Maybank Islamic Ikhwan Mastercard Gold Card-i

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.