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Maybank credit card guide

Last updated: October 25, 2022

Written by: Alyssa Divina | Reviewed by: Rafael Hular

Key takeaways:

  • Whether you’re a bargain hunter or a seasoned traveler, Maybank has a wide selection of credit cards that will suit your needs.
  • The bank has low interest rates, flexible terms and lots of rewards and promotions for the loyal customers.
  • Even if you don’t get approved, just know that there are other alternatives for you if you need urgent credit.
  • You can download an app like Digido and apply for quick cash loans.

About Maybank Philippines

Maybank Philippines is a commercial bank that offers personal banking and corporate banking services to Filipinos nationwide.

They have savings accounts, loans, credit cards, investments, dedicated banking, remittance, and others.

Maybank Philippines is a part of the Maybank Group based in Kuala Lumpur, Malaysia.

You can easily get a credit card from Maybank, and we will discuss it in detail in this blog post.

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Which Maybank card to choose

If you want a Maybank credit card, you can choose between two card suppliers: Visa and Mastercard.

Both Maybank Visa and Mastercard have their own pros and cons, which we will discuss below.

If you’re looking for a Maybank Mastercard CC, you have three options:

Maybank Standard Mastercard

The Maybank Standard Mastercard is perfect for those who want financial flexibility! It is covered by Maybank EzyPlans and you can pay in peso even if you are abroad!

You also earn 1 treat point for every ₱25 you spend!

Maybank Standard Mastercard has a 2% interest rate and ₱2,000 annual fee. If you’re the primary cardholder, your first annual fee will be waived. If this is your supplementary card, the annual fee will be ₱1,000.

The minimum monthly salary requirement for this card is ₱16,250.

Maybank Gold Mastercard

This card is recommended for online shoppers and international travelers.

You also get financial flexibility with the Maybank Gold Mastercard thanks to Maybank EzyPlans! You can pay in peso and this card is also widely accepted worldwide.

You also earn 1 point for every ₱25 spent.

This card has a 2% interest rate and a ₱2,500 annual fee, which can be waived on your first year. This card has a higher monthly salary requirement of ₱35,000.

→ Learn Can I Get a Bad Credit Loan at Digido?

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Maybank Platinum Mastercard

This is the ultimate CC for frequent shoppers and international travelers!

With the Maybank Platinum Mastercard, you earn a 1% cash back on purchases you made overseas! You also get exclusive discounts here and abroad, as well as golf privileges from clubs in 23 countries.

You earn 1 TreatsPoint for every ₱25 spent along with cash credit and miles. You also get a text message for every accepted transaction everywhere.

This card has a 2% interest rate and ₱3,500 primary annual fee, which can be waived for the first year. The foreign currency transaction fee is 1.8%.

To avail of this card, you must have a minimum of ₱54,167 monthly income.

On the other hand, if you want a Maybank Visa CC, you have five cards to choose from:

Maybank Visa Infinite

With Maybank Visa Infinite, you get 1% cash back on every purchase you made overseas! Plus, you get complimentary travel and accident insurance and lounge access for two!

You can also enjoy golf privileges from 18 countries, exclusive regional promos and Visa Infinite Exclusive Programs!

Just with all the other cards listed above, you earn 1 TreatsPoint for every ₱25 spent.

Visa Infinite’s annual fee is perpetually waived but has an interest rate of 2%. It also has a 1.75% issuer service fee on foreign currency transactions.

Maybank Visa Classic

You can also reach your dream of financial flexibility with Maybank Visa Classic!

This card is powered with Maybank EzyPlans and you can pay in peso even with transactions abroad. It is also widely accepted so no need to worry about getting declined!

Maybank Visa Classic cards are equipped with secure EMV chips to prevent fraudulent transactions. You will also receive text notifications for every successful transaction and OTPs through the Maybank Secure Online Shopping system.

The interest rate is 2% and the annual fee is ₱2,000 which can be waived for your first year. The minimum monthly income required is ₱16,250.

Maybank Visa Gold

Enjoy free flights and cash rebates with Maybank Gold Visa!
With this card, you can earn 1 TreatsPoint for every ₱25 spent! You can also use your card flexibly even when abroad with Maybank EzyPlans.

This card has a 2% interest rate and a ₱2,500 annual fee which can be waived on your first year. The minimum monthly salary income required is ₱35,000.

Maybank Visa Platinum

Are you a frequent traveler? Then the Maybank Visa Platinum is for you!

You get 1% cash back every time you use this card while overseas! You also get cash credit and miles, golf club privileges and exclusive discounts here and abroad!

For security, you will receive an instant text message for every successful transaction.

To avail of this card, you must have a minimum monthly salary of ₱54,167. Interest rate is 2% and the annual fee is ₱3,500 which can be waived on your first year.

Maybank Manchester United Credit Card

Red Devils Unite! Be a part of the team with the Maybank Manchester United Credit Card!

The ultimate card for the ultimate United fan, you get 5x Treats points every time the team wins a Premier League match! You also get 10x Treats points if you purchase at United Direct Online Megastore!

Plus, you get exclusive discounts at Old Trafford, Red Cafe, United Direct Online Megastore and Manchester United Stadium and Museum Tour! And that’s not all: approved and activated ManU CCs will get a ₱1,000 cash credit!

This card has a ₱2,500 annual fee which can be waived for the first year.

