For comparison purposes only. Final terms are determined by the issuing bank.
Review
Accessible Weekend Cashback for Everyday Essentials
The Maybank Islamic Ikhwan Mastercard Gold Card-i delivers the same core cashback structure as the Platinum version, but with a significantly lower income requirement of RM24,000 per annum. Cardholders receive 5% cashback on petrol and groceries every Friday and Saturday, capped at RM50 per month, with no minimum monthly spending requirement.
This structure makes the card particularly suitable for entry-level earners or users who prefer simple, predictable cashback without tracking monthly thresholds. As with the Platinum version, the cashback cap is fully utilised at roughly RM1,000 of qualifying spend on the designated days.
All other spending earns 1x TreatsPoints, which offers minimal real-world value and should be considered incidental rather than a deciding factor.
The Gold version omits the additional Mastercard lifestyle privileges found on the Platinum card, but retains the same lifetime annual fee waiver and charity contribution feature, where 0.1% of spending is donated by the bank to charitable causes.
Verdict: The Ikhwan Gold Mastercard-i is best suited for users seeking a low-barrier weekend cashback card for petrol and groceries. While it lacks premium extras, its simplicity and zero holding cost make it a practical everyday companion for budget-conscious cardholders.
Pros
- Same 5% cashback on petrol and groceries every Friday and Saturday, capped at RM50.
- Very low income requirement with lifetime annual fee waiver.
- No minimum monthly spend* required to earn cashback.
Cons
- Cashback applies only on specific days and categories.
- No meaningful rewards outside petrol and groceries.
- Lacks additional lifestyle or premium card privileges.
Cashback
| Category | CashbackTotal cap RM50/month | Cap |
|---|---|---|
Petrol (Fri & Sat) | 5% | Shared RM50Petrol (Fri & Sat) + Groceries (Fri & Sat) |
Groceries (Fri & Sat) | 5% |
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
| Category | Multiplier | Cap |
|---|---|---|
All Other Retail | 1xTreatsPoints | Uncapped |
Utilities | 1xTreatsPoints | Uncapped |
Education | 1xTreatsPoints | Uncapped |
Insurance | 1xTreatsPoints | Uncapped |
EzyPay / EzyPay-i | 1xTreatsPoints | Uncapped |
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 for each points program. 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.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
Monthly Spend
Estimate monthly cashback from eligible category spend.
Cashback Summary
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Card benefits
Charity Fund
With every spending the Bank will contribute 0.1% for charity purposes.
Umrah / Holiday Package
Stand a chance to win Umrah / Holiday package for 2. Every minimum transaction of RM200 in a single receipt earns 1 entry.