Maybank American Express Cash Back Gold
Maybank American Express Cash Back Gold
RM 2,500
Minimum monthly income
RM 0
Annual fee
Free for the first year for the Principal Card and 2 Supplementary Cards. Thereafter, RM70 for the Principal Card and RM45 for the Supplementary Card
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Cashback
Unlimited 1.5% cashback on Overseas Retail Spend
Unlimited 1% cashback on Local Retail Spend
No annual fees for the first year for the Principal Card and 2 Supplementary Cards
Eligibility
| Minimum monthly income | RM 2,500 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year for the Principal Card and 2 Supplementary Cards. Thereafter, RM70 for the Principal Card and RM45 for the Supplementary Card |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | Zero interest with one-time upfront handling fees of 1.88% and 3% for 6 and 12 months of tenure. For other tenures, enjoy interest rate as low as 4.50% p.a. |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year for the Principal Card and 2 Supplementary Cards. Thereafter, RM70 for the Principal Card and RM45 for the Supplementary Card |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
0% Zero interest with one-time upfront handling fees of 1.88% and 3% for 6 and 12 months of tenure. For other tenures, enjoy interest rate as low as 4.50% p.a. |
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
Expatriate:
- Letter from employer confirming duration of employment contract in Malaysia
For more information, please click the links below.
Maybank Credit Cards Terms and Conditions
Maybank American Express Cash Back Gold Credit Card Product Disclosure Sheet
Maybank Credit Cards Terms and Conditions
Maybank American Express Cash Back Gold Credit Card Product Disclosure Sheet
Product review by 
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 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 cash back 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 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 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.
Can't find what you're looking for? Read our article to find out the Best Maybank Credit Cards in Malaysia.
FAQs
FAQs
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.
The minimum monthly income requirement for the Maybank 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 two (2) 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.
The sales and service tax charges are RM25 yearly. 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 a late payment fee if you fail to make your repayments on time. It would be 1% or RM10 of 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 retail transactions
- Receive 1.5% cash back for all your international retail transactions
- Low annual fees every year
If you like to shop, dine, travel and more, then getting the Maybank 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!
