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American Express Cash Back Gold Credit Card

American Express Cash Back Gold Credit Card

Unlimited Cash Back. No Minimum Spend. No Rebate Cap.

 

  • 1.5% cash back on overseas spend
  • 1% cash back on local spend
Minimum Monthly Income
Minimum Monthly Income

RM 3

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

0% for 12 months

Annual Fee
Annual Fee

RM 70.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback
  • 1% Cash Back on local spend.
  • 1.5% Cash Back on overseas spend.
Balance Transfer

Save more with lower interest rates when you transfer your other credit card balance via Maybank Balance Transfer Programme

Tenure (Month) 6 9 12

 24

36
Minimum Balance Transfer Amount (RM) 1,000 1,000 1,000 2,000 2,000
Interest Rate (per month) 0.50% 0.75% 0% 0.375% 0.413%
One Time Upfront Fee 0% 0% 3% 0% 0%
Monthly Repayment (RM) 171.67 118.61 85.83 88.33 63.82
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months

 

Premium

SPG Hotels & Resorts Privileges

Dining privileges at SPG Hotels & Resorts in Malaysia:

  • 50% savings with two diners
  • 40% savings with three to 10 diners
  • Offers are valid until 31st December 2018
FEES & CHARGES
Annual fee RM 70.00
Annual fee condition Waived for first year
Annual fee for suplementary card RM 45.00
Annual fee condition for supplementary card Waived for first year up to 2 Supplementary Cards
Minimum monthly payment 5% of the outstanding balance or a minimum payment of RM 25, whichever is higher
Late payment interest 1% of the unpaid retail and cash advances/withdrawal transaction outstanding balance, subject to a minimum of RM10, whichever is higher up to maximum of RM100.
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of amount withdrawn or RM10, whichever is higher
Cash withdrawal interest rate 18% p.a. or 1.5% p.m. of the outstanding amount calculated on a daily basis
Balance transfer upfront fee 3%%
Balance transfer interest rate 0% for 12 months
Balance transfer max valid duration Up to 36 months
Balance transfer lock in period Up to 36 months
Balance transfer early settlement penalty NA

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