The Best Maybank Credit Cards in Malaysia for 2025

Maybank offers a variety of credit cards tailored to different lifestyles and spending habits. Whether you’re looking for cashback, travel rewards, or special privileges, Maybank has an option for you. Here’s the updated list of the best Maybank credit cards for 2025, along with detailed information on their features, benefits, and eligibility.

Comparison of Maybank Credit Cards

1. Maybank World Elite Mastercard

• Features & Benefits:
  • Earn 10x TreatsPoints for every RM5 spent locally.
  • Earn 25x TreatsPoints for every RM5 spent overseas.
  • Complimentary travel insurance coverage up to RM2 million.
  • Buy 1 Get 1 Business Class ticket offer with Qatar Airways.
  • 16 complimentary airport lounge access visits annually.
  • Exclusive dining and hotel privileges.
• Fees:
  • Annual Fee: RM800 (waived for the first year and subsequently waived with a minimum spend of RM80,000 per annum).
  • Supplementary Card Fee: RM800.
• Eligibility:
  • Minimum Annual Income: RM190,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

2. Maybank Visa Infinite

• Features & Benefits:
  • 2X TreatsPoints for every RM1 local spend.
  • 5X TreatsPoints for every RM1 overseas spend.
  • Complimentary travel insurance coverage up to RM2 million.
  • Free 10,000 TreatsPoints upon card activation.
  • 5X complimentary access to Plaza Premium Lounge annually.
  • Global golf privileges.
• Fees:
  • Annual Fee: RM800 (waived for the first year and with RM80,000 spend in subsequent years).
  • Supplementary Card Fee: RM400.
• Eligibility:
  • Minimum Annual Income: RM100,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

3. Maybank World Mastercard

• Features & Benefits:
  • Earn 5X Treats AirMiles for every RM2 spent locally.
  • Earn 5X Treats AirMiles for every RM1 spent overseas.
  • Complimentary travel insurance coverage up to RM2 million.
  • 50,000 Treats AirMiles upon activation.
  • 5X Plaza Premium Lounge access annually.
  • Exclusive global golf privileges.
• Fees:
  • Annual Fee: RM800 (waived with RM80,000 annual spend).
  • Supplementary Card Fee: RM500.
• Eligibility:
  • Minimum Annual Income: RM100,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

4. PETRONAS Maybank Visa Platinum

• Features & Benefits:
  • 8X TreatsPoints for every RM1 spent at PETRONAS on weekends.
  • 5X TreatsPoints for every RM1 spent at PETRONAS on weekdays.
  • Lifetime annual fee waiver.
  • Earn 8X TreatsPoints for grocery shopping every weekend.
• Fees:
  • No annual fee for both principal and supplementary cards.
• Eligibility:
  • Minimum Annual Income: RM60,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

5. Maybank 2 Platinum Cards

• Features & Benefits:
  • 5% cashback on weekend retail transactions (excluding government and utility payments).
  • Earn 5X TreatsPoints for every RM1 spent on weekdays.
  • Lifetime annual fee waiver.
  • Complimentary travel insurance coverage up to RM700,000.
• Fees:
  • No annual fee for both principal and supplementary cards.
• Eligibility:
  • Minimum Annual Income: RM60,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

6. Maybank FC Barcelona Visa Signature

• Features & Benefits:
  • 1% cashback on all purchases.
  • 5% discount at FCBotiga official store in Camp Nou.
  • Travel insurance coverage up to RM500,000.
  • Lifetime annual fee waiver.
• Fees:
  • No annual fee for both principal and supplementary cards.
• Eligibility:
  • Minimum Annual Income: RM48,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

7. Maybank myimpact Visa Signature

• Features & Benefits:
  • 1% cashback on ESG-friendly merchants.
  • 0.5% cashback on contactless payments, including Apple Pay and Samsung Pay.
  • Travel insurance coverage up to RM1 million.
  • Lifetime annual fee waiver.
• Fees:
  • No annual fee for both principal and supplementary cards.
• Eligibility:
  • Minimum Annual Income: RM36,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

8. Maybank Manchester United Visa Card

• Features & Benefits:
  • 10X TreatsPoints for every RM1 spent at United Direct Online Megastore.
  • 5X TreatsPoints on retail spending when Manchester United wins a Premier League match.
  • Lifetime annual fee waiver.
• Fees:
  • No annual fee for both principal and supplementary cards.
• Eligibility:
  • Minimum Annual Income: RM30,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

9. American Express Cash Back Gold Credit Card

• Features & Benefits:
  • Up to 1.5% cashback on global spending (no monthly cap).
  • 1% cashback on local spending (no monthly cap).
  • Low minimum income requirement.
• Fees:
  • Annual Fee: RM70 (waived for the first year).
  • Supplementary Card Fee: RM45.
• Eligibility:
  • Minimum Annual Income: RM30,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

10. Maybank Shopee Visa Platinum Credit Card

• Features & Benefits:
  • Earn up to 5X Shopee Coins for every RM1 spent on Shopee during special campaigns.
  • 4X Shopee Coins for dining and entertainment.
  • Lifetime annual fee waiver.
• Fees:
  • No annual fee for both principal and supplementary cards.
• Eligibility:
  • Minimum Annual Income: RM24,000.
  • Age: 21+ (principal cardholder); 18+ (supplementary cardholder).

