Maybank World Elite Mastercard
Up to 25X TreatsPoints for every RM5 spent
Apply for Maybank World Elite Mastercard →
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Maybank World Elite Mastercard overview
The Maybank Maybank World Elite Mastercard is a Elite-tier Mastercard miles card built around air miles. Up to 25X TreatsPoints for every RM5 spent. It best suits high-income earners, with a minimum income requirement of RM190,000 a year. It has an annual fee of RM800 (free 1st year; then waived with min. rm120,000/yr spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓Up to 25X TreatsPoints for every RM5 spent
- ✓16 complimentary Plaza Premium lounge visits/yr
- ✓Travel insurance up to USD1,000,000
- ✓Annual fee waived with min. RM120,000/yr spend
Is the Maybank World Elite Mastercard worth it?
The Maybank World Elite Mastercard is best suited to high-income earners — its minimum income requirement is RM190,000 a year (about RM15,833 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (free 1st year; then waived with min. rm120,000/yr spend)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM800 annual fee unless the waiver condition is met
- −Higher income requirement — RM190k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — Maybank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Maybank World Elite Mastercard, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- 1x TreatsPoints only (base rate, not zero) on utilities, petrol, education, EzyPay and insurance transactions; zero TreatsPoints on Mycdd/government bodies, JomPAY, FPX transactions and e-wallet reloads — per the official product page.
- Foreign transaction fee
- Mastercard/Visa/Amex's own conversion rate plus a 1% charge imposed by Maybank — per the official Premier-cards Product Disclosure Sheet's standard fee schedule (bank-wide, not card-specific).
- Fee waiver
- Waived 1st year; waived for subsequent years with minimum annual spend of RM120,000 — per both the official product page and the PDS.
- ⚠TreatsPoints redemption cap could not be confirmed on the official product page or the Premier-cards PDS — left unset rather than guessed.
- ⚠Buy-1-get-1 Business Class ticket to select Malaysia Airlines destinations requires minimum spend of RM150,000/yr (effective 1 Jan 2026), separate from the RM120,000/yr annual-fee-waiver threshold.
Verified 18 August 2026. Summarised in our own words from Maybank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Maybank World Elite Mastercardterms & product disclosure →Maybank World Elite Mastercard FAQ
You need a minimum annual income of RM190,000 (about RM15,833 a month). Maybank also considers your overall credit standing.
The annual fee is RM800, but it can be waived: free 1st year; then waived with min. rm120,000/yr spend.
It earns air miles. Up to 25X TreatsPoints for every RM5 spent.
No — the Maybank World Elite Mastercard is a conventional credit card. Check with Maybank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "Up to 25X TreatsPoints for every RM5 spent". Weigh the RM800 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Maybank World Elite Mastercard compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Maybank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Maybank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.
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Live · last activity 20 Jun 2026