Maybank has more credit cards to offer than any bank in Malaysia with benefits that help save you money on petrol, flights, shopping or household bills. Get them all with an easy online application.
From AMEX to MasterCard and Visa, Maybank credit cards offer dining and hotel discounts, travel and golfing privileges, petrol and grocery cashback, TreatsPoints, and many more—all at zero annual fees!
Maybank Credit Card Campaign FAQs:
For a limited time, qualified applicants of eligible Maybank credit card(s) will receive a free sign-up gift of an Apple Watch Ultra 3, capped at 3 units for every 50th qualified applicant.
This promotion runs from 26 January 2026 until 2 March 2026, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing principal cardholders who hold any Maybank credit cards or those who have cancelled their Maybank credit card within 6 months before the date of the flash deal application are not eligible.
How to be eligible for the gift?
Apply, get approved by Maybank, activate the new card, and subsequently make a minimum of one (1) retail transaction (no minimum amount is required) within 30 calendar days from the date of the card's approval to be eligible.
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
Maybank Credit Card Benefits and Rewards
Maybank credit cards offer different benefits depending on the card tier and network (Visa, Mastercard, or American Express).
TreatsPoints Rewards Programme
Most Maybank cards earn TreatsPoints that you can redeem for gift vouchers, retail items, or air miles:
Entry cards: 1x to 5x TreatsPoints per RM1 spent
Premium cards: 8x to 25x TreatsPoints per RM1 spent
Conversion to air miles: 20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles
TreatsPoints expire after 3 years, so redeem them regularly through Maybank's e-catalogue or at annual Treats Fair events.
Maybank holds an annual Treats Fair where principal cardholders can redeem TreatsPoints for electronics, household appliances, travel packages, and gift vouchers. If you miss the fair, you can redeem points year-round through:
MAE app: Browse the e-catalogue and redeem directly
Maybank2u website: Access the full redemption portal
Selected retailers: On-the-spot redemption at participating merchants
Remember that TreatsPoints expire 3 years from the month you earned them, so check your statement regularly and redeem before they lapse.
Cashback Cards
If you spend regularly on groceries and petrol, cashback cards give you direct money back on purchases:
Maybank myimpact Visa Signature: 8% cashback on all spending (RM36,000/year income)
Maybank Islamic Petronas Ikhwan: 8% cashback at PETRONAS on weekends (RM30,000/year income)
Cashback is typically credited to your statement monthly or quarterly, depending on the card.
Airport Lounge Access
Premium Maybank cards include complimentary access to Plaza Premium Lounges across Malaysia and worldwide.
Available on: Visa Infinite Card, World Elite Mastercard, and more!
How lounge access works:
Present your physical Maybank credit card at the Plaza Premium Lounge reception
Reception verifies your card tier and remaining complimentary visits
Complimentary access deducted from annual quota
After the quota is exhausted, subsequent visits are charged at USD27 per person
Important limitations:
Blackout dates apply during major holidays (Chinese New Year, Ramadan, Christmas, New Year)
Some lounges may have capacity restrictions during peak travel periods
Complimentary access counts per calendar year (resets 1 January)
You cannot carry forward unused visits to the following year
Golf Privileges
Premium Maybank cards (Visa Infinite, Ikhwan Visa Infinite, World Elite Mastercard, Manchester United Visa Infinite, and Premier cards) include complimentary green fees at selected golf clubs.
Coverage:
20 golf clubs in Malaysia
80 golf clubs overseas (Singapore, Indonesia, Thailand, China, Australia, UAE)
Full list available through Maybank Premier Card Services
How to book:
Call Maybank Premier Card Services at 1800 22 1111
Booking must be made through Maybank only (golf clubs don't accept direct bookings for this programme)
Book at least 3 days in advance for best availability
Confirm the minimum number of golfers in your flight
Travel Insurance Coverage
Premium Maybank credit cards, Visa Infinite / Ikhwan Visa Infinite, Visa Signature / myimpact Visa Signature, Platinum cards (Visa/Mastercard) include automatic travel insurance coverage when you charge your full airfare to the card.
