Here’s The MileLion’s review of the Maybank World Mastercard, which largely flew under the radar until September 2024, when it introduced an uncapped 3.2 mpd on foreign currency (FCY) spend.
Combined with its existing 4 mpd on petrol, specialty retail & dining — also uncapped — this is an excellent choice for anyone who finds the bonus caps of competing cards too restrictive. It even awards miles for commonly-excluded transactions like education and hospitals!
While you will need to spend at least S$4,000 to unlock the 3.2 mpd earn rate, cardholders can still earn an uncapped 2.8 mpd with a minimum spend of S$800. Besides, if the uncapped earning potential appeals to you, then a minimum spend is unlikely to be a major hurdle.
 Maybank World Mastercard |
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| 🦁 MileLion Verdict | |
| ☑ Take It ☐ Take It Or Leave It ☐ Leave It |
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| What do these ratings mean? |
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| With an uncapped 3.2 mpd on FCY spend and 4 mpd on petrol, the Maybank World Mastercard is the ideal choice for big spenders. | |
| 👍 The Good | 👎 The Bad |
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| 💳 Full List of Credit Card Reviews | |
Overview: Maybank World Mastercard
Let’s start this review by looking at the key features of the Maybank World Mastercard.
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| Apply | |||
| Income Req. | S$80,000 p.a. | Points Validity | No expiry |
| Annual Fee | S$261.60 (FYF) |
Min. Transfer | 25,000 points (10,000 miles)* |
| Miles with Annual Fee | N/A | Transfer Partners | 4 |
| FCY Fee | 3.25% | Transfer Fee | S$27.25 |
| Local Earn | 0.4 mpd | Points Pool? | Yes |
| FCY Earn | Up to 3.2 mpd |
Lounge Access? | No |
| Special Earn | 4 mpd on petrol and specialty retail & dining | Airport Limo? | No |
| Cardholder Terms and Conditions | |||
| *For KrisFlyer; 5,000 miles for Cathay and Malaysia Airlines, 2,000 points for AirAsia |
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How much must I earn to qualify for a Maybank World Mastercard?
The Maybank World Mastercard has a minimum income requirement of S$80,000 p.a., which is an odd middle ground. It’s not quite as exclusive as the S$120,000 mass affluent segment, nor is it as accessible as the S$30,000 entry-level segment.
In fact, the income requirement is a throwback to 5-10 years ago, when miles cards like the DBS Altitude, Citi PremierMiles and UOB PRVI Miles all had S$80,000 income requirements, presumably to give them an air of prestige (even though any requirement above S$30,000 is essentially arbitrary).
That said, Maybank does not enforce this requirement strictly, and it’s not difficult to get approved even if you don’t meet the threshold.
How much is the Maybank World Mastercard’s annual fee?
| Principal Card | Supp. Card | |
| First Year | Waived | Free |
| Subsequent | S$261.60 | Free |
The Maybank World Mastercard has an annual fee of S$261.60, which is waived for the first year. All supplementary cards are free for life.
From the second year onwards, the annual fee is automatically waived with a minimum spend of S$24,000 per membership year. However, Maybank does not appear to enforce this requirement strictly, with many customers reporting that they received a fee waiver despite not meeting the minimum spend threshold.
No miles are offered for paying the annual fee.
What welcome offers are available?
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| Apply |
The Maybank World Mastercard is currently offering a Samsonite FLUIO Spinner 68/25 EXP (worth S$530) for new-to-bank customers who spend at least S$1,300 within the first two months of card approval.
New-to-bank customers are defined as those who:
- Do not currently hold a principal Maybank credit card or CreditAble account
- Have not cancelled a principal Maybank credit card or CreditAble account in the past nine months
This offer is valid for applications submitted by 31 October 2026, and the T&Cs can be found here.
How many miles do I earn?
| 🇸🇬 SGD Spend | 🌎 FCY Spend | ⭐ Bonus Spend |
| 0.4 mpd | 3.2 mpd | 4 mpd on petrol and specialty retail & dining |
SGD/FCY Spend
Maybank World Mastercard cardholders earn miles according to the table below.
| Spend (per calendar month) |
SGD* | FCY |
| <S$800 | 0.4 mpd | 0.4 mpd |
| S$800 to S$3,999 | 0.4 mpd | 2.8 mpd |
| ≥S$4,000 | 0.4 mpd | 3.2 mpd |
| *4 mpd for petrol, specialty retail & dining with no minimum spend | ||
The local earn rate is fixed at 0.4 mpd, with exceptions for certain categories like petrol, specialty retail & dining (see below).
