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Maybank XL Rewards
Miles card by Maybank · Some effort · Min S$500 a month
Earns 4 mpd on dine, Shop, Travel and Play categories. Everything else in S$ earns 0.4 mpd. Annual fee: S$87.20, 2 years free.
Checked against Maybank's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Foreign currency spend | Any way of paying | 4 mpd foreign currency only |
| Dine, Shop, Travel and Play categories | Any way of paying | 4 mpd |
| Everything else, in S$ | 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
- Base: 5 TREATS Points per S$5 (1X, 0.4 mpd) on other eligible spend.
- Bonus: 10X TREATS Points (4 mpd) in the five Rewards Categories: Dine, Shop, Travel, Play and Foreign Spend.
- Minimum spend: S$500 of Eligible Transactions on the card in the calendar month, including bonus and non-bonus categories.
- Bonus cap: 10,000 TREATS Points per calendar month (15,000 for new cardmembers in the Jul–Sep 2026 promotion, for 4–6 months).
- Points are awarded per S$5 block per transaction, rounded down.
Where the bonus applies
- Dine: restaurants, fast food and food delivery, bakeries (MCC 5811, 5812, 5814, 5462)
- Shop: marketplaces (5262), discount, department and variety stores (5310, 5311, 5331, 5399), apparel and shoes (5621, 5631, 5651, 5655, 5661, 5691, 5699), sporting goods (5941)
- Travel: airlines (3000–3308, 4511), travel agencies (4722), hotels (7011)
- Play: cable and streaming (4899), bars (5813), digital goods (5815), cinemas (7832), arcades and amusement (7993, 7994)
- Foreign Spend: overseas or online transactions in foreign currency
Earns nothing on
- NETS and eNETS transactions
- Government payments
- Gambling
- Securities and investments
- Charitable organisations
See all 11
- NETS and eNETS transactions
- Government payments
- Gambling
- Securities and investments
- Charitable organisations
- Utilities
- Insurance (except Etiqa)
- MCCs 4829, 6010, 6011, 6012, 6050, 6051, 6529, 6530, 6534, 6540, 7511
- AXS and SAM payments, FlexiCash
- Top-ups to prepaid accounts
- Others at Maybank's discretion
Fees and limits
Good to know
No bonus unless you spend at least S$500 of eligible spend on the card in the calendar month (bonus and non-bonus spend both count).
Cap is 10,000 bonus TREATS Points per calendar month; Cardinko treats this as S$1,000 of bonus spend. New cardmembers approved 1 Jul – 30 Sep 2026 get a 15,000-point cap for 4–6 months.
Points are awarded per S$5 block of each transaction, rounded down.
Where these facts come from
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