For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Low-Barrier Entry into Structured Rewards
\n\nThe Maybank 2 Gold Cards are positioned as the more accessible counterpart to the Platinum version, with a minimum income requirement of RM30,000 per annum. Despite the lower entry threshold, the card pairing retains the core structure that defines the Maybank 2 Cards series: a dual-card setup combining an American Express card for higher rewards with a Mastercard or Visa for broader acceptance.
\n\nThe primary value lies in the American Express card’s reward mechanics. On weekends, cardholders earn 5% cashback on most retail spending, subject to a monthly cap of RM50. On weekdays, the Amex card earns 5x TreatsPoints per RM1 spent. This split structure encourages intentional usage—weekends for cashback and weekdays for points accumulation—while keeping the rules easy to follow.
\n\nTravel-related benefits are more modest compared to the Platinum tier, with complimentary travel insurance coverage capped at RM300,000. However, the inclusion of a lifetime annual fee waiver removes any long-term holding cost, making the card pairing suitable as a low-maintenance option for users who are new to reward optimisation.
\n\nVerdict: This card combination is best suited for users with a stable income around the RM30,000 threshold who want to learn structured spending habits without committing to higher-tier cards. While American Express acceptance is more limited and e-wallet spend is excluded from rewards, disciplined weekend usage can still deliver consistent value over time.
Pros
- Low income requirement (RM30,000/year)
- Lifetime annual fee waiver
- High 5% cashback on weekend spending with the Amex card
- Complimentary travel insurance coverage up to RM300,000
Cons
- Amex card is less widely accepted compared to Mastercard or Visa
- Core rewards (Cashback and 5x Points) are exclusively tied to the Amex card
- Required to pay RM25 Service Tax (SST) for each card, totaling RM50 per year
- Low reward rate of 1x TreatsPoint for petrol, utilities, insurance, and education spend
- No cashback or rewards points awarded for E-wallet reloads
Cashback
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Rewards Points
5X TreatsPoints is capped at RM500 per transaction and transaction above RM500 will be awarded 1X TreatsPoint for every RM1 spend.
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available. A lower CPM indicates better value.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Upcoming
Card benefits
Travel Insurance
Travel Personal Accident Insurance coverage of up to RM300,000.
Lifetime Fee Waiver
No annual fee for life for both Principal and Supplementary cards.