The overseas earn rate is usually 0.4 mpd, but:
- Cardholders who spend at least S$800 per calendar month earn 2.8 mpd
- Cardholders who spend at least S$4,000 per calendar month earn 3.2 mpd
Upsized earn rates apply from the very first S$1 of spend, and not just the incremental spending. For example:
- A cardholder who spends S$1,000 in FCY would earn 2,800 miles (S$1,000 @ 2.8 mpd)
- A cardholder who spends S$5,000 in FCY would earn 16,000 miles (S$5,000 @ 3.2 mpd)
There is no cap on the maximum miles that can be earned.
While the Maybank Horizon Visa Signature has offered an uncapped 3.2 mpd on FCY spend on a promotional basis, the Maybank World Mastercard offers this as a permanent feature. This makes it one of the best general spending cards for FCY on the market.
| 💳 Cards With Uncapped FCY Earn Rates (Options earning at least 2.4 mpd) |
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| Card |
FCY Earn Rate | FCY Fee | Cost Per Mile |
 DCS Imperium CardApply |
4 mpd |
3.25% | 0.79¢ |
 StanChart Beyond CardApply |
4 mpd PP 3.5 mpd PB 3 mpd Regular |
3.5% | 0.85¢ PP 0.97¢ PB 1.13¢ Regular |
| Maybank World Mastercard Apply |
3.2 mpd1 |
3.25% | 0.98¢ |
 Maybank Visa InfiniteApply |
3.2 mpd2 |
3.25% | 0.98¢ |
 BOC Elite Miles CardApply |
2.8 mpd |
3% | 1.04¢ |
 Maybank Horizon Visa SignatureApply |
2.8 mpd3 |
3.25% | 1.12¢ |
 StanChart Visa InfiniteApply |
3 mpd4 |
3.5% | 1.13¢ |
 HSBC Premier MastercardApply |
2.76 mpd |
3.25% | 1.14¢ |
 DBS Treasures Black Elite |
2.4 mpd |
3.25% | 1.31¢ |
 HSBC TravelOne CardApply |
2.4 mpd |
3.25% | 1.31¢ |
 UOB PRVI Miles CardAMEX MC Visa |
3 mpd (IDR, MYR, THB, VND) 2.4 mpd |
3.25% | 1.05¢ (IDR, MYR, THB, VND) 1.31¢ |
 UOB Visa Infinite Metal CardApply |
2.4 mpd |
3.25% | 1.31¢ |
| 1. Min. spend S$4,000 per c. month, otherwise 2.8 mpd with min. spend S$800 per c. month 2. Min. spend S$4,000 per c. month, otherwise 2 mpd 3. Min. spend S$800 per c. month 4. Min. spend S$2,000 per s. month, otherwise 1 mpd |
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| ❓ How is the cost per mile calculated? |
| Cost per mile is derived by FCY Fee ÷ [Earn Rate x (1 + FCY Fee)]. This reflects the fact that the FCY fee itself is also eligible to earn miles. |
I should point out that you can earn 4 mpd on FCY spending with the Maybank XL Rewards Card, UOB Visa Signature, and other specialised spending cards. However, these earn rates will either be capped, or only apply to specific MCCs.
You might be wondering how the newly-launched Trust Freedom Card affects these calculations, since it earns 1.3 mpd on FCY spend with no FCY fees.
The short answer is that once you adjust for the opportunity cost, the cost per mile with the Maybank World Mastercard increases to 1.62 cents — provided you can spend at least S$4,000 per calendar month.
Is it worth paying 1.62 cents per mile when the Trust Freedom Card offers miles for “free”? That’s a personal decision. Some people may say that earning miles 2.5X faster (3.2 mpd vs 1.3 mpd) is worth the price, others will say that it’s silly to pay for something that you can get for free.
In any case, if you’re not confident of hitting the minimum spend threshold, then a 4 mpd card or the Trust Freedom Card would be the better choice.
