• Best Maybank Islamic Credit Cards in Malaysia

    Maybank Islamic Credit Cards
    Credit Card
    Annual Fee
    Reward type
    Maybank Islamic Ikhwan Platinum
    Annual Fee:
    Free
    Reward type:
    Fuel, Groceries, Utilities, Shopping
    Maybank Islamic Ikhwan AmEx Gold
    Annual Fee:
    Free
    Reward type:
    Fuel, Groceries, Utilities, Shopping, LifeStyle
    Maybank Islamic Ikhwan Infinite
    Annual Fee:
    RM 800
    Free for 1st year
    Free with minimum spend of RM 50,000 per annum
    Reward type:
    Fuel, Groceries, Travel, Shopping, LifeStyle
    Maybank Islamic PETRONAS Gold-i
    Annual Fee:
    Free
    Reward type:
    Fuel, Groceries, Shopping, LifeStyle
    Maybank Islamic PETRONAS Platinum-i
    Annual Fee:
    Free
    Reward type:
    Fuel, Groceries, Shopping, LifeStyle

    Overview of Maybank Islamic Credit Cards

    Given the majority of the population of Malaysia are Muslims, it only makes sense for Maybank to offer Islamic banking to its huge customer base in Malaysia. The Islamic cards offered by Maybank provide great benefits including option to transfer balance of other bank cards to your Maybank Islamic cards with payment terms up to 36 months. If the payment term is chosen as 12 months then the interest charged is 0%. The different Islamic credit cards offered by Maybank and their features are listed below

    Types of Maybank Islamic Credit Cards

    Maybank Islamic Ikhwan American Express Gold:

    This credit card is free for life and has no annual fee. The interest rate of this card is 15% p.a. This card is designed for everyday use with greatest benefit coming from petrol purchases. This card offers 5 reward points for every RM 1 spent on petrol, 2 points for every RM 1 spent on retail expenses and 3 points for every RM 1 spent on Etiqa Takaful products. This card has an annual income requirement of RM 30000.

    Maybank Islamic Ikhwan Visa Infinite Card-i:

    This card has an annual fee of RM 848 and an interest rate of 15% p.a. The card is tailored for travellers and provides 5 reward points for every RM 1 spent on overseas retail expenses and 2 reward points for every RM 1 spent on retail expenses locally. These points can be traded in for Air Miles that offer discounts from MAS, Singapore Airlines and Qatar Airways. The conversion rate is 45oo reward points for 1000 air miles. The card also gives access to premium golf clubs. This card has an annual income requirement of RM 180,000.

    Maybank Islamic Ikhwan American Express Platinum:

    This card has no annual fee and an annual interest rate of 15%. This card provides optimum benefits when used to purchase petrol. The card offers 5 reward points for every RM 1 spent on petrol purchases and 2 reward points for every RM 1 spent on other retail expenses. This card has a minimum annual income requirement of RM 60,000.

    Maybank Islamic Petronas Ikhwan Visa Gold:

    This card has an interest rate of 15% p.a. and has no annual fees. It is free for life. It offers reward points on petrol purchases at Petronas stations and increases when the card is charged for petrol expenses during the weekends. It offers 5 reward points for every RM 1 spent on petrol at Petronas stations every weekday, 8 points for every RM 1 spent at Petronas stations on weekends and 8 reward points for every RM 1 spent on groceries in the weekend. This card has a minimum annual income requirement of RM 30,000.

    Maybank Islamic Petronas Ikhwan Visa Platinum:

    This card has no annual fees and is free for life. The interest rate charged on this card is 15% p.a. This card also offers 8 reward points for every RM 1 spent on groceries and petrol at Petronas every weekend and 5 reward points for every RM 1 spent on petrol at Petronas on weekdays. These reward points do not expire. The platinum card also comes with a free Maybank Touch N Go Zing Card. The minimum annual income required to avail this card is RM 60,000.

