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Maybank · Mastercard or Visa · Gold

Gold

Why pick it: Fee auto-waived at 24 uses, 0% at select stores

Gold Mastercard: 1 TreatsPoint per ₱25 (8,000 points = 1,000 Asia Miles), annual fee auto-waived with 24 uses or ₱24k yearly spend.

Score
26 /100
Rank
#64 of 123
Annual fee
₱2,500
Borderline B/C
GET IT IF…Honest take

Auto-waived ang fee sa 24 uses o ₱24,000 a year, at 0% installment ang pinakamalakas na benefit sa page.

Bottom line: Kung simpleng card na may 0% installment lang ang gusto mo, pwede na ito. Kung rewards o travel ang habol mo, pumili ng ibang card.

Read the full take: the math, what's good, what hurts

Kung ilalagay ng typical household (~₱825k a year) ang lahat sa card na ito, ~₱2,500 lang ang balik, from our data, at -₱1,000 ang travel value, negative dahil 2.50% ang foreign fee. ₱2,500 ang annual fee ayon sa fees page ng Maybank, pero auto-waived ito kapag nagamit mo ang card 24 times o nag-spend ka ng ₱24,000 a year. ₱1,500 ang supplementary card, per the same page. 26 ang score nito, kaya #64 sa 123 open cards.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • 0% installment up to 24 months sa select merchants.
  • ₱420,000 a year ang income requirement, per FAQ.
  • Hindi nag-e-expire ang points.

What's bad

  • 1 TreatsPoint per ₱25 lang ang earn, kaya maliit ang return.
  • Hindi nakalista sa page ang lounge o travel insurance.
  • Per the page, 2.50% ang singil sa foreign spend. Huwag gamitin abroad.
  • Kailangan mo ng ibang local card na hawak mo nang 10+ months, may ₱30,000 limit.

The catch: Wala sa card page ang annual fee. Galing sa hiwalay na fees page ng Maybank, dated Feb 2023, kaya i-confirm ang kasalukuyang halaga bago mag-apply. Dated Dec 2023 ang card page mismo.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee (only on the separate fees page); lounge access; travel insurance. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱1,500 in rewards (₱2,500) and travel value (−₱1,000), before the ₱2,500 annual fee (waived automatically at ₱24,000 yearly spend)
To qualify:
₱420,000 a year income; Must hold another local card 10+ months with ₱30k+ limit
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#64 of 123 cards open to new applicants, and #93 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value9 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend6 / 37

      About ₱2,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      The ₱2,500 fee is waived automatically at ₱24,000 of yearly spend, which the typical household reaches. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

  • Promos and 0% installments5 / 15

    0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 27 live promos tracked. How it is scored

  • Points flexibility6 / 10

    4 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path3 / 5

    Gold card level, plus how Maybank handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: average. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱850 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about ₱2,500 a year in rewards and −₱1,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod46 BOct 2446 BOct 2626 BOct 2726 BNov 226 BNov 426 BNov 926 BNov 1026 BNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,500
Supplementary fee
₱1,500
Fee waiver
Waived automatically at ₱24,000 yearly spend
Foreign transaction fee
2.50%
Minimum income
₱420,000 a year
Also needs
Must hold another local card 10+ months with ₱30k+ limit

Rewards

1 TreatsPoint per ₱25.

Type
Points
Points expiry
none
Airline partners
Asia Miles, KrisFlyer, PAL Mabuhay Miles, AirAsia

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Fee auto-waived at ₱24,000 yearly spend
  • Points don't expire; 4 airline partners

Live and upcoming promos (34)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 29 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official Maybank card page ↗