For more on this discussion, refer to the post below.
How does the Trust Freedom Card change my overseas spending strategy?
Petrol
The Maybank World Mastercard earns an uncapped 4 mpd on offline petrol transactions, made in SGD under MCC 5541. In other words, you cannot earn this bonus if you pay through apps like Kris+ (available at Esso) or CaltexGo. No minimum spend is necessary.
Petrol spending in FCY will be eligible for 2.8/3.2 mpd, under the FCY earning bonus (which means you’ll have to meet the relevant minimum spend).
Maybank World Mastercard cardholders can apply for a free Corporate Fuel Card, which gives a 15% upfront discount at Shell, on top of credit card rewards. Despite the name, there is no need to be a registered business entity to use it; it’s also available to individuals.
Specialty Retail & Dining
The Maybank World Mastercard earns an uncapped 4 mpd (except at Luxury Galleria at RWS, where a 20,000 miles/month cap applies) on offline transactions made at specialty retail & dining merchants. No minimum spend is necessary.
These merchants are defined in the table below.
| Group | Brands |
| Imperial Treasure |
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| Les Amis Group |
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| Valiram Group |
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| Luxury Galleria at Resorts World Sentosa (capped at 50,000 TREATS Points per calendar month) |
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| Leonian |
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| The Par Club SG |
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| Aparo Golf |
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| Partee Golf |
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What is the FCY transaction fee?
All FCY transactions are subject to a 3.25% fee, which is on par with the rest of the market.
| 💳 FCY Fees by Issuer and Card Network |
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| Issuer | ↓ MC & Visa | AMEX |
| Standard Chartered | 3.5% | N/A |
| American Express | N/A | 3.25% |
| Citibank | 3.25% | N/A |
| DBS | 3.25% 0% for Chromo |
3.25% |
| DCS | 3.25% | N/A |
| HSBC | 3.25% | N/A |
| Maybank | 3.25% | N/A |
| OCBC | 3.25% | N/A |
| UOB | 3.25% 0% for EVOL/Singtel-UOB |
3.25% |
| BOC | 3% | N/A |
| CIMB | 3% | N/A |
| ICBC | 2.5% | N/A |
| Chocolate | 0% | N/A |
| GXS Bank | 0% | N/A |
| Maribank | 0% | N/A |
| Trust | 0% | N/A |
What counts towards the S$800/S$4,000 minimum spend?
The minimum spend includes all SGD and FCY spending, excluding transactions which do not earn TREATS Points (e.g. donations, utilities).
Principal and supplementary cardholder spending is pooled for the purposes of this calculation (e.g. if the sum of spending across both cards is S$4,000, then both principal and supplementary cardholders will earn 3.2 mpd on FCY spend).
No Google Pay support
While Maybank cards support Apple Pay and Samsung Pay, there is currently no support for Google Pay. If you’re a non-Samsung Android user, you’ll have to use the physical card for now.
Maybank is planning to introduce support for Google Pay in Singapore, but the timeline is uncertain.
Transaction date or posting date?
Technically speaking, Maybank tracks minimum spend and bonus caps by posting date, not transaction date.
In practice, however, all transactions charged in a given month and posted by the 7th of the following month are considered to be part of the month in which they were charged.
| 💳 Maybank World Mastercard |
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| Transaction Date | Posting Date | Counts Towards |
| Month X | By the 7th of Month X+1 | Month X |
| Month X+1 | By the 7th of Month X+2 | Month X+1 |
For example, if you make a transaction of S$200 on the Maybank World Mastercard on 29 June 2026 and it posts on 2 July 2026, that S$200 will count towards June 2026’s minimum spend and bonus cap.
In other words, you can comfortably spend up till the last calendar day of the month, and not have to worry about transactions “leaking” into the following month. I mean, it’s not impossible that a transaction takes more than seven days to post, but it’s very, very rare.
Which cards track spending by transaction date vs posting date?
When are TREATS Points credited?
For FCY spend, base TREATS Points are credited when the transaction posts, which usually takes 1-3 working days. Bonus TREATS Points are credited on the 8th of the following month.
For petrol and specialty retail & dining, base and bonus TREATS Points are credited when the transaction posts.
How are TREATS Points calculated?
