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
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


For every RM1 spent on retail, in Malaysia and overseas, you are entitled to 1x TreatsPoint. Collect enough TreatsPoints to exchange for more benefits and gifts under the program.

Maybank TreatsPoints
1 point on every RM1on all retail
1 point on every RM1on education, insurance, utilities and 0% EzyPay


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 RM200
Lost LuggageUp to RM500
Delayed LuggageUp to RM200


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

Balance Transfer

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 RM1,000
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 36 months, at 0% interest, on purchases from approved merchants. For all other purchases, Maybank EzyPay Plus lets you convert big purchases into smaller installment up to 24 months at competitive interest rates.

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 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 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


Minimum Annual Income
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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 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


Full-On Travel Protection with Maybank MasterCard Gold

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 that require immediate attention such as medical assistance, legal assistance and travel assistance (pre-trip information, cash advance, card/ticket replacement, lost luggage).

Maybank 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. 

On top of that, you will get 1x TreatsPoints for every RM1 spend on education institutions, utilities, insurance providers and 0% EzyPay.

If you 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.

Maybank MasterCard Gold 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 a 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 Maybank credit 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 to apply for Maybank MasterCard Gold

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.

Maybank Credit Card 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 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) that 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 miscellaneous fee (if any) EXCEPT Late Payment Charges

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 of your Maybank MasterCard Gold are carried forward from the previous month's statement cycle are paid in full.