Maybank Islamic Ikhwan Mastercard Gold Card-i
Maybank Islamic Ikhwan Mastercard Gold Card-i
RM 2,000
Minimum monthly income
RM 0
Annual fee
Free for life
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Product details
Product details
Benefits
Umrah Trip
Three monthly Umrah winner (package for 2 pax) will be selected to win an Umrah package (for Muslims) or holiday package (for non-Muslims) - non-exchangeable / transferable. Spend a retail transaction of RM200 minimum on a single receipt. Every RM200 and above spent in a single receipt is equivalent to 1x Entry.
Charity Fund
With every spending, the Bank will contribute 0.1% for charity purposes.
Maybank TreatsPoints
Every RM1 spent locally and overseas earns 1 TreatsPoints (except for petrol and groceries on Friday & Saturday, including government bodies' spend and e-wallet reloads).
| Government Bodies / JomPAY / FPX | No TreatsPoints |
| Education Institutions | 1x Point |
| Insurance Providers | 1x Point |
| Utilities | 1x Point |
| 0% EzyPay | 1x Point |
| E-Wallet Reloads | No TreatsPoints |
Features
Good for
Islamic & Cashback
5% rebate on Petrol and Grocery spend (Friday and Saturday only, capped at RM50 monthly)
1X TreatsPoints for every RM1 on Overseas and Local Retail, including Petrol, Utilities, Education, Insurance and 0% EzyPay
TreatsPoints can be redeemed with gifts, gadgets, vouchers and even air miles (20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles)
0.1% contribution on Charity spend
Three monthly Umrah/Holiday winner (package for 2pax)
Eligibility
| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free for life |
| Annual fee waiver | Yes | Free for life |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | Zero interest with one-time upfront handling fees of 1.88% and 3% for 6 and 12 months of tenure. For other tenures, enjoy interest rate as low as 4.50% p.a. |
| Annual fee |
RM 0 Free for life |
| Annual fee waiver |
Yes Free for life |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
0% Zero interest with one-time upfront handling fees of 1.88% and 3% for 6 and 12 months of tenure. For other tenures, enjoy interest rate as low as 4.50% p.a. |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employee:
- Copy of NRIC (both sides) or Passport
- Latest BE Form with official tax receipt
- Latest 3 months' salary slip or Latest EPF Statement
Self Employed:
- Copies of Business Registration
- Latest 6 months' Bank Statement
Expatriate:
- Letter from employer confirming duration of employment contract in Malaysia
For more information, please click the links below.
Maybank Islamic Credit Cards Terms and Conditions
Maybank Islamic Mastercard Ikhwan Gold Credit Card-i Product Disclosure Sheet
Maybank Islamic Credit Cards Terms and Conditions
Maybank Islamic Mastercard Ikhwan Gold Credit Card-i Product Disclosure Sheet
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Product review by
Spending money with your credit card doesn’t have to be an unpleasant experience. With the Maybank Islamic Mastercard Ikhwan Gold Card, it provides you both cashback and rewards for cardholders to enjoy maximum benefits while using a credit card.
Receive cashback and earn TreatsPoints when you swipe your Mastercard Ikhwan Gold Card
Reap the rewards of the Maybank Islamic Mastercard Ikhwan Gold Card and enjoy 5% cashback when you make your purchases on groceries and petrol. You can only receive cashback during Fridays or Saturdays. In order to receive cashback, you have to spend a minimum of RM500. The cashback you are eligible to receive is capped at RM50 per month. Hence, as long as you spend a minimum amount of RM1000 every month, you’ll earn the maximum RM50 back. Take note that this only applies to principal cardholders only.
Swipe away on all your transactions made internationally or locally with your Maybank Ikhwan Credit Card as you will earn 1x TreatsPoints for each transaction. Once you have accumulated enough TreatsPoints, you can redeem gifts and products from Maybank. Bear in mind, you will not earn TreatsPoints for transactions that fall under e-wallet reloads, government services and petrol or groceries when made on a Friday or Saturday.
Giving back to the community
When you’re the owner of the Maybank Mastercard Ikhwan Gold card, you’ll stand a chance to receive a complimentary Umrah Package for 2 at Mecca or a holiday trip if you are a not a muslim. This is one of the ways on how Maybank gives back to their loyal customers. To send in your entry, simply spend a minimum amount of RM200 in one receipt. Each single receipt of RM200 and above will be counted as one entry.
Apart from that, this Maybank Islamic Mastercard also offers a way of charity by contributing to the respective charity organizations. Aligned with the Shariah laws, 0.1% from your spendings will be given back to the society. What a way to make you feel good while spending on your daily necessities or travelling fares
Can't find what you're looking for? Read our article to find out the Best Maybank Credit Cards in Malaysia.
FAQs
FAQs
At CompareHero, we make it simple for you to apply for a credit card with ease. You can apply directly on our website and within a few days we will help to process it for you.
Your monthly income should be at least RM2,000 every month or RM24,000 every year with an age of either 21 years old and above for the principal card or 18 years old and above for the supplementary card.
There is no annual fee for both principal and supplementary cardholders for as long as you are the card owner of the Maybank Islamic Mastercard Ikhwan Gold.
Despite having zero annual fees, there are several other charges applied. One of them includes a late payment fee which is 1% or RM10 when you didn’t make your payment on time. Aside from that, there are interest charges as well depending on how soon you make your payments. For times when you successfully made your payment within 12 months consecutively, you will be charged with 15% per year. When you make your repayments 10 out of the 12 months, you will be charged with 17%. Other than that, you will be charged with 18% when it is beyond those time periods.
- - Receive 5% cashback for your groceries or petrol transactions on Friday or Saturday
- - Gain 1x TreatsPoints for your transactions
- - Secure an Umrah package to Mecca for Muslims or travel package for cardholders who are not Muslims
- - Give part of your spendings to charity
For any fresh graduates or earning an average income, you can benefit from the Maybank Islamic Ikhwan Mastercard Gold Card-i. This would be especially useful when you are too busy during the weekdays to buy your groceries or pump petrol into your vehicles so you only have time during the end of the week. Aside from that, if you love to give back to society, you could do so with this credit card. If you also dream of going on a pilgrimage to Mecca, this credit card would help make your dream come true. However if you are a non-muslim, then you could stand a chance to win a travel package instead.