Here’s how you can work out the TREATS Points earned on your Maybank World Mastercard.
For FCY spend
Spend <S$800 per calendar month
| Base Points (1X) | Round down transaction to the nearest S$5, divide by 5, then multiply by 5 |
Spend ≥S$800 and <S$4,000 per calendar month
| Base Points (1X) | Round down transaction to the nearest S$5, divide by 5, then multiply by 5 |
| Bonus Points (6X) |
Sum up all eligible transactions. Divide by 5, then multiply by 30. Round to the nearest whole number |
Spend ≥S$4,000 per calendar month
| Base Points (1X) | Round down transaction to the nearest S$5, divide by 5, then multiply by 5 |
| Bonus Points (7X) |
Sum up all eligible transactions. Divide by 5, then multiply by 35. Round to the nearest whole number |
For petrol and specialty retail & dining
| Base Points (1X) | Round down transaction to the nearest S$5, divide by 5, then multiply by 5 |
| Bonus Points (9X) |
Round down transaction to the nearest S$5, divide by 5, then multiply by 45 |
What’s slightly annoying is that Maybank (together with OCBC and UOB) uses S$5 earning blocks, which means that a S$9.99 transaction earns the same number of points as a S$5 transaction, and any spend below S$5 earns nothing at all!
The impact will be more acute on petrol and specialty retail & dining, since base and bonus points are awarded on a transaction level. It’s relatively more muted for FCY spending, because all eligible transactions are summed up to compute the bonus points, without rounding.
If you’re an Excel geek, here are the formulas you need to calculate points:
For FCY spend
Spend <S$800 per calendar month
| Base Points (1X) | =ROUND (ROUNDDOWN(X/5,0)*5,0) |
| Where X= Amount Spent |
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Spend ≥S$800 and <S$4,000 per calendar month
| Base Points (1X) | =ROUND (ROUNDDOWN(X/5,0)*5,0) |
| Bonus Points (6X) |
=ROUND(Y/5*30,0) |
| Where X= Amount Spent, Y= Sum of all eligible transactions |
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Spend ≥S$4,000 per calendar month
| Base Points (1X) | =ROUND (ROUNDDOWN(X/5,0)*5,0) |
| Bonus Points (7X) |
=ROUND(Y/5*35,0) |
| Where X= Amount Spent, Y= Sum of all eligible transactions |
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For petrol and specialty retail & dining
| Base Points (1X) | =ROUND (ROUNDDOWN(X/5,0)*5,0) |
| Bonus Points (9X) |
=ROUND (ROUNDDOWN(X/5,0)*45,0) |
| Where X= Amount Spent |
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For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
Maybank’s 5 million point cap
While this won’t be an issue for 99.9% of cardholders, it’s worth noting that Maybank limits cardholders to accumulating a maximum of 5,000,000 TREATS Points (2,000,000 miles) at any time. This cap applies across all Maybank cards.
You would need to spend a lot — and I really mean a lot — to breach this cap, but it’s not outside the realm of possibility. Still, even if your spending was high enough to reach the limit, it’s just a simple matter of transferring some points out before spending more.
This clause can be found at point 2.8 of the general TREATS T&Cs.
What transactions aren’t eligible for TREATS Points?
A full list of transactions that do not earn points can be found in the general TREATS T&Cs at point 2.2.
I’ve highlighted a few noteworthy categories below:
- Betting and gambling transactions
- Brokerage and securities transactions
- Charitable donations
- Government services
- Insurance premiums
- Prepaid account top-ups, e.g. GrabPay and YouTrip
- Utilities
The main change from last year’s review is that utilities are now an excluded category, having been excluded in December 2025.
For the avoidance of doubt, you will earn points on commonly-excluded transactions such as education and hospitals. These will earn just 0.4 mpd if charged in SGD, but if you spend in FCY, you could be earning as much as 3.2 mpd on university fees or medical treatments.
What do I need to know about TREATS Points?
| ❌ Expiry | ↔️ Pooling | 💰 Transfer Fee |
| No expiry | Yes |
S$27.25 |
| ⬆️ Min. Transfer | ✈️ No. of Partners | ⏱️ Transfer Time |
| Varies | 4 | 1-2 working days (to KrisFlyer) |
Expiry
While TREATS Points normally expire after 12-15 months, Maybank World Mastercard cardholders are automatically enrolled into the Rewards Infinite programme. This means their TREATS Points never expire.