So to summarize, here are tables describing Maybank’s CC offerings:

Maybank Mastercard

Maybank Standard Mastercard 2% interest rate

₱2,000 annual fee (waived for first year)

Minimum annual income of ₱195,000

Existing credit card required

Age must be 21-65 years old

Cash advance fee of ₱200 per transaction

Maybank Gold Mastercard 2% interest rate

₱2,500 annual fee (waived for first year)

₱420,000 minimum annual income

Existing credit card required

Age must be 21-65 years old

Cash advance fee of ₱200 per transaction

Maybank Platinum Mastercard 2% interest rate

₱3,500 annual fee (waived for first year)

Minimum annual income of ₱650,000

Existing credit card required

Age must be 21-65 years old

Cash advance fee of ₱500 per transaction

FAQ

  • Is there a Maybank credit card promo?
    You can check the latest Maybank CC promos at Maybank site.
  • Is there a Maybank credit card point system?
    You can earn TreatsPoints every time you use your Maybank credit card! To know more, visit here.
  • How can I check my Maybank credit card application status?
    If you applied for a Maybank CC, you can expect to be contacted by a customer service representative within 1-2 banking days. If not, you can follow up by calling at 8588-3888 or emailing at mpi.customerservice@maybank.com.
  • Can you do Maybank easy payment?
    With Maybank EzyPay, you can avail of 0% interest and up to 24-month installments when you shop using your Maybank CC at any of their partner merchants. Go to https://www.maybank.com.ph/en/personal/cards/ezyplans/ezypay.page to know more.
  • What is the Maybank credit card hotline?
    You can call the Maybank customer service at 8588-3888.

→ Learn more about Urgent Cash Loans For Unemployed

Maybank Visa

Maybank Visa Infinite 2% interest rate

No annual fee

1.75% issuer service fee on foreign currency transactions

Maybank Visa Classic 2% interest rate

₱2,000 annual fee (waived for first year)

Minimum annual income of ₱195,000

Existing credit card required

Age must be 21-65 years old

Cash advance fee of ₱200 per transaction

Maybank Visa Gold 2% interest rate

₱2,500 annual fee (waived for first year)

Minimum annual income of ₱420,000

Existing credit card required

Age must be 21-65 years old

Cash advance fee of ₱200 per transaction

Maybank Visa Platinum 2% interest rate

₱3,500 annual fee (waived for first year)

1.8% foreign currency transaction fee

Minimum annual income of ₱650,000

Existing credit card required

Age must be 21-65 years old

Cash advance fee of ₱200 per transaction

As you can see, the Maybank credit card interest rate falls at 2%. Meanwhile, the Maybank cash advance rate ranges from ₱200-₱500 per transaction.

Your Maybank credit limit will depend on the terms and conditions agreed upon.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

→ Also read all about Digido loan app for easy cash

Maybank credit card Requirements

Interested in a CC from Maybank? Have you chosen what card you’re applying for?

Before you proceed with your Maybank credit card application, you must meet the eligibility criteria and prepare the requirements.

To be eligible for a Maybank CC, you must be:

  • At least 21 to 65 years old
  • A Filipino or a foreigner with local residence
  • Have a working landline or mobile phone number

Here are the requirements:

  • 1 valid ID (SSS ID, UMID, TIN ID, passport, driver’s license, company ID
  • Latest ITR (BIR Form 2316 or Form 1701)
  • Three months’ latest payslips or latest audited financial statements
  • Certificate of employment if you’re a regular employee
  • If self-employed, DTI or SEC registration
  • Alien certificate of registration for foreign applicants

→ Also learn more about fast student loan online

How to apply for a Maybank credit card

You can apply for a Maybank credit card by visiting a branch near you or approaching a kiosk at a mall, but the most convenient way is to apply online!

Once you’ve gathered all the necessary documents, go to its site.

Once there, you have to answer all the questions:

✦ Have you been a principal cardholder of a credit card for at least 10 months, with at least ₱30,000 credit limit?
✦ Do you have an existing Maybank deposit with at least ₱50,000 average daily balance for the last 6 months?
✦ Do you have an existing Maybank personal, auto or housing loan?
✦ Are you a regular employee, self-employed or an OFW?

After answering these questions, you will be directed to an online application form. You’ll have to provide your:

✦ Full name

✦ contact information

✦ home address

✦ date & place of birth

✦ Mother’s maiden name

✦ Gender

✦ Civil status

✦ Citizenship

Once completed, agree to the terms & conditions then click submit.

Maybank credit card alternatives

If your Maybank credit card application got denied, do note that there are lots of great alternatives out there!

One example is a lending app that will grant you quick personal loans without the hassle of going to a branch or long application times. And that’s Digido!
With Digido, you can loan a minimum of ₱1,000 and a maximum of ₱25,000 if you’re a repeat borrower – all in five minutes!

Just download the Digido app on your smartphone, prepare your valid ID, sign up and apply using the app and wait to be approved! You’ll get your credit through your preferred bank account or e-wallet.

Apply now

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Written by: Alyssa Divina

Author pages:
Alyssa Divina pens blog articles about a wide range of topics, such as money matters and government transactions in the Philippines. Prior to joining Digido Finance Corp., she served as a journalist for Charlton Media Group, a business news magazine, for two years. She holds a degree in Journalism from the University of the Philippines Diliman.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.