Maybank Family & Friends Card

Maybank Family & Friends Card

Enjoy the freedom to pick your bonus cashback category, to earn up to 8% cashback when you spend with the Maybank Family & Friends Card.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
S$ 800
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Minimum Annual Income
S$ 30,000

Things to consider

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Local spending rebate

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Annual Fee waiver

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Rebate cap applied

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Monthly spend required

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Benefits

Cashback

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Cashback Base Rate
0.3  %
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Cashback Local
8  %
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flight
Cashback Overseas
8  %
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restaurant
Cashback Dining
8  %
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shopping_cart
Cashback Supermarket
8  %
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sell
Cashback Retail
8  %
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shopping_bag
Cashback Local Online Shopping
8  %
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shopping_bag
Cashback Overseas Online Shopping
8  %
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health_and_safety
Cashback Health
8  %
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domain
Cashback Department Store
8  %
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Cashback Digital Wallet
8  %
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Cashback Online Bill Payment Spending
0.3  %
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contactless
Cashback Contactless Spend
8  %
commute
Cashback Transport
8  %
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Quick Facts

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Earn 8% cashback for 5 spend categories across 10 options.

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Get 8% cashback on Malaysian Ringgit (MYR) spend.

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Earn up to S$150 cashback every month.

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8% cashback categories can be changes trimonthly or every 3 months.

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0.3% cashback for AXS bill payments (capped at S$50).

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Accelerated cashback earn rate categories can be changed annually.

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3-year annual fee waiver.

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No annual fee for supplementary card.

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3 card designs to choose from upon application.

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Monthly cashback falls to 0.3% for spends below S$800.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
S$ 800
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
26.9  %
Interest on Cash Advance
26.9  %
Interest Free Period
20  days
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Others

Association

World Mastercard

Supported Payment Type

Apple Pay

Samsung Pay

Maybank Family & Friends Card Maybank Family & Friends Card

Maybank Family & Friends Card

 

The Maybank Family & Friends Card is a strong pick for everyday spenders who want to maximise cashback across lifestyle essentials. Cardholders can earn up to 8% cashback on selected categories like groceries, dining, transport, petrol, and online shopping, with a minimum monthly spend requirement. 

For all other purchases, enjoy 0.3% unlimited cashback with no cap. On top of rewards, the card offers practical value with fee waivers and worldwide acceptance, making it a well-rounded option for families and individuals who want to stretch their dollar on daily expenses.

 

Spend category

Rewards earned

Local, MYR & IDR spend on 5 preferred categories (with minimum monthly spend S$800)

8% cash rebate

Local and overseas spend below S$800 monthly

0.3% cash rebate

Bonus spend

3% cash rebate on electrical vehicle charging

 

SingSaver’s offer

Welcome offer comparison

There are currently no welcome offers for the Maybank Family & Friends Card.

 

Maybank Family & Friends Card at a glance

Air miles/Cashback

4/5

  • Up to 8% cashback on 5 key categories of your choice: groceries, dining, transport, petrol, online shopping, and more.
  • 0.3% unlimited cashback on all other purchases.
  • Cashback capped at S$125 per month, which is relatively high compared to other cashback cards.

 

Overseas spending

3.5/5

  • Up to 8% on foreign MYR and IDR spend with a minimum monthly spend of S$800.
  • Only earn 0.3% cashback on all other foreign currency spend.
  • Standard FX and cross-border fees apply.
  • Not competitive for overseas use compared to travel or miles cards.

 

Travel

1/5

  • No complimentary lounge visits.
  • No airport transfer privileges.
  • No bundled travel insurance benefits.
  • Minimal travel perks — card is focused on local lifestyle spend.

 

Bill payment

2/5

  • Recurring bills (utilities, insurance, education) typically excluded from 8% categories.
  • Only eligible MCCs qualify for higher cashback.
  • Non-eligible bills earn just 0.3% base cashback.
  • Limited usefulness if card is primarily for recurring household bills.

 

Petrol

3/5 

  • Petrol usually counts under the Transport category.
  • Earn up to 8% cashback if monthly minimum spend is met and Transport is one of your chosen preferred categories.
  • Strong choice for regular drivers who can meet spend requirements.

