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Maybank · American Express · Cashback + Miles

Maybank Amex Gold Charge

Earns
0.24 miles per RM Overseas
Lounge
Not stated
Min income
RM48,000 a year
Annual fee
RM238
See it on Maybank's site

Good for

  • Streaming, Grab and cinemas. 10% cash back, up to RM30 a month.
  • Overseas spend. 3 Membership Rewards points per RM1, about 0.24 miles per RM1.
  • No annual fee for the first 3 years.

Watch out

  • RM238 a year from the fourth year, with no spend waiver.
  • Charge card: pay the full balance every month. A late payment costs 3.5%, at least RM50.
  • Bills, education and insurance earn only 1 point per RM1.

What it earns

Cash back and Membership Rewards. The points rows show the miles those points make in Enrich, KrisFlyer or Asia Miles.

SpendingEarnsDetails
Spending in a foreign currency except Utilities, Education and Insurance3 points per RM 0.24 miles per RM.
Spending in ringgit except Utilities, Education and Insurance2 points per RM 0.16 miles per RM.
Utilities, Education and Insurance1 point per RM 0.08 miles per RM.
Streaming and games, Grab rides and Cinemas10% Up to RM30 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.

Getting your cash back

How it's paid
From the 15th of next month, to the principal card A month's cash back is credited to the principal card's account on or after the 15th of the following month, with supplementary card spend added in.
Which month counts
The calendar month, by posting date Spend and the RM30 cap count per statement 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 Cash back not yet credited is forfeited if you close the card. Maybank can also withhold, cancel or take back cash back for an overdue, delinquent or disputed account, an investigation, a reversed purchase, or a breach of the terms.

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
RM238
Extra (supplementary) cards
RM125 a year
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
RM48,000 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