PRODUCT DISCLOSURE SHEET

Read this Product Disclosure Sheet before you decide to take the
Maybank Credit card. Be sure also to read the general terms and
conditions. Seek clarification from your institution if you do not Credit Card Product Disclosure Sheet
understand any part of this document or general terms. Conventional Credit Card
Date: 18th August 2020
1. What is the product about?
 A Maybank Credit Card comes with a line of credit granted by us to you and where any amount of the credit utilised by you has not been
fully settle in full on or before a specified date, the unsettled amount will be subject to finance charges.

Conventional Card Type

American Express® Platinum Credit Card Maybank Shopee Visa Platinum Card
Maybank Visa Signature card Maybank GRAB Mastercard Platinum Credit Card
Maybank FC Barcelona Visa Signature Card
Singapore Airlines KrisFlyer American Express® Gold Credit Card
Maybank 2 Cards (Gold / Platinum)
PETRONAS Maybank Visa Card (Gold / Platinum)
Maybank Manchester United Visa Gold Card
American Express® Cash Back Gold Credit Card

2. What do I get from this product?

 Credit Limit
Maybank credit card’s limit will be determined based on the individual credit assessment and the type of credit card applied by the
customers including Principal and Supplementary card.
 Credit limit Increase Application
Maybank implements the combined credit limit for existing Cardmembers. Therefore, if Cardmembers request to increase credit limit,
they must provide their latest income document(s). All applications are subject to approval.
 Reward Points:

Card Type TreatsPoints / Membership Reward™ Points/ Shopee Coins/ Grab Points
RM1 = 2X Membership Rewards™ points on any spend and 5X Membership Rewards™
American Express Platinum Credit
points for all groceries, cinemas, participating bookstores and telecommunication
Card
charges.

Maybank Visa Signature Card RM1 = 5X TreatsPoints on overseas spend and 1X TreatsPoint on local spend.
RM2 = 1 KrisFlyer mile for all purchases.RM2 = 2 KrisFlyer miles for purchase ticket
Singapore Airlines KrisFlyer online at [Link].
American Express Gold Credit Card *Valid for flights originating from Malaysia only

RM1 = 5X TreatsPoints for spend on weekdays with Maybank 2 American Express Card
Maybank 2 Cards (Gold / Platinum) (No points will be awarded for spend on weekends).
1X TreatsPoint for every RM spend on Maybank 2 Mastercard®/ Visa Card.
RM1 = 1X TreatsPoint for all purchases and 5X TreatsPoints on groceries spend.
RM1 = 5X TreatsPoints for all purchases (except petrol and groceries) when
Maybank Manchester United Visa
Manchester United wins a Premier League Match.
Gold Card
RM1 = 10X TreatsPoints for spend on United Direct Online Megastore at
[Link]
RM1 = 5X TreatsPoints for all purchases made at PETRONAS Service Station on
PETRONAS Maybank Visa Card (Gold
weekdays and 8X TreatsPoints on weekends.
/ Platinum)
RM1 = 8X TreatsPoints for purchase on groceries on weekends.

Every 28th of each month and 9.9 / 11.11 / 12.12 and CNY Campaign (1 Day) and
Raya Campaign (1 Day) (Special)
Every RM1 Spend:
Shopee Spend 5x Maybank Shopee Coins
Maybank Shopee Visa Platinum Card Dining/Paywave/Entertainment Spend 4x Maybank Shopee Coins
Other Spend 1x Maybank Shopee Coins

Remainder of the Calendar year (Normal)

Every RM1 Spend:
Shopee Spend 2x Maybank Shopee Coins
 Dining/Paywave/Entertainment Spend 2x Maybank Shopee Coins
Other Spend 1x Maybank Shopee Coins

 Capped at 5,000 Maybank Shopee Coins per statement cycle

 Welcome gift of 5,000 Maybank Shopee Coins will be awarded upon
activation and first retail transaction with a minimum accumulative spend of
RM300 within 45 days from the date card is approved (excluded from 5,000
Maybank Shopee Coins capped)
 Excess spend will be converted to TreatsPoints
 No Maybank Shopee Coins and TreatsPoints will be rewarded for all
transactions go through “Deals, Top-ups & Bills” and “Food & Services
Vouchers” in the Shopee application
RM1 = 5 Maybank Grab Points for all purchases made in the Grab application (including
Grab e-wallet reloads)
RM1 = 2 Maybank Grab Points for all e-commerce and overseas purchases
RM3 = 1 Maybank Grab Points for all other RM spend

 Welcome gift of 1,000 Maybank Grab Points will be awarded upon activation
Maybank GRAB Mastercard
 Welcome gift of 5 X RM5 GrabRide voucher and 5 X RM5 GrabFood voucher will be
Platinum Credit Card
awarded upon a minimum accumulative spend of RM300 in the Grab application
within 45 days from the date card is approved

Note: No Maybank Grab Points will be awarded for spend on government bodies,
payment via JomPAY and FPX, and any reloads on e-wallets except Grab e-wallet.

