Maybank has more credit cards to offer than any bank in Malaysia with benefits that help save you money on petrol, flights, shopping or household bills. Get them all with an easy online application.
Maybank has one of the largest credit card ranges among Malaysian banks — over 20 cards spanning cashback, travel rewards, Islamic options, and co-branded picks like the Manchester United Visa Infinite and Singapore Airlines KrisFlyer cards. Most cards carry no annual fee for life or have fees waived with minimum spend, and entry-level cards start from a minimum income of RM2,000 a month.
The range runs across three networks: Visa, Mastercard, and American Express. AMEX cards tend to earn faster TreatsPoints; Visa and Mastercard are more widely accepted, especially overseas. If you want both, the Maybank 2 Cards package gives you an AMEX and a Visa or Mastercard under one application, with a shared credit limit.
Below, you'll find the full range of Maybank credit cards, a breakdown of benefits, eligibility requirements, and answers to the most common questions about applying.
Maybank Credit Card Campaign FAQs:
For a limited time, qualified applicants of eligible Maybank credit card(s) will receive a free sign-up gift of Nintendo Switch 2, capped at 3 units for every 40th qualified applicant.
This promotion runs from 20 July 2026 to 3 August 2026, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing principal cardholders who hold any Maybank credit cards or those who have cancelled their Maybank credit card within 6 months before the date of the flash deal application are not eligible.
How to be eligible for the gift?
Apply, get approved by Maybank, activate the new card, and subsequently spend a minimum of RM300 in retail transactions within 30 calendar days from the card's approval date to be eligible.
For applicants applying for the Maybank 2 Gold Cards and Maybank 2 Platinum Cards, the retail transaction must be made on the Mastercard.
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
Maybank Credit Card Benefits and Rewards
Maybank credit cards offer different benefits depending on the card tier and network (Visa, Mastercard, or American Express).
TreatsPoints Rewards Programme
Most Maybank cards earn TreatsPoints that you can redeem for gift vouchers, retail items, or air miles:
Entry cards: 1x to 5x TreatsPoints per RM1 spent
Premium cards: 8x to 25x TreatsPoints per RM1 spent
Conversion to air miles: 20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles
TreatsPoints expire after 3 years, so redeem them regularly through Maybank's e-catalogue or at annual Treats Fair events.
Maybank holds an annual Treats Fair where principal cardholders can redeem TreatsPoints for electronics, household appliances, travel packages, and gift vouchers. If you miss the fair, you can redeem points year-round through:
MAE app: Browse the e-catalogue and redeem directly
Maybank2u website: Access the full redemption portal
Selected retailers: On-the-spot redemption at participating merchants
Remember that TreatsPoints expire 3 years from the month you earned them, so check your statement regularly and redeem before they lapse.
Cashback Cards
If you spend regularly on groceries and petrol, cashback cards give you direct money back on purchases:
Maybank myimpact Visa Signature: 8% cashback on all spending (RM36,000/year income)
Maybank Islamic Petronas Ikhwan: 8% cashback at PETRONAS on weekends (RM30,000/year income)
Cashback is typically credited to your statement monthly or quarterly, depending on the card.
Airport Lounge Access
Premium Maybank cards include complimentary access to Plaza Premium Lounges across Malaysia and worldwide.
Available on: Visa Infinite Card, World Elite Mastercard, and more!
How lounge access works:
Present your physical Maybank credit card at the Plaza Premium Lounge reception
Reception verifies your card tier and remaining complimentary visits
Complimentary access deducted from annual quota
After the quota is exhausted, subsequent visits are charged at USD27 per person
Important limitations:
Blackout dates apply during major holidays (Chinese New Year, Ramadan, Christmas, New Year)
Some lounges may have capacity restrictions during peak travel periods
Complimentary access counts per calendar year (resets 1 January)
You cannot carry forward unused visits to the following year
Golf Privileges
Premium Maybank cards (Visa Infinite, Ikhwan Visa Infinite, World Elite Mastercard, Manchester United Visa Infinite, and Premier cards) include complimentary green fees at selected golf clubs.
Coverage:
20 golf clubs in Malaysia
80 golf clubs overseas (Singapore, Indonesia, Thailand, China, Australia, UAE)
Full list available through Maybank Premier Card Services
How to book:
Call Maybank Premier Card Services at 1800 22 1111
Booking must be made through Maybank only (golf clubs don't accept direct bookings for this programme)
Book at least 3 days in advance for best availability
Confirm the minimum number of golfers in your flight
Travel Insurance Coverage
Premium Maybank credit cards, Visa Infinite / Ikhwan Visa Infinite, Visa Signature / myimpact Visa Signature, Platinum cards (Visa/Mastercard) include automatic travel insurance coverage when you charge your full airfare to the card.