    Maybank Islamic Credit Card Comparison

    Card Key Info Features & Benefits
    Maybank Islamic MasterCard Ikhwan Platinum Card

    The minimum income required to avail this card is RM 60,000 per annum.

    The card has no annual fees and is free for life.

    The cardholders can save up on non-compounding charges.

    This card charges no annual fees without any terms or conditions attached to it. This card has an ongoing campaign running on it that started on August 2014 wherein cardholders stand a chance to win one weekly non exchangeable/non-transferable Umrah trip for 2 passengers. This trip will be an Umrah package for Muslim cardholders and a holiday package for non-Muslim card holders. Every time the cardholders spend RM 200 or above in a single receipt they earn a 1x entry. Winners are selected every 3 months.


    The card also earns a 5% cash rebate which is capped to RM 50 per month per principal cardholder whenever groceries or petrol is purchased over Friday and Saturday. The card also serves a social purpose in which the bank contributes 0.1% of every expense charged on the card to charity. The card offers 1 TreatsPoints for every RM 1 spent locally or overseas and also comes with a complimentary Maybank Touch N Go Zing Card

    Maybank Islamic MasterCard Ikhwan Gold Card

    The minimum anual income required to avail this card is RM 30,000.

    This card is free for Life and has no annual fees cardholders can save up on non-compounding charges.

    This card has an ongoing campaign that kicked off on August 2014 wherein selected card members stand a chance to win an Umrah package for Muslim card members or a holiday package for non-Muslim card members based on their expenses charged. Every RM 200 or above charged on the card in a single receipt earns the card members a 1x entry.

    The card also serves the society in a befitting way where the bank contributes 0.1% of the expenses charged on the card to a charity fund. The card not only provides a chance for a holiday/Umrah package but earns a 5% cash rebate on purchases of petrol or groceries over Friday and Saturday capped to RM 50 per month per principal card member and also earns 1 TreatsPoints for every RM 1 spent on retail purchases locally or overseas.

    The card comes with a complimentary Maybank Touch N Go Zing Card.

    Maybank Islamic Ikhwan Visa Infinite Card-i

    The annual fee for the principal card is RM 800. This annual fee is waived for the first year and is applicable for the subsequent years. Annual fees are waived if expenses totalling to RM 50,000 per annum are charged to the card.

    The supplementary card is free and has no annual fees for up to 4 supplementary cards. The 5th Supplementary card will attract an annual fees of RM 400. The minimum annual income required to avail this card is RM 180,000.

    This card is catered for daily use and rewards use of the card through TreatsPoints. The card earns 2 TreatsPoints for every RM 1 spent on local retail expenses. The card earns 5 TreatsPoints for every RM 1 spent on retail expenses overseas. The card also provides the cardholder 10,000 TreatsPoints upon activation of the card. These TreatsPoints can be redeemed for enrich miles that offer great benefits to cardholders from Airlines such as Malaysia Airlines or the TreatsPoints can be redeemed for Kris Flyer Miles that give great deals on Singapore Airlines. The rate of conversion of TreatsPoints to Miles are low with 4770 TreatsPoints being equivalent to 1000 Air Miles. These Air Miles can be redeemed for flexi travel airline tickets or cruises or for car rentals through Mayflower.
    Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i Minimum income required to avail this card is RM 30,000 per annum
    This card has no annual fees and is Free For Life. Card members can save up on Non-compounding charges
    PETRONAS Ikhwan Visa has no annual fees. This waiver comes free of any terms or conditions attached to it. The card allows card members to save on non-compounding charges every month. This card offers exclusive Petronas privileges and earns 5 TreatsPoints for every RM 1 spent at Petronas service stations on the weekdays and 8 TreatsPoints for every RM 1 spent at Petronas service stations on the weekends. Card members can redeem these TreatsPoints for Petrol Vouchers and enjoy free petrol
    The card also offers 8 TreatsPoints for every RM 1 spent on groceries during the weekend. The card also has other value added features such as a complementary Maybank Touch N Go Zing Card which is an automatic reload card that is linked to the Petronas Ikhwan Visa credit card
    Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i Minimum income required to avail this card is RM 60,000 per annum
    There is no annual fees and the card is free for life. Cardholders can save up on Non-compounding charges
    This card has no annual fee and is free for life without any terms or conditions attached to it. The cardholders can not only save up on non-compounding charges every month but also earn TreatsPoints for expenses incurred at Petronas Service stations. The card earns 5 TreatsPoints for every RM 1 spent on weekdays and 8 TreatsPoints on every RM 1 spent on weekends at Petronas service stations. These TreatsPoints can be redeemed for petrol vouchers that can be used to avail free petrol. The TreatsPoints are not just limited to petrol, the cards earn 8 TreatsPoints for every RM 1 spent on purchase of groceries over the weekend. Along with the Petronas Ikhwan Visa Platinum card, cardholder will get a linked Maybank Touch N Go Zing card which is an automatic reload card

