Petronas Maybank Visa Gold

Get more on your spending including 5x TreatsPoints on weekdays and 8x TreatsPoints on weekends whenever you swipe at PETRONAS stations nationwide and on groceries shopping!

Petronas Maybank Visa GoldFree Touch 'n Go Zing
Min. Income
RM2,500/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 9% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Maybank Exclusive Gift
worth RM299
when you apply through RinggitPlus3

Maybank Exclusive Gift

Rewards

Get 5x TreatsPoints at PETRONAS on weekdays and 8x TreatsPoints for petrol and groceries spending on weekends. Use your reward points to get your hands on the latest iPhone, an elegant wristwatch, or even use your points to waive your yearly annual fee.

Maybank TreatsPoints
EarnSpend
8 points on every RM1on weekends at PETRONAS
5 points on every RM1on weekdays at PETRONAS
8 points on every RM1on groceries every weekend
Your Maybank TreatsPoints earned expires in 36 years

Petrol

Free petrol at Petronas service stations with TreatsPoints when you redeem with PETRONAS GiftCard. You're spending tons of money on petrol driving to and from work everyday, lighthen your load now.

Travel

Travel big under budget. Enjoy discounted rates and earn TreatsPoints to redeem free air travel vouchers with Malaysia Airlines, Singapore Airlines, or any airlines of your choice. Check off London or Paris off your bucket list for cheap!

Balance Transfer

Balance transfer plans with interest rates as low as 0% and payment terms of up to 36 months. Imagine paying RM1,000 on interest charges on your overdue credit card bills - not a very ideal situation if you're planning to save on a big ticket purchase or overseas holiday.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88% one-time upfront handling feefrom RM1,000
9 months9% p.a. and no one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM1,000
24 months4.5% p.a. and no one-time upfront handling feefrom RM2,000
36 months4.95% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about Maybankard Balance Transfer Program

Easy Payment Plans

Enjoy interest-free shopping with Maybank EzyPay offering payment terms of up to 24 months at participating merchants. For all other purchases, you can opt to Maybank EzyPay Plus for low rates instalment of up to 24 months.

Maybankard EzyPay PLUS
Pay OverWith Interest Rate AtWhen You Spend
6 months9% p.a. and no one-time upfront handling feefrom RM500 to RM30,000
12 months9% p.a. and no one-time upfront handling feefrom RM500 to RM30,000
18 months9% p.a. and no one-time upfront handling feefrom RM3,000 to RM30,000
24 months9% p.a. and no one-time upfront handling feefrom RM5,000 to RM30,000
Learn more about Maybankard EzyPay PLUS
Maybankard EzyPay PLUS
Pay OverWith Interest Rate AtWhen You Spend
6 months9% p.a. and no one-time upfront handling feefrom RM500 to RM30,000
12 months9% p.a. and no one-time upfront handling feefrom RM500 to RM30,000
18 months9% p.a. and no one-time upfront handling feefrom RM3,000 to RM30,000
24 months9% p.a. and no one-time upfront handling feefrom RM5,000 to RM30,000
Learn more about Maybankard EzyPay PLUS

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM25 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM18 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM30,000
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Maybankard EzyPay PLUS
A hassle free solution to split your purchases into affordable monthly instalments for up to 24 months. Flexible payment is just a phone call away.
Maybankard EzyPay PLUS
A hassle free solution to split your purchases into affordable monthly instalments for up to 24 months. Flexible payment is just a phone call away.
Cash Advance / Cash Loan
Maybankard EzyCash
Instant cash at 0% interest with minimum loan amount of RM2,000. Refurbish your home, pay for your insurance or simply pay your outstanding bills.
Maybankard Cash Treats
It's reassuring to know that you have access to cash in an emergency. With Maybankard Cash Treats it's so easy to apply as no documents are required and fast approval guaranteed!
Balance Transfer Plans
Maybankard Balance Transfer Program
Save on your credit card bills with lower interest rates, choose the plan that meets your need, and enjoy a longer repayment period of up to 36 months

Review

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 PETRONAS Maybank Visa Gold credit card, promising you big rewards and more value.

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 stations 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. What's more, your TreatsPoints will not have an expiry date, so take their time to collect points and redeem a wide range of rewards such as home appliances, IT gadgets, travel accessories, lifestyle items and fashion & beauty products, among others.

Value for Money

With up to 8x TreatsPoint awarded for each RM1 spent, accumulation of reward points is a breeze. The wide range of rewards which cardholders can cash in on using the TreatsPoints including free petrol and air flights makes PETRONAS Maybank Visa Gold a great-value-for-money credit card.

Free Petrol

Running out of cash? Redeem free petrol at PETRONAS by exchanging it with your TreatsPoints. This feature is particularly useful to help Maybank cardholders to maximise the mileage on their fuel expenditure.

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 could be enjoying free flights.

Interests Savings

This credit card also comes with a balance transfer feature which 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 their 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

More savings is installed for PETRONAS Maybank Visa Gold cardholders who love to shop as Maybank EzyPay is included in the PETRONAS Maybank Visa Gold 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 up to 36 months.

Free for Life

To apply for PETRONAS Maybank Visa 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. This highly affordable credit card is also super easy to maintain as both the principal and supplementary cards are free for life.

Finance Charge

What are the interest rate imposed on repayments?

Conditions of RepaymentsTiered Interest Rate (Per Annum)
Prompt Repayment every month
15%
Prompt Repayment 10 out of 12 months17%
Prompt Repayment less than 10 out of 12 months AND New Cardmembers18%

Previously, finance charge is only imposed on the below that are 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

Finance charge is now based on the prevailing tiered interest rate (above) will be imposed on any of your outstanding balance including All Fees and Charges (except late payment charges). These are carried forward from the previous statement until the outstanding balances are settled in full. 

All Fess and Charges includes:

  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of miscellaneous fee (if any) EXCEPT Late Payment Charges

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 Finance Charge will not have any impact if you do not have any unpaid outstanding balance. In fact you will continue to enjoy a 20 days interest-free period for retail transaction, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full before payment due date.