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    Maybank Islamic Credit Card

    Maybank Islamic offers you a variety of credit cards for your everyday requirements. You can use these cards for your transactions for shopping, dining, utility bill payments, etc.

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    Features and Benefits

    • The credit cards function on the basis of Islamic principles of banking.
    • Use your credit card for online and offline transactions.
    • Enjoy a free supplementary card.
    • Enjoy value-added services, such as balance transfer plan, instalment payment plan, etc.
    • You can also enjoy an annual fee waiver on some cards if you fulfil the qualification criteria for it.
    • Get automatic reloadable Touch ‘n Go Zing Card with your credit card.

    Maybank Islamic Credit Cards – An Overview

    Card Name Ideal For Key Benefits Annual Fee Annual Income Requirement
    Maybank Islamic Mastercard Ikhwan Gold Card Those looking for Umrah trip package (for Muslims) or holiday package (for non-Muslims)
    • Earn 1x TreatsPoints on transactions for groceries, petrol, insurance, etc.
    • 0.1% from your each transaction donated to charity
    Waived RM30,000
    Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i Petrol purchases, grocery, utilities, education institutes, and insurance premium payments
    • Earn 1x TreatsPoints on transactions for groceries, petrol, insurance, etc.
    • 8% cashback on weekends at PETRONAS stations and 1% cashback on weekdays
    Waived RM30,000 (for Malaysians) RM60,000 (for expatriates)
    Maybank Islamic Ikhwan American Express Gold Card-i Everyday expenses
    • 1x TreatsPoints on expenses for utilities, petrol, education, and insurance
    • Earn 2x TreatsPoints on all other purchase
    Waived RM30,000
    Maybank Islamic Mastercard Ikhwan Platinum Card Umrah trip package (for Muslims) or holiday package (for non-Muslims)
    • Earn 1x TreatsPoints on groceries, petrol, related transactions
    • 0.1% from your each transaction donated to charity
    Waived RM60,000
    Maybank Islamic Ikhwan American Express Platinum Card-i Everyday purchases
    • 1x TreatsPoints on expenses for utilities, petrol, education, and insurance
    • 2x TreatsPoints on all other spends
    Waived RM60,000
    Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i Petrol purchases, grocery, utilities, education institutes, and insurance premium payments
    • Earn 1x TreatsPoints on expenses for groceries, petrol, insurance, etc.
    • 8% cashback on weekends at PETRONAS stations and 1% cashback on weekdays
    Waived RM60,000 (for both Malaysians and expatriates)
    Maybank Islamic World Mastercard Ikhwan International purchases, charity donation, and Muslim-friendly travel packages
    • 5x TreatsPoints on local purchases of minimum RM2
    • 5x TreatsPoints each RM1 spent overseas
    Waived for the first year RM100,000
    Maybank Islamic Ikhwan Visa Infinite Card-i Local and overseas transactions and golf privileges
    • Up to 2x TreatsPoints for every RM1 spent locally
    • 5x TreatsPoints for each RM1 spent overseas
    • 10,000 TreatsPoints on activation of the card
    RM800 RM120,000

    *Interest Rates: 15%p.a. to 18%p.a

    Best Maybank Islamic Credit Cards

    Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i: Best for Cashback

    • Earn 8% cashback on your petrol purchases at PETRONAS stations on Saturdays and Sundays.
    • Enjoy 1% cashback on your petrol purchases at PETRONAS stations from Monday to Friday.
    • Earn 1x TreatsPoints for your retail transactions.
    • Get a complimentary Touch ‘n Go Zing Card that is linked to your credit card.
    • Annual fee is not charged for both principal and supplementary cards.

    Maybank Islamic World Mastercard Ikhwan: Best for Rewards

    • Enjoy 5x TreatsPoints on every local spend of RM2 on the card.
    • Earn 5x TreatsPoints on each RM1 spent overseas.
    • Enjoy 1x TreatsPoints on each transaction made for petrol, utility bills, insurance, education, and EzyPay.
    • Enjoy 10,000 TreatsPoints when you spend with the card for the first time after its activation.
    • The card offers an annual fee waiver for the first year.

