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A Shariah-based card
No annual fee and no conditions attached
Non Compounding Charges
Save more with non compounding charges every month
Treatpoints
| Government Bodies / JomPAY / FPX | No TreatsPoints |
| Education Institutions | 1x Point |
| Insurance Providers | 1x Point |
| Utilities | 1x Point |
| 0% EzyPay | 1x Point |
| E-Wallet Reloads | No TreatsPoints |
| Minimum monthly income | RM 2,500 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
| Annual fee | RM 0 | waived for life |
| Annual fee waiver | Yes | waived for life |
| 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% | 12 months Balance Transfer period |
| Annual fee |
RM 0 waived for life |
| Annual fee waiver |
Yes waived for life |
| 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% 12 months Balance Transfer period |
You will need to provide several documents such as (varies between different banks):
Salaried Employee:
Self Employed:
Expatriate:
Do you happen to travel often on the highways? Well, with the Maybank Islamic Ikhwan American Express Gold Credit Card-i, you get to drive anywhere you’d like while getting rewarded at the same time.
You don’t get rewarded by travelling with flights, but by driving along the road instead! For all the times you pump petrol to your vehicle at any Petronas stations, you get to receive 8% cashback during the weekends! Perfect if you’re too busy on weekdays to head over to the petrol stations. However, if you happen to have no choice but to refill your petrol tank on weekdays, you still get to receive some cashback which is at 1%.
Aside from earning rewards through petrol stations, when you spend on retail transactions, you’ll be entitled to receive 1x TreatsPoints, including groceries! Perfect if you’re always the one that’s heading out to purchase your household daily needs. This also applies to overseas transactions alongside locally.
Transactions involving EzyPay, insurance, utilities and education also enable you to receive 1x TreatsPoints.
The plus point of it all is that all your accumulated TreatsPoints does not have an expiry date! Hence, you can continue to accumulate as much as you want without having to care about whether you’ve got to use them within a time frame.
This Maybank Ikhwan PETRONAS Visa Gold Card makes your travelling even easier by having the feature to automatically reload your Zing Card by Touch ‘n Go. If you haven’t gotten one yet, you’ll also get it for free upon activating your credit card.
Other fantastic features that come along with the Maybank PETRONAS Ikhwan Visa Gold Credit Card is the Etiqa Mutiara Takaful Plus Plan which is a protection plan that only requires RM10 a month to invest.
You will also be happy to know that this credit card also comes with the Maybank feature where you can convert your accumulated TreatsPoints into redeeming several items offered by Maybank such as technology, household, and many more.
Can't find what you're looking for? Read our article to find out the Best Maybank Credit Cards in Malaysia.
Enjoy an efficient way to apply for your credit cards with our easy application process! By applying directly on our website, you’re just two steps away from getting your hands on the credit card. Our friendly customer service will be able to assist you if there’s any problems throughout the application process. You can reach out to them at +6012-385 0211.
The required minimum income every month for both supplementary and principal cards is RM2,500 or RM30,000 every year. As for the minimum age requirement, cardholders need to be 21 years old and above (principal card) or 18 years old and above (for supplementary card).
Due to this credit card being based on Shariah, there are absolutely zero charges for annual fees. This applies to both the supplementary and principal cards.
Of course, despite having no annual fees, there are still the regular finance charges applied to this credit card. The levels go from 15%, 17% and up to 18% annually. Each of these levels are based on how consistent you are with your repayments. When you pay consistently for 12 months, you’ll get the lowest rate which is at 15%. If you pay 10 months out of that 12 months, then you’ll be charged with 17%. Lastly, if you are late for more than that, then it’ll be 18%. The late payment charges are as of other Maybank cards which is 1% or RM10 from the total balance that is overdue.
For those who happen to travel very often along the road, this credit card is best suited for you. When your job requires you to head back and forth between states, it can be easy to use up alot of fuel. With this credit card, at least you get to earn something for all the times you’re pumping petrol at the service stations. Aside from that, it would also be beneficial to those that regularly buy groceries and other retail spendings since you get to receive 1x TreatsPoints.
