Maybank Credit Card Singapore 2026: Best Cards Compared

Cashback, miles, rewards — find the right Maybank card for your lifestyle.

Maybank offers several credit cards in Singapore targeting everyday spend, dining, and lifestyle rewards. The Horizon Platinum Visa is the flagship card with up to 1.6% cashback on local spend, while the no-fee Visa Platinum suits budget-conscious users. Whether you want cashback, air miles, or sports-themed perks, there’s a Maybank credit card that fits.

Not financial advice. All figures are for educational reference only. Data as at June 2026 unless noted.

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Maybank Credit Cards Overview

Maybank is one of Southeast Asia’s largest banks, and its Singapore credit card lineup is focused on everyday value. Unlike some banks with dozens of cards, Maybank keeps its range lean. You get a small selection of cards, each with a clear purpose.

The core cards available as at June 2026 are: the Horizon Platinum Visa (flagship cashback), Visa Platinum (no-fee entry card), FC Barcelona Visa, Manchester United Visa, and Islamic Visa Platinum. All cards are issued under Visa and carry no foreign transaction fee perks — you pay the standard 1.8%–2.5% forex surcharge on overseas spend.

Maybank’s cards are best suited to Singapore residents who do most of their spending locally. If you travel heavily or prioritise air miles, you may find better value with DBS Altitude, OCBC 90°N, or Citi PremierMiles.

Horizon Platinum Visa: Best for Cashback

The Maybank Horizon Platinum Visa is the standout card in the range. It gives you 1.6% cashback when you spend at least S$300 per month across dining, petrol, and taxi/ride-hailing — categories that most Singaporeans hit easily. Below S$300 monthly spend, the rate drops to 0.3%.

There’s also a 0.3% cashback on all other eligible retail spend regardless of your monthly total. The card has a S$180 annual fee, waived in the first year. To keep the fee waived in subsequent years, you need to meet a minimum spend (check with Maybank directly for the current waiver threshold).

For a Singapore household spending S$600 a month on dining and petrol, you’d earn roughly S$9.60 in cashback per month — or about S$115 per year before accounting for the annual fee. That’s a modest return, but competitive for a card in this tier.

Source: Maybank Singapore, June 2026

Visa Platinum: Best No-Fee Card

The Maybank Visa Platinum is a no-annual-fee card — perpetually waived, not just for the first year. That makes it one of the few truly free credit cards in Singapore. It’s also accessible to lower-income earners: the minimum annual income requirement is S$18,000, which is lower than many competitors.

The trade-off is a lower rewards rate. You earn TREATS points at 1 point per S$1 spent. TREATS points can be redeemed for vouchers, miles, or cashback, but the effective return rate works out to roughly 0.4%–0.5% — not spectacular. Still, for a card with zero fees, it’s a reasonable holder card or secondary card in your wallet.

If you’re looking to maximise passive income from your savings while keeping costs low on your credit card, you can pair the Visa Platinum with a high-interest digital bank account like moomoo Singapore for a good overall financial setup.

FC Barcelona & Manchester United Cards

The FC Barcelona Visa and Manchester United Visa are co-branded lifestyle cards. They come with themed designs and tie-in perks like match ticket priority access and merchandise discounts. Beyond the branding, both cards have similar terms: 1 TREATS point per S$1 spent, a S$120 annual fee waived in the first year, and a S$30,000 minimum income requirement.

Honest assessment: these cards make sense if you’re a die-hard fan who values the club perks. For pure financial returns, you’d do better with the Horizon Platinum or another bank’s rewards card. Think of them as lifestyle cards, not optimised financial tools.

Full Card Comparison Table

Here’s how all the main Maybank credit cards stack up side by side. Use this as your reference when deciding which to apply for.

Source: Maybank Singapore, June 2026

Eligibility & How to Apply

Most Maybank credit cards require a minimum annual income of S$30,000 for Singapore Citizens and Permanent Residents. The Visa Platinum and Islamic Visa Platinum have a lower bar at S$18,000. For foreigners, the threshold is typically S$45,000 or higher — confirm with Maybank directly.

You can apply online via Maybank’s website or at any Maybank branch. The application usually takes 7–14 working days for approval. Approval is subject to your credit score as assessed by CBS (Credit Bureau Singapore). If you’re new to credit, consider a secured credit card first — like the Maybank Secured Card — to build your history before upgrading.

Documents typically required: NRIC (or passport for foreigners), latest 3 months’ payslips or latest CPF contribution statement, and your income tax Notice of Assessment (NOA) if self-employed.

Maybank vs Other Banks’ Credit Cards

How does Maybank stack up against the major competitors? Here’s an honest look at where Maybank cards win — and where they fall short.

Source: Bank websites, June 2026. Rates depend on spend categories and minimum spend thresholds.

The reality is clear: Maybank’s cashback rates are modest compared to DBS, OCBC, and UOB’s flagship cards. However, Maybank wins on simplicity — fewer hoops, no complicated tiered spend requirements, and a clear no-fee option. If you’re looking for a reliable digital bank with high savings rates to pair with your credit card strategy, check out our credit card deals Singapore guide for more comparisons.

For a broader view of where to park your emergency fund while earning more interest, the Singapore retirement calculator can help you model your long-term financial plan alongside your card spending strategy.

Which Maybank Card Should You Get?

Here’s the simple guide to picking the right Maybank card for you:

Get the Horizon Platinum Visa if: You spend at least S$300/month on dining, petrol, or ride-hailing. It’s the best Maybank card for cashback rewards by a clear margin. The S$180 annual fee is reasonable if you’re hitting the 1.6% tier consistently.

Get the Visa Platinum if: You want a zero-fee card, you have a lower income (S$18k threshold), or you need a reliable backup card that costs you nothing. It’s also great as a first credit card for young adults building their credit history.

Get the FC Barcelona or Manchester United Visa if: You’re a genuine fan and value the club-specific perks more than raw cashback. Don’t get these for the financial returns alone — they’re comparable to the Visa Platinum but with an annual fee.

Skip Maybank altogether if: You spend more than S$1,500/month and want to maximise rewards. Cards like UOB One, OCBC 365, or Citi Cashback offer significantly higher returns for heavy spenders. You might also consider pairing a travel credit card with a cashback card for different spend categories. For investing the money you save, platforms like Syfe offer low-cost robo-advisory services to put your cashback to work.

Not financial advice. All figures are for educational reference only. Always verify current terms directly with Maybank Singapore before applying.

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