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)
RM137.80 annual fee
Earn up to 1x reward point

Benefits
Fees & Charges
Requirements
Features
Review
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Benefits

Because you should be rewarded for giving the bank your business

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
Earn	Spent
1 point on every RM1	on all retail

Your Maybank TreatsPoints earned expires in 3 years

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 Over	With Interest Rate At	When You Transfer
6 months	6% p.a. and no one-time upfront handling fee	from RM1000
9 months	9% p.a. and no one-time upfront handling fee	from RM1000
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	4.5% p.a. and no one-time upfront handling fee	from RM2000
36 months	4.95% p.a. and no one-time upfront handling fee	from RM2000

Learn more about Maybankard Balance Transfer Program

Easy Payment Plan (EPP)

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.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM50
6 months	0% p.a. and no one-time upfront handling fee	from RM50
10 months	0% p.a. and no one-time upfront handling fee	from RM50
12 months	0% p.a. and no one-time upfront handling fee	from RM50
18 months	0% p.a. and no one-time upfront handling fee	from RM50
24 months	0% p.a. and no one-time upfront handling fee	from RM50

Learn more about Maybankard EzyPay

Pay Over	With Interest Rate At	When You Spend
6 months	6.96% p.a. and 0% one-time upfront handling fee	from RM500 up to RM30000
12 months	7.92% p.a. and 0% one-time upfront handling fee	from RM1000 up to RM30000
18 months	9% p.a. and 0% one-time upfront handling fee	from RM3000 up to RM30000
24 months	9% p.a. and 0% one-time upfront handling fee	from RM5000 up to RM30000

Learn more about Maybankard EzyPay PLUS

Travel

Not wanting to spend too much on a standalone travel insurance policy? Enjoy up to RM500,000 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 Coverage	Sum Insured
Travel Insurance	Up to RM500000
Missed Flight	Up to RM300
Lost Luggage	Up to RM750
Delayed Luggage	Up 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.

Fees & Charges

There are always fees but how much are they?

Annual Fee: RM137.80
Annual Fee for Supplementary Card: RM68.90
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: RM19.08 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals: 18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income: RM36000
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: Malaysians and Expatriates

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?

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 RM500,000, 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

Anyone can apply for the Maybank MasterCard Gold - that includes both Malaysians and expatriates. All you need to be eligible is a minimum yearly income of only RM36,000 for Malaysians while expats need a minimum income of RM60,000.