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Maybank · American Express · Miles

The Platinum Card

Earns
0.71 miles per RM Dining
Lounge
12 visits a year Plaza Premium
Min income
RM190,000 a year
Annual fee
RM3,250
See it on Maybank's site

Good for

  • Flat 5 Membership Rewards points per RM1, about 0.71 miles per RM1.
  • Centurion and Priority Pass lounges, plus 12 Plaza Premium visits a year.
  • Points never expire.

Watch out

  • RM3,250 a year, with no waiver.
  • Charge card: pay the full balance every month. A late payment costs 3.5%, at least RM50.
  • E-wallet reloads, JomPAY and government payments earn no points.

What it earns

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

SpendingEarnsDetails
All spending5 points per RM 0.71 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
7,000 points for 1,000 miles Moved in blocks of 7,000 points.
KrisFlyer
7,000 points for 1,000 miles Moved in blocks of 7,000 points.
Asia Miles
7,000 points for 1,000 miles Moved in blocks of 7,000 points.

Travel

Airport lounges
12 free visits a year Plaza Premium. Main cardholder only, local lounges and Plaza Premium First KLIA. Also 12 a year each at Travel Club and Sky Lounge (Subang), plus Centurion, Delta Sky Club and Priority Pass lounges, part of 1,400+ lounges in the Amex Global Lounge Collection. No visit limit is printed for those.
Overseas spending fee
2.5% 2.5% Amex conversion charge

Insurance

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

Travel accident
Up to RM2 million Covers main and supplementary cardholders, plus spouse and children under 23.
Travel inconvenience
Up to RM800 for delays, RM2,500 for lost luggage Flight delay, missed connection and luggage delay up to RM800 each. Family gets the same again.
Shopping and fraud cover
Up to RM15,000 an item Damage or theft within 90 days of purchase. Up to RM100,000 a year.
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
RM3,250
Extra (supplementary) cards
Free for the first 4 cards
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 amount due, at least RM50 Charged when the full balance is not paid by the due date.
Replacement card
RM250

Who can apply

Income
RM190,000 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

Concierge
Platinum Concierge Restaurant, travel, event and gift requests. Call 1 800 88 0886, option 3.
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