Maybank · American Express + Visa · Miles

Maybank 2 Cards Premier Reserve

Good for

Overseas spend. 10 TreatsPoints per RM1 from 1 June 2026, about 0.8 miles per RM1.
Local dining. 5 TreatsPoints per RM1, about 0.4 miles per RM1.
Comes as a pair with a Visa Infinite under one fee.

RM800 a year from the second year unless you spend RM80,000 a year.
Bills, education and insurance earn only 1 TreatsPoint per RM1. E-wallet reloads, JomPAY and government payments earn nothing.
Overseas fee is 3.5%: 2.5% Amex plus 1% Maybank.

TreatsPoints, per RM spent, and the miles they make in Enrich, KrisFlyer or Asia Miles. You get both cards, so use each where it earns more.

Spending	Amex	Visa
Dining, Groceries, EV charging and more in a foreign currency	10 points per RM 0.8 miles per RM.	5 points per RM 0.4 miles per RM.
Dining in ringgit	5 points per RM 0.4 miles per RM.	–
Groceries, EV charging, Online shopping and more in ringgit	3 points per RM 0.24 miles per RM.	–
Petrol in ringgit	3 points per RM On the first RM500 a month. 0.24 miles per RM.	2 points per RM On the first RM500 a month. 0.16 miles per RM.
Utilities, Education and Insurance	1 point per RM 0.08 miles per RM.	1 point per RM 0.08 miles per RM.
Everything else	1 point per RM 0.08 miles per RM.	1 point per RM 0.08 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload and more	Nothing Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.	Nothing Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.
Dining, Groceries, EV charging and more in ringgit	–	2 points per RM 0.16 miles per RM.

Enrich: 12,500 points for 1,000 miles Moved in blocks of 12,500 points.
KrisFlyer: 12,500 points for 1,000 miles Moved in blocks of 12,500 points.
Asia Miles: 12,500 points for 1,000 miles Moved in blocks of 12,500 points.

Free. The travel cover starts once you pay the full fare with this card.

Travel accident: Up to RM1 million Covers main and supplementary cardholders, plus spouse and children under 23.
Travel inconvenience: Up to RM800 for delays, RM2,500 for lost luggage Flight delay, missed connection and luggage delay up to RM800 each. Family gets the same again.
Shopping and fraud cover: Up to RM15,000 an item Damage or theft within 90 days of purchase. Up to RM100,000 a year.
Insurer: Etiqa General Insurance Claims go to Maybankard Centre within 21 days.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM800 Free the first year. Waived if you spend RM80,000 in a year.
Extra (supplementary) cards: Free for the first 4 cards RM400 a year from the 5th card.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, at least RM25 Plus any instalments, past-due amount and amount over the limit.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: 2.52% fee, at least RM11.65 Plus 18% a year interest from the day you take it out. No interest-free days.
Replacement card: RM50

Income: RM100,000 a year or more
Age: 21 to 65 Extra cardholders from 18.
Documents: NRIC or passport, both sides
Last 3 months' salary slips
Last 6 months' savings or current account statements
Self-employed: tax return (Form B or EA form), business registration and 6 months' bank statements. Expatriates: employer letter on the contract length.

Pay by phone: Apple Pay Apple Pay only. Maybank's Google Pay takes only its Visa and Mastercard cards.
Card network: American Express + Visa