Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

Level up your miles game with the Maybank Horizon Visa Signature Card. Earn up to 2.8 miles on air tickets, foreign spend, hotel booking, dining and more with a low minimum spend of S$800 per month. Plus, travel with peace of mind with complimentary travel insurance worth up to S$1 million.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 miles / dollar
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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
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Things to consider

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Overseas/Foreign spend

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Air tickets

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Dining

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Rebate cap applied

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Benefits

Airmiles

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Airmiles Overseas Online Shopping
2.8  miles / dollar
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Airmiles Flight Booking
2.8  miles / dollar
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flight
Airmiles Overseas
2.8  miles / dollar
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Airmiles Local
1.2  miles / dollar
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restaurant
Airmiles Dining
1.2  miles / dollar
bed
Airmiles Hotel Booking
1.2  miles / dollar
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commute
Airmiles Transport
1.2  miles / dollar
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Airmiles Petrol
1.2  miles / dollar
luggage
Airmiles Travel
1.2  miles / dollar
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Airmiles Base Rate
0.4  miles / dollar
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Quick Facts

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Earn 2.8 air miles (7X TREATS Points) per S$1 spent on air tickets and in foreign currencies.

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Earn 1.2 air miles (3X TREATS Points) per S$1 spent on all local shopping, groceries, dining, hotel bookings and more

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Continue to earn TREATS Points (TP) on your insurance, private hospitals, utilities and education spend.

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Fuel savings of 20.05% + 3X TREATS Points at Caltex stations with Diamond Sky Fuel card

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Travel in comfort with complimentary access to selected VIP lounges

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Air miles are only applicable if redemption is made on TREATS SG app

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TREATS Points awarded calculated based on blocks of S$5.

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TREATS Points expire after one year.

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Guides

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Eligibility

Eligibility

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

Fees

Annual Fee Waiver
3 years
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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Air Miles Conversion Fee
S$ 25
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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

VISA Signature

Supported Payment Type

Apple Pay

Samsung Pay

Tags

Maybank Horizon Visa Signature Card Maybank Horizon Visa Signature Card

Maybank Horizon Visa Signature Card

The Maybank Horizon Visa Signature Card is ideal for frequent travellers and those who spend significantly on dining, petrol, and travel bookings. It allows you to get up to 1.2 miles per S$1 on local dining, petrol, and public transport, and 2.8 miles per S$1 on overseas spend. Additionally, it comes with complimentary airport lounge access and travel insurance, making it attractive for jetsetters.

Spend category

Rewards earned (Minimum spend S$800/month)

Rewards earned (Base)

Local spend

0.24 mpd for education, insurance, medical and utilities

1.2 mpd for dining, food delivery, supermarkets, transport, petrol, department and retail, air tickets, hotels, cruises, travel packages and car rental

0.4 mpd

Overseas spend

2.8 mpd 

1.2 mpd

Bonus categories

2.8 mpd for air tickets

1.2 mpd for travel-related expenses, retail purchases, groceries, and others

1.2 mpd


*Must redeem on the Maybank TREATS SG app.
*Bonus TREATS Points for air tickets capped at 40,000.


SingSaver’s offer

Welcome offer comparison

Platform

Maximum reward

Maybank Website

Receive a Samsonite INTERLACE Spinner 67/24 EXP (worth S$520) when you apply and either:

  • Charge a minimum of S$1,300 within the first two months of card approval.
  • Also apply for CreditAble, and charge a minimum of S$1,200 within the first two months of card approval.


Maybank Horizon Visa Signature Card at a glance

Air miles

4/5

  • Earn 2.8 mpd (7x Maybank TREATS points) on air tickets and foreign currency (FCY) transactions, provided you spend at least S$800 in any retail transactions in that calendar month
  • Earn 1.2 mpd (3x TREATS points) on local shopping, groceries, dining, hotel bookings, etc
  • Base rate (for other spend not in bonus categories) is modest

Overseas spending

4.5/5

  • The card gives 2.8 mpd on foreign currency transactions (with the S$800 monthly spend trigger)
  • No cap for TREATS points from FCY spend

Travel

4/5

  • Complimentary travel insurance up to S$1,000,000.
  • Complimentary airport lounge access, but you must meet a spend (e.g. charge a minimum retail transaction of S$1,000) within 3 months prior to the date of lounge use
  • Good travel-related perks (flight/hotel deals, regional privileges via TREATS & Visa)

Bill payment

2/5

  • The Maybank Horizon Visa offers 0.24% p.a. for education, insurance, medical, and utilities, unlike other cards that typically exclude these categories altogether
  • Where they still earn something, the rate is low (often the base earn, or reduced)

Petrol

3/5

  • Petrol is included among the “local shopping/local spend categories,” which earn 1.2 mpd (3X points) per rate
  • No special bonus or accelerated rate specifically for petrol beyond that local category