Why Choose Maybank Credit Cards?

A variety of credit cards are available from Maybank Malaysia that are made to fit various lifestyles and interests. Consider these factors while deciding whether to use the best Maybank credit card:

1. Wide Selection of Cards: Maybank offers various credit cards to meet different demands. Whether you want cashback rewards, travel advantages, or privileged access, Maybank offers a card to suit your tastes and way of life.

2. Cashback Rewards: Numerous Maybank credit cards provide enticing cashback incentives on regular purchases. For instance, you may earn up to 5% cashback on petrol and groceries on Friday and Saturday with the Maybank Islamic Ikhwan Mastercard Gold Card-i. Doing this can increase the money you save and help you enjoy your purchases more. Some cashback credit cards have low annual income requirements, which are applicable to the public.

3. Travel Benefits: Maybank credit cards include travel perks if you travel frequently. For instance, the Maybank World Mastercard enables you to accrue air miles for meals, travel, petrol, and hotel reservations. You can also take advantage of comprehensive travel insurance coverage and unique access to VIP lounges.

4. Fuel Savings: Maybank credit cards provide attractive fuel savings at Petronas stations with the Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i. Cardholders can enjoy up to 8% significant discounts on any spending at Petronas, helping them save on their everyday expenses.

5. Exclusive Privileges: Maybank credit cards provide users access to exclusive benefits and savings. For instance, the Maybank American Express Platinum Credit Card offers a reward point system when you spend on petrol, groceries, or overseas spending. Other than the reward points, some offer cashback also aims to increase customers’ shopping experiences and give back benefits to improve customer life.

6. Innovative Features: It is well known that Maybank values innovation. To improve the credit card experience for its consumers, the bank is always introducing new features and services. Whether through mobile banking applications, contactless transactions, or digital rewards redemption, Maybank aims to provide cardholders with practical and cutting-edge options.

7. Regional Presence: Southeast Asia and beyond are regions where Maybank is well-represented. Maybank credit cards are convenient and widely accepted because of their global network of retail banking locations. This is very advantageous for those who travel frequently or have needs for overseas expenditures.

Understanding the Benefits of Maybank Credit Cards

Its various features make Maybank credit cards an appealing option for Malaysian cardholders. Customers who choose the best Maybank credit cards can benefit from exclusive incentives, cashback deals, travel advantages, and more. These are a few of the main advantages of the best Maybank credit cards:

1. Cashback Rewards: Maybank credit cards provide enticing cashback returns on a variety of purchase categories, including groceries, restaurants, entertainment and transportation. For instance, the Maybank Islamic Ikhwan Mastercard Gold Card-i allows cardholders to earn significant rewards on their regular spending by offering up to 5% cashback on petrol and groceries on Friday and Saturday.

2. Travel Benefits: Maybank credit cards offer exclusive travel bonuses and privileges. The benefits of using a credit card include earning air miles, getting hotel room discounts, getting access to some VIP lounges, and getting free travel insurance. For instance, the Maybank World Mastercard offers 10X TREATS Points (equal to 4 air miles) at certain restaurants, shops and gas stations, making it an excellent option for regular travellers.

3. Fuel Savings: Through the Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i offer excellent fuel discounts at Petronas stations. Cardholders can take advantage of savings on fuel purchases, which can reduce their fuel costs. Any spending at Petronas available to enjoy up to 8% cashback, including Mesra.

4. Complimentary Access and Services: Maybank credit cards make access to unique benefits and services possible. The Rewards Infinite (RI) programme, travel insurance, 24-hour access to Mastercard Travel & Lifestyle Services, and complimentary admission to a few VIP lounges are all available to cardholders. These extra benefits improve the whole travel and lifestyle experience for the best Maybank credit card holders.

5. Flexible Redemption: For rewards and advantages accrued, Maybank credit cards provide a variety of flexible redemption possibilities. The TREATS SG app allows cardholders to redeem rewards, convert collected TREATS Points to air miles, and enjoy fee-free conversion of TREATS Points to air miles. Due to this flexibility, cardholders may maximise the value of their points and take advantage of unique redemption opportunities.

6. Golf Privileges: The Maybank World Mastercard is an excellent option for aficionados. This card offers perks, including free green fees at participating golf clubs worldwide and exclusive discounts at a few restaurants and shops. You can also accumulate points that can be exchanged for flight miles or incentives.

7. Complimentary Lounge Access: Plaza Premium Lounges are accessible for free with several Maybank credit cards, so you may unwind and take advantage of premium airport services.

8. Convenience and Security: Maybank credit cards are generally accepted domestically and abroad. They can be used for offline and online purchases and cash withdrawals. Maybank Malaysia also implements advanced security measures to safeguard cardholders against fraud and unauthorised transactions.

9. Flexible Rewards Programs: Maybank credit cards are typically accepted domestically and internationally. They can be used to make offline and online purchases and withdraw money. Maybank has also implemented cutting-edge security measures to protect cards from fraud and unauthorised transactions.

