Maybank American Express Charge Card

Maybank

Annual Income

RM 30,000

Annual Fee (Main)

Free for Life

Annual Fee (Sup)

Free for Life

Basic Info

Spending Criteria

Lounge Access

Mileage Partners

Official Website Link

Earn 2X Membership Rewards for every RM1 spent on the American Express® Card in Malaysia or Overseas.

Earn 1X Membership Rewards points for every Ringgit spent on Education Institutions, Insurance Provider will, Utilities, Petrol and Maybank EzyPay Installment.

For more info, click HERE

Expenditure

Multiplier

Shopping

2x Membership Rewards

Transport

2x Membership Rewards

Pharmacy

2x Membership Rewards

Petrol

1x Membership Rewards

Utilities

1x Membership Rewards

Insurance

1x Membership Rewards

Groceries

2x Membership Rewards

Entertainment

2x Membership Rewards

Dining

2x Membership Rewards

E wallet

Not Applicable

Education

1x Membership Rewards

Online e-commerce

2x Membership Rewards

Oversea

2x Membership Rewards

Hotel

2x Membership Rewards

Airlines

2x Membership Rewards

Duty Free

2x Membership Rewards

Not a Cash Back Card

Expenditure

Cash Back (Cap)

Shopping

Not Applicable

Transport

Not Applicable

Pharmacy

Not Applicable

Petrol

Not Applicable

Utilities

Not Applicable

Insurance

Not Applicable

Groceries

Not Applicable

Entertainment

Not Applicable

Dining

Not Applicable

E wallet

Not Applicable

Education

Not Applicable

Online e-commerce

Not Applicable

Oversea

Not Applicable

Hotel

Not Applicable

Airlines

Not Applicable

Duty Free

Not Applicable

TOTAL

Not Applicable

Airlines

1,000 Partner Miles

Malaysia Airlines

12,500

AirAsia

5,600

Singapore Airlines

12,500

Cathay Pacific

12,500

Air France

Not Applicable

EVA Air

Not Applicable

British Airways

Not Applicable

Etihad Airways

5,600

Turkish Airlines

Not Applicable

Qatar Airways

Not Applicable

Emirates

5,600

Japan Airlines

Not Applicable

Qantas Airways

Not Applicable

Vietnam Airlines

Not Applicable

Thai Airways

5,600

United Airlines

Not Applicable

Hainan Airlines

Not Applicable

Delta Airlines

5,600

Batik Air

Not Applicable

Please refer to the table below:

Full-service carrier (FSC)

Oneworld members:

Malaysia Airlines, Cathay Pacific, British Airways, Qatar Airways, Japan Airlines and Qantas

Star Alliance members:

Singapore Airlines, EVA Air, Thai Airways, Turkish Airlines and United Airlines

SkyTeam members:

Air France, Delta Airlines, Vietnam Airlines

No alliance:

Etihad, Erimates and Hainan Airlines.

Low-cost carrier (LCC)

AirAsia and Batik Air

Balance Transfer

Balance Transfer Plan – It is a feature that allows you to move debt from one or more existing credit cards or loans to a new credit card, typically with a lower or promotional interest rate.
Loan on Card Plan – It is a feature that allows a cardholder to convert their available credit limit into cash, which they can then repay in fixed monthly installments over a set period, often with a specific interest rate.
Installment Plan – It is an easy payment plan breaks down a large purchase into manageable monthly installments, making it easier to afford expensive items over time.
Periodically, certain banks may offer promotional campaigns with highly competitive interest rates. We recommend checking the credit card services page of each bank for the latest offers.

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

1.88% / 0%

1,000 (RM 50,000 max)

0% / 9%

1,000 (90% of credit limit)

3% / 0% OR 0% / 12%

1,000 (RM 50,000 max) OR (90% of credit limit)

Not Applicable

0% / 4.5%

1,000 (90% of credit limit)

0% / 4.95%

2,000 (90% of credit limit)

The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the balance transfer plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the balance transfer accrues interest at 9.88% per annum.

Loan on Card

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

3.88% / 0%

2,000 (70% of credit limit)

Not Applicable

RM 100 / 8.88%

2,000 (70% of credit limit)

RM 100 / 8.88%

2,000 (70% of credit limit)

RM 100 / 8.88%

2,000 (70% of credit limit)

RM 100 / 8.88%

2,000 (70% of credit limit)

The name of this service differs across banks. For example, Maybank refers to it as EzyCash, AmBank as QuickCash, Hong Leong Bank as Call for Cash Plus, CIMB as CashLite, and RHB Bank as CashXcess, among others.
The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the Loan on Card plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the Loan on Card Plan accrues interest at 9.88% per annum.

Installment Plan

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

0% / 9%

500

Not Applicable

0% / 9%

500

0% / 9%

3,000

0% / 9%

5,000

Not Applicable

0% Easy Pay
- Only applies at selected partner merchants that have a collaboration with the bank.
- The bank absorbs the cost (or shares it with the merchant), so the customer enjoys true 0% interest.
- Tenure can be quite long (up to 36 months), but strictly limited to purchases at those merchants.
Flexi Payment Plan (FPP)
- Can be applied to any retail purchase (not limited to partner merchants).
- Since it’s not subsidized by a merchant, the bank charges an interest rate (e.g., 9.88% p.a. or similar).
- Gives flexibility but at a cost.

Extra Information

Please refer to the table below:

Element

Info

FD Pledge

FD Pledge Amount

Not Applicable

Min Credit Limit

Not Applicable

PPL Access (Main)

Not Applicable

PPL Access (Sup)

Not Applicable

PPL Spending Requirement

Not Applicable

PPL T&C

TCL Access (Main)

Not Applicable

TCL Access (Sup)

Not Applicable

TCL T&C

Travel Insurance

YES

Travel Insurance Max Coverage

RM 250,000

Travel Insurance T&C

Golf

Not Applicable

Golf T&C

Oversea FX Rate

2.5%

Last Update

24 Aug 2025