Maybank Family & Friends Card — Up to 8% Dining, Transport & more
Earns up to 8% on petrol & services, up to 8% on dining & food delivery, up to 8% on kids & pets, up to 8% on online shopping, up to 8% on telco & streaming, up to 8% on beauty & wellness, up to 8% on commute, up to 8% on entertainment, up to 8% on groceries, and up to 8% on sports & sports apparels — on the max tier. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Dining & Food Delivery | 8% | S$24 |
| Groceries | 8% | S$16 |
| Online Shopping· 63% of shopping & online· capped | 5% | S$30 |
| All other categories (base rate) | 0.22% | S$3 |
| Monthly cashback | S$73 | |
| Annual cashback | S$872 | |
You earn the bonus on 5 categories you choose — this projection assumes your top-earning 5 for this spend; the rest earn the 0.22% base rate.
Merchant coverage applied — tune the percentages in “Adjust merchant coverage” under Your monthly spending.
Get a Samsonite RESTACKD Spinner 68/25 EXP (worth S$520) with 2 packing cubes when you apply for a new Maybank Credit Card and spend min. S$1,300 within the first 2 months of card approval.
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Only applicable for new-to-bank card applicants. Apply for a new Maybank Credit Card (not applicable for Maybank XL Credit Cards) and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
The information above is a summary and may be incomplete or outdated. Always refer to Maybank's official terms and conditions for the authoritative version.
Terms and conditionsopen_in_new
Applyopen_in_new- •You must select your preferred categories (up to 5) each month to earn the elevated cashback rates.
- •0.22% base rate on all eligible spend
- S$800+/mo tier:
- •6% on Petrol & services (capped at S$20/mo) — Petrol stations, EV charging, and automotive related services globally.
- •6% on Dining & Food Delivery (capped at S$20/mo) — Restaurants, fast food eateries, Foodpanda and Deliveroo globally.
- •6% on Kids & Pets (capped at S$20/mo) — POPULAR, Toys 'R' Us, Yamaha Music, Mothercare, Kiddy Palace, pets and veterinary related services globally.
- •6% on Online Shopping (capped at S$20/mo) — Online purchases on marketplace, apparels, shoes, accessories, leather goods, luggage and other fashion purchases globally.
- •6% on Telco & Streaming (capped at S$20/mo) — StarHub, Singtel, M1 Limited, Circles.Life, MyRepublic, Disney+, Netflix and other telecommunication, pay television, cable and radio services globally.
- •6% on Beauty & Wellness (capped at S$20/mo) — Massage parlors, health & beauty spas and barber shops globally.
- •6% on Commute (capped at S$20/mo) — Contactless bus and train rides, limousines, taxi, Grab/GOJEK rides and other passenger transportation services globally.
- •6% on Entertainment (capped at S$20/mo) — Bars, drinking places, cinemas, motion picture theatres, theatrical producers and ticketing agencies globally.
- •6% on Groceries (capped at S$20/mo) — All grocery stores and supermarkets globally. Capped at 6% regardless of tier.
- •6% on Sports & Sports Apparels (capped at S$20/mo) — Sports/riding apparels, sporting goods, bicycle shops, recreation & sporting camps, golf courses, country clubs and sports memberships globally.
- •6% on MYR & IDR Spend (capped at S$20/mo) — Eligible retail transactions in Malaysian Ringgit or Indonesian Rupiah. Automatically included.
- S$1,600+/mo tier:
- •8% on Petrol & services (capped at S$30/mo) — Petrol stations, EV charging, and automotive related services globally.
- •8% on Dining & Food Delivery (capped at S$30/mo) — Restaurants, fast food eateries, Foodpanda and Deliveroo globally.
- •8% on Kids & Pets (capped at S$30/mo) — POPULAR, Toys 'R' Us, Yamaha Music, Mothercare, Kiddy Palace, pets and veterinary related services globally.
- •8% on Online Shopping (capped at S$30/mo) — Online purchases on marketplace, apparels, shoes, accessories, leather goods, luggage and other fashion purchases globally.
- •8% on Telco & Streaming (capped at S$30/mo) — StarHub, Singtel, M1 Limited, Circles.Life, MyRepublic, Disney+, Netflix and other telecommunication, pay television, cable and radio services globally.
- •8% on Beauty & Wellness (capped at S$30/mo) — Massage parlors, health & beauty spas and barber shops globally.
- •8% on Commute (capped at S$30/mo) — Contactless bus and train rides, limousines, taxi, Grab/GOJEK rides and other passenger transportation services globally.