    Why Choose Maybank Islamic Credit Cards

    Maybank offers Shariah based Islamic credit cards that offer the cardholder benefits such as a 20 day interest free period and a balance transfer program with interest rates starting from 0% p.a. The cards also offer reward points for everyday expenses such as petrol. These reward points cab be traded in for gifts such as stationary and electronic appliances. These points can also be converted into air miles and the card offers great discounts from select airlines. The Islamic credit cards from Maybank extract the maximum value of each expense of the cardholder.

    Features and Benefits of Maybank Islamic Credit Cards

    • The Minimum monthly payment is 5% of the outstanding amount
    • The Late payment penalty is 1% of the outstanding amount
    • The daily cash withdrawal limit is RM 5000 and the withdrawal fee is 5.3% of the withdrawn amount. The interest charged on cash withdrawals is 18%
    • There is a balance transfer program with payment terms of 6, 9, 12, 24 and 36 months
    • The card has a flexible payment option with terms ranging from 3 months to 36 months

    Maybank Islamic Credit Cards Eligibility

    • The minimum age for the primary cardholder is 21 years of age and the minimum age of the supplementary cardholder is 18 years of age
    • The minimum income required to avail the Maybank Islamic Ikhwan American Express Gold card and the Maybank Islamic Petronas Ikhwan Visa Gold credit card is RM 30,000.
    • The minimum income required to avail the Maybank Islamic Ikhwan American Express Platinum card and Maybank Islamic Petronas Ikhwan Visa Platinum credit card is RM 60,000.
    • The minimum income required to avail the Maybank Islamic Ikhwan Visa Infinite Card-I is RM 180,000.

    Frequently Asked Questions - Maybank Islamic Credit Cards


    Q) What is the minimum monthly payment to be made on Maybank Islamic credit cards?

    A) The minimum monthly payment that needs to be made is 5% of the outstanding amount

    Q) Do the Maybank Islamic credit cards have international validity?

    A) Yes. The Maybank Islamic cards in fact offer more 2 times the reward points when used for retail expenses overseas. It also gives the cardholder access to premium international golf clubs

    Q) What are the late payment charges?

    A) It is advisable to pay the bills on time. Late payment attracts a penalty of 1% on the outstanding amount.

    Q) Do the cards have a payment in instalments feature?

    A) Yes. The cards from Maybank have flexi pay options with payment terms ranging from 3 months to 24 months at 0% interest when the cardholder spends up to RM 50. If the cardholder spends anywhere from RM 500 to RM 30,000 then the payment terms are 6, 12, 18 and 24 months at an interest rate of 9% p.a.

    Q) Do the Maybank Islamic Cards have a balance transfer program?

    A) Yes. The Maybank Islamic cards offer a balance transfer plan that allows you to shift the debt or outstanding dues of another bank’s card onto the Islamic credit cards and if the payment term is chosen as a year, then no interest is levied.

    Other Products offered by Maybank Islamic:

    Apart from offering Credit Card, Maybank Islamic offers other products and services which include:

    Credit Cards
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