Maybank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Maybank suits people who want a credit card with no annual fee and cashback on weekend spending, and a debit card that works on Visa. The gold credit card carries an annual fee of MYR 0 and an APR of 15%, with cashback of 5% at 5% weekend cashback.
Key facts
- Best for
- Weekend spenders who want a fee free credit card with cashback and a Visa debit card in Malaysia.
- Annual fee
- MYR 0 (Source, checked September 26, 2026)
- APR
- 15% (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 5% weekend cashback (Source, checked September 26, 2026)
- Cashback rate
- 5% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Malayan Banking Berhad (Source, checked September 26, 2026)
- Headquarters
- Malaysia (Source, checked September 26, 2026)
- Founded
- 1960 (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- maybank2u.com.my
Debit cards
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Malayan Banking Berhad (Source, checked September 26, 2026)
- Headquarters
- Malaysia (Source, checked September 26, 2026)
- Founded
- 1960 (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Annual fee of MYR 0 on the gold credit card, so nothing to pay to keep it
- Cashback of 5% at 5% weekend cashback on the gold credit card
- Debit card runs on visa, usable where Visa is taken
- Malayan Banking Berhad, founded 1960, is the legal entity behind both cards
Cons
- APR of 15% is not the lowest on the market, and the site median is 20.97%
- Currency conversion on the debit card costs 2%, close to the site median of 1%
- The credit card is a credit card, so a repayment balance is built up
Who it suits
- People in Malaysia who want a fee free credit card with weekend cashback
- Shoppers who pay in the local currency and rarely convert money
- Households that want a credit card and a debit card from one bank
Who should look elsewhere
- Travelers who convert money often, since the debit card charges 2% on conversion
- People who want to pay no interest at all, because the credit card's APR is 15%
How Maybank compares
9.5 vs 9.4
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 9.2
9.5 vs 8.8
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 9.0
9.5 vs 8.8
9.5 vs 8.8
9.5 vs 8.7
9.5 vs 9.2
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 8.8
9.5 vs 9.6
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 9.2
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 8.8
9.5 vs 8.8- 9.5 vs 8.8
- 9.5 vs 8.8
9.5 vs 8.8- 9.5 vs 8.8
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.3
9.5 vs 8.2
9.5 vs 8.0
9.5 vs 8.0
Where Maybank is available
- Available
- Malaysia
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
Is there an annual fee on the Maybank gold credit card?+
No fee is charged. The annual fee on the gold credit card is MYR 0, and the card sits in the free annual fee model. The debit card carries no annual fee either, so both cards can be held without a yearly bill.
What rate of interest applies if I carry a balance?+
The gold credit card's APR is 15%. That is below the site median of 20.97%, though balances still cost money, so clearing the balance each month keeps the interest side at nothing.
What rewards does the gold credit card pay?+
It pays cashback rather than points or miles, with a cashback rate of 5%. The reward is described as 5% weekend cashback, so the higher rate is tied to weekend spending rather than all purchases.
Which network does the Maybank debit card run on?+
The debit card runs on visa, which is the most common network in this comparison group, where 58.6% of the cards use it. That makes it a safe choice where Visa is widely accepted.
What does it cost to convert currency on the debit card?+
The currency conversion fee on the debit card is 2%, slightly above the site median of 1%. Spending in the local currency avoids the charge, since it only applies when money is converted.
Who issues the cards?+
The legal entity behind both the credit and debit cards is Malayan Banking Berhad, a Malaysian bank founded 1960 and headquartered in Malaysia. The same bank backs the credit card and the debit card.
Can I have both a credit card and a debit card with Maybank?+
Both are listed: the credit side shows a credit card with a rewards feature, while the debit side is a debit card. One bank relationship covers daily spending and borrowing.
Sources
- en.wikipedia.org/wiki/Maybank checked September 26, 2026
Backs: Founded, Headquarters
“Maybank was founded in 1960”
- ringgitplus.com/en/credit-card/Maybank-2-Gold-Cards.html checked September 26, 2026
Backs: Annual fee, APR, Card kind, Cashback rate, Features, Pricing model, Rewards rate, Rewards type
“Maybank 2 Gold Cards - Annual Fee: Free”
- maybank2u.com.my/iwov-resources/pdf/personal/cards/debit_... checked September 26, 2026
Backs: Card type, Card network
“Maybank Visa Debit MAE”
- maybank2u.com.my/iwov-resources/pdf/personal/cards/debit_... checked September 26, 2026
Backs: Legal entity
“PRODUCT DISCLOSURE SHEET Malayan Banking Berhad”
- maybank2u.com.my/iwov-resources/pdf/personal/cards/debit_... checked September 26, 2026
Backs: Currency conversion fee
“Overseas Transactions: 1% conversion fee by Visa/Mastercard + 1% foreign exchange”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Maybank
Weekend spenders who want a fee free credit card with cashback and a Visa debit card in Malaysia.