Maybank American Express Cash Back Gold
Maybank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,500.00
- Minimum annual income
- RM30,000.00
- Qualifying spend
- Category and transaction conditions apply. See the source rows and bank terms below.
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM70.00
- Fee waiver
- First year waived; recurring annual fee RM70.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- AMEX acceptance must be confirmed at the merchant/branch or online checkout. A terminal alone is insufficient to establish acceptance. The calculator applies the user-selected AMEX acceptance percentage before caps; 50% is only an illustrative default. Unaccepted purchases earn no AMEX cashback here, while fees/SST are charged in full. Maybank 2 companion Visa/Mastercard purchases do not earn the AMEX reward.
- Card-specific bank FAQ confirms 1% local/1.5% overseas, no minimum/cap, exclusions including wallet reloads, and no subsequent-year spend-based annual fee waiver. The separate downloaded GRCC cashback PDF is still for Maybank 2 and is not used for this card.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| All overseas retail spending | 1.5% | RM0.00+ | Not specified / uncapped in listing |
| All local retail spending | 1% | RM0.00+ | Not specified / uncapped in listing |
Sources
- Official bank document / product
- Product disclosure sheet
- Official bank document / product
- Maybank AMEX acceptance list (check merchant/branch)
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.