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Maybank Family & Friends Card

Cashback card by Maybank · Some effort · Min S$800 a month

Earns 6% on your chosen categories (6%, with S$800 spend in the month). Everything else in S$ earns 0.22%. Annual fee: S$196.20, 3 years free.

Apply at Maybank
Best rate6%Your chosen categories
Everything else0.22%in S$
Bonus capNo cap
Annual feeS$196.203 years free

Checked against Maybank's own terms on 8 Oct 2026. See the documents

How you earn

WhereHow you payYou earn
Your chosen categories (6%, with S$800 spend in the month)Any way of paying6%
needs S$800 spend
Everything else, in S$Any way of paying0.22%
Everything else, in a foreign currencyAny way of paying0.22%
The bank's full earning rules

Where the bonus applies

Earns nothing on

See all 6
  • NETS/eNETS, government and statutory payments, betting and gambling, brokerage and securities, charitable/religious/political payments
  • Cleaning and maintenance services (7349), utilities (4900) and insurance
  • Excluded MCCs include 4829, 6010, 6011, 6012, 6050, 6051, 6529, 6530, 6534, 6540, 7511, and AXS/SAM transactions
  • Fees, interest, instalment plans, cash advances, and listed prepaid/e-wallet merchants (e.g. EZ-Link, Skrill, PayPal-related payees)
  • From 1 Dec 2025: descriptors such as BAGUS, CANTINE, INSTAREM, RAZERPAY, SEDAP, SGEBIZ, SIMPLYGO, SINGAPORE E-BUSINESS and SINGTEL DASH
  • Corporate/commercial transactions; refunded, disputed or fraudulent purchases; GST

Fees and limits

Annual feeS$196.20 incl. GST for the principal card, waived for the first 3 years; afterwards waived with at least S$12,000 spend a year. Supplementary cards free.
Minimum incomeS$30,000 (Singapore Citizens/PRs); S$45,000 (Malaysian citizens employed at least 1 year); S$60,000 (other foreigners employed at least 1 year).
Overseas fee2.25% Maybank administrative fee on foreign-currency transactions plus up to 1% charged by the card association; up to 1% on SGD transactions processed overseas (Maybank credit card fees and charges).
Rewards expiryAccumulated cashback is forfeited if the card is closed.
Turning rewards into miles or cashCashback is credited to the principal card account, based on posting date, by the next statement or a date Maybank sets.

Good to know

Pick 5 of Maybank's 10 categories in the Maybank TREATS SG app; picks start the next month and lock for 3 months. Set the same ones here. Defaults if you never pick: Automotive, Dining & Food Delivery, Kids & Pets, Online Shopping, Telco & Streaming.

6% needs S$800 of eligible spend in the calendar month; 8% needs S$1,600. Groceries stays at 6% even at S$1,600+.

Maybank's Automotive is shown as Petrol (also covers EV charging and car servicing); Commute is shown as Transport (includes Grab and Gojek). Kids & Pets, Sports and Telco & Streaming aren't in Cardinko's categories.

Bonus up to 8% on Malaysian Ringgit and Indonesian Rupiah spend (MYR & IDR bonus category, own cap); Cardinko can't tell currencies apart, so this isn't modelled.

Minimum spend is counted by posting date, not transaction date. 0.3% cashback on AXS bill payments is not modelled.

Caps are per chosen category each month: S$20 at 6%, S$30 at 8%.

Where these facts come from

Maybank Family & Friends Card Cashback Programme T&Cseffective 1 Jan 2026
Maybank Family & Friends Card product page
FAQs: Enhanced Maybank Family & Friends Cardaccurate as at 2 Mar 2026
Maybank credit card fees and chargesFX admin fee with effect from 1 Nov 2021

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