Up to RM700,000 coverage
Basic travel protection for emergencies
Important requirement:
Full airfare must be charged to your Maybank credit card to activate coverage
Partial payment or payment with other cards voids insurance
Even if you later balance transfer or pay from another source, the initial full charge to your Maybank card activates the coverage
How to make claims:
Contact Maybank Customer Care immediately when an incident occurs
File police report for theft or loss incidents
Obtain medical reports for health-related claims
Submit claim within specified timeframe (check PDS for exact requirements)
Provide all receipts and supporting documents
Visa Airport Speed Pass
Visa Infinite cardholders enjoy fast-track immigration at over 280 international airports worldwide through Visa Airport Speed Pass.
What it provides:
Dedicated immigration lanes at participating airports
Significantly reduced wait times during peak travel periods
Available at major airports across Asia Pacific, Europe, and the Americas
Convert retail purchases into monthly instalments at 0% interest for up to 36 months. Currently, there's a promotion for 0% with no upfront fee for 12 months (valid until 31 March 2026). Available for both conventional and Islamic credit cards.
Transfer outstanding balances from other banks' credit cards to your Maybank card at 0% for 12 months with no upfront fee during the promotional period (23 June 2025 - 31 March 2026). This helps consolidate your debts and manage repayments more effectively.
You can also withdraw cash against your credit card through Cash Advance or EzyCash, though interest charges apply from the withdrawal date with no interest-free period.
Contactless Payment Technology
All Maybank credit cards support contactless payment methods for faster, more convenient transactions.
Tap-and-go payment:
Visa PayWave
Mastercard Contactless
American Express Contactless
Mobile wallet integration:
Apple Pay (all eligible cards)
Google Pay (Visa and Mastercard only)
Samsung Pay (Visa and Mastercard only)
Contactless transaction limits:
Up to RM250 per transaction without PIN entry
Amounts above RM250 require PIN verification
Daily cumulative limit may apply based on merchant restrictions
Security features:
Tokenization technology (card number not transmitted during payment)
Dynamic authentication for each transaction
Instant transaction notifications via the MAE app
Ability to block/unblock card instantly through app
Purchase Protection
Premium Visa and Mastercard cards include purchase protection for items bought with the card:
What's covered:
Theft or accidental damage within 90 days of purchase
Electronic items and valuable goods
Coverage amount varies by card tier
What's not covered:
Items purchased for business use
Perishable goods, plants, animals
Vehicles, boats, aircraft
Used or refurbished items
Priority Banking Access (Premium Cards)
Note: Premier Wealth facilities (which previously included priority banking access) are now exclusively available for Maybank customers with Private Banking accounts only and are no longer applicable for credit cardholders.
Premium credit card benefits now focus on:
Travel perks (lounge access, insurance, golf)
Dining privileges
TreatsPoints acceleration
Dedicated customer service lines
Former Premier Wealth banking privileges have been separated from credit card benefits.
Dining Discounts
Maybank cardholders get up to 40% discount on food and beverages at participating Marriott Bonvoy hotels and resorts in Malaysia. This discount varies by outlet and time, so check current offers through the Maybank website before dining.
Best Maybank cashback credit card for petrol and groceries
A card that pays for your lifestyle with up to 5x TreatsPoints and 5% cashback on petrol and groceries spent. Enjoy VIP treatment with a Visa speed pass and 24-hour concierge service.
Apply for Maybank 2 Cards and pay zero annual fees for life for your American Express, Mastercard, or Visa. Extra rewards with AMEX include 5x TreatsPoints on all retail and 5% cashback on weekend spending.
Minimum income: RM30,000/year Annual fee: Free for life Key benefit: Two cards (AMEX + Visa/Mastercard) with 5% weekend cashback
A free-for-life credit card that collects 8x TreatsPoints on petrol and grocery transactions every weekend. When accumulated enough, the TreatsPoints can be redeemed for great gifts, vouchers, or free flights at a conversion rate of 20,000 TreatsPoints = 1,000 Enrich Miles/KrisFlyer Miles/Asia Miles.
Minimum income: RM60,000/year Annual fee: Free for life Key benefit: 8x TreatsPoints on weekend petrol and groceries
Best Maybank Islamic credit card with airport lounge access
Travel the world with class. Enjoy 5x TreatsPoints on local and overseas retail transactions, free Takaful coverage, free airport lounge access 5 times a year, as well as dining and golfing privileges.
Minimum income: RM100,000/year Annual fee: Waived with minimum spending Key benefit: Shariah-compliant with airport lounge access
Best Maybank AMEX credit card for unlimited cashback
Grocery shopping and retail therapy will never be dull again with AMEX. Enjoy unlimited cashback on local and overseas spending, and save up to 50% on exclusive dining.
