Maybankard MasterCard Classic credit card

Also available as Visa

Maybankard MasterCard Classic

An ideal first card for those starting their careers or trying to establish credit. Benefit from great rewards 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)
  • RM63.60 annual fee
  • Earn up to 1x reward point 

Apply online now for Maybankard MasterCard Classic

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Great rewards: earn 1X TreatsPoint for every RM1 spent and use them to redeem exciting gifts. Maybank Credit Card TreatsPoints will have a 3 years expiration period!
Maybank TreatsPoints
EarnSpent
1 point on every RM1on all retail
Your Maybank TreatsPoints earned expires in  3 years
Balance Transfer
Maybank Balance Transfer offers interest rates as low as 0% and payment terms up to 36 months.
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 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
Travel
Travel insurance coverage of up to RM300,000 when you charge your travel tickets in full to your Maybank MasterCard card.
Travel CoverageSum Insured
Travel InsuranceUp to RM300000
Missed FlightUp to RM100
Lost LuggageUp to RM300
Delayed LuggageUp to RM100
Premium
MasterCard Global Service: enjoy medical assistance, pre-trip information, travel assistance (emergency cash advance, card/ticket replacement, lost luggage assistance) and legal assistance in the event of emergencies.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM63.60
Annual Fee for Supplementary Card
RM31.80
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%

*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 MasterCard Classic review

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

The Maybankard MasterCard Classic is great credit card for those just starting to build a line of credit. Why? First of all, it has global acceptance, with the availability of easy online banking, and travel insurance coverage - a privilege usually reserved for a premium line of credit cards. This will ensure your journey to being a modern day adult to be smooth and easy.

Convenience In Your Hands

No need to worry about if your Maybank card is accepted at your holiday destination - enjoy worldwide acceptance and instant cash withdrawal with over 892,000 ATMs the world over, with lasting relationships with banks in over 130 countries. 

You will also be introduced to the wonders of online banking via Maybank2u, with simple bill payments by cash or cheque at all Maybank branches nationwide, including Cash/Cheque Deposit Machines or using standing instruction.

More Benefits

With every RM1 you spend, you will earn 1 TreatsPoint - use them to exchange for gifts and prizes via the Maybank TreatPoints Programme. Best part is, your reward points will never expire, so it's possible to finally redeem that prize you've had your eyes on forever!

However, the transactions related to petrol, utilities, education, insurance, EzyPay, EzyPay PLUS and government are not eligible to earn TreatsPoints.

Have A Safe Journey

Receive comprehensive travel insurance protection of up to RM300,000 when you pay for your all your travel arrangements in full to your Maybank MasterCard credit card. 

With this being a MasterCard credit card, you will automatically have access to MasterCard Global Service (MGS). This is a world-class concierge service for when you are in need of any medical assistance, pre-trip information, travel and legal assistance in case of an emergency.

Low Interest Rates

The Maybankard Balance Transfer Programme is one of the benefits that comes with the Maybankard MasterCard Classic - useful for when you feel unable to cope with other debts such as your car loan, or electric bills. 

With this programme, cardmembers can transfer their outstanding balances from other banks for up to 36 months at substantially lower interest rates, even for as low as 0% for 12 months, compared to the 15% - 18% p.a. interest charges charged regularly.

Income Requirement

The minimum annual income is RM30000 for Malaysians to apply Maybankard MasterCard Classic. If you are an expatriate, you have to earn at least RM60000 in a year to qualify for the card application.

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