Maybank American Express Cash Back Gold
Earn unlimited 1.5% cashback on every purchase made overseas, and 1% cashback on local transactions, without any minimum spend required.
Eligibility
Minimum Monthly Income
RM 2,500 (RM 30,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Malaysians and Expatriates
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides) or passport (if any)
- Latest 3 months salary slip
- Latest 6 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first year for the Principal Card and 2 Supplementary Cards. After that, RM70 for the Principal Card and RM45 for the Supplementary Card
Late Payment Fee
RM 25 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn unlimited cashback on retail transactions of any amount, locally and overseas. Just note that e-wallet reloads, JomPay, FPX payments, and a few other transaction types don't qualify for cashback.
Enjoy interest rates as low as 0% for up to 36 months on big-ticket purchases — just convert them into easy monthly instalments instead of paying it all upfront. For other purchases, Maybank EzyPay Plus offers low-rate instalments of up to 24 months.
Transfer your existing debts to your new Maybank credit card and enjoy lower interest rates with a longer repayment period.
Terms and Conditions
Product review by CompareHero
When you’re spending money on your daily essentials and needs, it’s always money going out. But what if you’re able to gain back some of it for every single purchase or transaction? That’s what you’ll get with the Maybank American Express Cash Back Gold Credit Card!
Unlimited cashback for all your spending
It doesn’t matter what you spend on, you’ll be able to get some cash back for your transactions made locally or internationally. For local transactions, you’ll receive 1% back. As for international transactions, you’ll get 1.5% back. As mentioned earlier, the cashback is unlimited, meaning you can receive as much cashback as you wish for all your spending.
There’s no monthly minimum amount of spending required as well, so you’ll earn some cash back with just as low as RM10. The cashback earned is based on a single transaction. For instance, if you spend RM599 locally, the cash back earned is 1%, hence the total would be RM5.99. You can see your cashback being automatically credited to your account.
Note: You will not earn cash back for transactions made for utilities, government services or EzyPay.
Low annual fees
With only RM70 a year for principal cardholders and RM45 for supplementary cardholders, you won’t have trouble paying it off every year. The plus side is that it will be waived for the first year, which applies to both principal and two (2) supplementary cards, once you have signed up for the Maybank American Express Cash Back Gold card. With the amount of cashback earned through your spending, you’ll get to pay the annual fee.