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Maybank · American Express · Miles

KrisFlyer Amex Gold

Earns
0.33 KrisFlyer miles per RM Online shopping
Lounge
No free visits Plaza Premium
Min income
RM36,000 a year
Annual fee
RM100 First year free
See it on Maybank's site

Good for

  • Singapore Airlines, Scoot and KrisShop websites. 1 KrisFlyer mile per RM1.
  • Miles go straight to KrisFlyer, with nothing to convert.
  • Low fee: RM100 a year, first year free.

Watch out

  • Everyday spend earns 1 mile per RM4, or 1 per RM3 online.
  • The lounge benefit is a 50% discount, not free entry.
  • Overseas fee is 3.5%: 2.5% Amex plus 1% Maybank.

What it earns

Miles go straight into your KrisFlyer account. There is nothing to transfer.

SpendingEarnsDetails
Airlines (direct) online1 mile per RM
Spending online except Utilities, Insurance and Telco0.33 miles per RM
Everything else0.25 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.

Using your miles

Where they go
KrisFlyer miles Credited straight to your account.

Travel

Airport lounges
No free visits Plaza Premium. No free visits. 50% off the walk-in fee, 5 times a year, in Malaysia, Cambodia, Indonesia, Singapore and the Philippines. Offer runs until 31 March 2027.
Overseas spending fee
3.5% 2.5% Amex plus 1% Maybank

Insurance

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

Travel accident
Up to RM750,000 Covers main and supplementary cardholders, plus spouse and children under 23.
Travel inconvenience
Up to RM500 for delays, RM1,000 for lost luggage Missed connection and luggage delay up to RM500 each. Family gets the same again.
Shopping and fraud cover
Not listed Maybank does not list this cover for this card.
Insurer
Etiqa General Insurance Claims go to Maybankard Centre within 21 days.

Fees and charges

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

Annual fee
RM100 Free the first year.
Extra (supplementary) cards
RM50 a year
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

Who can apply

Income
RM36,000 a year or more
Age
21 to 65
Documents
  • NRIC, both sides (passport for expatriates)
  • Last month's salary slip, latest EPF statement or latest BE form with tax receipt
Self-employed: business registration, 6 months' bank statements and BE form. Expatriates: employer letter on the contract length, visa or work permit, and a Maybank account.

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