Singapore Airlines KrisFlyer American Express Gold

A fast and easy way to earn KrisFlyer Miles for free and Plaza Premium Lounge access. Get instant overseas help anytime with American Express Global Assist.

Singapore Airlines KrisFlyer American Express GoldEarn Krisflyer Miles!
Min. Income
RM3,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Rewards

Enjoy attractive Krisflyer Miles when you spend on these categories below. Get 3,000 bonus Krisflyer Miles when you swipe your card for the first time too!

KrisFlyer Miles
EarnSpend
1 mile on every RM4on local & overseas transactions
1 mile on every RM3on online transactions
1 mile on every RM1on ticket booking via Singapore Airlines website (including Scoot & Krisshop online)

Travel

Enjoy 50% off on Plaza Premium Lounge access (international) per visit, free travel Insurance, and American Express Global Assist providing you with immediate and valuable assistance over the phone anytime and anywhere you are in the world. Get 15% off on car rental & complimentary car upgrade at Avis/Hertz.

Travel CoverageSum Insured
Travel InsuranceUp to RM750,000

Premium

Enjoy up to 30% savings on dining (excluding alcoholic beverages) at Marriott Bonvoy participating hotels and resorts in Malaysia, valid until 31 December 2022.

Balance Transfer

Maybank Balance Transfer offers interest rates as low as 0% and payment terms of up to 36 months. Avoid paying your monthly bills and risks losing a whole lot more than your credit rating.

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

Convert big-ticket purchases into smaller instalments with zero interest rate for up to 36 months with Maybank EzyPay. For purchases made at non-participating merchants, opt for Maybank EzyPay Plus for low rates instalment.

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
  • RM100 primary card

    Free for first year

  • RM50 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
RM10 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

Review

Bring home an exciting reward with Maybank American Express 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 Targus Geolite Advance BackPack (12 - 15.6 inch), 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 American Express credit card(s) via Maybank2u at www.maybank2u.com.my
  • 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!

Double up your miles with Singapore Airlines KrisFlyer American Express Gold

The Singapore Airlines KrisFlyer American Express Gold has a solution - you get to spend on all your favourite things while earning air miles. It's that simple.

Before even making any purchases with the Singapore Airlines KrisFlyer American Express Gold, you are already awarded 3,000 KrisFlyer miles for free. 

Effective from 30 March 2022, you can earn 1x KrisFlyer Mile on every RM4 spent on all local and overseas purchases, except for government bodies and utility transactions. 

For every RM3 you spent on online transactions, you earn 1x KrisFlyer Mile.

Meanwhile, for every RM1 spent on online ticket purchases via Singapore Airlines's website (including Scoot and Krisshop online), you earn 1x KrisFlyer Mile.

Singapore Airlines KrisFlyer American Express Gold - Travel in Style

Have 50% savings on Plaza Premium Lounge access per visit at international airports to enjoy among other things - quality food and beverage, high-speed internet, and shower amenities. 

Should you have exhausted the complimentary accesses, you and your guest can still enjoy a 20% discount on the walk-in rate.

With this credit card, you will be covered by insurance for FREE if you charge your air ticket to the credit card. 

The travel personal accident coverage is up to RM750,000, while the travel inconvenience covers situations such as missed connections, luggage delay and luggage loss.

The American Express Global Assist provides you with immediate assistance over the phone anytime and anywhere.

In case you have lost your credit card while you need the card immediately, the bank will provide an emergency replacement card for you, wherever you may be - ain't that sweet?

Express AutoPay for American Express

Enrol in Express AutoPay for a bill payment facility that charges your bills to your American Express card when due.

No more queues, late payments, or penalties again. So convenient!


Singapore Airlines KrisFlyer American Express Gold Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (p.a.)
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) that 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 days interest-free period, provided that the outstanding balances of your Singapore Airlines KrisFlyer American Express Gold are carried forward from the previous month's statement cycle and are paid in full.

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