Annual interest rate and fees

  • Annual principal fee: S$196.20 (inclusive of GST)
  • Supplementary annual fee: Free (Up to 2 cards)
  • Fee waiver: 3-year waiver
  • Interest-free period: 20 days
  • Annual interest rate: 27.9% p.a.
  • Late payment fees: 5% of the minimum monthly repayment or S$100, whichever is higher
  • Minimum monthly repayment: 
    • Credit card account: 3% of outstanding balance or S$20, whichever is higher 
    • Funds transfer account: 3% of the total payment due or S$10, whichever is higher 
  • Foreign currency transaction fee: 2.25% (+1% from Visa)
  • Cash advance transaction fee: 8% or S$15, whichever is higher


Minimum income requirements

  • Singaporean/PR minimum income: S$30,000
  • Malaysian citizens (in employment for at least 1 year) minimum income: S$45,000
  • Non-Singaporean (in employment for at least 1 year) minimum income: S$60,000


Why apply for the Maybank Horizon Visa Signature Card

Perks and benefits

  • Earn 2.8 air miles per S$1 on foreign currency transactions and air tickets (when spending at least S$800/month).
  • 1.2 air miles per S$1 on local spend in categories like dining, hotel stays, groceries, and shopping.
  • Up to S$1,000,000 travel insurance when you charge your travel fares in full.


Additional benefits

  • Complimentary airport lounge access (with spend and conditions).
  • 3-year waiver of the annual principal fee; later fee waiverable if you spend S$18,000/year.
  • Special deals via TREATS & Visa (flight discounts, hotel deals, etc.).


Everyday value

  • Decent earn-rate even for those who don’t travel often (local spending still gets you 1.2 mpd).
  • The fee waiver mechanism means you might avoid paying fees long-term if you use the card actively.
  • The moderate income requirement puts this card in reach of many working adults.


SingSaver’s take

The Maybank Horizon Visa Signature Card is a strong travel-miles card, especially if you spend overseas or on flights and can meet the S$800/month trigger. It gives you good value via complimentary travel insurance and lounge access, and the 3-year fee waiver softens the initial cost. On the flip side, some categories (insurance, education, charity) no longer count, and conditions for lounge access are somewhat strict. If you travel occasionally or have mixed spending, this card can deliver solid returns; heavy travellers will benefit more.

Pros & Cons

Pros Cons
  • ✅ High earn rate for air tickets and FCY spend
  • ✅ Broad eligibility in local bonus categories (dining, hotel, groceries)
  • ✅ Generous fee waiver period and reasonable annual fee thereafter
  • ✅ Strong travel perks like insurance and lounge access
  • ❌ Must spend S$800/month to unlock top earn rate
  • ❌ Exclusions introduced for some bill-type categories from July 2025
  • ❌ Lounge access requires a large single spend (S$1,000) in a single transaction before travel


Card comparison

Card

Miles / Rewards

Annual Fee (Principal)

Other Perks

Maybank Horizon Visa Signature

2.8 mpd on FCY & air tickets (with S$800/month) + 1.2 mpd on local bonus spend

S$196.20 

Travel insurance, lounge access, TREATS rewards programme, decent conversion to airline partners

Citi PremierMiles Card

Up to 2.2 mpd

S$196.20

Good for those flying certain airlines frequently, transfer flexibility

DBS Altitude Visa Card

Up to 2.2 mpd

S$196.20

Strong travel perks, occasional bonus categories


What is special about this card is the uncapped foreign currency earn (once you hit the S$800/month), along with its travel perks and a three-year annual fee waiver, which means you can try it out without the full cost burden.


Application process

  1. Click “Apply Now” on this page and follow the prompts.
  2. Retrieve information from MyInfo (Singaporeans only), or go to a branch to apply.
  3. Wait for Maybank to approve your card (typically 1–2 weeks).
  4. Once approved, use your card and ensure you trigger any fee waiver or bonus conditions.

Frequently asked questions about the Maybank Horizon Visa Signature Card

Q: What spend qualifies for the S$800 minimum monthly spend to unlock bonus rates?

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Any retail spend transactions count, but insurance premiums no longer count towards that from 1 July 2025. Only eligible MCCs count. The spend can be in SGD or foreign currency. 

Q: Which categories are excluded from earning rewards/bonus miles?

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From July 2025, certain MCCs, like donations, payments to charitable organisations, religious bodies, political organisations, and similar, were excluded. Insurance premiums are no longer included towards the S$800 threshold. 

Q: How do I get airport lounge access with this card?

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You need to charge a minimum retail transaction of S$1,000 in a single spend within 3 months before the date you want to use the lounge. Then you get lounge access as per card benefits. 

Q: When does the annual fee get waived?

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The principal card annual fee (S$196.20) is waived for the first 3 years. After that, it can be waived if you reach a yearly spend of S$18,000. 

Q: Do you need a Maybank account to apply for the Maybank Horizon Visa Signature Card?

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No, you do not need to already have a Maybank savings or current bank account in order to apply for the Maybank Horizon Visa Signature Card. However, after your card is approved, you will get a Maybank credit card account.

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