Maybank MasterCard Gold

Enjoy great travel, dining, and shopping privileges whether you're in Malaysia or abroad. Collect TreatsPoints to redeem rewarding gifts and also waive annual fee!

Maybank MasterCard GoldFree Travel Insurance
Min. Income
RM2,500/month
Annual Fee
RM130
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 9% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

For every RM1 spend on retail, in Malaysia and overseas, you are entitled for 1x TreatsPoints. You may think RM1 is small number; try multiplying it 100x or more then you'll get the picture how great Maybank TreatsPoints program is. Collect enough TreatsPoints to exchange for more benefits and gifts under the program.

Maybank TreatsPoints
EarnSpend
1 point on every RM1on all retail

Travel

Not wanting to spend too much on a standalone travel insurance policy? Enjoy up to RM300,000 travel insurance coverage when you charge your travel tickets in full to Maybank MasterCard Gold. Don't be stranded in a foreign country without any clothes!

Travel CoverageSum Insured
Travel InsuranceUp to RM300,000
Missed FlightUp to RM300
Lost LuggageUp to RM750
Delayed LuggageUp to RM300

Premium

MasterCard Global Service: Have medical assistance benefits, pre-trip information, travel assistance such as emergency cash advance, card or ticket replacement, lost luggage assistance, and legal assistance in the event of emergencies.

Balance Transfer

Be smart with your money management. Merge all of your credit card debts to your Maybank MasterCard Gold and stop wasting money paying high interest rates as Maybank Balance Transfer has got interest rates as low as 0% and 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 Program

Easy Payment Plans

Maybank EzyPay offers payment terms up to 24 months, at 0% interest, on purchases from approved merchants. For all other purchases, Maybank EzyPay Plus lets you convert big purchase into smaller instalment up to 24 months at competitive interest rates.

Maybankard EzyPay PLUS
Pay OverWith Interest Rate AtWhen You Spend
6 months9% 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 months9% 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
  • RM130 primary card
  • RM65 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 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 Program
Save on your credit card bills with lower interest rates, choose the plan that meets your need, and enjoy a longer repayment period of up to 36 months

Review

In our modern world, credit cards are indispensable – gone are the days when you need to bring along heaps of cash in the street, with dangers constantly lurking by the bushes!

By having a plastic card, particularly Maybank MasterCard Gold, you will enjoy greater financial freedom, more space in your pocket and top notch security, everywhere, anytime.

Full-On Travel Protection

One aspect of security you can look at is travel insurance coverage worth RM300,000, effective whenever you charged your fare tickets in full to your Maybank MasterCard Gold. 

This is in addition to cash benefits you will receive when faced with inconveniences during your travel such as lost/delayed luggage or missed/delayed flight.

To top that off, you will be truly blessed with the help of MasterCard Global Service (MGS). Wherever you may be, have them a call for any emergencies hat require immediate attention such as medical assistance, legal assistance and travel assistance (pre-trip information, cash advance, card/ticket replacement, lost luggage).

TreatsPoints Reward Program

Be in control of your purchasing power. Spend RM1 at any retails, in Malaysia or overseas, and earn 1x TreatsPoints, with no limit on your TreatsPoints accumulation. 

If come to think of it, the more you spent, the better as your TreatsPoints will get higher and higher, thus enabling you to redeem for much better gifts, benefits and privileges under Maybank TreatsPoints program.

Line of Credits

Having bulks of cash is good for rainy days. With that in mind, Maybank MasterCard Gold goes extra miles by offering a line of credits for you to manage your finance efficiently. 

You can save on interest payment and have flexible repayment terms via Maybank Balance Transfer, Maybank EzyPay and Maybank EzyPay Plus. What if you're in short of cash? Get instant cash at competitive interest rate and flexible tenure via Maybank EzyCash or Maybank Cash Treats.

Easy to Handle

Getting a credit card means you have finally arrived in life - that also means you have the possibility of 'forgetting' to pay what you have owed. Knowing that, Maybank has provided you with easy bill payments by cash or cheque via Maybank branches, CDM or standing instruction.

Your card will also be accepted anywhere else in the world at over 892,000 ATM machines, in over 130 countries - that's one too many countries to visit in one lifetime.

Your Eligibility

Any Malaysian individuals can apply for the Maybank MasterCard Gold - all you need to be eligible is a minimum yearly income of only RM36,000.