Maybank XL Rewards Card
Maybank · MASTERCARD
The Maybank XL Rewards Card is a credit card from Maybank on the Mastercard network. It has an annual fee of S$87.20. It earns up to 4x on dining & restaurants, up to 4x on shopping, up to 4x on travel. The welcome offer is S$10 cashback and a complimentary Etiqa travel medical policy for new-to-Maybank cardholders who make one purchase in the first two months (offer ends 31 October 2026).
Key facts
- Annual fee
- S$87.20
- Purchase APR
- 27.9% p.a.
- Foreign transaction fee
- Up to 3.25% (2.25% Maybank + up to 1% Visa/Mastercard)
- Network
- MASTERCARD
- Welcome offer
- S$10 cashback and a complimentary Etiqa travel medical policy for new-to-Maybank cardholders who make one purchase in the first two months (offer ends 31 October 2026)
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | up to 4x | Dining and food delivery, miles per S$1 (10X TREATS Points), with S$500 spent in the calendar month; bonus capped at 10,000 TREATS Points a month |
| Shopping | up to 4x | Shopping, including online, miles per S$1 (10X TREATS Points), with S$500 spent in the calendar month; bonus capped at 10,000 TREATS Points a month |
| Travel | up to 4x | Airlines, hotels and travel agencies, miles per S$1 (10X TREATS Points), with S$500 spent in the calendar month; bonus capped at 10,000 TREATS Points a month |
| Entertainment | up to 4x | Bars, cinemas and shows, miles per S$1 (10X TREATS Points), with S$500 spent in the calendar month; bonus capped at 10,000 TREATS Points a month |
| Everything else | 0.4x | All other spend: 5 TREATS Points per S$5 (0.4 miles per S$1) |
Benefits and perks
- 4 miles per S$1 on foreign currency spend too, within the same monthly bonus cap.
- For applicants aged 21 to 39.
- Annual fee waived for the first 2 years.
- Annual fee waived after that with S$6,000 spent in a year.
Questions about the Maybank XL Rewards Card
What is the annual fee on the Maybank XL Rewards Card?
The Maybank XL Rewards Card has an annual fee of S$87.20.
What rewards does the Maybank XL Rewards Card earn?
The Maybank XL Rewards Card earns up to 4x on dining & restaurants, up to 4x on shopping, up to 4x on travel, up to 4x on entertainment, 0.4x on everything else.
Is the Maybank XL Rewards Card worth it?
The Maybank XL Rewards Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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