Petronas Maybank Visa Gold

Get up to 8x TreatsPoints when you spend at PETRONAS stations nationwide. Even better, collect 8x TreatsPoints for grocery purchases!

Petronas Maybank Visa GoldFree Touch 'n Go Zing Card
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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

Maybank TreatsPoints
8 points on every RM1on weekends at PETRONAS
5 points on every RM1on weekdays at PETRONAS
8 points on every RM1on groceries every weekend
1 point on every RM1on education, insurance, utilites, and 0% EzyPay


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 every day, lightened your load now.


Travel big under budget. Enjoy discounted rates and earn TreatsPoints to redeem free air travel vouchers with Malaysia Airlines, Singapore Airlines, or any airline of your choice. Check 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 RM1,000
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 36 months at participating merchants. For all other purchases, you can opt for Maybank EzyPay Plus for low rates instalments of up to 24 months.

Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM50
6 months0% p.a. and no one-time upfront handling feeRM50
12 months0% p.a. and no one-time upfront handling feeRM50
18 months0% p.a. and no one-time upfront handling feeRM50
24 months0% p.a. and no one-time upfront handling feeRM50
36 months0% p.a. and no one-time upfront handling feeRM50
Learn more about Maybankard EzyPay
Maybankard EzyPay PLUS
Pay OverWith Interest Rate AtWhen You Spend
6 months9% p.a. and no one-time upfront handling feefrom RM500to RM30,000
12 months9% p.a. and no one-time upfront handling feefrom RM500to RM30,000
18 months9% p.a. and no one-time upfront handling feefrom RM3,000to RM30,000
24 months9% p.a. and no one-time upfront handling feefrom RM5,000to 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 activation 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
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians and Expatriates


Easy Payment Plan
Maybankard EzyPay
EzyPay is, well, easy: a 0% interest installment plan which lets you spread your payments over 36 months. Available at participating merchants only.
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.


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.

Bring home an exciting reward with Maybank Visa credit cards

Maybank credit card online campaign

Valid until 30th September 2022, grab this chance to participate in the Maybank/Maybank Islamic Online Acquisition 2022 Credit Cards Campaign and bring home an exciting reward of the Ice Generation Gold Black (Medium - 3H), subject to the campaign’s terms and conditions.

Capped at the first 600 customers every month, this campaign is applicable to only new-to-bank and existing Maybank customers that have yet to own a Maybank/Maybank Islamic credit card and are residents of Malaysia, you are eligible to participate in this campaign by:

  • Applying as the Principal cardholder for any one or more Maybank/Maybank Islamic Visa credit card(s) via Maybank2u at
  • Complete the Maybank Credit Card Application Form online, and upload all required supporting documents via the website above

You also need to spend a minimum of RM300 on retail purchases within the first 45 days from the card approval date to be eligible for this campaign.

If you have any questions regarding the campaign above, do not hesitate to email us at [email protected]. We’re happy to help!

PETRONAS Maybank Visa Gold - 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. 

What's more, your TreatsPoints will not have an expiry date, so take your 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, the 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 this Maybank credit card a great-value-for-money credit card.

Free Petrol from PETRONAS Maybank Visa Gold

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.

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 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 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. 

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 less than 10 out of 12 months AND New Cardmembers 18%

Previously, the 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

The finance charge is now based on the prevailing tiered interest rate (above) and 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 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 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-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.

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