    Maybank Islamic Ikhwan Visa Infinite Card-i: Best for Travel

    • Enjoy 5x TreatsPoints on each RM1 spent overseas and 2x TreatsPoints on each RM1 spent locally.
    • Get 10,000 TreatsPoints on activation of the card.
    • Convert your accumulated TreatsPoints into Enrich Miles (MAS) and KrisFlyer Miles (Singapore Airlines) at a conversion rate of 4,770 TreatsPoints = 1,000 Air Miles.
    •  Redeem your earned TreatsPoints for cruises or car rentals, airline tickets, etc.
    • Enjoy special discounts and dining privileges at participating hotels across Asia Pacific region.
    • Enjoy special benefits on room rates at participating hotels.
    • Get 5x complimentary access to Plaza Premium Lounge at participating international lounges.
    • Enjoy exclusive golf privileges across 86 participating golf clubs in 18 countries.

    Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i: Best for Petrol

    • No annual fee charged for life.
    • Get a free Touch ‘n Go Zing Card.
    • Earn 8% cashback on your petrol purchases at PETRONAS stations on Saturdays and Sundays.
    • Get 1% cashback on your petrol purchases at PETRONAS stations from Monday to Friday.
    • Earn 1x TreatsPoints on transactions made for utilities, petrol, EzyPay facility, insurance premiums, and educational institutes.
    • Obtain Mesra Points all PETRONAS stations when you make any transaction for petrol or Kedai Mesra items.

    Rewards Programme

    • American Express Privileges: If you are an American Express cardholder, you can access worldwide offers with American Express SELECTS. This includes benefits on hotel, dining, car rental experiences, along with many other privileges around the world.
    • Treats On-The-Spot Redemption: All Visa and Mastercard holders issued by Maybank Islamic can participate in this redemption programme. All American Express cardholder can also participate. At a conversion rate of 500 Points = RM1, you can redeem your accumulated TreatsPoints for various items.

    Maybank Islamic Credit Card Promotions

    • Shop at KIPLING outlets and pay with your Maybank credit card to get a discount of 15% on various normal-priced products. You can also get a free KIPLING monkey keychain for a minimum purchase of RM350. The promotional offer is valid until 31 October 2018.
    • Dine at Atelier on Telawi in Kuala Lumpur and enjoy 15% discount on your bill when you spend a minimum of RM350 in a single receipt. This offer is available on a la carte menu. You can also get 15% discount on a 7-course set menu at the restaurant. This promotion is valid till 31 December 2018.

    Payment Plans

    • Maybank EzyPay: You can convert your purchases at participating merchants into affordable monthly instalments at the rate of 0% p.a. You can get repayment tenures of 3 months to a maximum of 36 months under this facility.
    • Maybank EzyPay Plus: With EzyPay Plus, you can convert your bills as low as RM500 into convenient monthly instalments at a rate of 9% p.a. You can obtain a tenure of up to 24 months under this facility.
    • Maybank EzyCash-i: Get instant cash from your available credit limit and pay it back in easy instalments. One-time fee of 3.88% of the approved amount is charged. Moreover, you can get a repayment tenure of 6 months for this facility.
    • Maybank Auto PayBills: This automatic bill payment facility allows you to make payments for your various utility bills. Enrol for the feature to avoid long payment queues and late payment penalties on your bills.

    Balance Transfer Plan

    Convert your dues for other banks’ credit cards into one Maybank Islamic account through this programme. Principal cardholder can choose tenures up to 36 months as per their requirements. Find out more about the plan below.

