Let’s be honest—choosing a credit card can be super overwhelming.
There are so many options out there promising rewards, cashback, and “exclusive” benefits. But today, I want to share a card that genuinely offers solid value—especially if you’re just starting out or want something simple yet rewarding: the Maybank 2 Gold Card.
Yep, you read that right—two cards in one application, no annual fee ever, and some neat perks that can help you save (and even earn a little extra) if you use it smartly. Let’s break it down together.
Let’s Unpack the Maybank 2 Gold Card
When I first heard about this card, I thought, “Wait, I get TWO cards with one application?” And it’s true—you’ll receive both an American Express (AMEX) and a Mastercard or Visa, all tied to a single account and statement.
Even better? There’s a lifetime annual fee waiver.
That alone is a big win if you’re not into paying extra just to hold a card.
But the real value lies in how you use both cards strategically. Let’s dive in.
How the Dual-Card System Works
The Maybank 2 AMEX Gold Card
This one’s the MVP—if you play your cards right:
- 5% weekend cashback on local and overseas spending (capped at RM50 per month)
- 5X TreatsPoints on weekdays for retail and petrol transactions
The Maybank 2 Mastercard/Visa Gold Card
This is your trusty backup—especially where AMEX isn’t accepted. Perfect for:
- Everyday spending like groceries or dining
- 1X TreatsPoint per RM1 on all retail spending
How to Earn Cashback on Weekends
Here’s where the AMEX Gold Card truly shines—5% cashback on weekends (Saturday & Sunday).
Here’s the quick math:
- Spend up to RM1,000 per month = maximum RM50 cashback
- Applies to both local and overseas transactions
- Exclusions: Government bodies, utilities, e-wallet top-ups
Pro Tip: You can still earn cashback using AMEX in apps like Grab, Lazada, and Shopee—as long as you’re not topping up a wallet.
Bonus: Supplementary cards share the same cashback pool. So if you’re managing family expenses, this can be a clever way to maximise the RM50 cap.
Understanding Maybank TreatsPoints
Besides cashback, you’ll be racking up TreatsPoints too. Here’s how:
AMEX Gold Card
- 5X points on weekdays (retail & petrol)
- 1X point for education, insurance, utilities
- No points for JomPay, FPX, e-wallet reloads, or government payments
- Petrol is capped at RM500/month (beyond that = 1X point)
Mastercard/Visa Gold Card
- Flat 1X point per RM1 on all retail spending—even for utilities and education
- No points for JomPay, FPX, e-wallet reloads, or government payments
Redeeming TreatsPoints
This is the fun part—use your points for gadgets, vouchers, or even air miles!
Air miles conversion:
- 20,000 TreatsPoints = 1,000 miles (Enrich, KrisFlyer, Asia Miles)
- There’s a monthly air miles redemption cap (up to 100M miles), so redeem early!
Other Features Worth Mentioning
- Lifetime annual fee waiver for both principal and supplementary cards
- Apple Pay integration
- 0% Balance Transfer for clearing other card debts
- EzyCash for quick funds at lower interest than personal loans
- 0% EzyPay at participating merchants
- Exclusive promos for shopping, dining, and travel
- Only RM2,500 monthly income (RM30k/year) needed to qualify
What About Fees?
What you won’t pay:
- No annual fee—EVER
What you might pay:
- Late Payment Fee: 1% of balance (min RM10, max RM100)
- Interest Rate: 15% p.a. (if you consistently pay at least the minimum)
- SST: RM25/year per card—but redeemable with TreatsPoints
Personal Experience Using the Maybank 2 Gold Card
Now that we’ve gone through the features, benefits, and strategies, let me share a bit about my own experience using the Maybank 2 Gold Card—because let’s be real, sometimes it helps to hear from someone who actually uses it day to day.
1. Super Easy to Apply
I applied online and, to my surprise, it was really smooth.
Within a week, both the AMEX and Mastercard cards were delivered right to my doorstep.
No need to visit a branch or do anything extra.
2. MAE App Integration is very Convenient
One of my favourite things about this card is how well it integrates with the MAE app.
Both the AMEX and Mastercard show up in the app, with all your transactions laid out clearly. I get notified when a payment is due (which helps a lot when I forget), and the app basically doubles as my expense tracker. Because of this, I’ve started paying for most of my daily expenses with my credit card instead of my debit card—just so I can better track my cashflow.
From a budgeting perspective, this is gold. I can clearly see where my money goes each month, and it makes managing my spending habits so much easier.
3. Less anxious by not worrying about surprise declines at checkout
You know that awkward moment when you realise your debit card isn’t going through because you forgot to transfer money into your savings account?
Yeah, I don’t worry about that anymore.
As long as I stay within my credit limit and pay it off on time, my Maybank 2 Gold Card has made paying for stuff way less stressful.
4. Quick Support During Fraud
There was one time I noticed a strange transaction on my Mastercard Gold card—I didn’t panic though.
Through the MAE app, I was able to freeze the card immediately and called Maybank to report it. They handled it professionally, and I didn’t suffer any losses.
It was reassuring to see how efficient their fraud response system was.
5. AMEX? Use It Where You Can
I’ll be honest—I don’t use the AMEX card as much as I’d like to.
Not every merchant accepts it, and that’s a bit of a bummer when you’re chasing that weekend cashback.
Most of my transactions end up going through the Mastercard just for convenience.
That said, it’s worth checking out the list of AMEX-accepting merchants here on Lowyat.net so you can plan your spending accordingly.
Who Should Get the Maybank 2 Gold Card?
It’s great if you:
- Spend on weekends and want that 5% cashback
- Make weekday purchases for 5X points
- Want to build credit with zero annual fees
- Like having two cards for flexibility (AMEX for rewards, Mastercard/Visa for acceptance)
Maybe skip it if:
- You mostly spend in low-points categories (e.g., utilities, insurance)
- You consistently spend more than RM1,000 on weekends (cashback cap limits benefit)
- You want a card that’s better for frequent flyer miles accumulation
How to Apply for the Maybank 2 Gold Card
It’s pretty simple:
- Must be 21+ years old (18 for supplementary).
- Minimum income: RM30,000/year for Malaysians.
- Submit your NRIC/passport, payslips or bank statements, and you’re good to go.
You can apply on RinggitPlus—super convenient!
Tips to Maximise Your Maybank 2 Gold Card
- Use AMEX on weekends (avoid topping up e-wallets) to hit RM50 cashback
- Use AMEX on weekdays for 5X TreatsPoints, especially for petrol
- Use your Mastercard/Visa as a backup when AMEX isn’t accepted
- Redeem points early in the month if aiming for air miles
- Always pay your bills on time to avoid late fees & interest
- Not using the backup card much? Consider cancelling to save on SST
Is the Maybank 2 Gold Card Your Perfect Pair?
In my honest opinion?
Yes. It’s one of the best no-annual-fee credit cards in Malaysia right now—perfect for beginners or anyone wanting to earn while spending wisely.
Use it smartly, and it’s a powerful tool in your financial toolkit.
Go ahead—give it a shot. May your weekends be forever rewarding!
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