- •8% on Entertainment (capped at S$30/mo) — Bars, drinking places, cinemas, motion picture theatres, theatrical producers and ticketing agencies globally.
- •8% on Groceries (capped at S$30/mo) — All grocery stores and supermarkets globally. Capped at 6% regardless of tier.
- •8% on Sports & Sports Apparels (capped at S$30/mo) — Sports/riding apparels, sporting goods, bicycle shops, recreation & sporting camps, golf courses, country clubs and sports memberships globally.
- •8% on MYR & IDR Spend (capped at S$30/mo) — Eligible retail transactions in Malaysian Ringgit or Indonesian Rupiah. Automatically included.
- •Total monthly cashback cap ranges from S$120 (base tier) to S$180 (top tier)
- •Annual fee: S$196.20 (First 3 years waived. Supplementary card is free. Subsequent annual fee automatically waived with a minimum spend of S$12,000 yearly.)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Complimentary Travel Insurance
Coverage of up to S$300,000 when travel fares are charged in full to the Maybank Family & Friends Card.
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Travel fares must be charged in full to the card.
- Diamond Sky Fuel Card – Caltex Fuel Savings
Save up to 26.45% on fuel at Caltex by linking a Diamond Sky Fuel Card to the Maybank Family & Friends Card.
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Requires 'Automotive' as one of the selected preferred categories.
- Dining Deals
1-for-1 deals and up to 50% off at more than 100 dining destinations, from cafes to hotel buffets, with the Maybank Family & Friends Card.
- AXS Bill Payment Cashback
0.3% cashback on AXS bill payments with no minimum spend required. Cashback is capped at a maximum bill payment of S$50 per transaction.
- Regional TREATS
Exclusive regional privileges spanning Malaysia, Indonesia, Cambodia and the Philippines, covering dining, shopping and more.
- Annual fee
- S$196.20First 3 years waived. Supplementary card is free. Subsequent annual fee automatically waived with a minimum spend of S$12,000 yearly.
- Annual fee waiver
- S$12,000 annual spend
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 26.9%
- Cash advance interest rate (p.a.)
- 26.9%
- Cash advance service charge
- S$15 or 6% of amount withdrawn, whichever is greater
- Minimum payment
- 3% of outstanding balance or S$20, whichever is higher
- Interest-free period
- 20 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$60,000
- Minimum age: 21
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S$45,000 for Malaysia Citizens, in employment for at least 1 year. Foreigners must be in employment for at least 1 year and provide valid passport, Employment Pass (min. 6 months' validity), utilities bill or bank statement, company letter confirming employment, latest Income Tax Notice of Assessment, and latest computerised payslip.
- •The annual fee of S$196.20 is waived for the first 3 years, and subsequently waived automatically with a minimum annual spend of S$12,000.
- •Earns up to 8% cashback across 11 eligible categories — including Dining, Groceries, Petrol, Online Shopping, Telco & Streaming, and MYR & IDR Spend — when monthly spend reaches S$1,600 or more.
- •Complimentary travel insurance coverage of up to S$300,000 is provided when travel fares are charged in full to the card.
- •The higher cashback rates of 6% and 8% are only unlocked at minimum monthly spends of S$800 and S$1,600 respectively; spend below S$800 earns only the base cashback rate of 0.22%.
- •Monthly cashback is capped at S$120 total (S$20 per category) at Tier 1, and S$180 total (S$30 per category) at Tier 2.
- •A broad range of transaction types are excluded from cashback earning, including utilities, insurance premiums, government payments, NETS/eNETS, betting, and payments to prepaid accounts such as EZ-Link and YouTrip.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the Maybank Family & Friends Card.
- •NETS and eNETS transactions
- •Payments to government or government-related agencies, statutory boards, or for government services (e.g. court fees, fines, bail and bonds, tax payments, postal charges, parking charges, intra-government purchases)
- •Betting or gambling transactions
- •Brokerage/securities transactions
- •Charitable, Religious and Political Organisations
- •Cleaning, Maintenance & Janitorial Services
- •Utilities
- •Payment to insurance companies or for insurance premiums
- •Transactions under MCC 6012, 6050/6051, 6529, 6530, 6540, 4829/6534, 6010/6011, 7511; transactions via AXS or SAM
- •FlexiCash, FlexiPay, 0% Interest Instalment Plans, funds transfers, cash advances, finance charges, late payment charges, annual fees, reversals, interest charges, and other miscellaneous charges
- •Payments to prepaid accounts/merchants (e.g. EZ-Link, SimplyGo, Singtel Dash, YouTrip, Instarem, Razerpay, etc.)
