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Maybank Horizon Visa Signature

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

Earns 1.2 mpd on local dining, delivery, supermarkets, transport, petrol, retail, hotels and travel. Everything else in S$ earns 0.4 mpd. Annual fee: S$196.20, 3 years free.

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Best rate1.2 mpdLocal dining, delivery, supermarkets…

Everything else0.4 mpdin S$

Bonus capNo cap

Annual feeS$196.203 years free

Checked against Maybank's own terms on 2 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Foreign currency spend (with S$800 retail spend in the month)	Any way of paying	2.8 mpd needs S$800 spend · foreign currency only
Local dining, delivery, supermarkets, transport, petrol, retail, hotels and travel	Any way of paying	1.2 mpd
Everything else, in S$	Any way of paying	0.4 mpd
Everything else, in a foreign currency	Any way of paying	1.2 mpd

The bank's full earning rules

3X TREATS Points (1.2 mpd) on local Supermarkets, Dining and Food delivery; Transport and Petrol; Department and Retail Stores; Hotels; Cruise, Travel Packages and Car Rental.
Air tickets (MCC 4511, 3000–3350) and foreign currency spend: 7X (2.8 mpd) when you spend S$800 on retail transactions in the calendar month; otherwise 3X (1.2 mpd).
Air ticket bonus cap: 40,000 bonus TREATS Points per calendar month (S$10,000 spend).
Selected Categories (insurance, medical, education, rentals, professional services): 2 TREATS Points per S$5, capped at 1,200 points a month; they don't count towards S$800.
All other spend: 1X TREATS Points (0.4 mpd).

Where the bonus applies

Supermarkets, dining and food delivery: MCC 5411, 5441, 5462, 5499, 5811–5814
Transport and petrol: 4011, 4111, 4112, 4121, 4131, 4214, 4215, 4789, 5172, 5541, 5542, 5552, 8699
Department and retail stores: 4816, 5045, 5262, 5309–5311, 5331, 5399, 5611–5699, 5732–5735, 5912, 5942, 5944–5949, 5964–5970, 5977, 5992, 5999
Hotels: 7011, 3501–3999; cruise, travel packages and car rental: 3351–3500, 4411, 4722
Air tickets: 4511, 3000–3350

Earns nothing on

Excluded Transactions under Maybank's general TREATS Points T&Cs

Fees and limits

Annual feeSGD 196.20 incl. GST, waived for the first 3 years; then waived with S$18,000 spend a year. Supplementary cards free.

Minimum incomeSGD 30,000 (Singaporeans/PRs); SGD 45,000 (Malaysians employed 1+ year); SGD 60,000 (other foreigners).

Overseas feeUp to 3.25% on foreign-currency transactions (2.25% Maybank administrative fee + up to 1% Visa/Mastercard); up to 1% on SGD transactions processed overseas.

Rewards expiryTREATS Points expire one year from the quarter they were earned (Maybank TREATS T&Cs).

Turning rewards into miles or cashMaybank advertises 3X TREATS Points as 1.2 air miles and 7X as 2.8 air miles per S$1. Conversion fee S$27.25 incl. GST.

Good to know

Only the listed local categories earn 1.2 mpd (3X); all other local spend earns 0.4 mpd (1X).

Foreign currency and air tickets earn 2.8 mpd (7X) only when you spend S$800 on retail transactions in the calendar month; otherwise 1.2 mpd. Air tickets in SGD aren't separated from hotels in Cardinko, so they show at 1.2 mpd.

Insurance, medical, education, rentals and professional services earn 2 TREATS Points per S$5 (0.16 mpd, capped at 1,200 points a month) and don't count towards S$800.

Where these facts come from

Maybank Horizon Visa Signature TREATS Points T&Cseffective 1 Dec 2025

Maybank Horizon product page

Maybank Personal Credit Card Agreementinformation correct as at 1 Jan 2026

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