Maybank XL Cashback Card

Make the most of your best years with the Maybank XL Cashback Card. With a whopping 5% cashback on foreign currency spend and one of the widest number of spending categories on the market, you can score extra large rewards whenever you Dine, Shop, Travel, and Play.

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Card benefit

% cashback

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5% cashback on Dine, Shop, Travel and Play categories + FCY spend (overseas & online), unlocked with min. S$500 spend per calendar month, capped at S$80 per calendar month. All other spend at 0.2% unlimited cashback.

Annual Fee

S$ 87.2

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First 2 Years Waived; Subsequent annual fee will be automatically waived with a minimum spend of S$6,000 yearly.

Minimum Annual Income

S$ 30,000

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Highlights

Card benefit

% cashback

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Annual Fee

S$ 87.2

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First 2 Years Waived; Subsequent annual fee will be automatically waived with a minimum spend of S$6,000 yearly.

Minimum Annual Income

S$ 30,000

Offer Available

Maybank Welcome Offer

Get an increased S$100 Cashback Cap

Welcome Offer promotion is valid from 1 July 2026 to 30 September 2026.
Promotion is valid for new Maybank credit cardmembers only.
Apply and get approved for the Maybank XL Cashback Card within the promo period and meet the min. monthly spend requirement to unlock an increased S$100 bonus cashback cap per calendar month (instead of S$80) for 3 months starting from the month of card approval.
Terms and Conditions apply.

Things to consider when choosing this card:

Things to consider

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Annual Fee waiver

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No monthly spend required

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No rebate cap

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Overseas rebate

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Benefits

Cashback

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Cashback Base Rate

0.4 %

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0.2% unlimited cashback (1x TREATS Points) for all other spend.

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Cashback Local

5 %

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5% cashback (10X TREATS Points) on eligible spend categories (Dine, Shop, Travel, Play) with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

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Cashback Overseas

5 %

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5% cashback (10X TREATS Points) on foreign currency spend overseas with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

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Cashback (Dine)

5 %

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5% cashback (10X TREATS Points) on eligible spend categories (Dine, Shop, Travel, Play) with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

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Cashback (Shop)

5 %

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5% cashback (10X TREATS Points) on eligible spend categories (Dine, Shop, Travel, Play) with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

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Cashback (FCY)

5 %

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5% cashback (10X TREATS Points) on foreign currency spend (overseas or online) with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

Cashback (Play)

5 %

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5% cashback (10X TREATS Points) on eligible spend categories (Dine, Shop, Travel, Play) with min. S$500 spend per calendar month. Bonus cashback capped at S$80. Base rate 0.2%.

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Quick Facts

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5% cashback* whenever you spend in the Dine, Shop, Travel and Play categories, as well as in Foreign currencies.

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Up to S$80 bonus cashback monthly (Other transactions will earn unlimited cashback at 0.2% cashback.)

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Credit Cards with one of the widest number of spending categories in the market:

Dine: Restaurants, fast food, bakeries, food delivery, etc.
Shop: Apparel, departmental stores, sports apparel, online shopping, etc.
Travel: Airlines, online travel agencies, hotel booking, etc.
Play: Bars, KTV, cinemas, online streaming, video game arcade, etc.
+all foreign currency spend (overseas & online)

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Extremely limited age range (21 to 39 years old only).

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5% bonus cashback rate requires S$500 min. spend per calendar month.

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Guides

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

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Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 87.2

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First 2 Years Waived; Subsequent annual fee will be automatically waived with a minimum spend of S$6,000 yearly.

Foreign Currency Transaction Fee

3.25 %

Repayment

Minimum Payment

3 %

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3% of outstanding balance or S$20, whichever is higher, plus any outstanding amount "past due" from previous statement.

Late Payment Charge

S$ 100

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5% of min. payment due or S$100, whichever is higher, if min. monthly repayment is not made by due date.

Interest on Purchases

27.9 % p.a.

Interest on Cash Advance

28.5 % p.a.

Interest Free Period

20 days

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Others

Association

Mastercard

Supported Payment Type

Apple Pay

Samsung Pay

Maybank XL Cashback Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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