Up to RM700,000 coverage
Basic travel protection for emergencies
Important requirement:
Full airfare must be charged to your Maybank credit card to activate coverage
Partial payment or payment with other cards voids insurance
Even if you later balance transfer or pay from another source, the initial full charge to your Maybank card activates the coverage
How to make claims:
Contact Maybank Customer Care immediately when an incident occurs
File police report for theft or loss incidents
Obtain medical reports for health-related claims
Submit claim within specified timeframe (check PDS for exact requirements)
Provide all receipts and supporting documents
Visa Airport Speed Pass
Visa Infinite cardholders enjoy fast-track immigration at over 280 international airports worldwide through Visa Airport Speed Pass.
What it provides:
Dedicated immigration lanes at participating airports
Significantly reduced wait times during peak travel periods
Available at major airports across Asia Pacific, Europe, and the Americas
Convert retail purchases into monthly instalments at 0% interest for up to 36 months. Currently, there's a promotion for 0% with no upfront fee for 12 months (valid until 31 March 2026). Available for both conventional and Islamic credit cards.
Transfer outstanding balances from other banks' credit cards to your Maybank card at 0% for 12 months with no upfront fee during the promotional period (23 June 2025 - 31 March 2026). This helps consolidate your debts and manage repayments more effectively.
You can also withdraw cash against your credit card through Cash Advance or EzyCash, though interest charges apply from the withdrawal date with no interest-free period.
Contactless Payment Technology
All Maybank credit cards support contactless payment methods for faster, more convenient transactions.
Tap-and-go payment:
Visa PayWave
Mastercard Contactless
American Express Contactless
Mobile wallet integration:
Apple Pay (all eligible cards)
Google Pay (Visa and Mastercard only)
Samsung Pay (Visa and Mastercard only)
Contactless transaction limits:
Up to RM250 per transaction without PIN entry
Amounts above RM250 require PIN verification
Daily cumulative limit may apply based on merchant restrictions
Security features:
Tokenization technology (card number not transmitted during payment)
Dynamic authentication for each transaction
Instant transaction notifications via the MAE app
Ability to block/unblock card instantly through app
Purchase Protection
Premium Visa and Mastercard cards include purchase protection for items bought with the card:
What's covered:
Theft or accidental damage within 90 days of purchase
Electronic items and valuable goods
Coverage amount varies by card tier
What's not covered:
Items purchased for business use
Perishable goods, plants, animals
Vehicles, boats, aircraft
Used or refurbished items
Priority Banking Access (Premium Cards)
Note: Premier Wealth facilities (which previously included priority banking access) are now exclusively available for Maybank customers with Private Banking accounts only and are no longer applicable for credit cardholders.
Premium credit card benefits now focus on:
Travel perks (lounge access, insurance, golf)
Dining privileges
TreatsPoints acceleration
Dedicated customer service lines
Former Premier Wealth banking privileges have been separated from credit card benefits.
Dining Discounts
Maybank cardholders get up to 40% discount on food and beverages at participating Marriott Bonvoy hotels and resorts in Malaysia. This discount varies by outlet and time, so check current offers through the Maybank website before dining.
Best Maybank cashback credit card for petrol and groceries
A card that pays for your lifestyle with up to 5x TreatsPoints and 5% cashback on petrol and groceries spent. Enjoy VIP treatment with a Visa speed pass and 24-hour concierge service.
Apply for Maybank 2 Cards and pay zero annual fees for life for your American Express, Mastercard, or Visa. Extra rewards with AMEX include 5x TreatsPoints on all retail and 5% cashback on weekend spending.
Minimum income: RM30,000/year Annual fee: Free for life Key benefit: Two cards (AMEX + Visa/Mastercard) with 5% weekend cashback
A free-for-life credit card that collects 8x TreatsPoints on petrol and grocery transactions every weekend. When accumulated enough, the TreatsPoints can be redeemed for great gifts, vouchers, or free flights at a conversion rate of 20,000 TreatsPoints = 1,000 Enrich Miles/KrisFlyer Miles/Asia Miles.
Minimum income: RM60,000/year Annual fee: Free for life Key benefit: 8x TreatsPoints on weekend petrol and groceries
Best Maybank Islamic credit card with airport lounge access
Travel the world with class. Enjoy 5x TreatsPoints on local and overseas retail transactions, free Takaful coverage, free airport lounge access 5 times a year, as well as dining and golfing privileges.
