DuitBase
My cards
Maybank · American Express · Miles

Maybank Amex Platinum Credit

Earns
0.4 miles per RM Groceries
Lounge
Not stated
Min income
RM60,000 a year
Annual fee
RM800 First year free
See it on Maybank's site

Good for

  • Groceries, telco, petrol and selected cinemas. 5 Membership Rewards points per RM1, about 0.4 miles per RM1.
  • Membership Rewards points never expire.
  • Two free supplementary cards.

Watch out

  • RM800 a year from the second year, with no spend waiver.
  • Other spend earns up to 2 points per RM1, about 0.16 miles per RM1.
  • Overseas fee is 3.5%: 2.5% Amex plus 1% Maybank.

What it earns

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

SpendingEarnsDetails
Groceries, Telco, Cinemas and more5 points per RM 0.4 miles per RM.
All spending 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.
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
3.5% 2.5% Amex plus 1% Maybank

Insurance

The travel cover applies when you charge the ticket to the card.

Travel accident
Up to RM700,000 Plus missed connection, luggage delay and lost luggage cover.
Shopping and fraud cover
Damage or theft within 90 days Purchase protection on items bought with the card.
Travel inconvenience
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
RM800 Free the first year.
Extra (supplementary) cards
Free for the first 2 cards RM550 a year from the 3rd 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 over the last 12 months. None if you pay the full balance by the due date.
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 The PDS (25 Sep 2026) caps it at RM100; the product page says RM75.
Cash withdrawal
2.52% fee, at least RM11.65
Replacement card
RM50

Who can apply

Income
RM60,000 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