    Tenure One time Upfront Fee Interest Rate Minimum Transfer Amount
    6 months NA 0.50% per month RM1,000
    9 months NA 0.75% per month RM1,000
    12 months 3% 0% per month RM1,000
    24 months NA 0.375% per month RM2,000
    36 months NA 0.413% per month RM2,000

    Insurance Plans

    • Credit Care Plus Plan: This debt relief plan covers the outstanding dues on your credit card in case of your death, total and permanent disability, or diagnosis of any listed critical illness. You can get a cover of up to RM100,000 per card. All Principal Maybank and American Express Credit cardholders between 21-60 years of age can apply for this facility.
    • Travel Insurance: Whenever you book your flight tickets using your Maybank Islamic credit card, you can get complimentary travel personal accident insurance coverage of up to RM2 million.

    Eligibility Criteria

    Nationality Criteria

    • Malaysian citizens
    • Expatriates

    Age Criteria

    • For principal cards: Minimum 21 years
    • For supplementary cards: Minimum 18 years

    Income Requirement

    Cards Income Required
    Maybank Islamic Mastercard Ikhwan Gold Card RM30,000 p.a.
    Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i RM30,000 p.a. (for Malaysians); RM60,000 p.a. (for expatriates)
    Maybank Islamic Ikhwan American Express Gold Card-i RM30,000 p.a.
    Maybank Islamic Mastercard Ikhwan Platinum Card RM60,000 p.a.
    Maybank Islamic Ikhwan American Express Platinum Card-i RM60,000 p.a.
    Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i RM60,000 p.a. (for both Malaysians and expatriates)
    Maybank Islamic World Mastercard Ikhwan RM100,000 p.a.
    Maybank Islamic Ikhwan Visa Infinite Card-i RM120,000 p.a.

     

    Documents Required

    Following documents are required at the time of making an application for a Maybank Islamic Credit Card:

    For a salary earning applicant

    • Copy of NRIC (both sides)
    • Latest salary slips (for 3 months)
    • Latest savings/current account statements (for 6 months)
    • BE form with official tax payment receipt

    For a self-employed applicant

    • Copy of NRIC (both sides)
    • Latest bank statements (for 6 months)
    • Copy of Business Registration Certificate

    For an expatriate working in Malaysia

    • A valid copy of passport
    • Employment confirmation letter from the employer stating contract of duration of employment in Malaysia

    Fees and Charges

    Type of Fees Charges
    Annual Fee (Principal Cards)
    • Maybank Islamic Mastercard Ikhwan Gold Card: Waived for life
    • Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i: Waived for life
    • Maybank Islamic Ikhwan American Express Gold Card-i: Waived for life
    • Maybank Islamic Mastercard Ikhwan Platinum Card: Waived for life
    • Maybank Islamic Ikhwan American Express Platinum Card-i: Waived for life
    • Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i: Waived for life
    • Maybank Islamic World Mastercard Ikhwan: Waived for first year (RM800 for subsequent years, which will be waived if you make transactions worth minimum RM50,000 in a year)
    • Maybank Islamic Ikhwan Visa Infinite Card-i: RM800
    Annual Fee (Supplementary Cards)
    • Maybank Islamic Mastercard Ikhwan Gold Card: Waived for life
    • Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i: Waived for life
    • Maybank Islamic Ikhwan American Express Gold Card-i: Waived for life
    • Maybank Islamic Mastercard Ikhwan Platinum Card: Waived for life
    • Maybank Islamic Ikhwan American Express Platinum Card-i: Waived for life
    • Maybank Islamic PETRONAS Ikhwan Visa Platinum Card-i: Waived for life
    • Maybank Islamic World Mastercard Ikhwan: Waived for first 4 supplementary cards (RM400 for the fifth card)
    • Maybank Islamic Ikhwan Visa Infinite Card-i: Waived up to 4 supplementary cards
    Retail Interest Rate 15% p.a. to 18% p.a. (based on your repayment behaviour)
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee Whichever is higher between 5% of the cash withdrawn or RM18, for each transaction
    Minimum Monthly Payment Whichever is higher between 5% of the outstanding amount and RM25
    Late Payment Fee Whichever is higher between 1% of the outstanding balance and RM10
    Overseas Transaction Charges As per the conversion rate of Visa International/Mastercard Worldwide/American Express. Additionally, 1% service fee will be charged by the bank

