only need to present your credit card at the Plaza Premium Lounge's counter.

Click here for Plaza Premium Local Lounge List

Click here for Plaza Premium International Lounge List

Mastercard Airport Experience (MCAE) by LoungeKey

Elevate your airport experience prior to boarding with exclusive dining offers and savings at top participating retailers at over 400 airports worldwide.

With only USD 27 per person per visit, you can enjoy:

  • Spa treatments prior to boarding
  • Retail therapy with exclusive savings at top participating retailers
  • Dining offers
  • Lounge Access with space to rest in more than 850 lounges worldwide

Enjoy Complimentary Travel Takaful Coverage with Maybank Islamic World Mastercard Ikhwan

Charge your full airfares to Maybank Islamic World MasterCard Ikhwan card, you will receive a complimentary travel insurance coverage of up to RM2 million and travel inconvenience benefits for missed flight connections, luggage delay and lost luggage of up to RM3,000. 

On top of that, this complimentary travel takaful insurance will also cover funeral expenses up to RM2,500 in the event of an unfortunate accidental death while travelling. 

Mastercard Global Concierge Service

Another important feature of this Islamic World MasterCard Ikhwan card is the MasterCard 24-Hour Global Concierge Service.

The service connects you to a representative who speaks your preferred language in assisting with hotel bookings, car rentals, flight and dining reservations, medical emergencies or any other situations during their travel.

Dining and Golfing Privileges

With the Maybank Islamic World Mastercard Ikhwan credit card, you get to enjoy a great discount of up to 40% on your dining bills at Marriott Bonvoy Participating Hotels and Resorts in Malaysia. 

Whether you're planning on a romantic dinner with your special one or having a party of 10 people, eat all you can and pay half of the bill!

That's not all, you can also practice your swing at golf clubs in Malaysia and overseas when you book with your Maybank Islamic World Mastercard Ikhwan credit card.

Please note that you need to spend a minimum amount of RM3,000 in the previous month to make the golf bookings.

Enjoy the dining and golfing privileges while you can, as they're only valid until 31 December 2022!

Waqaf & Zakat 

True to the values that matter with an Islamic credit card that abides by Shariah laws, 0.2% (capped at RM100 per month) from cross-border spending on your Maybank Islamic World Mastercard Ikhwan credit card will be donated to Waqaf and Zakat. 

What this means is that you give a portion of all your spending back to charity.


Maybank Islamic World Mastercard Ikhwan 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) and 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 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 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 carried forward from the previous month's statement cycle of your Maybank Islamic World MasterCard Ikhwan are paid in full.

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