Singapore Airlines KrisFlyer American Express Gold

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

Singapore Airlines KrisFlyer American Express GoldEarn Krisflyer Miles!
Min. Income
RM4,000/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

Rewards

Get double KrisFlyer Miles with a minimum spend of RM60,000 within card anniversary date.

KrisFlyer Miles
EarnSpend
2 points on every RM2on online ticket purchases at Singapore Airlines
1 point on every RM2on all retail (except for government bodies and utilities)

Travel

Enjoy 5x complimentary airport lounge privileges, 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.

Travel CoverageSum Insured
Travel InsuranceUp to RM750,000

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 RM2,000
36 months4.96% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about Maybankard Balance Transfer Program

Easy Payment Plans

Convert big-ticket purchase into smaller instalments with zero interest rate for up to 24 months with Maybank EzyPay. For purchases made at non-participating merchants, opt to Maybank EzyPay Plus for low rates instalment.

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
  • RM250 primary card

    Free for first year

  • RM125 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
RM48,000
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

Want to fly to your dream destination, but your eager hands keep swiping your credit card at the mall? 

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

Soon, you'll be clicking "Book Now" without paying out your month's salary.

Double Up Your Miles

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

You can earn 1x KrisFlyer Mile on every RM2 spent on all purchases, except for government bodies and utility transactions. 

For every RM2 you spent on online ticket purchases via Singapore Airlines's website, you earn 2x KrisFlyer miles.

It is worth mentioning that you can only collect 2x KrisFlyer miles for SIA flights departing from Malaysia - whether it is a 1-hour journey down to the Merlion country or a long-haul flight across geographical borders.

The greatest gift from this card is that you can double up your miles with a minimum spend of RM60,000 on your anniversary... not your wedding anniversary, but the date that you've been approved for the credit card!

Travel in Style

Have 5x complimentary access to the Plaza Premium Lounge at airports in both Malaysia and Singapore to enjoy among other things - quality food and beverage, high-speed internet, and shower amenities. 

With this 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 covering 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 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

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

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


Finance Charge

What are 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, 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, provided that the outstanding balances carried forward from the previous month's statement cycle are paid in full.