Mastercard · Islamic
MAYBANK · MALAYSIA
Maybank Islamic Nadi Mastercard Credit Card-i
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM0
Fixed profit rate14% p.a.
Google PaySupported
THE DETAILS
Benefit breakdown
Essential card benefits
| Feature | Details |
|---|---|
| Retail financing | Fixed 14% p.a.; non-compounding |
| Cash advances | 14% p.a.; separate withdrawal fee applies |
| Annual fee | No annual fee or fee-waiver spending condition. |
| Rewards | No TreatsPoints or cashback |
Fees & charges
- Principal annual fee
- RM0
- Annual fee waiver
- No annual fee or fee-waiver spending condition.
- Supplementary annual fee
- RM0
- Service tax
- RM25 per physical principal / supplementary card, including each card in a two-card bundle
- Retail profit rate
- 14% p.a., fixed; non-compounding
- Cash advance profit rate
- 14% p.a.
- Cash withdrawal fee
- 2.52% or RM11.65, whichever is higher
- Minimum monthly payment
- 5% outstanding balance or RM25, whichever is higher; additional sums follow the card agreement
- Late payment charge
- 1% unpaid balance; minimum RM10, maximum RM100
- Overseas conversion
- 1.25% network conversion component + 1% bank component
Requirements
- Minimum annual income
- RM24,000
- Product access
- Malaysian applicants; principal cardholders aged 21–65. Published minimum annual income RM24,000; approval remains subject to assessment.
- Documents
- Identity / passport and income evidence; self-employed applicants also need business registration and bank / tax records.
- Principal age
- 21–65 years
- Credit limit ceiling
- Lower of RM20,000 or twice monthly income
Payment plans
EzyPay Plus /-i
| Tenure | Rate / charge | Minimum conversion |
|---|---|---|
| 6 months | 9% p.a. flat / 0.75% monthly | RM500 |
| 12 months | 9% p.a. flat / 0.75% monthly | RM500 |
| 18 months | 9% p.a. flat / 0.75% monthly | RM3,000 |
| 24 months | 9% p.a. flat / 0.75% monthly | RM5,000 |
Maximum RM30,000 or available limit. Apply before statement date. This is purchase conversion, separate from merchant 0% EzyPay. The quoted flat rate differs from the effective annual rate.
Nadi internal balance transfer
| Facility | Pricing | Limit |
|---|---|---|
| One-time transfer of eligible Maybank unpaid retail purchases | 14% p.a. | Up to Nadi credit limit |
Existing cash advances and accrued profit are excluded. Request through Maybank.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.