Minimum income: RM100,000/year Annual fee: Waived with minimum spending Key benefit: Shariah-compliant with airport lounge access
Best Maybank AMEX credit card for unlimited cashback
Grocery shopping and retail therapy will never be dull again with AMEX. Enjoy unlimited cashback on local and overseas spending, and save up to 50% on exclusive dining.
Minimum income: RM30,000/year Annual fee: Waived with minimum spending Key benefit: Unlimited 1.5% cashback on all spending
Where to Find Maybank Credit Card Terms and Conditions
Here is your guide to quickly locating the key information for your Maybank credit card:
The Official Online Source: Maybank2u Website
The definitive and most current place to find your card agreement is on the official Maybank website.
Cardholder Agreement (The Full T&C): This comprehensive document details everything from card acceptance and liability to default clauses and the specific fees for your card type. Search the Maybank website's "Cards" or "Terms & Conditions" section for the agreement corresponding to your card name (e.g., "Maybank Visa Signature Card Agreement").
Product Disclosure Sheet (PDS): For a quick summary of the essential details, the PDS is your go-to document. It clearly outlines the minimum payment, interest rates (which are tiered based on repayment history), and core fees in a concise format mandated by Bank Negara Malaysia. You should read the PDS for your specific card type (e.g., "PDS Maybank 2 Cards").
Physical and Digital Statements
Welcome Kit: You received the full Cardholder Agreement (T&C) in the welcome package when your card was first delivered and activated.
Monthly Statements: Your e-Statements (accessible via Maybank2u or the MAE App) always contain your current Minimum Payment amount, Due Date, and the Finance Charge rate applicable to your account.
Direct Assistance
If you have any trouble locating the specific file or require immediate clarification, always reach out to Maybank Customer Care:
Maybank Group Customer Care: Call the number printed on the back of your credit card or dial 1300-88-6688 (within Malaysia). You can request that a copy of the Cardholder Agreement be sent to your registered email address.
Eligibility Criteria
On each of the Maybank credit card pages on our website, you can find the eligibility criteria under "Requirements".
Otherwise, you can have a quick look at the table below.
*Please note that the minimum income requirement for expatriates might be different.
Documents Required to Apply for a Maybank Credit Card
If you’re wondering how to apply for a Maybank credit card, look no further. Submitting an online application is easy to do, and it’s easy to check your application status this way as well. Just make sure you fulfil the Maybank requirements and have the prerequisite documents ready at hand.
In general, these are the documents that you need to prepare to apply for a Maybank credit card:
DOCUMENTS FOR MAYBANK CREDIT CARD APPLICATION
Salaried Employee
Self-Employed
Expatriate
✔ Copy of IC (both sides) or Passport
✔ Latest BE form with an official tax receipt ✔ Latest 3-month salary slip ✔ Latest 6-month savings account or current account statement
✔ Copy of IC (both sides) or Passport
✔ Copies of Business Registration ✔ Latest 6-month Bank Statement
✔ Copy of Passport
✔ Latest BE form with an official tax receipt ✔ Latest 3-month salary slip ✔ Latest 6-month savings account or current account statement ✔ Letter from employer confirming the duration of employment contract in Malaysia
Frequently Asked Questions (FAQs)
1. How do I check my Maybank credit card balance and recent transactions?
Online Banking (Maybank2u): Log in to the Maybank2u website to view your real-time balance and transaction history under the 'Cards' tab.
Mobile Banking (MAE App): Use the MAE app for instant access to your account balances.
Statements: View and download your monthly e-Statements (which include your balance) directly from the Maybank2u website under 'Services' or 'Bills & Statements'.
2. What is the minimum payment and late payment charges?
The minimum payment and late charges apply to most conventional and Islamic credit cards (excluding speciality cards like Maybank myimpact, which may have no late payment charge).
Minimum Monthly Repayment: You must pay at least 5% of your Total New Balance (or RM25, whichever is higher).
Late Payment Charge: If the minimum payment is missed by the due date, a Late Payment Charge will be levied at 1% of the unpaid outstanding balance (minimum RM10) up to a maximum of RM100.
3. How do I activate my new Maybank credit card and set my PIN?
Both processes can be managed through the Maybank2u website:
Activation:
Log in to Maybank2u.
Go to 'Settings' → 'Manage Credit Cards'.