- •Corporate/commercial transactions
The information above is a summary and may be incomplete or outdated. Always refer to Maybank's official terms and conditions for the authoritative version.
About the Maybank Family & Friends Card
The Maybank Family & Friends Card is a tiered cashback card from Maybank. Base-tier earning is 0.22% on every eligible dollar. At its top qualifying tier (S$1,600/mo+), the card reaches up to 8% on petrol & services, 8% on dining & food delivery, 8% on kids & pets, 8% on online shopping, and 8% on telco & streaming. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (First 3 years waived. Supplementary card is free. Subsequent annual fee automatically waived with a minimum spend of S$12,000 yearly.). Terms and conditions apply.
Cashback breakdown
At the base tier, the Maybank Family & Friends Card earns 0.22% on every eligible dollar. From S$800/mo qualifying spend, the card earns 6% on petrol & services, 6% on dining & food delivery, 6% on kids & pets, 6% on online shopping, 6% on telco & streaming, 6% on beauty & wellness, 6% on commute, 6% on entertainment, 6% on groceries, and 6% on sports & sports apparels. From S$1,600/mo qualifying spend, the card earns 8% on petrol & services, 8% on dining & food delivery, 8% on kids & pets, 8% on online shopping, 8% on telco & streaming, 8% on beauty & wellness, 8% on commute, 8% on entertainment, 8% on groceries, and 8% on sports & sports apparels. The total monthly cashback cap shifts between tiers, from S$120.00 at the base tier up to S$180.00 at the top tier.
Where this card earns the most
The Maybank Family & Friends Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$1,600/mo+), the calculator returns higher projected monthly cashback for petrol & services, dining & food delivery, kids & pets, online shopping, telco & streaming, beauty & wellness, commute, entertainment, groceries, and sports & sports apparels spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.22% base rate.
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Frequently asked questions
Is the Maybank Family & Friends Card worth it?
The Maybank Family & Friends Card earns 0.22% cashback on general spend and up to 8% on dining and 8% on groceries, with a S$196.20 annual fee (waived above S$12,000 a year in spend). Bonus rates require at least S$800 in monthly spend and total cashback is capped between S$120 and S$180 per month by tier. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the Maybank Family & Friends Card for?
The Maybank Family & Friends Card suits frequent diners, household and grocery spenders, and online shoppers — it earns up to 8% on dining, 8% on groceries, and 8% on shopping & online. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with travel insurance.
How much cashback does the Maybank Family & Friends Card earn?
The Maybank Family & Friends Card has 3 earning tiers in total. At the base tier, every eligible dollar earns 0.22%. From S$800/mo qualifying spend, the card earns 6% on petrol & services, 6% on dining & food delivery, 6% on kids & pets, 6% on online shopping, 6% on telco & streaming, 6% on beauty & wellness, 6% on commute, 6% on entertainment, 6% on groceries, and 6% on sports & sports apparels. From S$1,600/mo qualifying spend, the card earns 8% on petrol & services, 8% on dining & food delivery, 8% on kids & pets, 8% on online shopping, 8% on telco & streaming, 8% on beauty & wellness, 8% on commute, 8% on entertainment, 8% on groceries, and 8% on sports & sports apparels.
Is there a minimum monthly spend?
There's no single minimum spend — the Maybank Family & Friends Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 6% on petrol & services, 6% on dining & food delivery, 6% on kids & pets, 6% on online shopping, 6% on telco & streaming, 6% on beauty & wellness, 6% on commute, 6% on entertainment, 6% on groceries, 6% on sports & sports apparels, and 6% on myr & idr spend. At S$1,600/mo+ the card unlocks 8% on petrol & services, 8% on dining & food delivery, 8% on kids & pets, 8% on online shopping, 8% on telco & streaming, 8% on beauty & wellness, 8% on commute, 8% on entertainment, 8% on groceries, 8% on sports & sports apparels, and 8% on myr & idr spend. Below the lowest tier, the card earns the base 0.22% rate.
What is the monthly cashback cap?
Total cashback on the Maybank Family & Friends Card is capped per statement month — S$120.00 at the base tier, rising to S$180.00 once the top spend tier is unlocked. Once the active tier's cap is reached, additional eligible spend in the same month does not earn further cashback.
Can the annual fee be waived?
Yes. The S$196.20 annual fee is waived for cardholders who spend at least S$12,000.00 in a card year.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.