Maybank Visa Gold credit card

Also available as Amex

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.

  • 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 

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
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
EarnSpent
1 point on every RM1on all retail
Your Maybank TreatsPoints earned expires in  3 years
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 months6% p.a. and no one-time upfront handling feefrom RM1000 
9 months9% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
36 months4.95% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about Maybankard Balance Transfer Program
Easy Payment Plan (EPP)
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..
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 
10 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 
Learn more about Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months6.96% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months7.92% p.a. and 0% one-time upfront handling feefrom RM1000 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
Great travel, dining and shopping privileges. Complimentary travel insurance coverage of up to RM500,000 when you charge your flight arrangements in full to your Maybank Visa Gold.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Missed FlightUp to RM300
Lost LuggageUp to RM750
Delayed LuggageUp to RM300
Premium
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.

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 Only

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 Visa Gold review

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

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.

TreatsPoints Rewards Program

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 redemption.

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 RM500,000. 

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 Maybank Visa Gold 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 Maybank Visa Gold 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 the 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!

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