Maybank Islamic World Mastercard Ikhwan

Travel the world with class! Enjoy great TreatsPoints, free travel Takaful coverage, complimentary airport lounge access, exclusive World Mastercard privileges and so much more.

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 a bonus of 10,000 TreatsPoints upon card activation and your first card spend. In addition, get 5x TreatsPoints for every RM2 and RM1 spent locally and overseas, respectively. Meanwhile, spending on utilities, petrol, education, EzyPay and insurance gets you 1x TreatsPoints. Plus, the more TreatsPoints are collected, you will get to redeem them with air miles. Every 10,000 TreatsPoints is equivalent to 1,000 Enrich Miles, KrisFlyer Miles and Asia Miles. Please note that no TreatsPoints will be rewarded for government bodies' transactions.

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

Petrol

Earn 1x TreatsPoints for every RM1 whenever you refuel at your preferred petrol stations nationwide.

Travel

Enjoy 5x complimentary annual access to participating Plaza Premium Lounges in Malaysia and overseas. Don't forget to charge all your travel fares using this credit card to enjoy complimentary travel takaful worth up to RM2 million, which also includes travel inconveniences such as flight delays, luggage loss and others.

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

Enjoy special privileges brought to you by Mastercard and World Mastercard. You'll be able to get superior credit lines, 24/7 service to cater to your travelling needs, and many more! Plus, for every cross-border spend you make with this card, 0.2% of that amount will be donated to Waqaf and Zakat managed by Maybank Islamic. This benefit is subject to a capping of RM100 per month per card member. In addition, enjoy golf privileges at participating golf clubs in Malaysia and abroad, subject to a minimum spend of RM5,000 in the previous month's statement, valid until 31 December 2024 with terms applied. Furthermore, get up to 40% discount (excluding alcoholic drinks) at selected restaurants of Marriott Bonvoy Hotels & Resorts in Malaysia until 31 December 2024. T&C apply.

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
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 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 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
  • RM800 primary card

    Free for first year and waived when you spend at least RM80,000 per annum on the subsequent years

    4 free supplementary cards but for the 5th supplementary card onwards, RM400 will be charged

  • 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
payWave

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!
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.

Get 10,000 TreatsPoints with Maybank Islamic World Mastercard Ikhwan

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

Start collecting your TreatsPoints as 10,000 TreatsPoints can get you 1,000 Enrich Miles, KrisFlyer Miles and Asia 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 TreatsPoints Every RM2 spent locally
5X TreatsPoints Every RM1 spent overseas
1X TreatsPoint On utilities, petrol, education, EzyPay and Insurance transactions

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

5X complimentary access at participating Plaza Premium Lounge

Exclusively for World Mastercard Ikhwan cardholders, you are entitled to 5 times complimentary access throughout the year to participating Plaza Premium Lounges in Malaysia and overseas, subject to terms and conditions. Please read through the T&C to find out more details about this privilege.

And if you have guests with you, your accompanying guest will enjoy 20% savings each. 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 rates.

With this privilege, you can enjoy up to three hours of lounge use with food and beverages, internet access, international newspapers and magazines, international TV channels, shower facilities with amenities and flight information. Enjoy that peace of mind before you take off because you've worked hard and you deserve it!

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 complimentary travel takaful coverage of up to RM2 million which includes travel inconveniences such as missed flight connections, luggage delays and lost luggage of up to RM3,000. 

On top of that, this complimentary travel takaful coverage will also cover funeral expenses under the "Khairat Kematian" category for up to RM2,500 in the event of an unfortunate accidental death while travelling. 

All are subject to the terms and conditions of the policy.

Get 24/7 Mastercard global concierge service

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

Charity donations via Waqaf and 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 managed by Maybank Islamic. What this means is that you give a portion of all your spending back to charity.

Finance charges of Maybank Islamic World Mastercard Ikhwan

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 of 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 balances 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.

The change made on the finance charges 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 carried forward from the previous month's statement cycle of your Maybank Islamic World MasterCard Ikhwan 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 BE form with an official tax receipt
  • Latest 3 months salary slips
  • Latest 6 months savings account activity/current account statement

For self-employed:

  • Copy of IC (both sides) or Passport
  • Copies of the Business Registration Certificates
  • Latest 6 months bank statement

For expatriates:

  • Letter from employer confirming duration of employment contract in Malaysia
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