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Home›Best Cashback Credit Cards›Maybank Amex Cash Back 2026
Updated May 2026 · +450% Search Spike

Maybank Amex Cash Back Gold 2026

1.5% overseas cashback · 1% local · Unlimited — no monthly cap · Annual fee RM70

1.5%
Overseas cashback
unlimited, no cap
1%
Local cashback
all local retail
RM70
Annual fee
first year free
RM2.5k/mo
Min income
lowest bar

Maybank Amex Cash Back — Full Cashback Structure

Spending TypeCashback RateMonthly Cap
Overseas transactions1.5%None (unlimited)
Local retail spending1%None (unlimited)
Government / utility paymentsCheck Maybank T&CMay be excluded

Honest Comparison — Maybank Amex vs Higher-Cashback Cards

CardTop CashbackAnnual FeeMin Income
Maybank Amex Cash Back1.5% (overseas)RM70RM2,500/mo
UOB ONE Card10% (4 categories)RM195RM3,000/mo
RHB Shell Visa12% (Shell only)RM195*RM2,000/mo
Alliance Visa Signature5% (all retail)RM148RM4,000/mo

*RHB Shell annual fee waived with 24 transactions/year.

Honest verdict: Maybank Amex Cash Back is best for: (1) fresh graduates who don't qualify for higher-income cards, (2) frequent overseas travellers wanting unlimited 1.5% with no cap. For most Malaysians doing petrol + dining + Grab, UOB ONE Card earns 6–10× more cashback per month.

Earn More Cashback — Recommended Alternatives

If your income qualifies, these cards pay significantly more cashback per month:

💳 UOB Malaysia10% cashback on 4 categories · Annual fee waived

Spend RM1,500/month — earn 10% cashback on petrol, dining & Grab

10% cashback on petrol at ALL stations, dining, groceries & Grab in one card. New applicants get RM88 cashback when you spend RM200 in the first 60 days.

Petrol (any station)10% · cap RM15/month
Dining & food delivery10% · cap RM15/month
Groceries10% · cap RM15/month
Grab (rides, food, mart)10% · cap RM15/month
Max monthly cashbackRM60 (4 × RM15)
  • 🎁RM88 cashback when you spend RM200 in first 60 days
  • 📅Annual fee RM195 — waived for new applicants
  • ⛽Petrol cashback at ALL stations — not locked to one brand
Apply UOB ONE Card — 10% Cashback on Petrol & Dining →

New-to-bank or new-to-card only. Min. RM1,500 monthly spend to unlock 10% cashback. Caps apply per category.

💳 RHB BankUp to 12% petrol cashback · Annual fee waived with 2 swipes/month

Fill up RM300 of Shell petrol — get RM30 back every month

Best petrol card in Malaysia for Shell regulars. Spend RM3,000/month total to unlock 12% Shell cashback + 5% on groceries, e-wallets & utilities.

Monthly spend RM1,000–1,9993% petrol · 1% others
Monthly spend RM2,000–2,9995% petrol · 2% others
Monthly spend RM3,000+12% petrol · 5% others
Shell petrol capRM30/month
Groceries / e-wallet capRM10/month each
  • 💰Annual fee RM195 — waived with just 2 transactions/month (24/year)
  • ⛽Shell nationwide — works at all Shell stations across Malaysia
  • 📱E-wallet top-ups count: TNG, GrabPay, Boost, ShopeePay, Lazada Wallet
Apply RHB Shell Visa — Get 12% Petrol Cashback →

Commission via RinggitPlus. Cashback subject to monthly caps. Annual fee waived with 24 qualifying transactions/year.

More Cashback & Savings

Best Cashback CardsUOB ONE CardRHB Shell VisaAlliance Visa Sig.
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Frequently Asked Questions

What cashback does Maybank Amex Cash Back Gold give?
Maybank American Express Cash Back Gold gives 1.5% cashback on overseas transactions and 1% cashback on all local retail spending. There is no monthly cap — cashback is unlimited. The cashback is automatically credited to your statement, reducing your monthly bill.
Why is Maybank Amex Cash Back Gold trending in May 2026?
Search interest for Maybank Amex Cash Back spiked +450% in the last 7 days of April 2026, likely driven by a DuitNow promotional campaign offering up to RM2,520 cash for new applicants. Maybank periodically runs aggressive sign-up campaigns — always check current promotions at Maybank2u before applying.
What is the Maybank Amex annual fee?
The Maybank American Express Cash Back Gold annual fee is RM70 per year. The first year is free for new cardholders (plus 2 supplementary cards free in year 1). An additional RM25 Sales & Service Tax applies on activation and each anniversary.
Is Maybank Amex widely accepted in Malaysia?
American Express acceptance in Malaysia is lower than Visa/Mastercard. Most major merchants (AEON, Giant, Jaya Grocer, major restaurants, online stores) accept Amex. Smaller independent shops and hawkers typically do not. Factor this into your decision — the cashback only works where Amex is accepted.
Maybank Amex vs UOB ONE — which gives more cashback?
UOB ONE gives significantly more cashback for most Malaysians: 10% on petrol/dining/groceries/Grab (up to RM60/month = RM720/year) vs Maybank Amex's 1% local. Maybank Amex wins for heavy overseas spenders who want unlimited 1.5% with no category rules. If you spend RM5,000+/month overseas, Maybank Amex earns more on that portion.
What is the minimum income for Maybank Amex Cash Back Gold?
Minimum monthly income of RM2,500 (RM30,000 annually) — the lowest among the cashback cards compared on this page. This makes it accessible to fresh graduates and entry-level professionals who don't qualify for UOB ONE (RM3,000/month) or Alliance Visa Signature (RM4,000/month).

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