• Min. Monthly Income


  • Interest Rate

    9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Feature Highlights
  • Up to 5x Membership Rewards points from groceries, shopping and entertainment
  • Low interest rate starting from 9% per annum


  • 5 Membership Rewards points for every RM1 spent


  • 5 Membership Rewards points for every RM1 spent at Cathay Cineplex
  • 2 Membership Rewards points for every RM1 spent elsewhere


  • 5 Membership Rewards points for every RM1 spent at Kinokuniya, Borders, Times, and MPH
  • 2 Membership Rewards points for every RM1 spent elsewhere


  • 1 Membership Rewards points for every RM1 spent


  • 1 Membership Rewards points for every RM1 spent on Celcom, DiGi, Maxis, and Telekom bill (via Express Autopay only)

Other Features

  • Balance Transfer

    • 0% per annum for a tenure of 12 months; one-time upfront fee of 3% of transferred amount

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free
Min. Monthly Income RM2,500
Min. age for principal holder


Min. age for supplementary holder


Fee for supplementary holder Free
Finance charges 9% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding amount, up to maximum of RM100

Cash advance amount

RM5,000 daily

Cash advance charge

Higher of RM18 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit


Rewards points expiry

3 years

Product Review by iMoney Malaysia

Collects Rewards With American Express!

Maybank American Express Gold Card offers up to 5 Membership Rewards points for every Ringgit spent on all groceries, entertainment and shopping. On the other hand, payments made on entertainment and shopping outside the selected merchants are allocated 2 Membership Rewards points as well. Earn 1 Membership Rewards points for petrol expenses and selected retail transactions for utilities. Most importantly, you are entitled to a low finance charge of 9% p.a. on your outstanding retail balance which will help you save up to RM730 a year!

Fees and Charges

There is no annual fee for both principal and supplementary card. The Membership Rewards Points will expire in 3 years' time. Other than that, by settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM25 whichever is higher) you get to enjoy a low finance charge of 9% per annum.

Are You Eligible For The Maybank American Express Gold Card?

To apply for Maybank American Express Gold Card, you need a minimum monthly income of RM2,500 and to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Maybank American Express Platinum Card and Hong Leong American Express Classic, which may match your requirements.

If you prefer to broaden your credit card search, review more Maybank credit cards and start comparing today!