Minimum income: RM30,000/year Annual fee: Waived with minimum spending Key benefit: Unlimited 1.5% cashback on all spending
Maybank Credit Card Terms and Conditions
The Product Disclosure Sheet (PDS) for each card gives you a concise summary of interest rates, fees, and minimum payment requirements in a format mandated by Bank Negara Malaysia. You can find the PDS for your specific card on the Maybank2u website under the Cards section, or in the welcome kit delivered when your card was activated. Your monthly e-statement also shows your current finance charge rate and minimum payment due.
For the full Cardholder Agreement, search the Maybank website for your card name (e.g., "Maybank Visa Signature Card Agreement"). If you need a copy sent to you, call Maybank Customer Care at 1300-88-6688.
Eligibility Criteria
On each of the Maybank credit card pages on our website, you can find the eligibility criteria under "Requirements".
Otherwise, you can have a quick look at the table below.
*Please note that the minimum income requirement for expatriates might be different.
Documents Required to Apply for a Maybank Credit Card
To apply for a Maybank credit card through RinggitPlus, compare the cards and click "Apply Now" on the one you want. Before you do, make sure you have the right documents ready — what you need depends on your employment type.
DOCUMENTS FOR MAYBANK CREDIT CARD APPLICATION
Salaried Employee
Self-Employed
Expatriate
✔ Copy of IC (both sides) or Passport
✔ Latest BE form with an official tax receipt ✔ Latest 3-month salary slip ✔ Latest 6-month savings account or current account statement
✔ Copy of IC (both sides) or Passport
✔ Copies of Business Registration ✔ Latest 6-month Bank Statement
✔ Copy of Passport
✔ Latest BE form with an official tax receipt ✔ Latest 3-month salary slip ✔ Latest 6-month savings account or current account statement ✔ Letter from employer confirming the duration of employment contract in Malaysia
Frequently Asked Questions (FAQs)
1. How do I check my Maybank credit card balance and recent transactions?
Online Banking (Maybank2u): Log in to the Maybank2u website to view your real-time balance and transaction history under the 'Cards' tab.
Mobile Banking (MAE App): Use the MAE app for instant access to your account balances.
Statements: View and download your monthly e-Statements (which include your balance) directly from the Maybank2u website under 'Services' or 'Bills & Statements'.
2. What is the minimum payment and late payment charges?
The minimum payment and late charges apply to most conventional and Islamic credit cards (excluding speciality cards like Maybank myimpact, which may have no late payment charge).
Minimum Monthly Repayment: You must pay at least 5% of your Total New Balance (or RM25, whichever is higher).
Late Payment Charge: If the minimum payment is missed by the due date, a Late Payment Charge will be levied at 1% of the unpaid outstanding balance (minimum RM10) up to a maximum of RM100.
3. How do I activate my new Maybank credit card and set my PIN?
Both processes can be managed through the Maybank2u website:
Activation:
Log in to Maybank2u.
Go to 'Settings' → 'Manage Credit Cards'.
Select 'Activate Card' and follow the on-screen prompts, confirming with SecureTAC or SMS TAC.
Set/Change PIN:
Log in to Maybank2u →'Settings' → 'Manage Credit Cards'.
Select 'Set PIN', key in your preferred 6-digit PIN, and confirm using SecureTAC or SMS TAC.
4. What is the expiry period for my Maybank TreatsPoints?
For most standard Maybank credit cards, TreatsPoints have an expiration period of three (3) years from the month they were earned.
The expiry date will be clearly indicated on your monthly credit card statement.
Note: Certain premium cards (like Visa Infinite or World Mastercard enrolled in the Rewards Infinite program) may offer non-expiring points. Always refer to your specific card's Product Disclosure Sheet.
5. What travel benefits (insurance/airport lounge access) are included when I use my card for flights?
Complimentary travel insurance and lounge access are key benefits of Maybank's premium credit cards (Signature, Infinite, World Elite):
Travel Insurance: Complimentary Travel Personal Accident Insurance (up to RM1 million or RM2 million, depending on the card tier) is generally provided when you charge the FULL cost of your flight tickets to an eligible card. Coverage often includes lost/delayed luggage and missed flight connections.
Lounge Access: Cards like the Maybank Visa Infinite or World Elite Mastercard typically offer a specific number of complimentary annual access passes (e.g., 5 times) to participating Plaza Premium Lounges locally and overseas.
Benefit levels vary significantly by card tier; always check the PDS for your specific card to confirm exact coverage amounts and lounge access quotas.
6. How does the Maybank 2 Cards package work?
The Maybank 2 Cards package gives you two cards under one application: a Mastercard or Visa for everyday and overseas use, and an American Express for earning TreatsPoints on weekdays or 5% cashback on weekends. Both cards share a single credit limit, carry no annual fee for life, and are managed under one account, so you can switch between networks depending on where you're paying without juggling two separate credit limits.
