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Maybank · American Express · Miles

KrisFlyer Amex Platinum

Earns
0.5 KrisFlyer miles per RM Online shopping
Lounge
5 visits a year Plaza Premium
Min income
RM60,000 a year
Annual fee
RM300 First year free
See it on Maybank's site

Good for

  • Singapore Airlines, Scoot and KrisShop websites. 1 KrisFlyer mile per RM1.
  • Overseas and online spend. 1 KrisFlyer mile per RM2.
  • 5 free Plaza Premium lounge visits a year.

Watch out

  • RM300 a year from the second year, with no spend waiver.
  • Miles go only to KrisFlyer.
  • 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 Telco0.5 miles per RM
Spending in a foreign currency0.5 miles per RM
Spending in ringgit0.4 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
5 free visits a year Plaza Premium. Plaza Premium and Sky Lounge (Subang Airport), in Malaysia and abroad. Guests pay, with 25% off. Offer runs until 31 December 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
Missed connection, luggage delay and luggage loss
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
RM300 Free the first year.
Extra (supplementary) cards
RM150 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
RM60,000 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