Maybank Islamic World Elite Mastercard Ikhwan
Islamic travel card with 25x TreatsPoints overseas and RM2 million takaful coverage.
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Eligibility
Minimum Monthly Income
RM 15,833 (RM 190,000 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)
- Latest BE Form with official tax receipt
- Latest 3 months salary slip
- Latest 6 months bank statement
Fees & Charges
Profit Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year and waived when you spend RM120,000 per year for subsequent years
Late Payment Compensation
RM 25 or 5% of the outstanding amount, whichever is higher
Profit Rate
15%
Features
25X TreatsPoints for every RM5 spent on Overseas Retail, 10X TreatsPoints for every RM5 spent on Local Retail and 1X TreatsPoints for every RM1 spent on Petrol, Utilities, Education, EzyPay and Insurance. TreatsPoints can be redeemed with gifts, gadgets, vouchers and even air miles (10,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles).
16X complimentary annual access to 74 participating Plaza Premium Lounges in Malaysia and overseas and a complimentary travel takaful coverage of up to RM2,000,000.
Earn 1x TreatsPoints for every RM1 spent on petrol at any petrol station nationwide.
Split big purchases into 0% monthly instalments for up to 36 months. For everything else, Maybankard EzyPay Plus offers low-rate instalments of up to 24 months.
Transfer existing credit card debt to your Maybank card at lower interest rates with a longer repayment period.
Up to 40% discount on dining (exclude alcoholic drinks) at participating restaurants of Marriott Bonvoy hotels and resorts in Malaysia (till 31 March 2026)Golf benefits at participating golf clubs in Malaysia and overseas (subject to minimum spending of RM8,000 in the previous month's statement, valid till 31 December 2026)
0.2% of every cross-border spend you make will be donated to selected Waqaf and Zakat managed by Maybank Islamic.
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Revel in a luxurious lifestyle with the Maybank Islamic World Elite Mastercard Ikhwan Card. Be it travelling or simply enjoying the premium benefits, you’ll be sure to make use of this credit card.
Indulge in the lavish lifestyle while getting rewarded
For every purchase you make with your credit card locally or internationally, you’ll gain up to 25x TreatsPoints! Unlike the other credit cards, where you’ll only gain TreatsPoints based on RM1, the Maybank Islamic World Mastercard Ikhwan offers for every RM5 instead, but only for local transactions. However, do take note that this does not apply to petrol transactions; you will only receive 1x TreatsPoints for RM1. With international transactions, you’ll earn based on RM1 as well as any transactions made under the following categories: insurance, education, utilities, EzyPay and petrol.
Premium travel benefits
Did you know you can redeem air miles with the Maybank Islamic World Elite Mastercard Ikhwan? That’s right - if you accumulate a total of 10,000 Maybank TreatsPoints, you can exchange them for 1,000 air miles! The air miles can be converted with Enrich Miles, Asia Miles or KrisFlyer Miles.
Travel without any worries when you have insurance protection as high as RM2,000,000 provided by Maybank! Any problems you encounter when it comes to loss or delay of luggage, flight issues or personal accidents will be completely covered when you charge the entire flight ticket to your Maybank Islamic World Mastercard Ikhwan credit card. That’s not all, you will also have instant access to the Mastercard Global Service, which you can reach out to 24/7, 365 days whenever you need their assistance anywhere around the world.
It doesn’t stop there. Travel in style when you gain access up to 16 times annually to over 70 Plaza Premium Lounges locally and internationally. This credit card also includes LoungeKey’s Mastercard Airport Experiences, whereby cardholders get to indulge in the various offers and discounts before boarding their next flight.
Give back to the community
Feel less guilty as you spend away when part of your spending on cross-border transactions goes straight to charity. 0.2% of your total spending will be given to the Waqaf and Zakat charity community, which is by Maybank Islamic, to help those in need. What a way to feel good, knowing you’ll be helping others through every transaction!
Exclusive dining and golf privileges
Golfers rejoice when they have the benefits of gaining access to participating golf clubs locally or internationally. Receive complimentary green fees when you spend a minimum amount of RM8,000 in the previous month. You also need to have an active card with no outstanding payments to be eligible.
Love to eat good quality food and enjoy the atmosphere of lavish restaurants? Receive discounts going as high as 40% when you dine at participating Marriott Bonvoy Hotels & Resorts with a maximum of 10 pax. This discount does not apply to alcoholic drinks though, which is unfortunate for those who love to drink their heart away.
Frequently Asked Questions (FAQ)
How do I apply for the Maybank Islamic World Elite Mastercard Ikhwan?
What are the Maybank Islamic World Elite Mastercard Ikhwan requirements?
Is there an annual fee for the Maybank Islamic World Elite Mastercard Ikhwan?
What are the fees or charges applied for Maybank Islamic World Elite Mastercard Ikhwan?
What are the benefits of the Maybank Islamic World Elite Mastercard Ikhwan?
• Receive 25x TreatsPoints for every RM5 spent overseas and 10x TreatsPoints for every RM5 spent locally
• Receive 1x TreatsPoints for every RM1 spent on education, utilities, insurance, EzyPay and petrol
• Up to 40% dining discount at participating Marriott Bonvoy hotels and resorts in Malaysia, plus golf privileges
• Complimentary travel takaful coverage of up to RM2,000,000
• 16x annual access to participating Plaza Premium Lounges in Malaysia and overseas