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Maybank · American Express · Miles

Maybank Amex Charge Card

Earns
0.16 miles per RM Dining
Lounge
Not stated
Min income
RM30,000 a year
Annual fee
Free for life
See it on Maybank's site

Good for

  • No annual fee, for life.
  • Flat 2 Membership Rewards points per RM1, about 0.16 miles per RM1.
  • Membership Rewards points never expire.

Watch out

  • Charge card: pay the full balance every month. A late payment costs 3.5%, at least RM50.
  • Moving points to airline miles needs the Frequent Traveller Option, which costs RM50 to join.
  • Petrol, bills, education and insurance earn only 1 point per RM1.

What it earns

Membership Rewards, per RM spent, and the miles they make in Enrich, KrisFlyer or Asia Miles.

SpendingEarnsDetails
All spending except Utilities, Education, Insurance and more2 points per RM 0.16 miles per RM.
Utilities, Education, Insurance and more1 point per RM 0.08 miles per RM.
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.

Points and transfers

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.

Travel

Overseas spending fee
2.5% 2.5% Amex conversion charge

Insurance

Applies when you charge your travel fares to the card.

Travel accident
Up to RM250,000 Plus missed connection, luggage delay and lost luggage cover.
Travel inconvenience
Not listed Maybank does not list this cover for this card.
Shopping and fraud cover
Not listed Maybank does not list this 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
Not stated
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Late payment
3.5% of the unpaid balance, at least RM50 Charged when the full balance is not paid by the due date.
Replacement card
RM50

Who can apply

Income
RM30,000 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.

Other perks

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

Where this comes from