MaybankVisaCredit Card

Maybank XL Rewards Card

10X TREATS (4.0 mpd) on dine/shop/travel/play + foreign spend with S$500 min spend (S$4,000 bonus cap). For age 21–39.

Maybank XL Rewards Card card
Base earn rate
0.4 MPD
Max reward rate
4 MPD
top rate
Annual fee
S$87.20
Min income
S$30,000
Local · age 21+

Reward rules

How this card earns — every rate, cap, and condition.

Bonus 10X Dine/Shop/Travel/Play + Foreign (4.0 mpd)

Cap: First S$4,000 of spend per month

All of the following
Any of the following
Merchant categories included
Dining5462 Bakeries · 5811 Caterers · 5812 Eating Places, Restaurants · 5813 Drinking Places · 5814 Fast Food Restaurants
Entertainment4899 Cable/Satellite/Pay TV Services · 5815 Digital Goods: Books/Movies/Music · 7832 Motion Picture Theaters · 7993 Video Amusement Game Supplies · 7994 Video Game Arcades/establishments
Fashion5621 Women’s Ready-to-Wear Stores · 5631 Women’s Accessory and Specialty Shops · 5651 Family Clothing Stores · 5655 Sports Apparel, Riding Apparel Stores · 5661 Shoe Stores · 5691 Men’s/Women’s Clothing Stores · 5699 Miscellaneous apparel stores
Flights3000 Airlines, Air Carriers · 3001 American Airlines · 3005 British Airways · 3006 Japan Airlines · 3007 Air France · 3008 Lufthansa · 3009 Air Canada · 3010 KLM · 3011 Emirates · 3012 Quantas · 3013 Alitalia · 3014 Saudia Arabian Airlines · 3015 Swiss Air · 3016 SAS · 3017 South African Airways · 3020 Air India · 3021 Air Algerie · 3022 Philippine Airlines · 3024 Pakistan International · 3025 Air New Zealand · 3026 Emirates · 3034 Etihad Airways · 3042 Finnair · 3052 Lanchile · 3056 Quebecaire · 3058 Delta · 3066 Southwest · 3072 Cebu Pacific · 3075 Singapore Airlines · 3076 Aeromexico · 3077 Thai Airways · 3078 China Airlines · 3079 Jetstar Airways · 3082 Korean Airlines · 3084 Eva Airlines · 3098 Asiana Airlines · 3099 Cathay Pacific · 3100 Malaysia Airlines · 3136 Qatar Airways · 3144 Virgin Atlantic · 3161 All Nippon Airways · 3174 JetBlue Airways · 3206 China Eastern Airlines · 3211 Norwegian Air Shuttle · 3245 Easyjet · 3246 Ryanair · 3256 Alaska Airlines · 3260 Spirit Airlines · 3261 Air China · 3294 Ethiopian Airlines · 4511 Airlines (Not Elsewhere Classified)
Hotels7011 Hotels, Motels, Resorts
Online Shopping5399 Misc. General Merchandise
Retail Shopping5262 Marketplaces · 5310 Discount Stores · 5311 Department Stores · 5331 Variety Stores · 5941 Sporting Goods Stores
Travel4722 Travel Agencies / Tour Operators
Other3002, 3003, 3004, 3018, 3019, 3023, 3027, 3028, 3029, 3030, 3031, 3032, 3033, 3035, 3036, 3037, 3038, 3039, 3040, 3041, 3043, 3044, 3045, 3046, 3047, 3048, 3049, 3050, 3051, 3053, 3054, 3055, 3057, 3059, 3060, 3061, 3062, 3063, 3064, 3065, 3067, 3068, 3069, 3070, 3071, 3073, 3074, 3080, 3081, 3083, 3085, 3086, 3087, 3088, 3089, 3090, 3091, 3092, 3093, 3094, 3095, 3096, 3097, 3101, 3102, 3103, 3104, 3105, 3106, 3107, 3108, 3109, 3110, 3111, 3112, 3113, 3114, 3115, 3116, 3117, 3118, 3119, 3120, 3121, 3122, 3123, 3124, 3125, 3126, 3127, 3128, 3129, 3130, 3131, 3132, 3133, 3134, 3135, 3137, 3138, 3139, 3140, 3141, 3142, 3143, 3145, 3146, 3147, 3148, 3149, 3150, 3151, 3152, 3153, 3154, 3155, 3156, 3157, 3158, 3159, 3160, 3162, 3163, 3164, 3165, 3166, 3167, 3168, 3169, 3170, 3171, 3172, 3173, 3175, 3176, 3177, 3178, 3179, 3180, 3181, 3182, 3183, 3184, 3185, 3186, 3187, 3188, 3189, 3190, 3191, 3192, 3193, 3194, 3195, 3196, 3197, 3198, 3199, 3200, 3201, 3202, 3203, 3204, 3205, 3207, 3208, 3209, 3210, 3212, 3213, 3214, 3215, 3216, 3217, 3218, 3219, 3220, 3221, 3222, 3223, 3224, 3225, 3226, 3227, 3228, 3229, 3230, 3231, 3232, 3233, 3234, 3235, 3236, 3237, 3238, 3239, 3240, 3241, 3242, 3243, 3244, 3247, 3248, 3249, 3250, 3251, 3252, 3253, 3254, 3255, 3257, 3258, 3259, 3262, 3263, 3264, 3265, 3266, 3267, 3268, 3269, 3270, 3271, 3272, 3273, 3274, 3275, 3276, 3277, 3278, 3279, 3280, 3281, 3282, 3283, 3284, 3285, 3286, 3287, 3288, 3289, 3290, 3291, 3292, 3293, 3295, 3296, 3297, 3298, 3299, 3300, 3301, 3302, 3303, 3304, 3305, 3306, 3307, 3308
Foreign currency spend
Yes
Minimum monthly spend
500

