American Express Gold Credit Card

American Express Gold Credit Card

Everyday Is More Rewarding


  • Annual Fee: Waived for life
  • Earn up to 5X membership rewards points
  • Entertainment Cashback: Earn 5X membership rewards at Cathay Cineplexes
  • Groceries Cashback: RM1 = 5 membership rewards points
  • Shoping Cashback: Earn 5X membership rewards at Kinokuniya, Borders, Times & MPH
  • RM1 = 2 membership rewards points
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 0.00

Credit Card's Promotion


Discover how much membership rewards points you earned with American Express Gold Credit Card

Categories Spend Membership Rewards Points
Groceries RM1 5
Cathay Cineplexes RM1 5
Kinokuniya, Borders, Times & MPH RM1 5
Maxis, Digi, Celcom & Telekom via Express Autopay RM1 5
Others RM1 2
Education Institutions, Insurance Providers, Utilities (Electric, Gas, Sanitary and Water), Petrol and Maybank 0% EzyPay Instalment RM1 1

Note: No Treatspoints will be awarded to Government bodies.

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


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



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

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
Annual fee RM 0.00
Annual fee condition Waived for life
Annual fee for suplementary card RM 0.00
Minimum monthly payment 5% of outstanding balance or a minimum of RM25, whichever is higher
Late payment interest 1% of the unpaid outstanding balance or a minimum of RM10, whichever is greater, up to a 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Cash withdrawal 5% of amount withdrawn or RM18, whichever is higher
Cash withdrawal interest rate 18% p.a. or 1.5% p.m. of cash advance 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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