10. Exclusive Privileges: Most places accept Maybank credit cards locally and abroad. They can be used to withdraw money and make offline and online transactions. Additionally, Maybank has implemented advanced security measures to guard cards against fraud and unauthorised transactions.

Making the Most of Your Maybank Credit Card

Various bonuses and rewards are available with Maybank credit cards, which can improve your money management and increase the effectiveness of your spending. You can get the most out of best Maybank credit card’s advantages and have a satisfying experience by knowing the optimal usage procedures. Here are some essential pointers to help you make the best use of your Maybank credit card:

Best Practices for Utilizing Your Maybank Credit Card

1. Choose the Right Card: Choose the best Maybank credit card that fits your spending preferences and way of life. To ensure the card meets your needs and tastes, consider cashback categories, travel incentives, and annual fees. Maybank Malaysia provides a range of credit cards designed for various consumer categories, offering choices for various needs.

2. Understand the Rewards and Cashbacks: Get acquainted with the best Maybank credit card points and cashback programme. Note the payback rates, qualifying spending categories, and applicable limits or restrictions. This information will enable you to plan your finances and maximise the benefits you receive.

3. Optimize Preferred Cashback Categories: If your Maybank credit card allows you to pick your favourite reward categories, choose those corresponding to your usual expenditure. You will be able to do this to increase the cashback rates you receive on purchases like groceries, meals out, transportation, and entertainment. To ensure your preferences reflect your current spending habits, periodically review and modify them.

4. Take Advantage of Travel Benefits: Use any travel benefits with your Maybank credit card wisely. These could include air miles, discounted hotel reservations, entry to airport lounges, and free travel insurance. Plan your travels and finances to make the most of these advantages and improve your travels.

5. Be Mindful of Payment Deadlines: Avoid late payment fees and interest charges by paying your Maybank credit card bills on time. To guarantee prompt settlement, set up payment reminders or automate your payments. You can preserve your creditworthiness and reap the benefits of your Maybank credit card by keeping a strong payment history.

Understanding the Maybank TreatsPoints System

The best Maybank credit cards include contracts with specific online retailers or retail establishments that offer enhanced points or payback percentages for purchases made with those partners. Utilise these partnerships to earn more points or benefit from exclusive discounts when you shop, dine, or travel with the collaborating companies.

1. Accumulating TreatsPoints: Depending on how much money you spend with an approved credit card, you can earn TreatsPoints. Depending on the type of card and the category of purchases, the number of points gained in every transaction may change. For more information on the TreatsPoints accumulation rates, see the official website of Maybank or the terms and conditions of your credit card.

2. Redeeming TreatsPoints: TreatsPoints can be exchanged for a variety of incentives, such as gift cards for dining, shopping, travel, and lifestyle events. TreatsPoints can also be exchanged for air miles for frequent flyer programmes or as a credit card bill credit. Consider using Maybank’s TreatsPoints to redeem rewards that match your preferences and hobbies.

3. Expiration and Maintenance: TreatsPoints frequently have an expiration date, so keeping track of this information and scheduling your redemptions accordingly is critical. To keep your accrued TreatsPoints, make sure that your Maybank credit card account is current and in good standing. Review your account statements frequently, and keep an eye out for any improvements or adjustments to the TreatsPoints programme.

You may enjoy the perks and get the most out of your Maybank credit card by using it wisely, comprehending its rewards and cashback structure, and managing your spending. To improve your overall credit card experience with Maybank Malaysia, stay informed about Maybank credit card promotion, use your Maybank credit card responsibly, and learn more about the TreatsPoints programme.

How to Apply for a Maybank Credit Card

The requirements are listed under “Requirements” on each page of our website that is dedicated to the best Maybank credit card.

Alternatively, you might quickly glance at the table below.

*Please note that the minimum income requirement for expatriates might be different.

Look no further if you’re wondering how to apply for a Maybank credit card. It’s simple to apply online, and doing so also makes it simple to check the status of your application. Ensure you meet Maybank credit card requirements and are prepared with the necessary paperwork.

Generally speaking, the following paperwork must be ready to apply for a Maybank credit card:

Please note that the best Maybank credit card offerings might vary by location and time. The specifics mentioned in this outline might not cover all the cards available. For current information, always refer to the official Maybank Malaysia website or contact a Maybank customer service representative.

After your application is approved, you may receive your favourite credit card.

Conclusion

In conclusion, choosing the right Maybank credit card can significantly enhance Malaysians’ financial management and access to exclusive benefits. With a variety of cards catering to different preferences, users can enjoy cashback, travel perks, and special promotions. The Maybank TreatsPoints programme further enriches the experience by offering redeemable points for diverse rewards. Maybank’s continuous efforts to introduce enticing promotions and partnerships ensure cardholders enjoy a wide range of savings and benefits, making it a smart choice for those looking to optimize their spending and enjoy added lifestyle advantages.

For a broader perspective on your financial tools, don’t miss our comprehensive review of the ‘Best Credit Card in Malaysia‘, where we explore the top options to suit every lifestyle and spending habit, ensuring you make the most informed decision for your wallet.

Frequently Asked Questions