Note (applicable to all cards mentioned above):

o Transactions for utilities, education, EzyPay and insurance will earn 1X TreatsPoints and No TreatsPoints will be awarded for spend on
government bodies, any reloads on e-wallets, payment via JomPAY and FPX.
o No TreatsPoints will be awarded for any Cash Back earning transaction.
o Validity of TreatsPoints is 3 years.
o No expiry for Membership Rewards™ points.

 Cash Back:
Card Type Cash Back Capping Per month
Maybank Visa Signature Card 5% Cash Back for all petrol and groceries (domestic only). RM88
Maybank FC Barcelona Visa Signature
1% Cash Back for all purchases for all year-long. RM50
Card
Maybank 2 American Express Card
5% Cash Back for purchases on weekends. RM50
(Gold / Platinum)
American Express Cash Back Gold 1% Cash Back on local spend and 1.5% Cash Back on overseas
No capping
Credit Card spend.
Note (Applicable to all cards mentioned above):
o No Cash Back will be awarded for spend on government bodies, utilities, any reloads on e-wallets, payment via JomPAY and FPX.

 Card Features:
Card Type Card Benefit
American Express Platinum Credit Card - Platinum Lifestyle Programme – Hotel Partners, Leisure Partners & Golf
Partners
- Complimentary Travel & Retail Insurance.
- Retail Protection.
- 24/7 Online Fraud Account Access and Global Assistant.

Maybank Visa Signature Card - Visa Airport Speed Pass. Please visit [Link]
Maybank FC Barcelona Visa Signature Card - Travel insurance coverage
Singapore Airlines KrisFlyer American Express - Double KrisFlyer Miles earned with a minimum spend of RM60,000* within
Gold Credit Card card anniversary date capped at 100,000 KrisFlyer Miles.
*Utilities and government bodies spend will not eligible.-Dining Privileges at
participating hotel & restaurants
- Plaza Premium Lounge local access
 - Travel insurance.
- Emergency replacement card.

Maybank 2 Platinum Cards - Travel insurance coverage

PETRONAS Maybank Visa Card (Gold / Platinum) - Free subscription fee for Maybank Touch n’ Go Zing Card
- Enjoy Mesra points at all PETRONAS Station.
Maybank Manchester United Visa Gold Card - 10% discount for purchase at United Direct Online Megastore and outlet at
Old Trafford
- 10% discount at Red Café at Old Trafford on food and drinks
- 20% discount on full paying adult and concession tickets purchase at Old
Trafford Football Ground.

American Express Cash Back Gold Credit Card -Nil-

Maybank Shopee Visa Platinum Card -Nil-

Maybank GRAB Mastercard Platinum Credit - Accelerated Platinum Grab Membership upgrade
Card - More privileges with Mastercard at [Link]
my/homepage

* Please visit to [Link] for other benefits e.g. Balance Transfer, Maybank 0% EzyPay Instalment Plan, AutoPay and others.

3. What the fees and charges I have to pay?

Fees / Charges
Annual Fees
Card Type Principal Supplementary
RM800 RM550 (First year fee waiver
American Express Platinum Credit Card (First Year Fee for the first 2 supplementary
Waiver) cards)
RM550
First 4 cards free and 5th cards
Maybank Visa Signature Card (First Year Fee
onward RM150 per card.
Waiver)
RM250
Singapore Airlines KrisFlyer American
Express Gold Credit Card
(First Year Fee RM125
Waiver)
RM70 RM45 (First year fee waiver
American Express Cash Back Gold
(First Year Fee for first 2 Supplementary
Credit Card
Waiver) Cards)
Maybank FC Barcelona Visa Signature
Card
Maybank 2 Cards (Gold / Platinum)
PETRONAS Maybank Visa Card (Gold /
Platinum)
Free For Life Free For Life
Manchester United Visa Gold Card
Maybank Shopee Visa Platinum Card
Maybank Grab Mastercard Platinum
Credit Card