This non-expiry benefit will also be extended to TREATS Points earned on other Maybank cards.
Pooling
TREATS Points pool with other Maybank cards. If you have 20,000 TREATS Points on the Maybank World Mastercard, and 5,000 TREATS Points on the Maybank Horizon Visa Signature, you can redeem 25,000 TREATS Points in a single conversion.
This also means that if you cancel your Maybank World Mastercard, you won’t lose your accumulated TREATS Points unless it happens to be your very last TREATS-earning card.
Transfer partners
TREATS Points can be transferred to four airline partners at the following ratios.
| Frequent Flyer Programme | Conversion Ratio (TREATS Points: Partner) |
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25,000 : 10,000* |
 |
12,500 : 5,000 |
 |
12,500 : 5,000 |
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4,000 : 2,000 |
Malaysia Airlines Enrich and AirAsia Rewards are close to worthless in my opinion, so that leaves Asia Miles and KrisFlyer as the only realistic options.
Transfer fee
Unfortunately, Maybank no longer waives the points conversion fee for the Maybank World Mastercard and Maybank Visa Infinite, ever since April 2025.
Cardholders will pay a fee of S$27.25 per conversion.
Transfer blocks
The minimum transfer block depends on the programme. For KrisFlyer, it’s 10,000 miles, but for Asia Miles and Enrich, it’s 5,000 miles.
Transfer time
Conversions to KrisFlyer miles are generally completed within 1-2 working days.
Conversions to other programmes usually require 10 days, because they are manually processed (see below).
How to transfer
TREATS Points conversions to KrisFlyer miles can be made via the TREATS SG app.
Do note that the Maybank TREATS SG app will not show KrisFlyer miles redemption options until you enrol your KrisFlyer account. This can be done by going to Profile > My Account > Enrolment > KrisFlyer.
After completing the enrolment, you’ll need to log out and log in again, after which KrisFlyer miles will appear under the Travel section.
TREATS Points conversions to other programmes require filling up a PDF form and emailing it to Maybank (SG.rewardsform@maybank.com).
Other card perks
Golf benefits
The Maybank Regional Golf programme offers principal Maybank World Mastercard cardholders complimentary green fees at more than 100 participating golf clubs across 19 countries.
Cardholders must spend at least S$2,000 in the previous calendar month to enjoy this benefit, and can book a maximum of two flights per month per cardholder. In Singapore, the participating clubs are:
- Sembawang Country Club
- Warren Golf & Country Club
- Orchid Country Club
- One additional participating club (not named)
Golf perks offered by other credit cards normally require a paying guest, but no such requirement exists for Maybank World Mastercard cardholders who book clubs in Singapore, Malaysia, Indonesia and the Philippines.
The T&Cs of the Maybank Regional Golf programme can be found here.
Complimentary KLIA Express VIP Service
Maybank customers can now earn complimentary KLIA Express VIP Service by spending on their credit card from 1 August to 31 December 2026.
| Eligible Spend (per calendar month) |
Complimentary Service |
| S$2,000 | 1x one-way KLIA Express VIP Service for 1 pax (includes limo transfer + 1 train pass) |
| S$3,000 | 1x one-way KLIA Express VIP Service for 2 pax (includes limo transfer + 2 train passes) |
- Spending at least S$2,000 in a calendar month unlocks one limo ride and one KLIA Express ticket
- Spending at least S$3,000 in a calendar month unlocks one limo ride and two KLIA Express tickets
The limo can accommodate up to four passengers, so if you have additional travellers in your group, you can add on additional KLIA Express train tickets for MYR55 per adult and MYR25 per child — the same rate you’d pay on the public website.
Each cardholder can enjoy a maximum of four complimentary services during the entire promotion period.
For more on this promotion, refer to the post below.
Maybank cards offering complimentary KLIA Express VIP Service
Complimentary travel insurance
| Accidental Death | S$1,000,000 |
| Medical Expenses | N/A |
| Others | Missed Connection: S$400 Luggage Delay: S$400 Lost Luggage: S$1,000 |
| Policy Wording | |
Maybank World Mastercard cardholders receive complimentary travel insurance when they charge their full travel fares to their card. Unfortunately, coverage will not apply in situations where you redeem miles for an award ticket, and charge the taxes and fees to your Maybank World Mastercard.
