Maybank World MasterCard

Earn Treats Air Miles that never expire and are convertible to Enrich Miles. 50,000 free Treats Air Miles upon approval, golf discounts, free Plaza Premium Lounge access and more!

Maybank World MasterCardEarn 5x Air Miles!
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get free 50,000 Treats Air Miles upon card approval. For every RM2 spent in Malaysia and every RM1 spent overseas, get 5x Treats Air Miles. For every 8,000 Treats Air Miles collected, you get to redeem 1,000 Enrich Miles.

Maybank Treats Air Miles
5 points on every RM1on all overseas retail expenses
5 points on every RM2on all local retail expenses
1 point on every RM1on utilities, education, insurance, petrol and 0% EzyPay


Complimentary 5x access to participating Plaza Premium Lounges in Malaysia and selected international airports each year! To top it off, you'll also get complimentary travel insurance of up to RM2 million which includes travel inconveniences such as luggage delay or loss and flight misconnection by simply charging the full fare of your flight ticket with this card. Both privileges are subject to terms and conditions.

Travel CoverageSum Insured
Travel InsuranceUp to RM2,000,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM3,000
Delayed LuggageUp to RM1,000


Valid until 31 December 2023, get complimentary green fees for cardmembers to play at 100 golf clubs worldwide, subject to a minimum spending of RM5,000 in the previous month. Plus, enjoy up to 40% off on dining (excluding alcoholic drinks) at Marriott Bonvoy participating hotels and resorts in Malaysia. Not to mention, exclusively with MasterCard Concierge Services, you will be taken care of anytime and anywhere for urgent matters involving lifestyle, medical assistance and cash-related emergencies. T&C apply to all.

Balance Transfer

Pay for outstanding balances transferred from other credit cards at interest rates as low as 0% with a payment period of up to 36 months with the Maybank Balance Transfer Program.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
9 months9% p.a. and no one-time upfront handling feefrom RM1,000
12 months12% p.a. and no 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

Maybank EzyPay offers interest-free shopping with a payment period of up to 36 months at approved merchants. For all other purchases, you can opt for Maybank EzyPay Plus for low rates in instalments of up to 24 months.

Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM1,000
6 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
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 RM500to RM30,000
12 months9% p.a.and no one-time upfront handling feefrom RM500to RM30,000
18 months9% p.a.and no one-time upfront handling feefrom RM3,000to RM30,000
24 months9% p.a.and no one-time upfront handling feefrom RM5,000to RM30,000
Learn more about Maybankard EzyPay PLUS

Fees & Charges

Annual Fee
  • RM800 primary card

    Free for first year

    Waived when you spend minimum RM80,000 in subsequent years

    4 free supplementary cards but for the 5th supplementary card onwards, RM500 will be charged

  • RM500 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
Contact-less Payment Methods


Minimum Annual Income
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians and Expatriates


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 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 needs and enjoy a longer repayment period of up to 36 months.


Free flights, an exclusive lifestyle, and travel privileges would be the icing on the cake for any serious traveller. 

Now, you can enjoy these benefits with Maybank World MasterCard - wherever you choose to roam, this credit card has got your back.

Maybank Online Acquisition 2023 Credit Cards Campaign

Maybank Credit Cards Online Acquisition Campaign 2023

From 1 October 2023 until 31 December 2023 (“Campaign Period”), be the first 150 eligible customers (first 50 customers every month per card scheme) throughout the Campaign Period to grab an RM200 cashback prize. Terms and conditions apply!

Here’s an illustration of the campaign mechanics:

Card Scheme Prize Spend Criteria Campaign Period
Maybank/Maybank Islamic Visa Cards RM200 Cashback (capped at the first 50 eligible customers per card scheme every month)   Minimum retail spend of RM300 within the first 45 days from the card approval date   1 October 2023 - 31 December 2023  
Maybank/Maybank Islamic Mastercard Cards
Maybank/Maybank Islamic American Express Cards

To be eligible for the prize, you must be either:

  • New-to-bank individuals; or
  • Existing customers of Maybank who are a resident of Malaysia aged 21 years at the time of applying and have yet to own any existing Visa, Mastercard or American Express principal credit cards issued by Maybank/Maybank Islamic

If you fall under the mentioned eligibility criteria, here are the steps to take part in this campaign:

  • Make an online application for any of the eligible credit cards (or more) via the Maybank2u website or the MAE App within the Campaign Period
  • Complete the e-application form and upload all the required supporting documents
  • Wait for approval from the bank
  • Once approved, perform a minimum retail spend of RM300 within the first 45 days from the card’s approval date to be eligible

If you require any help or enquiries regarding this campaign, please contact Maybank’s Customer Care Hotline at 1-300-88-6688 or +603 7844 3696.

Get 50,000 Treats Air Miles with Maybank World MasterCard

Spending with Maybank World MasterCard can simply let you redeem free flights the fastest - 50,000 Treats Air Miles will be rewarded upon card approval; 5x Treats Air Miles for every RM2 spent in Malaysia and 5x Treats Air Miles for every RM1 charged overseas.

Accumulating enough Treats Air Miles, you can redeem free flights from Malaysia Airlines based on the conversion rate of 8,000 Treats Air Miles for 1,000 Enrich Miles. 

With such a good rate, no wonder your passport is always nearly full for just less than a year!

Moreover, the Maybank Treats Air Miles have no expiry date, giving you plenty of time to collect points and redeem the flight of your choice.

Maybank World MasterCard Travel and Insurance Benefits

Travelling with this Maybank credit card will give you a new experience at the airport. 

You will be accorded complimentary 5x access to participating Plaza Premium Lounges in Malaysia and selected airport lounges overseas where you can enjoy free refreshments as well as working and leisure facilities. Click to find out more details about the airport lounge access benefit.

Charge your full airfares to Maybank World MasterCard, you will receive complimentary travel insurance coverage of up to RM2 million and travel inconvenience benefits for missed flight connections, luggage delays and lost luggage of up to RM3,000.

Another important feature of Maybank World MasterCard is the MasterCard Concierge Services, a 24-hour service to assist cardholders in hotel bookings, car rentals, flight and dining reservations, medical emergencies or any other situations during their travel.

Dining and Golf Privileges

With the Maybank World MasterCard credit card, you get to enjoy a great discount of up to 40% on your dining bills at Marriott Bonvoy participating hotels and resorts in Malaysia (validity: until 31 December 2023).

Whether you're planning on a romantic dinner with your special one or having a party of 10 people, eat all you can and pay half of the bill!

That's not all, you can also practice your swing at 100 participating golf clubs worldwide when you book with this credit card, applicable to both principal and supplementary cardholders. Bring your guest(s) along and enjoy 10% off! Please note that you need to spend a minimum amount of RM5,000 in the previous month to enjoy the complimentary green fees and the promotion is valid until 31 December 2023.

Click here for the list of the participating golf clubs

Maybank World MasterCard 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 of less than 10 out of 12 months AND New Cardmembers 18%

Previously, the finance charge was only imposed on the below that were 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 balances including all fees and charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are fully settled.

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 the miscellaneous fee (if any) EXCEPT Late Payment Charges

A 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 the 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-day interest-free period, provided that the outstanding balances of your Maybank World MasterCard are carried forward from the previous month's statement cycle and are paid in full.

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