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Maybank · Mastercard or Visa · Platinum

Platinum

Why pick it: 1.8% foreign fee plus 1% overseas cashback

Platinum Mastercard: 1 TreatsPoint per ₱25 (5,000 = 1,000 Asia Miles) plus 1% overseas cashback, 1.8% FX, golf privileges.

Score
38 /100
Rank
#38 of 123
Annual fee
₱3,500
Solid B
GET IT IF…Honest take

Pwedeng ma-waive ang fee kapag aktibo mong gamit ang card, pero maliit ang everyday returns.

Bottom line: Kung may ibang card ka na at gusto mo ng mababang foreign fee at annual fee na may auto-waiver, puwede ito. Kung rewards ang goal mo, mas malakas ang ibang cards sa list.

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

Sa full spend ng typical household (~₱825k a year), nasa ~₱4,000 ang balik at ~₱0 naman ang travel value, galing sa data. Nakalista sa fees page ang ₱3,500, pero auto-waived ito sa 12 uses o ₱60,000 spend within a year. ₱1,750 each ang supplementary cards, same page. 38 ang score at #38 ang puwesto sa 123 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

  • Mababa ang fee sa foreign spend: 1.80%.
  • 1% cashback sa overseas spend, 1 TreatsPoint per ₱25, at golf privileges.

What's bad

  • Physical terminals only ang overseas cashback, hindi online, at capped sa ₱12,000 a year.
  • Hindi nakalista sa card page ang lounge at travel insurance.
  • Required ang ₱650,000 a year na income at ibang local card (₱30,000 limit, issued more than 10 months ago).

The catch: Wala sa card page mismo ang annual fee. Galing ito sa separate fees page ng Maybank, dated Feb 2023, kaya i-double-check ang current amount bago mag-apply. Ayon sa footnote ng FAQ, hindi available ang auto-waiver sa Premier Wealth clients.

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 ₱4,000 in rewards, before the ₱3,500 annual fee (waived automatically at ₱60,000 yearly spend)
To qualify:
₱650,000 a year income; Must hold another local card 10+ months with ₱30k+ limit
Bank service:
About typical.

Who can apply

Age:
21 to 65.
Existing card:
The bank's FAQ page asks for another locally issued credit card with a limit of ₱30,000 or more, issued more than 10 months.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#38 of 123 cards open to new applicants, and #55 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value17 / 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 spend9 / 37

      About ₱4,000 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 ₱3,500 fee is waived automatically at ₱60,000 of yearly spend, which the typical household reaches. How the bars work

    • Travel and perks on the default spend2 / 10

      Under ₱250 of travel value on one trip abroad a year, after the 1.80% 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 flexibility9 / 10

    4 airline partners, and points that do not expire. How it is scored

  • Credit limit and upgrade path3 / 5

    Platinum 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 ₱4,000 a year in rewards and ₱0 in travel value.

Score over time

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

methodmethodmethodmethod51 BOct 2451 BOct 2638 BOct 2738 BNov 238 BNov 438 BNov 938 BNov 1038 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
₱3,500
Supplementary fee
₱1,750
Fee waiver
Waived automatically at ₱60,000 yearly spend
Foreign transaction fee
1.80%
Minimum income
₱650,000 a year
Also needs
Must hold another local card 10+ months with ₱30k+ limit

Rewards

1 TreatsPoint per ₱25, plus 1% cash back on overseas in-store spend.

Caps: ₱12,000 per year (spending abroad)

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 ₱60,000 yearly spend
  • Low FX fee (1.80%)
  • Points don't expire; 4 airline partners

Watch out for

  • Rewards on spending abroad capped at ₱12,000 a year

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 ↗