This features up to S$1,000,000 coverage for accidental death or total permanent disablement, S$400 for luggage delays or missed connections, and S$1,000 for luggage loss.
However, there is no coverage for medical expenses or emergency medical evacuation. Because of this, I highly advise that you purchase comprehensive travel insurance elsewhere.
How does it compare to the Maybank Horizon Visa Signature?
The Maybank Horizon Visa Signature and Maybank World Mastercard are often confused, since they both offer bonuses for FCY spending.
The Maybank World Mastercard earns 2.8 mpd on FCY spend with a minimum spend of S$800, and 3.2 mpd on FCY spend with a minimum spend of S$4,000 — so does the extra upside make the Maybank Horizon Visa Signature obsolete?
Not quite. As the table below summarises, the Maybank Horizon Visa Signature still has the edge when it comes to air tickets, and also qualifies for SaveUp bonus interest.
| 💳 Summary: Maybank Horizon vs Maybank World Mastercard | ||
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| Maybank Horizon | Maybank World Mastercard | |
| Min. Income | S$30K p.a. | S$80K p.a. |
| Annual Fee | S$196.20 (3 years free) |
S$261.60 (first year free) |
| Min. Spend for AF Waiver | S$18,000 | S$24,000 |
| FCY Earn Rate | Up to 2.8 mpd | Up to 3.2 mpd |
| Other Bonuses | 2.8 mpd (Air Tickets) |
4 mpd (Petrol, Specialty Retail & Dining) |
| Points Expiry | 12-15 months | No expiry |
| Conversion Fees | S$27.25 | S$27.25 |
| SaveUp Bonus Interest | Yes | No |
| Points Awarding (FCY) | 1.2 mpd upfront 1.6 mpd next month |
0.4 mpd upfront 2.4/2.8 mpd next month |
| Points Awarding (Other Bonus Categories) | 1.2 mpd upfront 1.6 mpd next month |
4 mpd upfront |
For the full analysis, refer to the post below.
Terms & Conditions
Summary Review: Maybank World Mastercard
| Maybank World Mastercard |
|
| 🦁 MileLion Verdict | |
| ☑ Take It ☐ Take It Or Leave It ☐ Leave It |
If you consistently find yourself exceeding the bonus caps with other credit cards, then the Maybank World Mastercard might be the ideal solution.
With an uncapped 4 mpd on petrol, specialty retail & dining, and an uncapped 3.2 mpd on FCY spend (including education and hospitals), this would really let you rack up the points quickly. Points don’t expire, though it’s a shame that free conversions are no longer available.
Even if you’re a smaller spender, you can still earn a respectable uncapped 2.8 mpd on all FCY spend, with a minimum spend of just S$800.
However, with the new Trust Freedom Card offering 1.3 mpd on FCY spend with no fees, you’ll need to think carefully about whether the ability to accumulate miles faster is worth paying 1.62 cents per mile. I think that arguments can be made either way — it all depends on what your timeline is, and how stable you think award prices will be during that period.
So that’s my review of the Maybank World Mastercard. What do you think?
Very troublesome to require payslip
Maybank pls revise your policies !!!
I’m not sure where this card fits into the usually well-defined matrix of Singaporean credit cards. By and large, excluding co-brand and Amex-issued cards (because the latter is way too hard for me to categorise), there are four categories of miles cards in Singapore. Specialised (DBS Woman’s World, Citi Rewards, UOB PPV/VS/Lady’s, plus the now-crippled HSBC Revolution) General $30k (Citi PremierMiles, DBS Altitude, UOB PRVI Miles, most SCB cards) General $120k (Citi Prestige, DBS Vantage, HSBC/Maybank/SCB Visa Infinite) $500k (Citi ULTIMA, DBS Insignia, UOB Reserve) Perhaps the Maybank World Mastercard is a category all unto its own, because this is… Read more »
I’m actually surprised if banks want to fit all their cards into a category such that it goes head on with other cards.
Better approach would be to find their own niche.