    Activating or Cancelling Your Credit Card

    Activate your credit card by any of the following methods:

    • Via Maybank2u
      • Visit www.maybank2u.com.my and log in by providing all required details.
      • Now, click on ‘Accounts and Banking’.
      • Select ‘All Cards’.
      • Select your credit card for activation.
      • Confirm the receipt of the credit card.
      • Enter the TAC sent to your authorised mobile number and click on ‘Submit’.
    • You can also call up the Customer Care Hotline on 1-300 88 6688 and request for the activation of the card.
    • If you want to cancel/discontinue your credit card, you can call up on the credit card helpline on 1-300 88 6688 and put in a request.

    Credit Card Statements

    • You can opt for the e-statement facility on your credit card, through which your monthly credit card statements will be delivered on your email. This service is available at free of cost. You can see your online statements at any time you can also save them in PDF formats. You can register for this feature via your account at Maybank2u.
    • To get a paper copy of your credit card statement, on your postal address, you need to put in a request to the bank. This will cost you RM5 for each statement.

    Security Features

    • Maybank Secure Online Shopping (MSOS): Protect your online shopping through this feature. On registering for the feature, every time you make an online purchase, you are required to provide a MSOS code to authorise your transaction. The code is sent every time to your registered mobile number.
    • Pin and Pay feature: With your PIN-enabled credit card, you need to insert the PIN (6-digit password) associated with your card every time you make a transaction. This feature helps in averting any fraudulent transaction on your card.
    • EMV chip: Every Maybank card comes with an inbuilt, embedded EMV chip that helps you carry out retail transactions in a secured way. This chip captures data electronically, at the time of making a transaction.

    Lost Card Liability

    • Report your lost or stolen card immediately to the bank officials through the following hotlines:
      • 1-300 88 6688.
      • 03-2072 1373.
      • 1-800 883231.

    The bank officials will immediately block your credit card to avoid any fraudulent usage.

    How Do You Increase/Decrease the Credit Limit

    • Download the Credit Limit Increase Form from the official website of the bank.
    • Complete the form by filling all required fields.
    • Attach a set of required income documents to the form.
    • Submit this duly filled form and set of documents to any nearest Maybank Islamic branch. You can also fax it on 03-7953 8640.

    Use your Maybank Islamic credit cards wisely to get the most out of them. Also, whenever you are in a financial crunch, you can consider any of the payment plans available on your Maybank Islamic card.

    Frequently Asked Question’s

    Q. Can I get more than one supplementary card?

    A. Depending on the type of your principal credit card, you can get up to 5 supplementary cards.

    Q. What is the validity for TreatsPoints earned on my credit card?

    A. The validity period for the TreatsPoints is 3 years.

    Q. What documents are necessary if I want to apply for credit limit increase?

    A. Submit the following documents along with a duly filled Credit Card Increase Application Form:

    For a salaried applicant
    • Latest salary slips for 3 months
    • Latest BE form with a valid tax receipt
    • Latest EPF statement
    For a self-employed applicant
    • Latest bank statements for 6 months
    • Latest BE form with a valid LHDN receipt or a tax payment proof
    For a commission earning applicant
    • Latest commission statements for 6 months

    Q. How can I access my old credit card statements through my online bank account?

    A. You need to log into your bank account via Maybank2u. After this, click on ‘e-Bills and Statements’. Now, choose the statement you are looking for under ‘Bills and Cards’ section. You can also save/print the statement if you wish.

    Q. Does the bank charge any credit card card replacement penalty?

    A. If you want a replacement for your credit card, you need to pay a fee of RM50 for per replacement.

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