Select 'Activate Card' and follow the on-screen prompts, confirming with SecureTAC or SMS TAC.
Set/Change PIN:
Log in to Maybank2u →'Settings' → 'Manage Credit Cards'.
Select 'Set PIN', key in your preferred 6-digit PIN, and confirm using SecureTAC or SMS TAC.
4. What is the expiry period for my Maybank TreatsPoints?
For most standard Maybank credit cards, TreatsPoints have an expiration period of three (3) years from the month they were earned.
The expiry date will be clearly indicated on your monthly credit card statement.
Note: Certain premium cards (like Visa Infinite or World Mastercard enrolled in the Rewards Infinite program) may offer non-expiring points. Always refer to your specific card's Product Disclosure Sheet.
5. What travel benefits (insurance/airport lounge access) are included when I use my card for flights?
Complimentary travel insurance and lounge access are key benefits of Maybank's premium credit cards (Signature, Infinite, World Elite):
Travel Insurance: Complimentary Travel Personal Accident Insurance (up to RM1 million or RM2 million, depending on the card tier) is generally provided when you charge the FULL cost of your flight tickets to an eligible card. Coverage often includes lost/delayed luggage and missed flight connections.
Lounge Access: Cards like the Maybank Visa Infinite or World Elite Mastercard typically offer a specific number of complimentary annual access passes (e.g., 5 times) to participating Plaza Premium Lounges locally and overseas.
Benefit levels vary significantly by card tier; always check the PDS for your specific card to confirm exact coverage amounts and lounge access quotas.
Apply for a Maybank Credit Card
Credit card applications can be made online on RinggitPlus!
All you have to do is compare all the Maybank credit cards and apply online. Keep a lookout also for the latest Maybank credit card promotion.
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So you’ve applied for a credit card with sign-up gifts, what’s next? Once your application is approved by the bank, you’ll need to fulfil the gift criteria stated in our terms and conditions. From there, the banks will send us a list of approved applications that are eligible for the sign-up gifts. This process will take around 2 months.
From then on, you will receive a gift redemption email if you are eligible for a sign-up gift. The email contains a designated code from us and instructions on how to claim your gift. Please refer to our comprehensive FAQs to find out more. For a clearer picture, below is our sign-up gift redemption process.
When Can I Expect My RinggitPlus Sign-Up Gift?
The entire process from application to receiving your gift takes about three months. Yes, that's quite a wait, but here's why.
Day 1-10: Application and Approval
First, you'll complete your credit card application and get approval from the bank. This is the first step towards your gift.
Day 11-60: Meet the Gift Requirements
Once your card arrives and you've activated it, you'll need to meet the specific criteria to qualify for your sign-up gift. For most promotions, this means spending a certain amount within 60 days of your card's approval date.
For example, if HSBC approves your card on 15 December and requires RM3,000 in retail spending, you'll need to hit that amount by 13 February. Keep track of your spending through the bank's mobile app or online banking to make sure you're on track.
Day 11-60: Banks Compile Eligible Lists
During the same period, banks are compiling lists of approved applicants who've met all the gift criteria. They then send these lists to RinggitPlus. This step is entirely handled by the banks and can take up to two months, which might extend the overall timeline slightly.
This is the part of the process that most people find frustrating, and we understand that. We're dependent on the banks' timelines here, as they need to verify each applicant's spending and ensure all requirements have been met before releasing the gift lists to us.
Around Day 61: Gift Redemption Email
Around this time, RinggitPlus will send you an email with a unique redemption code and instructions on how to claim your gift.
Check your inbox (and your spam folder, sometimes our emails end up there).
Day 62-90: Gift Delivery
After you've submitted your redemption claim, we'll send you a confirmation email to let you know your request is being processed.
Physical gifts (gadgets, appliances) typically arrive within 28 days from confirmation
E-wallet credits or vouchers usually arrive within 10 days
While we provide these estimated timelines, sometimes slight delays can occur. This usually depends on how quickly the banks process individual applications.
Full List of RinggitPlus Sign-Up Gift Winners
[Updated: February 2026]
Date
Campaign Name
Winners
1 December 2025 - 29 December 2025
Maybank Sony PlayStation 5 Digital Console (Slim) 825GB Flash Deal
