Singapore Airlines KrisFlyer American Express Gold

A fast and easy way to earn KrisFlyer Miles for free, and an exclusive discount on access to selected Plaza Premium Lounges. 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 access to participating Plaza Premium Lounges 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

Maybank Credit Card Online Acquisition Campaign and Rewards

It’s exclusively the year of rabbits this Chinese New Year of 2023! Elevate your CNY celebration to the best one yet with Maybank Online Acquisition 2023 Credit Cards Campaign by taking home exclusive gifts for a limited time only. There are two (2) campaigns in which you can take part, so don’t miss this chance!

Campaign 1: Maybank Visa, Mastercard and American Express Online Acquisition Cash Back Campaign

From 1 January 2023 until 31 March 2023, the first 1,000 eligible customers every month throughout the Campaign Period can grab a one-time cashback prize worth RM100. Terms and conditions apply.

To be eligible for the cashback prize, you must be either a new-to-bank individual or an existing customer of Maybank and Maybank Islamic Berhad who is a resident of Malaysia and has yet to own any Maybank/Maybank Islamic principal credit card.

If you fall under either of those two eligible criteria, make an online application for a credit card via Maybank2u within the Campaign Period, wait for approval by the bank, and perform a minimum retail spend of RM300 within the first 45 days from the card’s approval date to participate in this campaign.

For easy reference, below is an illustration of the cashback reward and spending criteria.

Card Scheme Rewards Spend Criteria Campaign Period
Maybank Visa Cards RM100 Cashback

(capped at first 1,000 Eligible Customers every month throughout the Campaign Period)
Minimum retail spend of RM300 within the first 45 days from card approval date  1 January 2023 - 31 March 2023
Maybank Mastercard Cards
Maybank American Express Cards

Campaign 2: Maybank Visa, Mastercard and American Express Online Acquisition Exclusive Campaign

There are more high-valued one-time gifts up for grabs such as Apple AirPods, Garmin Smartwatch and Marshall Earbuds! This campaign starts on 1 January 2023 and is valid until 31 March 2023.

To participate, you must be either new-to-bank individuals or Maybank and Maybank Islamic Berhad customers who are residents of Malaysia and do not have any credit card issued by Maybank in Malaysia and are 21 years of age during the time of application.

To add on, you also must apply as a principal card member for any of the participating Maybank credit card schemes during the Campaign Period online at the Maybank2u website.

If you are eligible and already have your credit card application via Maybank2u approved, you are able to take home any of the prizes by transacting as high as you can on retail spending accumulated throughout the Campaign Period from your first principal card approval date.

For easy reference on this campaign, please check out the table below.

Please also note that the campaign spending requirement/criteria cannot be combined with the other cards applied at the same time. For full details, check out the terms and conditions.

Card Scheme Rewards Spend Criteria Campaign Period
Maybank Visa Cards Vivomove Sport Garmin Smartwatch

(capped at Top 50 Highest Spender by end of the Campaign Period)
Accumulated highest retail spend by end of the Campaign Period from card approval date 1 January 2023 - 31 March 2023
Maybank Mastercard Cards Apple AirPods 2

(capped at Top 50 Highest Spender by end of the Campaign Period)
Maybank American Express Cards Marshall Minor III Earbuds

(capped at Top 50 Highest Spender by end of the Campaign Period)

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 for up to 5X in a year on participating Plaza Premium Lounges access per visit at selected local and international airports to enjoy among other things - quality food and beverage, high-speed internet, and shower amenities. Please read through the terms and conditions of this privilege  here.

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.

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 of 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 balances 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.

Search Icon

Get the financial support you need

Featurebox

We’ll guide you through your application for this financial product