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Maybank American Express Cash Back Gold

Maybank American Express Cash Back Gold

RM 2,500

Minimum monthly income

RM 70

Annual fee
waived for first year


Interest rate p.a


Balance transfer rate (fixed)

Product details

Good for Cashback
Up to 1.5% Cashback on Overseas spend
Up to 1% Cashback on Local spend
Minimum monthly income RM 2,500
Minimum age:
Cardholder 21
Supplementary Cardholder 18
Fees & Charges
Annual fee RM 70
waived for first year
Annual fee waiver Yes
waived for first year
Late payment fee RM 10/1%
1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
Interest rate 18%
Settling minimum payment due for 12 consecutive month
Balance transfer rate (fixed) 0%
12 months Balance Transfer period
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employee:

  • Copy of NRIC (both sides) or Passport
  • Latest BE Form with official tax receipt
  • Latest 3 months' salary slip or Latest EPF Statement

Self Employed:

  • Copies of Business Registration
  • Latest 6 months' Bank Statement


  • Letter from employer confirming duration of employment contract in Malaysia

Product review by

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 spendings

It doesn’t matter what you spend on, you’ll be able 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 cash back is unlimited, meaning you can receive as much cash back as you wish for all your spendings.

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 cash back earned is based on one 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 cash back being automatically credited into 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 supplementary cards, once you have signed up for the Maybank American Express Cash Back Gold card. With the amount of cash back earned through your spendings, you’ll get to pay the annual fee.

Can't find what you're looking for? Read our article to find out the Best Maybank Credit Cards in Malaysia.


It is very simple and easy to apply for the AMEX Cash Back Gold Credit Card with us! You can apply directly online on our website and fill up your necessary details. From there, we will help to process your application. If you’re having trouble with the online application, drop a message on WhatsApp or a call at this number: +6012-385 0211.

The minimum monthly income requirement for the AMEX Cash Back Gold card is quite low, which is at RM2,500. As long as you have a stable income that is more than that, you can apply for this credit card with ease. The required minimum age for the principal card is 21 years old while for supplementary cardholders, it is at least 18 years old and above. 

For the first year, both principal and supplementary cardholders get to enjoy their annual fees being waived. However, in subsequent years, there will be an annual fee of RM70 for principal cardholders whereas the annual fee for supplementary cardholders will be RM45. 

Since there are annual fees, the sales and service tax charges are 6%. You will also be charged a 5% or RM18 based on the cash advance amount as well. Aside from that, you will also be charged with a late payment fee if you fail to make your repayments on time. It would be 1% or RM10 from the total amount that is overdue, capped at RM100. There is also a fee of RM50 if you were to ever lose your card and require a replacement. 

  • Receive 1% cash back for all your local transactions 
  • Receive 1.5% cash back for all your international transactions 
  • Low annual fees every year

If you like to shop, dine, travel and more, then getting an American Express Cash Back Gold Card is great for you. You will be able to enjoy a lot of premium benefits in terms of rewards points, cash back, and other travel perks! 

Maybank American Express Cash Back Gold
Maybank American Express Cash Back Gold
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