 

Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Fee waiver: 3-year waiver for principal card
  • Interest-free period: 20 days
  • Annual interest rate: 27.9% p.a.
  • Late payment fees: 5% of minimum monthly repayment or S$100, whichever is higher.
  • Minimum monthly repayment: 3% of monthly outstanding balance or S$20, whichever is higher.
  • Foreign currency transaction fee: 2.25%
  • Cash advance transaction fee: 8% of amount withdrawn or S$15, whichever is higher.

 

Minimum income requirements

  • Singaporean/PR minimum income: S$30,000 
  • Malaysian minimum income (in employment for at least 1 year): S$40,000 
  • Foreigner minimum income (in employment for at least 1 year): S$60,000 

 

Why apply for the Maybank Family & Friends Credit Card

Perks and benefits

  • Up to 8% cashback on groceries, dining, transport, petrol, online shopping, and more (with minimum monthly spend).
  • 0.3% unlimited cashback on all other categories.
  • Contactless and mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay).

Additional benefits

  • Fee waiver for first 3 years.
  • Straightforward cashback, no conversion to miles needed.
  • Generous monthly cashback cap of S$125.

Everyday value

  • Great fit for families who spend across multiple categories.
  • Petrol and transport rebates make it valuable for drivers.
  • Less ideal for frequent overseas travellers (low overseas cashback).

SingSaver’s take

The Maybank Family & Friends Card is one of the strongest cashback options in Singapore, especially for households and individuals who spend consistently in 5 chosen categories. With up to 8% cashback across these categories and a relatively high monthly cap of S$125, it delivers excellent value compared to many competitors. 

That said, the card is less appealing for overseas transactions, which only earn 0.3%, and for those who don’t meet the minimum monthly spend requirement. Overall, it’s a highly rewarding card for families and high spenders, but frequent travellers may want to pair it with a miles-focused card.

 

Pros & Cons

Pros

Cons
  • Up to 8% cashback across multiple lifestyle categories.
  • High monthly cashback cap (S$125).
  • 3-year fee waiver.
  • Great for families and consistent spenders.
  • Minimum monthly spend required to unlock 8% rates.
  • Overseas spending only earns 0.3% cashback.
  • Many MCC exclusions (insurance, utilities, education).
  • Cashback resets monthly, so unutilised cap doesn’t carry forward.

 

 

Card comparison

Card

Miles/Rewards

Annual fee (principal)

Other perks

Maybank Family & Friends Card

8% on preferred categories (S$800 minimum spend) / 0.3% on all other spend

S$196.20 (waived for first 3 years)

Free supplementary cards, FX spend in MYR and IDR qualifies for bonus cashback

BOC Visa Infinite Card

1.6% local / 2.4% overseas cashback

S$381.50 (waived for first 2 yrs)

Lounge visits, EV charging rebate, Visa Concierge

Standard Chartered Visa Infinite Card

Up to 3 miles per S$1 on overseas spend

~S$594 (Including GST)

6 visits per year to Priority Pass, strong travel insurance

 

The Maybank Family & Friends Card stands out for its customisable 8% cashback on everyday essentials with a generous S$125 monthly cap, making it one of the most rewarding lifestyle cards in Singapore.

Application process

  1. Click “Apply Now” on this page and follow the prompts.
  2. Alternatively, you may go to a branch to apply.
  3. Wait for Maybank to approve your card (typically within 14 business days).
  4. Once approved, you can start using your card, both physically and by adding it to your mobile wallet.

Frequently asked questions about Maybank Family & Friends Card

What is the Maybank friends and family card rebate?

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The Maybank Family & Friends Card offers up to 8% cashback on five chosen categories such as groceries, dining, transport, petrol, and online shopping. All other spend earns 0.3% cashback, and monthly cashback is capped at S$125. Spend in MYR and IDR also qualify for bonus cashback when the minimum monthly spend is met.

How does Maybank Family and Friends work?

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Cardholders select five preferred spend categories when they apply. If the minimum monthly spend requirement is met, eligible purchases in those categories earn up to 8% cashback. Spending outside the categories earns 0.3%. Cashback is credited monthly and resets each statement cycle.

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Which Maybank credit card is the best?

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It depends on your lifestyle. The Maybank Family & Friends Card is often seen as the best choice for families and everyday spenders because of its high cashback on essential categories. For frequent travellers, the Maybank Horizon Visa Signature may be more suitable as it offersstronger travel rewards.

How to waive annual fee for Maybank credit card?

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For the Maybank Family & Friends Card, the annual fee is waived automatically in the first three years. After that, cardholders can get a waiver by meeting the minimum annual spend requirement of S$18,000.

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