Maybank MasterCard Gold credit card

Also available as Amex

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!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM130.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Rewards
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
EarnSpent
1 point on every RM1on all retail
1 point on every RM1on education, insurance, utilities and 0% EzyPay
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 RM1000 
9 months9% p.a. and 0% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months4.5% p.a. and 0% one-time upfront handling feefrom RM1000 
36 months4.95% p.a. and 0% one-time upfront handling feefrom RM2000 
Learn more about Maybankard Balance Transfer Program
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM50 
6 months0% p.a. and no one-time upfront handling feefrom RM50 
12 months0% p.a. and no one-time upfront handling feefrom RM50 
18 months0% p.a. and no one-time upfront handling feefrom RM50 
24 months0% p.a. and no one-time upfront handling feefrom RM50 
36 months0% p.a. and no one-time upfront handling feefrom RM50 
Learn more about Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months9% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months9% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
18 months9% p.a. and 0% one-time upfront handling feefrom RM3000 up to RM30000
24 months9% p.a. and 0% one-time upfront handling feefrom RM5000 up to RM30000
Learn more about Maybankard EzyPay PLUS
Travel
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 RM300000
Missed FlightUp to RM200
Lost LuggageUp to RM500
Delayed LuggageUp to RM200
Premium
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM130.00
Annual Fee for Supplementary Card
RM65.00
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM18.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Are you eligible for this credit card?

Minimum annual income
RM30000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Maybankard EzyPay
Maybankard EzyPay PLUS
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Maybankard Cash Treats
Maybankard EzyCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Maybankard Balance Transfer Program
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Maybank MasterCard Gold review

What's so good (or not so good) about it?

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.

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