Extracted from Terms & Conditions

Cardmembers who meet the Minimum Spend can receive 10X TREATS Points (Bonus 10X TREATS Points) for Eligible Transactions in any of the five Rewards Categories (equivalent to 4.0 air miles per dollar under the Maybank Frequent Flyer Programme): - Dine: MCC 5811, 5812, 5814 and 5462 (Caterers, Restaurant Dining, Fast Food Eateries, Bakeries, Food Deliveries locally); - Shop: MCC 5262, 5310, 5311, 5331, 5399, 5621, 5631, 5651, 5655, 5661, 5691, 5699 and 5941 (Apparels, Departmental Store, Sports/Riding Apparels Stores, Sporting Goods Stores locally); - Travel: MCC 3000-3299, 3300-3308, 4511, 4722, 7011 (Airlines, Travel Agencies locally); - Play: MCC 4899, 5813, 5815, 7832, 7993 and 7994 (Bars, Drinking Places, Cable Television Service, Cinemas, Motion Picture Theatres, Video Amusement Game, Video Game Arcade, Paid Television, Cable and Radio Services locally); - Foreign Spend: foreign retail spend ("Foreign Spend") refers to transactions spent overseas or online in foreign currencies (including card-not-present transactions like e-commerce). Minimum Spend: to receive the Bonus 10X TREATS Points in a calendar month, Cardmembers must charge a minimum aggregate of S$500 in Eligible Transactions within that calendar month; otherwise only the Base 1X TREATS Point applies. The Bonus 10X TREATS Points are capped at 10,000 TREATS Points (equivalent to 4,000 air miles) per calendar month; once reached, Cardmembers continue to earn Base 1X TREATS Points. TREATS Points are awarded for every block of S$5 spent per transaction, rounded down.

4×multiplier
Rounded per S$5

Base Earn (0.4 mpd)

Extracted from Terms & Conditions

Any Eligible Transaction not classified under the Bonus Categories MCCs (Clause 1.1), or charged at merchants not classified under those MCCs, is not eligible for Bonus 10X TREATS Points but earns the Base 1X TREATS Point (equivalent to 0.4 air miles per dollar under the Maybank Frequent Flyer Programme). Cardmembers who do not meet the S$500 Minimum Spend, or who have reached the monthly Bonus 10X cap, also earn the Base 1X TREATS Point. TREATS Points are awarded for every block of S$5 spent per transaction, rounded down. Cardmembers may also separately receive the Base 1X TREATS Point on Etiqa insurance transactions charged to the Card (classified under MCC 6300 with Merchant Description "ETIQA*"); such insurance spend does not count towards the Minimum Spend.

0.4×multiplier
Rounded per S$5

Exclusions

0×earn

No miles are earned on 26 merchant categories, including cash advances, entertainment, fund transfers and insurance.

Cash Advances
6010 Financial Institutions – Manual Cash Disbursements · 6011 Financial Institutions – Automated Cash Disbursements · 6050 Quasi Cash – Customer Financial Institution · 6051 Quasi Cash / Non-Financial · 6540 Non-Financial Institutions – Stored Value Card Purchase/Load
Entertainment
7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
Fund Transfers
6534 Money Transfer Member
Insurance
6300 Insurance Sales / Premiums
Retail Shopping
7349 Clean/Maint/Janitorial Services · 7511 Quasi Cash – Truck Stop Transactions
Telecommunications
4829 Wire Transfer Money Orders
Utilities
4900 Utilities
Other
6012 Financial Institutions – Merchandise, Services, and Debt Repayment · 6211 Securities — Brokers/Dealers · 6529 Remote Stored Value Load - Member · 6530 Remote Stored Value Load - Merchant · 8398 Charitable/Social Organizations · 8651 Political Organizations · 8661 Religious Organizations · 9211 Court Costs, Including Alimony and Child Support · 9222 Fines · 9223 Bail and Bond Payments · 9311 Tax Payments · 9399 Government Services (Not Elsewhere Classified) · 9402 Postal Services – Government Only · 9405 Intra-Government Purchases – Government Only
Specific merchants
BAGUS · BANC DE BINARY · CANTINE · EZ LINK · EZ-LINK · EZLINK · FLASHPAY · INSTAREM · MONEYBOOKERS · NETSVCASHCARD · OANDA · PAYPAL · RAZERPAY · SEDAP · SGEBIZ · SIMPLYGO · SINGAPORE E-BUSINESS · SINGTEL DASH · SKRILL · XGLOBALMARKETS · SKYFX · TRANSIT · TRANSITLINK · IGMARKETS · MYEZLINK · PLUS500 · YOUTRIP · AXS · NETS · SAM
Ready when you are

Apply for Maybank XL Rewards Card

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