Any idea if the categories under exclusion for treat points, such as insurance, can count towards the min spend for the welcome gift?
I don’t see any rewards on donations, education, hospital bills and utilities. Am I missing something?
Yeah, same. I got this card. Spent on those categories – got zero treats points. Feels like a waste of time.
I don’t see exclusions on Donation, Education, Hospital and Utility… but Insurance is clearly excluded on all Maybank cards except Horizon Visa Signature.
I should have read the T&Cs myself because I paid for insurance last month with the World Mastercard thinking I’ll earn accelerated points on FX during my trip later in the month. But now realise it’s all for nothing.
for insurance, the only 2 cards that grant points are maybank horizon and maybank visa infinite.
Hey Aaron, refer to T&Cs clause 2.3. there seems to be a hard cap which is subjective to individuals… Not sure how this hard cap works. Is it based on per transaction or per month basis ? Meaning if I split my extremely large bill into multiple txn within my personal credit limit, would that award me the points ?
“In addition to the list stated in clause 2.2, TREATS Points will not be awarded for amounts that
exceed the approved credit limit of the Cardmember.”
Maybank site states: Complimentary Plaza Premium airport lounge access. New Perk?
https://www.maybank2u.com.sg/en/personal/cards/credit/maybank-world-mastercard.page
2x free visits. good spot. will update my post on lounge access.
Charge a minimum of S$1,000 in a single retail transaction to your Maybank Premier World Mastercard or Maybank World Mastercard to enjoy one complimentary Plaza Premium Lounge access, within 3 months from transaction date.
Maybank Premier World Mastercard enjoy complimentary access to Plaza Premium Lounge twice a calendar year with no spending requirement. To enjoy the complimentary lounge access, simply present your Premier World Mastercard at Plaza Premium Lounge. Subsequent access will be based on minimum spend of S$1,000 in a single retail transaction.
So is there free lounge access? The summary table still says ‘no’.
this is not a benefit of the maybank world mastercard. it is a benefit of the maybank premier world mastercard (different product)
$4000 per calendar month spending to receive 3.2mpd has to be maintained across all months? All can be for that particular month only to receive 3.2mpd?
Does the redemption program for Krisflyer through Maybank World Mastercard goes through Maybank TREATS Points Redemption Form?
Or through the TREATS app itself?
How about online FCY payment ?
e.g ebay, amazon, etc ?
curious too if the 3.2mpd for FCY transactions (with min 4k spend) applies to both online and offline transactions?
No mention of online vs offline in the terms. Just retail transactions so I’d take it online works for this FCY earn.
https://www.maybank2u.com.sg/iwov-resources/sg/pdf/cards/maybank-world-mastercard-tnc.pdf
Hi, is the minimum spending per month calculated based on transaction date or posting date?
See the terms. A bit more complex. Posted before 7th day of the following month counts towards the previous calendar month.
https://www.maybank2u.com.sg/iwov-resources/sg/pdf/cards/maybank-world-mastercard-tnc.pdf
Looks like they’ve recently excluded charitable contributions from points eligibility.
Continued nerfing underway:
https://www.maybank2u.com.sg/en/personal/about_us/important-notices/2025/revision-maybank-tp-rewards-programme-general-tnc.page
“With effect from 1 April 2025, Maybank TREATS Points Rewards Programme General Terms and Conditions will be revised. The key revisions are summarised below:
You are also allowed to sign up for the Diamond Sky Fuel Card with Caltex – probably the best discounts for petrol!
yes. https://cardspromo.maybank2u.com.sg/promotions/diamond-sky-fuel-card
card takes a while to get setup. manual send in form..etc
Card doesn’t support google pay. Only apple and Samsung. Also cannot change statement date. Otherwise good FCY card as mentioned in article
Apparently, there is a requirement to call the bank to whitelist the country that you are going to (they allowed a whitelisting period of max one month), otherwise they will block your transaction. I just went through that experience, It is pretty tedious (and frustrating) to keep doing that. Anyone had the same experience?
I called them earlier and the CS rep mentioned having to call every day because the whitelist is only available for 24 hours. Extremely inconvenient when in a different timezone and defeats the purpose of having this card
Sounds insane. The cost of the call (can we whatsapp call a landline?) and the cognitive load while on vacation…..