Maybank Horizon Visa Signature Card
Highlights
SingSaver's Take
Things to Consider
Benefits
Fees & Charges
Eligibility
Pros & cons
Pros
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
Cons
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
Check on more Maybank card options
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:
|
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.
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
- Click “Apply Now” on this page and follow the prompts.
- Retrieve information from MyInfo (Singaporeans only), or go to a branch to apply.
- Wait for Maybank to approve your card (typically 1–2 weeks).
- 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
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.
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.
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.
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.
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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