No Annual Fee For Life
When the nation’s biggest bank and oil company work together, you can expect big results.
This is evident in the collaboration between Maybank and PETRONAS to create the PETRONAS Maybank Visa Gold credit card, promising you big rewards and more value.
PETRONAS Maybank Visa Gold - Earn 8x TreatsPoints
PETRONAS Maybank Visa Gold may be the fastest way to earn TreatsPoints, especially for road warriors.
You will get 5x TreatsPoints for every RM1 spent at any PETRONAS station across the country during weekdays. For the same amount charged to your co-branded Visa credit card during the weekends, earn 8x TreatsPoints.
Besides earning reward points at PETRONAS, you can also earn 8x TreatsPoints when shopping for groceries during the weekends.
Collect as many TreatsPoints and redeem them with a wide range of rewards such as home appliances, IT gadgets, travel accessories, lifestyle items and fashion and beauty products, among others.
Complimentary Air Travel
In addition, you can also exchange your PETRONAS Maybank Visa Gold's TreatsPoints with air miles from Malaysia Airlines, Singapore Airlines or any other airlines of their choice.
With such a generous reward points system, don't hesitate to swipe your Visa Gold credit card because you can enjoy free flights by redeeming 1,000 Enrich Miles/KrisFlyer Miles/Asia Miles with 20,000 TreatsPoints.
Petronas Maybank Visa Gold Interests Savings
This credit card also comes with a balance transfer feature that allows cardholders to transfer outstanding balances from other credit cards or charge cards to PETRONAS Maybank Visa Gold, enabling you to settle the combined outstanding card balances more efficiently.
For maximum flexibility, the Maybank Balance Transfer offers five different plans. You can opt to settle your debt with interest rates ranging from 0% to 0.75% and payment terms of 6 to 36 months.
With such low interest rates, the savings in interest repayments will be quite significant.
0% EzyPay Plan
More savings are installed for this Maybank cardholder who loves to shop as Maybank EzyPay is included in the benefits package.
This easy payment scheme will give you the freedom to shop at selected merchants with no interest at all.
They can also choose to stretch the payment terms for their purchases for up to 36 months.
Free for Life
To apply for PETRONAS Maybank Visa Gold credit card, you must be at least 21 years old and have a minimum income of RM2,500 per month or RM30,000 per year. For expatriates, however, you must be earning a minimum annual income of RM60,000 to be eligible.
This highly affordable credit card is also super easy to maintain as both the principal and supplementary cards are free for life.
PETRONAS Maybank Visa Gold 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) and 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.
You will continue to enjoy a 20-day interest-free period, provided that the outstanding balances of your PETRONAS Maybank Visa Gold carried forward from the previous month's statement cycle are paid in full.
What are the required documents to make an application?
To apply as a principal cardholder, please prepare the following documents accordingly.
For salaried employees:
- Copy of IC (both sides) or Passport
- Latest BE form with an official tax receipt
- Latest 3 months salary slips
- Latest 6 months savings account activity/current account statement
For self-employed:
- Copy of IC (both sides) or Passport
- Copies of the Business Registration Certificates
- Latest 6 months bank statement
For expatriates:
- Letter from employer confirming duration of employment contract in Malaysia
