Maybank MasterCard Gold credit card

Also available as Amex

Maybank MasterCard Gold

Enjoy great travel, dining, and shopping privileges whether you're in Malaysia or abroad. Collect TreatsPoints to redeem rewarding gifts and also waive annual fee!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM130.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Maybank MasterCard Gold

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Maybank MasterCard Gold

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Maybank website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

For every RM1 spend on retail, in Malaysia and overseas, you are entitled for 1x TreatsPoints. You may think RM1 is small number; try multiplying it 100x or more then you'll get the picture how great Maybank TreatsPoints program is. Collect enough TreatsPoints to exchange for more benefits and gifts under the program.
Maybank TreatsPoints
1 point on every RM1on all retail
Your Maybank TreatsPoints earned expires in  3 years
Balance Transfer
Be smart with your money management. Merge all of your credit card debts to your Maybank MasterCard Gold and stop wasting money paying high interest rates as Maybank Balance Transfer has got interest rates as low as 0% and payment terms up to 36 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.88% one-time upfront handling feefrom RM1000 
9 months9% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
36 months4.95% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about Maybankard Balance Transfer Program
Easy Payment Plan (EPP)
Maybank EzyPay offers payment terms up to 24 months, at 0% interest, on purchases from approved merchants. For all other purchases, Maybank EzyPay Plus lets you convert big purchase into smaller instalment up to 24 months at competitive interest rates.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM50 
6 months0% p.a. and no one-time upfront handling feefrom RM50 
12 months0% p.a. and no one-time upfront handling feefrom RM50 
18 months0% p.a. and no one-time upfront handling feefrom RM50 
24 months0% p.a. and no one-time upfront handling feefrom RM50 
36 months0% p.a. and no one-time upfront handling feefrom RM50 
Learn more about Maybankard EzyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months4.5% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
12 months9% p.a. and 0% one-time upfront handling feefrom RM500 up to RM30000
18 months9% p.a. and 0% one-time upfront handling feefrom RM3000 up to RM30000
24 months9% p.a. and 0% one-time upfront handling feefrom RM5000 up to RM30000
Learn more about Maybankard EzyPay PLUS
Not wanting to spend too much on a standalone travel insurance policy? Enjoy up to RM300,000 travel insurance coverage when you charge your travel tickets in full to Maybank MasterCard Gold. Don't be stranded in a foreign country without any clothes!
Travel CoverageSum Insured
Travel InsuranceUp to RM300000
Missed FlightUp to RM300
Lost LuggageUp to RM750
Delayed LuggageUp to RM300
MasterCard Global Service: Have medical assistance benefits, pre-trip information, travel assistance such as emergency cash advance, card or ticket replacement, lost luggage assistance, and legal assistance in the event of emergencies.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM25 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM18.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Maybankard EzyPay
Maybankard EzyPay PLUS
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Maybankard Cash Treats
Maybankard EzyCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Maybankard Balance Transfer Program
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Maybank MasterCard Gold review

What's so good (or not so good) about it?

In our modern world, credit cards are indispensable – gone are the days when you need to bring along heaps of cash in the street, with dangers constantly lurking by the bushes!

By having a plastic card, particularly Maybank MasterCard Gold, you will enjoy greater financial freedom, more space in your pocket and top notch security, everywhere, anytime.

Full-On Travel Protection

One aspect of security you can look at is travel insurance coverage worth RM300,000, effective whenever you charged your fare tickets in full to your Maybank MasterCard Gold. 

This is in addition to cash benefits you will receive when faced with inconveniences during your travel such as lost/delayed luggage or missed/delayed flight.

To top that off, you will be truly blessed with the help of MasterCard Global Service (MGS). Wherever you may be, have them a call for any emergencies hat require immediate attention such as medical assistance, legal assistance and travel assistance (pre-trip information, cash advance, card/ticket replacement, lost luggage).

TreatsPoints Reward Program

Be in control of your purchasing power. Spend RM1 at any retails, in Malaysia or overseas, and earn 1x TreatsPoints, with no limit on your TreatsPoints accumulation. 

If come to think of it, the more you spent, the better as your TreatsPoints will get higher and higher, thus enabling you to redeem for much better gifts, benefits and privileges under Maybank TreatsPoints program.

Line of Credits

Having bulks of cash is good for rainy days. With that in mind, Maybank MasterCard Gold goes extra miles by offering a line of credits for you to manage your finance efficiently. 

You can save on interest payment and have flexible repayment terms via Maybank Balance Transfer, Maybank EzyPay and Maybank EzyPay Plus. What if you're in short of cash? Get instant cash at competitive interest rate and flexible tenure via Maybank EzyCash or Maybank Cash Treats.

Easy to Handle

Getting a credit card means you have finally arrived in life - that also means you have the possibility of 'forgetting' to pay what you have owed. Knowing that, Maybank has provided you with easy bill payments by cash or cheque via Maybank branches, CDM or standing instruction.

Your card will also be accepted anywhere else in the world at over 892,000 ATM machines, in over 130 countries - that's one too many countries to visit in one lifetime.

Your Eligibility

Any Malaysian individuals can apply for the Maybank MasterCard Gold - all you need to be eligible is a minimum yearly income of only RM36,000.

Read More