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Maybank World Mastercard
Miles card by Maybank · Many hurdles · Min from S$800 a month
Earns 0.4 mpd on all spend in S$. Annual fee: S$261.60, 1st year free.
Checked against Maybank's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Foreign spend with S$4,000 spend in the month (8X) | Any way of paying | 3.2 mpd needs S$4,000 spend · foreign currency only |
| Foreign spend with S$800 spend in the month (7X) | Any way of paying | 2.8 mpd needs S$800 spend · foreign currency only |
| Everything else, in S$ | Any way of paying | 0.4 mpd |
| Everything else, in a foreign currency | Any way of paying | 0.4 mpd |
The bank's full earning rules
- Local and foreign spend: 1X TREATS Points (0.4 mpd) below S$800 retail spend in the calendar month.
- S$800 or more in the month: foreign spend earns 7X (2.8 mpd). S$4,000 or more: foreign spend earns 8X (3.2 mpd). Local spend stays at 1X.
- 10X (4 mpd) only at designated 10X TREATS Points Merchants listed at maybank.sg/wmc; not for online transactions; cannot be combined with other offers.
Earns nothing on
- NETS and eNETS; government and government-related payments; betting or gambling, brokerage or securities, charitable, religious or…
- MCCs 6012, 6050, 6051, 6529, 6530, 6540, 4829, 6534, 6010, 6011, 7511, 4900, 7349
- AXS and SAM; FlexiCash, FlexiPay, 0% instalment plans, fund transfers, cash advances, fees, reversals, interest
- Payments to listed prepaid accounts or merchants such as EZ-Link, PayPal, Skrill, Razer Pay
Fees and limits
Good to know
Foreign spend: 2.8 mpd (7X) with S$800 retail spend in the calendar month and 3.2 mpd (8X) with S$4,000 (the app assumes the minimum is met). Below S$800 everything earns 0.4 mpd.
The 10X (4 mpd) rate applies only at Maybank's list of designated merchants (maybank.sg/wmc), never online. That list is not in the terms, so it is not modelled and the app will understate those purchases.
Annual fee S$261.60 (first year waived, then waived with S$24,000 spend). Minimum income S$80,000.
Where these facts come from
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