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

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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