Maybank Visa Gold

A Visa card with bigger and better benefits for folks who want to upgrade their Classic cards and enjoy exclusive dining, shopping, and travel perks.

Maybank Visa GoldFree Travel Cover
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn 1x TreatsPoints on every Ringgit that you charged to your credit card to redeem a wide range of rewards. Maybank Credit Card TreatsPoints have a 3-year expiration period.

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


Great travel, dining and shopping privileges. Complimentary travel insurance coverage of up to RM300,000 when you charge your flight arrangements in full to your Maybank Visa Gold.

Travel CoverageSum Insured
Travel InsuranceUp to RM300,000
Missed FlightUp to RM200
Lost LuggageUp to RM500
Delayed LuggageUp to RM200


Visa Emergency Assistance Centre: Enjoy emergency cash advance, card replacement, medical, legal and travel assistance, ticket replacement, lost luggage assistance and more in the event of emergencies.

Balance Transfer

The Maybank Balance Transfer Program offers interest rates from 0% and payment terms up to 36 months with a minimum transfer amount of RM1,000.

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

Why buy later when you can buy it now? Save money with 0% interest instalment plans with up to 36 months payment period. For all other purchases, you can opt to Maybankard EzyPay Plus for low rates instalment of up to 24 months.

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 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.
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 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


If you own a Classic credit card and want an upgrade, think about switching to Maybank Visa Gold credit card for a higher credit limit and more perks.

Even if you have not owned a Classic card before, Maybank Visa Gold is still a good start - with a rewarding gift redemption program, and travel benefits for your enjoyment.

Enjoy TreatsPoints Rewards Program from Maybank Visa Gold

All credit cards issued by Maybank are eligible for the Maybank TreatsPoints Redemption Program, including Maybank Visa Gold is no exception. 

Spend RM1 on retail transactions, you can 1x TreatsPoints at all local and international stores.

You will be spoilt for choice with gifts ranging from various categories such as hotel deals, dining and shopping vouchers, waivers for annual fees and service tax and air miles for Malaysia Airlines and Singapore Airlines. 

Note that Maybank TreatsPoints have a 3-year shell life - don't forget to make the redemption.

Maybank Visa Gold Travel Benefits

Even for a Gold credit card, one cannot argue the extent of benefits which Maybank Visa Gold offers, especially for avid travelers. 

One of them is complimentary travel insurance coverage of up to RM300,000. 

There is no paperwork, no annual premium, no renewal; all you need to do is to charge your travel tickets in full to Maybank Visa Gold.

In addition, Maybank Visa Gold cardholders also have access to Visa Emergency Assistance Centre, which provides a wide variety of services such as emergency cash advance; card replacement; medical, legal and travel assistance; ticket replacement; lost luggage assistance and more for your peace of mind.

Low Interest Rates

Also, an effective financial management tool, among the many benefits of having this Maybank credit card is its Maybank Balance Transfer plan. 

Under this program, you can transfer outstanding balances from other credit cards and charge cards to your Visa Gold credit card.

With five different payment plans to choose from, the consolidated debt can be paid off in 6 to 36 months with interest rates ranging from 0% to 0.75% per month. 

These low interest rates will help you save on interest payments while managing your balances efficiently.

0% Flexi Payment Plan

Shopping will be so much more enjoyable with this Maybank credit card. 

Spend for big-ticket items at any authorised merchants under Maybank EzyPay using your Maybank Visa and let them know your wish to convert it into a flexi payment. 

This easy payment plan gives you space and length to pay for your purchases at your convenience with 0% interest over a period of up to 24 months.

Not a Maybank EzyPay's merchant? Then select Maybank EzyPay Plus for the same benefits at lower interest rates.

Annual Fee Waiver

If you earn at least RM3,000 per month, you can apply for Maybank Visa Gold credit card at an annual fee of RM130 that is subjected to 6% GST. 

Interestingly, this annual fee can be waived using the TreatsPoints Redemption Program - go get shopping!

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