Finance Charges Conditions Repayment months/ Total 12 months Per Month Per Annum

For prompt repayment of 12/12 months 1.25% 15%

For prompt repayment of 10/12 months 1.42% 17%
For Prompt repayment of less than 10/12 months 1.50% 18%
Cash Advance (calculated on a daily basis) 1.50% 18%

Cash Advance Fee 5% from the withdrawal amount or a minimum of RM18, whichever is higher
Card Replacement Fee Ringgit Malaysia Fifty (RM50.00) for each of the replacement Card on one (1) Card Account.
 Sales Draft Retrieval Copy Fee Photocopy of sales draft at RM15 per copy.
Statement Copy Request RM5 per month statement (statement period within 2 years)
Fee Note: In exception of damage, non-received and missing, the fixed fee of RM5 per statement copy
applies for request above 3 months from the current statement date
RM10- per month statement (statement period beyond 2 years)
Legal Fees On solicitor and client basis plus other expenses incurred by Maybank in the enforcement of
Maybank’s right and entitlement under T&C
Overseas Transaction The currency of transactions conducted outside Malaysia will be converted into U.S. Dollars before
Conversion Fee being converted into Ringgit Malaysia on the date the transaction record is received and/or processed
by us. The converted amounts will be shown on your statement. The exchange rate used for the
conversion may differ from the rate prevailing on the date of the transaction, due to market
fluctuation. The exchange rate used for the conversion reflects a bundling of (i) currency conversion
components of 1.25% imposed by Visa International or Mastercard International (in the case of Visa
or Mastercard Credit Cards), (ii) a currency conversion rate of 2.5% imposed by American Express
International (in the case of American Express cards), and (ii) 1% or other rate imposed by us from
time to time.

Service Tax  Principal Card: RM25 per Card

 Supplementary Card: RM25 per Card

Note: Service tax will be imposed on each Principal and Supplementary Credit/Charge Cards upon
card activation (or 3 months after the issuance of the card whichever comes first) and card
anniversary.
*Notwithstanding the above Terms and Conditions, the Bank may at its discretion vary the rate of such fees and charges by giving Twenty One (21)
calendar days prior notice to the Cardmembers and such amended rate shall take effect from the date specified in the said notice.

4. What are my obligations?

 Minimum monthly repayment:

5% of statement balance* + 100% monthly instalment**(if any) + 100% past due amount (if any) + amount exceeded credit limit (if any);
OR RM25; whichever is higher on payment due date

*Exclude new credit card instalment approved from 1 October 2019 onwards
**Only applicable to new credit card instalment plan i.e : Balance Transfer, Cash Treats, EzyCash, EzyPay & EzyPay Plus approved from 1
October 2019 onwards.

 The Cardmember should notify Maybank within 20 days from the closing date of billing period as stated on the statement of the account
should there be dispute or discrepancies.
 Cardmember is to take all reasonable precaution to prevent loss or theft of the Credit Card. The Cardmember shall notify Maybank by
telephone, fax or email immediately upon discovery of lost or theft and confirm the same in writing to Maybank
 The Principal Cardholder will be responsible and liable for all charges incurred by the Supplementary Cardmember.
 The Cardmember must ensure that to take all reasonable step and precaution to keep the Card and PIN secured at all times.
 Grace period for retail transactions (not applicable to balance transfer or cash advance) – No charge for 20 days from the statement date,
if you have paid the full amount of your previous month’s retail transactions. If you opt to pay partial or minimum payment, the finance
charges on your unpaid retail transactions will be calculated from the day the transactions are posted to your account.
 The Cardmember must use the credit card responsibly, including not using for unlawful activity.
 The Cardmember must check the account statement and report any discrepancy without undue delay.
5. If you fail to fulfil my obligation.
  Late payment Charges: 1% of the unpaid outstanding balance, subject to a minimum of RM10, whichever is higher, up to a maximum of
RM100.
 Finance Charge: is imposed on the outstanding retail and cash advances/withdrawal transaction that is not paid after the payment due date.
For retail transaction, finance charge is calculated from posting date till full payment is made. For cash advance/withdrawal transaction,
finance charge is calculated from the transaction date till full payment is made.
 Right to set-off: any credit balance in your account maintained with us against any outstanding balance in this credit card account without
assigning reason, by giving 7 calendar days prior notice on our attention to set off a credit balance.
 Liability for unauthorized transactions: The Cardmember shall be liable for all charges and advances whatsoever arising from all transactions,
whether authorized or unauthorized, effected with the credit card.
 If you fail to abide by the terms and conditions of the credit card, we have the right to terminate your card.
 Cardmember will be liable for PIN based unauthorised transaction if Cardmember has:
i) acted fraudulently ,or
ii) delayed in notifying us as soon as reasonably practicable after having discovered the loss or unauthorised use of your card, or
iii) voluntarily disclosed your PIN to another person, or
iv) recorded your PIN on the card, or anything kept in close proximity with your card
 Cardmember will be liable for unauthorised transactions which require Signature card or with a contactless card, if you have:
i) acted fraudulently, or
ii) delayed in notifying us as soon as reasonable practicable after having discovered the loss or unauthorised use of your card,
ii) or left your card or item containing your card unattended in places visible and accessible to others, or
v) voluntarily allowed another person to use your card.
 Maybank shall be entitled at any time at its absolute discretion and without the need to provide any reasons, to revise, vary and/or reduce
the Cardmember’s Credit Limit and such change of Credit Limit takes effect immediately upon notification to the Cardmember. The
Cardmember shall be deemed notified when such change of Credit Limit is reflected in the monthly statement of account.

