Maybank 2 Gold Cards
Maybank 2 Gold Cards
Pay no annual fees for your American Express and MasterCard or Visa. Extra rewards with AMEX, 5x TreatsPoints on all retail and 5% cashback on weekend spends!
Get a Nintendo Switch 2 worth RM 2,488when you apply with CompareHero*
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Eligibility
Minimum monthly income
RM 2,500 (RM 30,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Malaysians and Expatriates
Document required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest BE Form with official tax receipt
- Latest 3 months salary slip
- Latest 6 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for life
Late Payment Fee
RM 25 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Benefits
- Spend any amount on the weekends, and get 5% cashback on all spending locally or abroad charged to your Maybank 2 American Express Card, capped at RM50 per month per principal cardholder.
- 5x TreatsPoints for all weekday spending on your Maybank 2 American Express Card. You can also earn 1x TreatsPoint on all your spending with MasterCard or Visa. The accumulated TreatsPoints can be redeemed with gifts, vouchers and air miles (20,000 TreatsPoints are equivalent to 1,000 Enrich/KrisFlyer/Asia Miles).
- Swipe on petrol during the weekdays, and get 5x TreatsPoints (capped at RM500 per transaction, and if exceeded RM500, you'll earn 1x TreatsPoints instead) with your American Express Card or 1x TreatsPoints every day with your Maybank 2 MasterCard or Visa.
Product review by CompareHero
Maybank 2 Gold Cards: The Best No-Fee Credit Card for Maximum Rewards
Looking for a credit card that offers cashback, rewards, and zero annual fees? The Maybank 2 Gold Cards are an excellent option. This unique dual-card setup includes both the Maybank 2 Gold Mastercard and the Maybank 2 Gold American Express, allowing you to earn more with every purchase and maximize savings.
Whether you're a frequent shopper, foodie, or traveler, these cards offer unbeatable benefits.
Why the Maybank 2 Gold Cards Stand Out
If you want to earn high rewards without high costs, here’s why the Maybank 2 Gold Cards stand out:
- 5% Weekend Cashback on dining, shopping, and entertainment when you use the Maybank 2 Gold American Express on weekends, capped at RM50 per month. This gives you up to RM600 cashback annually.
- 5x TreatsPoints on weekday transactions using the American Express card, allowing you to accumulate rewards faster.
- 1x TreatsPoints on Mastercard transactions, making every ringgit spent valuable.
- Flexible Reward Redemptions – Convert TreatsPoints into cashback, shopping vouchers, gifts, or air miles with airlines like Malaysia Airlines, Singapore Airlines, and Cathay Pacific.
- Complimentary Travel Insurance– Get up to RM500,000 in travel insurance when you purchase your flight ticket with the card.
Pro Tip: Use the American Express for weekend dining and shopping to maximize cashback, while the Mastercard is ideal for international transactions and at non-AMEX merchants.
Exclusive Benefits & Travel Perks
The Maybank 2 Gold Cards come with a range of exclusive perks for those who enjoy dining out, traveling, or shopping:
- Complimentary Travel Insurance – Coverage of up to RM500,000 for flight accidents and trip interruptions when you pay for your flight ticket using the card.
- Worldwide Acceptance – Enjoy the benefits of global Mastercard and American Express access wherever you go.
- Dining & Shopping Privileges – Enjoy special discounts at selected restaurants, retail stores, and travel partners with the American Express card.
- Secure Transactions – Your purchases are protected with EMV chip security, contactless payments, and 3D Secure authentication.
No Annual Fees & Flexible Payment Options
One of the best features of the Maybank 2 Gold Cards is that they come with no annual fees for life. Here are the additional benefits:
- Zero Annual Fees for Life – Never worry about annual card renewal fees. You only need to pay the RM25 government service tax annually.
- Maybank EzyPay & EzyPay Plus – Convert large purchases into 0% interest installment plans for up to 36 months.
- Balance Transfer Plans – Transfer existing credit card balances and enjoy lower interest rates.
- Cash Treats Feature – If you need quick cash, you can easily access funds with Maybank’s cash advance option.
Maybank 2 Gold Cards Finance Charge
Maybank offers competitive interest rates based on your repayment record:
| Conditions of Repayments | Tiered Interest Rate (Per Annum) |
| Prompt Repayment every month | 15% |
| Prompt Repayment 10 out of 12 months | 17% |
| Prompt Repayment of less than 10 out of 12 months AND New Cardmembers | 18% |
Enjoy a 20-day interest-free period if you pay off your balance in full each month. A late payment fee of 1% of the outstanding balance (minimum RM10, maximum RM100) applies if you miss the payment deadline.
No Annual Fee
The best thing you can get from these Maybank credit cards is that you don't have to pay annual fees for both AMEX, MasterCard/Visa cards.
Who else would willing to give out a bundled credit card that hosts a slew of benefits for free? Go figure.
Am I eligible to apply and what are the required documents?
If you're a Malaysian who owns a Maybank account and is earning a minimum annual income of RM30,000, you are eligible to apply for this credit card. If you're an expatriate, you need to have a minimum annual income of RM60,000 and own a Maybank account to be eligible.
To apply as the principal cardholder, please prepare the following documents accordingly.
For salaried employees:
- Copy of IC (both sides) or Passport
- Latest 3 months salary slips
- Latest 6 months savings account activity/current account statement
For self-employed:
- Copy of your IC (both sides) or Passport
- Copies of Business Registration Certificates/Trading License/Form 9, Form 24, Form 49
- Form B/Latest EA form
- Latest 6 months personal/company bank statement
For expatriates:
- Letter from employer confirming duration of employment contract in Malaysia
To apply for a supplementary card, please prepare a copy of the cardholder's IC (both sides) or Passport.
Final Thoughts: Is the Maybank 2 Gold Cards Right for You?
The Maybank 2 Gold Cards are an excellent choice for those who want to earn cashback, rewards, and enjoy travel perks without worrying about annual fees. If you frequently dine out, shop online, or travel, these cards offer great value, with 5% cashback on weekends, 5x TreatsPoints on weekday purchases, and no annual fees.
If you’re looking for a flexible, rewards-driven credit card with great perks and no yearly fees, the Maybank 2 Gold Cards are the right choice for you.