7. How does Maybank credit card TreatsPoints work?
TreatsPoints is Maybank's rewards currency, earned on eligible spending across most conventional Maybank credit cards. Points can be redeemed for air miles (Enrich Miles, KrisFlyer, or Asia Miles), cashback, merchandise, and vouchers via Maybank2u. The standard rate is 500 points to RM1. Points expire after three years. Maybank shows the expiry date on your monthly statement, so check before they lapse.
8. Do Maybank credit cards charge a foreign transaction fee?
Yes. Visa and Mastercard transactions abroad carry a 2.25% fee, a 1.25% network charge, plus a 1% Maybank administrative fee. American Express transactions cost slightly more at 2.5%. If you hold the Maybank 2 Cards package, use the Mastercard or Visa component overseas to keep the fee lower. Cardholders who travel frequently may want to compare against cards that waive foreign transaction fees entirely.
9. What is the difference between Maybank Islamic and conventional credit cards?
Maybank Islamic credit cards are Shariah-compliant, replacing conventional interest with a profit rate structure. Rewards rates and cashback structures are comparable to their conventional equivalents; the Ikhwan Platinum mirrors the standard Maybank 2 Platinum in earning terms. The key difference is the underlying contract, which operates without riba. Annual fee conditions and minimum income requirements are generally the same across both ranges.
10. Can I hold more than one Maybank credit card at the same time?
Yes, subject to Maybank's credit assessment. The Maybank 2 Cards packages are built for dual-card ownership by design. You can also hold additional standalone Maybank cards if approved, though your combined credit limit across all Maybank cards follows Bank Negara Malaysia's income-based guidelines. If your existing card already uses a large portion of your eligible limit, a second application may receive a reduced limit or be declined.
Apply for a Maybank Credit Card
Credit card applications can be made online on RinggitPlus!
All you have to do is compare all the Maybank credit cards and apply online. Keep a lookout also for the latest Maybank credit card promotion.
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Applied for a credit card with a RinggitPlus sign-up gift? After your credit card application is approved by the participating bank, you'll need to fulfil the promotion requirements stated in the campaign's Terms and Conditions before you become eligible for your reward.
Once you've met the promotion requirements, the participating bank checks that you've fulfilled all the campaign criteria. After confirming the eligible applications with RinggitPlus, we'll send eligible customers a redemption email with a unique redemption code and instructions for completing the RinggitPlus Rewards Redemption Form.
From credit card approval to receiving your reward, the process typically takes around three months.
What To Expect After Your Credit Card Is Approved
Timeline
What happens
Day 1–10
The participating bank reviews and approves your credit card application.
Day 11–60
Activate your credit card and complete the promotion requirements, such as meeting the minimum eligible retail spending.
Up to Day 60
The participating bank checks that eligible customers have met the promotion requirements before confirming the successful applications with RinggitPlus.
Around Day 61
RinggitPlus emails eligible customers a unique redemption code and instructions for completing the Rewards Redemption Form.
Day 62–90
Once you've completed the Rewards Redemption Form, RinggitPlus processes your reward. Delivery timelines vary depending on the reward type.
These timelines are estimates and may vary depending on the promotion and the time required to complete the verification process.
Meeting The Promotion Requirements
Most RinggitPlus credit card promotions require you to complete a minimum amount of eligible retail spending within a specified period after your credit card is approved. The exact requirement varies between promotions, so always refer to the campaign's Terms and Conditions.
For example, if your credit card is approved on 15 December and the promotion requires RM3,000in eligible retail spending within 60 days, you'll need to complete your spending by 13 February to qualify for the reward.
You can usually keep track of your eligible spending through the participating bank's mobile app or online banking platform.
Why Does The Process Take Around Three Months?
Every eligible application goes through a verification process to confirm that the promotion requirements have been met before rewards are issued. This helps ensure that rewards are sent to customers who have successfully fulfilled the campaign criteria.
Once the participating bank completes the verification and confirms the eligible applications with RinggitPlus, we'll send a redemption email to successful customers so they can claim their reward.
While the process typically takes around three months from your credit card approval date, the exact timeline may vary depending on the promotion and the time required to complete the verification process.
After you've received your redemption email, complete the RinggitPlus Rewards Redemption Form using the unique redemption code provided in the email. Once your submission has been confirmed, we'll begin processing your reward.
As a general guide:
Reward
Estimated delivery
Physical gifts
Within 28 days after your redemption has been confirmed
E-wallet credits and vouchers
Within 10 days after your redemption has been confirmed
Delivery timelines are estimates and may vary depending on stock availability, fulfilment schedules, and operational requirements.
