Maybankard 2 Gold Cards credit card

Maybankard 2 Gold Cards

Unleash the power of 2 with Maybankard 2 Gold Card – apply for a MasterCard and get an American Express Card absolutely free!

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 0% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 5x reward points 

Apply online now for Maybankard 2 Gold Cards

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Get 5% cashback on all dining charged to your Maybankard 2 American Express Card during the weekend. Capped at RM50 per month.
Discover how much you can save when you shop with your new Maybankard 2 Gold Cards
Cashback CategoryCashback RateMonthly CapSpend
DiningSpendany amount in a single receipt on weekends only5%RM50any amount in a single receipt on weekends only
Rewards
5X TreatsPoints for all spend on your Maybankard 2 American Express Card. Also, you can earn 1x TreatPoint on all your spending with Maybankard 2 MasterCard.
Maybank TreatsPoints
EarnSpent
5 points on every RM1on all local and overseas retail with Maybankard 2 American Express Card
1 point on every RM1on petrol, utilities, education, insurance and EzyPay Instalment with Maybankard 2 American Express Card
1 point on every RM1on all retail with Maybankard 2 MasterCard
Your Maybank TreatsPoints earned expires in  3 years
Balance Transfer
The Maybank Balance Transfer Programme 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 3% 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)
Maybank EzyPay offers payment terms of up to 24 months, at 0% interest, on purchases from approved merchants. For all other purchases, you can opt to Maybankard EzyPay PLUS for instalment of up to 24 months at 9% p.a.. No penalty fee for early payment.
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 months9% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months9% p.a. and 0% one-time upfront handling feefrom RM500 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
Petrol
Enjoy 1x TreatPoint on all your petrol transactions with Maybankard 2 American Express Card.
Low Interest Rate
Enjoy a low Finance Charge of 8.88% p.a. on your outstanding retail balance.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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
RM10.60 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM30000
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.

Maybankard 2 Gold Cards review

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

Two is better than one. Rings a bell? Yes, this is a pop song by Boys Like Girls featuring Taylor Swift, and it is also the philosophy behind Maybankard 2 Gold Card. This credit card scheme awards cardholders with 2 cards – Maybankard 2 MasterCard and Maybankard 2 American Express Card – in one single application.

More Reward Points

Maybankard 2 Gold Card rewards its cardholders handsomely. With every RM1 charged to Maybankard 2 American Express Card, cardholders will receive 5 TreatPoints.Moreover, you can earn 1x TreatPoint on your spending for petrol, utilities, education, insurance, EzyPay and EzyPay PLUS.

For similar expenditure charged to Maybankard 2 MasterCard, 1 TreatPoint can be earned for each RM1 spent. However, the government-related transactions are not eligible for TreatPoints. With such a generous reward points system, cardholders can easily and quickly accumulate points to redeem a wide variety of goodies such as shopping vouchers, travel packages, household items, lifestyle gadgets, gifts and more. Maybank Credit Card TreatsPoints have a 3-year expiration period.

Weekend Cashback

Understanding the lifestyle of most Malaysian families, Maybankard 2 Gold Card offers a 5% cashback on dining transaction charged to Maybankard 2 American Express Card on Saturdays and Sundays. Most working individuals or families only have time to eat out together on the weekends. Hence, this card is perfect to help them save more during their weekend.

Spend some quality time with your family and friends. All you need to do is to bring them out during the weekend to any eating places, be it a restaurant, bar, fast food chain or even nightclubs and charge it to Maybankard 2 American Express Card. Monthly cashback is capped at RM50 per month, giving you a whooping savings of RM600 per year.

Financial Management

Cardholders are also entitled to Maybank Balance Transfer to manage their finances. They can transfer outstanding balances from any credit card to the two credit cards under Maybank 2 Gold Card.

For maximum flexibility, cardholders can choose from 5 different plans with repayment periods spanning from 6 to 36 months. Depending on the plan chosen, interest rates can range from 0% to 0.75% per month.

Low Interest Rate

Maybankard 2 Gold Card has an attractive effective annual percentage rate ( APR) of 8.88%. Compared to the lowest 15% rate stipulated by Bank Negara Malaysia, this offer will help cardholders save a significant amount of interests on outstanding card balances.

Easy Payment Scheme

For high-priced purchases, cardholders can use the flexi payment plan under Maybank EzyPay to help ease the burden of a large lump sum payment. With payment terms of up to 36 months, at 0% interest, on purchases made from approved merchants, you can stretch your Ringgit further and not worry about burning a big hole in your pocket.

Power Duo

With the minimum eligible income level set at RM30,000 per year, Malaysians above 21 years old can apply for Maybankard 2 Gold Card. Best of all, both principal and supplementary cards are free for life. Packed with so many features to help cardholders save more and manage their finances, the Maybankard 2 Gold Card is a dynamic duo to be reckoned with. Expats applying need to earn a minimum annual income of RM60,000.

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