Maybankard Visa Classic credit card

Also available as MasterCard

Maybankard Visa Classic

An ideal choice for first-time credit card owners or those who are just starting out in their careers. Enjoy 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 Visa 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 from the TreatPoints Rewards Program catalogue. Collect points and exchange them for airline vouchers, household items, or the latest tech gadget for you and your family to enjoy.
Treats Points
EarnSpent
1 point on every RM1on all retail
Your Treats Points earned expires in  3 years
Balance Transfer
Maybankard Balance Transfer offers interest rates as low as 0% and payment terms of 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)
Shop at 0% interest rate with Maybankard EzyPay and pay for your purchases over 24 months. For all other purchases, you can opt to Maybankard EzyPay PLUS for instalment of up to 24 months at 9% p.a..
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 Visa card.
Travel CoverageSum Insured
Travel InsuranceUp to RM300000
Missed FlightUp to RM100
Lost LuggageUp to RM300
Delayed LuggageUp to RM100
Premium
Visa Emergency Assistance Centre: enjoy emergency cash advance, card replacement, medical, legal and travel assistance, ticket replacement, lost luggage assistance and more 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 Visa Classic review

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

If you have just received your confirmation letter for your first job, it might be the right time to consider owning your first credit card. Issued by the nation’s biggest bank and recognised globally, Maybankard Visa Classic has all the features of a basic credit card and more?

Reward Redemption

These days, credit cards are often attached with a wide range of rewards to its cardholders and Maybankard Visa Classic is no exception. This credit card is linked to Maybankard TreatsPoints Reward Redemption Programme.

Under this reward programme, cardholders can earn one TreatsPoint for every RM1 charged to Maybankard Visa Classic. These TreatsPoints can be used to redeem many different types of rewards such as shopping & dining vouchers, sports items, fashion & beauty products, home appliances, IT gadgets, travel accessories, air miles and more.

Travel Insurance

With so many budget airlines to choose from, almost everyone can fly nowadays. Whether it is for work or pleasure, Maybankard Visa Classic will always be there to give cardholders extra protection when they travel by air.

This credit card offers complimentary travel insurance coverage of up to RM300,000 to cardholders. All you need to do to qualify for this benefit is charge your full air fare to Maybankard Visa Classic, it’s that simple and easy!

Emergency Assistance

As a Maybankard Visa Classic credit cardholder, you will have access to emergency assistance services provided by Visa Emergency Assistance Centre. These services include emergency cash advance; card replacement; medical, legal and travel assistance; ticket replacement; lost luggage assistance and more. That way, you can travel with total peace of mind.

0% EzyPay

Shopping will be more enjoyable with Maybankard Visa Classic which is linked to the Maybankard EzyPay. This is a flexi payment plan which allows cardholders to pay for large purchases at participating merchants at 0% interest rate. They can also choose to settle the sum up to 36 monthly instalments. Moreover, no penalty fee will be incurred for early payment.

Balance Transfer

Another useful feature of the Maybankard Visa Classic credit card is the Maybankard Balance Transfer. This is a financial tool which enables cardholders to transfer outstanding balances from other credit cards or charge cards to Maybankard Visa Classic.

Then, cardholders can choose to settle the combined outstanding card balances using five different payment plans which offer interest rates ranging from 0% to 4.95%. Payment terms can also vary from 6 to 36 months. This balance transfer feature not only provides cardholders the flexibility to manage their debt but also helps them save on interest repayments.

Easily Affordable

With the minimum annual income requirement of just RM2500 per month, many degree holders who are just starting out in their careers can easily qualify to apply for Maybankard Visa Classic. It is also easy to maintain this credit card as the annual fee is just a nominal RM60, subjected to 6% GST.

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