Premium Lifestyle Benefits
Maybank Visa Signature Credit Card: Premium Rewards, Cashback & Exclusive Perks
Looking for a credit card that offers high cashback, exclusive travel privileges, and premium lifestyle benefits? The Maybank Visa Signature Credit Card is designed for frequent spenders who want to maximize savings and enjoy VIP experiences while spending on dining, travel, and daily essentials. With no annual fee and a wide range of benefits, this card is a great choice for savvy consumers who want to make the most out of their spending.
Maximize Your Cashback & Rewards with Maybank TreatsPoints
The Maybank Visa Signature Credit Card allows you to earn generous cashback and TreatsPoints, helping you save while you spend:
- 5% cashback on dining, groceries, and petrol transactions (capped at RM88 per month). That’s up to RM1,056 in savings per year when you maximize this benefit!
- 1x TreatsPoints for every RM1 spent on all other local retail transactions, allowing you to accumulate points for rewards.
- 5x TreatsPoints for every RM1 spent on overseas transactions, making this an excellent choice for international travelers.
- Redeem TreatsPoints for gifts, vouchers, air miles (Enrich Miles, KrisFlyer Miles, Asia Miles), or cashback. Every 50,000 TreatsPoints = RM100 cashback!
Pro Tip: Plan your big purchases around cashback categories to optimize your savings. Using this card for groceries, dining, and petrol ensures consistent monthly cashback returns. If you frequently travel overseas, the 5x TreatsPoints on foreign transactions can also be a fantastic way to earn air miles quickly.
Exclusive Travel & Lifestyle Perks
Frequent travelers will enjoy complimentary travel insurance, concierge services, and global privileges:
- Complimentary Travel Insurance up to RM2 million when you charge your full flight fare to the card. Additional travel inconveniences such as lost baggage or flight delays are covered up to RM3,000.
- Visa Airport Speed Pass, allowing you to enjoy priority clearance at selected international airports for a smooth travel experience.
- 24/7 Visa Concierge Service available worldwide in seven languages (English, Malay, Mandarin, Cantonese, Korean, Japanese, Thai) to assist with hotel bookings, restaurant reservations, event planning, and more.
- Access to Visa Signature Privileges, including discounts and exclusive offers on shopping, dining, entertainment, and travel worldwide.
- Worldwide Acceptance at millions of merchants and online platforms globally, making it an excellent card for frequent international travelers.
Why This Matters: If you frequently travel for work or leisure, having up to RM2 million in travel insurance and priority airport access can be a game-changer. You also gain peace of mind with 24/7 concierge services that can assist with bookings and travel arrangements no matter where you are.
Extra Perks & Features by Maybank
Aside from cashback and travel benefits, the Maybank Visa Signature Credit Card also offers flexible credit options and financial solutions:
- Maybank EzyPay & EzyPay Plus – Convert big purchases into 0% interest installment plans for up to 36 months.
- Maybank Cash Treats – Get quick cash when you need it with an easy cash advance feature.
- Balance Transfer Plan – Consolidate credit card debts into one with low interest rates, helping you manage repayments efficiently.
- No Annual Fee – Free for Life! Enjoy premium benefits with zero annual fees, making this card an affordable yet luxurious choice. Only the RM25 Sales & Service Tax applies annually.
Pro Tip: If you're someone who prefers flexible payment plans, the 0% EzyPay installment plan is a great way to manage large purchases without worrying about high interest rates.
Competitive Interest Rate of Maybank Visa Signature
The interest rate is between 15% per annum to 18% per annum depending on the condition of your repayments. They are illustrated below.
| Conditions of Repayments | Tiered Interest Rate (per annum) |
| Prompt Repayment every month | 15% |
| Prompt Repayment 10 out of 12 months | 17% |
| Prompt Repayment of less than 10 out of 12 months AND New Cardmembers |
18% |
You will still enjoy a 20-day interest-free period if the previous month’s outstanding balance is fully paid on time.
A 1% late payment charge (minimum RM10, maximum RM100) applies if the minimum payment is not made by the due date.
Understanding Finance Charges: If you're someone who clears their credit card balance every month, you won't have to worry about interest charges. However, if you tend to carry a balance, making prompt payments can save you from paying the highest tier of interest (18% per annum).
Eligilibility & Required Documents
To apply for this credit card, you must meet the following requirements:
- Malaysian citizen or expatriate working in Malaysia
- Minimum annual income of RM70,000
Required Documents
For salaried employees:
- Copy of IC (both sides) or Passport
- Latest 3 months’ salary slips
- Latest 6 months’ savings/current account statement
For self-employed individuals:
- Copy of IC (both sides) or Passport
- Business registration certificates
- Latest 6 months’ company/personal bank statement
For expatriates:
- Letter from employer confirming employment contract duration in Malaysia
Pro Tip: Having all your documents ready in advance can help speed up the approval process. If you're an expatriate, make sure your employment contract is valid for at least a year for better chances of approval.
Final Thoughts: Should You Apply?
If you're searching for a credit card that combines cashback rewards, travel benefits, and financial flexibility, the Maybank Visa Signature Credit Card is a top-tier option. With no annual fee, premium privileges, and high earning potential on TreatsPoints and cashback, this card is perfect for individuals who enjoy a rewarding lifestyle, frequent travel, and smart money management.
- Best For: High spenders who frequently dine out, drive, travel, or make large purchases.
- Not Ideal For: Those who do not meet the minimum income requirement or rarely spend on cashback-eligible categories.
