How does the Maybank Rewards Infinite programme work?

If you have a Maybank credit card, you might have come across the Rewards Infinite (RI) programme. This offers members a valuable perk: non-expiring TREATS Points, instead of the regular 12-15 months validity.

In this post we’ll look at how you qualify for an RI membership, as well as the benefits it confers. 

How do you qualify for a Rewards Infinite membership?

The criteria to qualify for an RI membership is as follows:

With regards to the second category, RI status will be granted automatically once the minimum spend threshold is reached (i.e. you don’t need to wait till the end of the 12-month period).

For example, if you meet the S$24,000 spending on 15 January 2025, your RI status will be valid from 15 January 2025 to 14 January 2026. You will then need to spend a further S$24,000 during this period to requalify for 15 January 2026 to 14 January 2027. 

When calculating the S$24,000, Maybank will exclude any rewards-ineligible transactions, such as government services and insurance. However, Maybank does consider charitable donations, hospitals, education and utilities to be eligible spend, as well as insurance in the case of the Maybank Horizon Visa Signature Card. 

You can check in the monthly credit card e-statement whether RI status has been obtained, under the Treats points rewards summary section.

What benefits do Rewards Infinite members enjoy?

Non-expiring TREATS points

Maybank TREATS points normally expire one year from the quarterly period in which they were earned, which means a validity of 12-15 months. 

However, RI members’ points will never expire so long as the RI membership is maintained. This benefit also extends to TREATS Points earned on the RI member’s other Maybank cards.

Do note that you can only accumulate a maximum of 5,000,000 TREATS Points in your account, and anything beyond this will be forfeited. Don’t hoard your points!

50% off a TREATS redemption during birthday month

Rewards Infinite members are allowed to redeem one item at 50% off the usual TREATS Points requirement during their birthday month. Only items that cost up to 25,000 TREATS Points (before the discount) are eligible.

The full list at the time of publishing can be found below.

You can browse and redeem the discount-eligible items via the TREATS app, under the Birthday TREATS section.

But even at 50% off, I wouldn’t consider this a great deal by any means. 

For example, a GV all-days movie e-voucher retails for S$12, and can be redeemed for 2,395 TREATS Points after a 50% discount. This is equivalent to 958 airline miles, giving each mile a value of about 1.25 cents. Alternatively, you could redeem a bottle of Moet & Chandon Brut Imperial for 12,300 TREATS Points after a 50% discount, which is equivalent to 4,920 airline miles. This bottle retails online for about S$65, translating to a value of approximately 1.32 cents per mile.

Unless you have orphan TREATS Points and no intention to accumulate more, you shouldn’t be considering this.

What if you lose your RI membership?

If you lose your RI membership, your TREATS points will expire at the end of the calendar quarter, one year after the lapsed membership.

Conclusion

TREATS Points have a relatively short validity period of 12-15 months, but a Rewards Infinite membership makes them evergreen.

While this is complimentary for Maybank Visa Infinite and Maybank World Mastercard cardmembers, other Maybank cardmembers will need to spend at least S$24,000 in a membership year to qualify.

Members can also enjoy 50% off selected TREATS redemptions during their birthday month, but even with the discount the value is poor. Save your points for airline miles instead!