Maybank Islamic Petronas Ikhwan Visa Gold Card-i
Maybank Islamic Petronas Ikhwan Visa Gold Card-i
RM 2,500
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
A Shariah-based card
No annual fee and no conditions attached
Non Compounding Charges
Save more with non-compounding charges every month
Maybank TreatsPoints
| 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
8% cashback on Petronas (Weekend) spend
1% cashback on Petronas (Weekday) spend
1X TreatsPoints for every RM1 spent on utilities, education, insurance and 0% EzyPay (except government bodies and e-wallet reloads)
TreatsPoints can be redeemed with gifts, gadgets, vouchers and even air miles (20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles)
ZERO Annual Fee
RM10 per month for Etiqa Mutiara Takaful Plus Plan
Eligibility
| Minimum monthly income | RM 2,500 |
| 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 Petronas Ikhwan Visa Gold Credit Card-i Product Disclosure Sheet
Maybank Islamic Credit Cards Terms and Conditions
Maybank Islamic Petronas Ikhwan Visa Gold Credit Card-i Product Disclosure Sheet
Product review by 
Product review by
Do you happen to travel often on the highways? Well, with the Maybank Islamic Ikhwan American Express Gold Credit Card-i, you get to drive anywhere you’d like while getting rewarded at the same time.
Travel and get rewarded
You don’t get rewarded by travelling with flights, but by driving along the road instead! For all the times you pump petrol to your vehicle at any Petronas station, you get to receive 8% cashback during the weekends! Perfect if you’re too busy on weekdays to head over to the petrol stations. However, if you happen to have no choice but to refill your petrol tank on weekdays, you still get to receive some cashback which is at 1%.
Aside from earning rewards through petrol stations, when you spend on retail transactions, you’ll be entitled to receive 1x TreatsPoints, including groceries! Perfect if you’re always the one that’s heading out to purchase your household daily needs. This also applies to overseas transactions alongside locally.
Transactions involving EzyPay, insurance, utilities and education also enable you to receive 1x TreatsPoints.
The plus point of it all is that all your accumulated TreatsPoints do not have an expiry date! Hence, you can continue to accumulate as much as you want without having to care about whether you’ve got to use them within a time frame.
Exclusive Maybank features
This Maybank Ikhwan PETRONAS Visa Gold Card makes your travelling safer. One fantastic feature that comes along with the Maybank PETRONAS Ikhwan Visa Gold Credit Card is the Etiqa Mutiara Takaful Plus Plan which is a protection plan that only requires RM10 a month to invest.
You will also be happy to know that this credit card also comes with the Maybank feature where you can convert your accumulated TreatsPoints into redeeming several items offered by Maybank such as technology, household, air miles (20,000 TreatsPoints = 1,000 Enrich/KrisFlyer/Asia Miles) and many more.
Can't find what you're looking for? Read our article to find out the Best Maybank Credit Cards in Malaysia.
FAQs
FAQs
Enjoy an efficient way to apply for your credit cards with our easy application process! By applying directly on our website, you’re just a few steps away from getting your hands on the credit card.
The required minimum income every month for both supplementary and principal cards is RM2,500 or RM30,000 every year. As for the minimum age requirement, cardholders need to be 21 years old and above (principal card) or 18 years old and above (for supplementary card).
Due to this credit card being based on Shariah principles, there are absolutely zero charges for annual fees. This applies to both the supplementary and principal cards.
Of course, despite having no annual fees, there are still the regular finance charges applied to this credit card. The levels go from 15%, 17% and up to 18% annually. Each of these levels are based on how consistent you are with your repayments. When you pay consistently for 12 months, you’ll get the lowest rate which is at 15%. If you pay 10 months out of that 12 months, then you’ll be charged with 17%. Lastly, if you are late for more than that, then it’ll be 18%. The late payment charges are as of other Maybank cards which is 1% or RM10 from the total balance that is overdue.
- Gain 8% cashback during the weekends at PETRONAS stations and 1% during the weekdays
- Gain 1x TreatsPoints for retail transactions including groceries and EzyPay, insurance, utilities, education
- Insurance protection plan by Takaful
For those who happen to travel very often along the road, this credit card is best suited for you. When your job requires you to head back and forth between states, it can be easy to use up alot of fuel. With this credit card, at least you get to earn something for all the times you’re pumping petrol at the service stations. Aside from that, it would also be beneficial to those that regularly buy groceries and other retail spendings since you get to receive 1x TreatsPoints.