6. What are the major risks?

 By paying only minimum monthly payment, the charge amount and the time taken to settle the full amount will be increased. Think about
your payment capacity prior to charging the credit card.
 The finance charges imposed on the outstanding balance for this credit card is based on a tiered pricing structure in accordance to your
payment history.

Effective 15 August 2019, the finance charge is imposed on any of your unpaid outstanding balance including all finance charges and any
fees (except late payment charges) that were carried forward from the previous statement balances at the prevailing rate (based on a
tiered pricing structure in accordance to your payment history), until the outstanding balances on your credit card statement are settled
in full.

 If you have problems in paying your Maybank Card balances, kindly contact us early to discuss the alternative payment.
 You should notify us immediately after having found that your Maybank Card is lost or stolen.

7. What if I fully settle the balance before its maturity? (For balance transfer or flexi payment plans)
 Lock-in period : Up to 36 months
 Early settlement penalty: NA

8. What if I overpay my Maybank Credit Card bill?

In the event of an overpayment in your Maybank Credit Card account(s), the overpayment would be used to offset any subsequent outstanding
balance of that Card.
For cancellation of Maybank Credit Card(s) with an overpayment, the Bank shall proceed to transfer the overpaid amount through the following
options:
 Transfer to your other valid Maybank Credit Card account(s);
 Transfer to your Maybank Savings or Current Account(s), excluding Joint Account and MAE Account;
 You may opt to sign-up for a new Maybank Card or Maybank Savings or Current Account and transfer the overpaid amount to the respective
account; or
 In the event you do not have any other valid Maybank Credit Card account(s) or Maybank Savings or Current Account(s), please do advise
us on the savings or current account details of another bank that you wish to transfer the overpaid amount to.

9. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. To update
your contact details, you may reach us via one of the following channels:-
 Telephone No : 1 300 88 6688 (Calling from Malaysia) or +603-78443696 (Calling from outside Malaysia)
 Email: mbbcardservices@[Link] / [Link]@[Link]
 Write-in attention to: Head, Cardmember Interaction, Customer Engagement
7th Floor Menara Maybank,
100, Jalan Tun Perak, 50050 Kuala Lumpur
 Fax: 03-7953 8600
 Visit any nearest Maybank Branch.

10. Where can I get further information?

i. Should you require additional information or enquiry on credit card, please refer to [Link] /
[Link] website or write to:-
Maybank Card Center
7th Floor Menara Maybank
100 Jalan Tun Perak
50050 Kuala Lumpur
Tel : 1300 88 6688/ 1800 88 1801
Email : mbbcardservices@[Link]/ [Link]@[Link]

ii. If your query or complaint is not satisfactory resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at:
Blok D, Bank Negara Malaysia
Jalan Dato’ Onn
50480 Kuala Lumpur
Telephone No : 1-300-88-5465
Fax : 03-21741515
E-mail : bnmtelelink@[Link]

iii. Alternatively, you may seek the services of Agensi Kaunselling dan Pengurusan Kredit (AKPK) an agency established by Bank Negara Malaysia
to provide free services on money management, credit counselling and debt restructuring for individuals. You can contact AKPK at:-
Tingkat 8, Maju Junction Mall
1001, Jalan Sultan Ismail
50250 Kuala Lumpur
Telephone No : 1-800-88-2575
E-mail : enquiry@[Link]

IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CREDIT CARD BALANCES.
The information provided in this disclosure is issued on 1 August 2019 and will be valid until the next periodical review.