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Maybank · American Express + Visa · Cashback + Miles

Maybank 2 Gold Cards

Earns
0.19 miles per RM Dining
Lounge
None
Min income
RM30,000 a year
Annual fee
Free for life
See it on Maybank's site

Good for

  • Weekend spend. 5% cash back on Saturdays and Sundays, up to RM50 a month.
  • Weekday spend earns 5 TreatsPoints per RM1, in Malaysia and overseas.
  • Free for life, supplementary cards too.

Watch out

  • Weekend cash back stops at RM50 a month, and weekend spend past it earns nothing.
  • Foreign currency spend carries a 2.5% Amex conversion factor.
  • No points or cash back on e-wallet reloads, JomPAY, FPX or government payments.

What it earns

Cash back on the Amex and TreatsPoints on both cards. The points rows show the miles those points make in Enrich, KrisFlyer or Asia Miles. You get both cards, so use each where it earns more.

SpendingAmexVisa
Dining, Groceries, EV charging and more on weekdays5 points per RM 0.25 miles per RM.–
Petrol on weekdays5 points per RM 0.25 miles per RM.–
Utilities, Education and Insurance on weekdays1 point per RM 0.05 miles per RM.–
Spending on weekends except Utilities5% Up to RM50 back a month.–
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload and moreNothing 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.
Petrol, Utilities, Education and more– 1 point per RM 0.05 miles per RM.
Everything else– 1 point per RM 0.05 miles per RM.

Getting your cash back

How it's paid
On the 1st of next month, to the principal card A month's cash back is credited to the principal card's account on the 1st of the next month, with supplementary card spend added in. Under RM1.00, nothing is paid. Each transaction's cash back is cut to the sen and never rounded up.
Which month counts
The calendar month, by posting date Spend and the RM50 cap count per calendar month. A purchase made at the end of one month but posted in the next counts in the next month.
When you lose it
If you close the card or fall behind If you close the card account, the cash back built up is forfeited. Maybank can also withhold, cancel or take back cash back for an overdue, delinquent or disputed account, an investigation, a refunded or reversed purchase, or a breach of the terms.

Points and transfers

Enrich
20,000 points for 1,000 miles Moved in blocks of 20,000 points.
KrisFlyer
10,000 points for 500 miles Moved in blocks of 10,000 points.
Asia Miles
20,000 points for 1,000 miles Moved in blocks of 20,000 points.

Travel

Airport lounges
None
Overseas spending fee
2.5% 2.5% Amex conversion factor on Maybank's fee page. The PDS says the Amex rate plus 1% Maybank.

Insurance

Insurance
None listed Maybank lists no cover for this card.

Fees and charges

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

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free for life
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 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, or RM25 Whichever is higher, plus any instalments and past-due amounts.
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, worked out daily. No interest-free days.
Replacement card
RM50

Who can apply

Income
RM30,000 a year or more
Who
Maybank account holders only
Age
21 to 65 Extra cardholders from 18.
Documents
  • Copy of NRIC (both sides) or passport
  • Latest 3 months' salary slips
  • Latest 6 months' savings or current account statements
Self-employed: tax return (Form B or EA), business registration and 6 months of bank statements. Expatriates: a letter from the employer on the length of the contract.

Other perks

Pay by phone
Apple Pay Apple Pay only: add it in Apple Wallet or the MAE app. Google Pay takes only Maybank Visa and Mastercard cards.
Card network
American Express + Visa

Where this comes from