Maybank Gold Mastercard: fees, interest and requirements
The Maybank Gold Mastercard has an annual fee of ₱2,500 a year, waived above a yearly spend, charges 3% a month on unpaid balances and needs a minimum income of ₱420,000 a year.
Verdict: Worth it if the points you redeem are worth more than ₱2,500 a year. The fee is waived if you reach the spend the bank sets. Skip it if this would be your first credit card or if you earn under ₱420,000 a year.
From Maybank credit card fees and charges, dated 10 February 2023. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱2,500 annual fee and a year comes to ₱3,712, 48th lowest of 127 cards open to the public (tied with 13).
Maybank also issues this card on Visa as the Maybank Visa Gold, with identical fees, rate and perks.
BSP supervised: Maybank Philippines, Incorporated, universal and commercial bank, BSP institution ID 19, is on the BSP Verifier list dated Sep 28, 2026.
What the Maybank Gold Mastercard gives you
- Earn one (1) TreatsPoint for every Php25 retail spend and redeem miles, cash credits or eGift Vouchers Maybank card page
- 0% Interest on Installment for up to 24 months in select Maybank-accredited merchant partners same page
Who should get the Maybank Gold Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The China Bank Freedom Mastercard (China Bank) asks the same or a lower income and costs ₱2,500 a year less. Pick the Maybank Gold Mastercard only if its rewards are worth more than that to you. |
| This would be your first credit card | Skip it for now: Maybank asks for another Philippine-issued credit card with a limit of at least ₱30,000, held more than 10 months. Start with one of the first cards that need no card history. |
Maybank Gold Mastercard downsides, and what a late payment costs
- Not a first card: you need a card from another bank already.
- The ₱2,500 fee is waived only if you spend ₱24,000 a year.
- Foreign currency purchases cost 2.5% extra.
If you pay late: Maybank charges up to ₱850, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
Maybank Gold Mastercard annual fee, interest and charges
| Charge | Maybank Gold Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱2,500 a year Supplementary: ₱1,500 a year | Automatically waived with 24 uses (online, dip or tap) or ₱24,000 of spend in a year. Maybank fee page Fee table: Gold tier.Maybank fee table, 10 February 2023 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal plus 3% a month interest | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱850 | same table |
| Foreign transactions | 2.5% | same table |
Figures from Maybank credit card fees and charges (dated 10 February 2023), Maybank card page. BSP ceilings: BSP Circular No. 1165, s.2023. How Maybank words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: Maybank billing rules.
Requirements and how to apply
Card history: Maybank asks for another Philippine-issued credit card with a limit of at least ₱30,000, held more than 10 months, so this cannot be your first card.
Income: at least ₱420,000 a year (about ₱35,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: Maybank contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| Maybank Gold Mastercard Maybank | ₱2,500 a year waived above a spend | 3% | ₱3,712 | ₱420,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Metrobank Rewards Plus Visa Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Metrobank Titanium Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱350,000 a year |
Questions
What are the requirements for the Maybank Gold Mastercard?
At least ₱420,000 a year in income (about ₱35,000 a month). Maybank asks for another Philippine-issued credit card with a limit of at least ₱30,000, held more than 10 months. Maybank's age and document rules are the same for all its cards.