Maybank Horizon Visa Signature Card — Up to 2.8 mpd Travel
Maybank Horizon Visa Signature Card earns up to 2.8 mpd on travel, up to 2.8 mpd on foreign currency, up to 1.2 mpd on groceries, up to 1.2 mpd on dining, up to 1.2 mpd on shopping & online, up to 1.2 mpd on taxi, and up to 1.2 mpd on petrol — on the max tier. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 5 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| Dining | 1.2 mpd | 360 |
| Groceries | 1.2 mpd | 240 |
| Shopping & online | 1.2 mpd | 720 |
| All other categories (base rate) | 0.4 mpd | 400 |
| Monthly miles | 1,720 | |
| Annual miles | 20,640 | |
Earning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •0.4 mpd base rate on all eligible spend
- S$0+/mo tier:
- •1.2 mpd on Travel — On air tickets, travel-related expenses, and hotel bookings.
- •1.2 mpd on Foreign currency — Foreign currency spend.
- •1.2 mpd on Groceries — Supermarkets and food delivery.
- •1.2 mpd on Dining — Any dining.
- •1.2 mpd on Shopping & online — Retail purchases (both online and in-person)
- •1.2 mpd on Taxi — On private commute (Grab, Gojek, Tada, etc.)
- •1.2 mpd on Petrol — Fuel purchases.
- S$800+/mo tier:
- •2.8 mpd on Travel (capped at 16,000 mi/mo) — On air ticket purchases, capped at 40,000 bonus TREATS Points per calendar month.
- •2.8 mpd on Foreign currency — On foreign currency spend.
- •1.2 mpd on Groceries — Supermarkets and food delivery.
- •1.2 mpd on Dining — Any dining.
- •1.2 mpd on Shopping & online — Retail purchases (both online and in-person)
- •1.2 mpd on Taxi — On private commute (Grab, Gojek, Tada, etc.)
- •1.2 mpd on Petrol — Fuel purchases.
- •Uncapped — no monthly cap on total miles earned
- •Annual fee: S$196.20 (Waived for first 3 years. Then waived with a min spend of S$18,000/yr)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Caltex Fuel Discount
Enjoy 20.05% fuel savings plus 3X TREATS Points at Caltex stations when linked to a Diamond Sky Fuel Card.
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Must link Diamond Sky Fuel Card to the Maybank Horizon Visa Signature Card.
- Complimentary Airport Lounge Access
Access selected VIP airport lounges.
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Requires a minimum retail spend of S$1,000 in a single receipt within 3 months prior to the date of lounge use.
- Complimentary Travel Insurance
Up to S$1,000,000 complimentary travel insurance coverage.
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Must charge travel fares in full to the card.
- Visa Concierge
Access to Visa Concierge services and privileges.
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Available to Visa Signature cardholders.
- Annual fee
- S$196.20Waived for first 3 years. Then waived with a min spend of S$18,000/yr
- Annual fee waiver
- S$18,000 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$30,000 for Singapore Citizens or Singapore Permanent Residents S$45,000 for Malaysia Citizens, in employment for at least 1 year S$60,000 for Foreigner, in employment for at least 1 year
- •Earns 2.8 miles per dollar on travel (air tickets) and foreign currency spend when monthly spend reaches S$800.
- •Annual fee of S$196.20 is waived for the first 3 years, then waived with a minimum annual spend of S$18,000.
- •Includes complimentary travel insurance coverage of up to S$1,000,000 when travel fares are charged in full to the card.
- •Provides complimentary airport lounge access to selected VIP lounges with a qualifying minimum retail spend of S$1,000 in a single receipt within 3 months prior to lounge use.
- •Offers 20.05% fuel savings plus 3X TREATS Points at Caltex stations when the card is linked to a Diamond Sky Fuel Card.
- •The elevated 2.8 mpd rate on travel and foreign currency spend requires a minimum monthly spend of S$800 to unlock; below this threshold, these categories earn only 1.2 mpd.
- •Miles earned expire after 12 months.
- •Insurance, medical, education, rentals, and professional services earn a reduced rate of 0.16 mpd, capped at 480 miles per month.
- •A broad list of merchants and categories (including utilities, SimplyGo, Singtel Dash, and several named platforms) are excluded from earning rewards.
- •Foreign currency transactions carry a fee of 3.25% of the transaction amount.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the Maybank Horizon Visa Signature Card.
- •Money Transfer
- •Cash Disbursement/Quasi-cash/Top-ups
- •Cleaning, Maintenance & Janitorial Services
- •Utilities
- •BAGUS
- •CANTINE
- •INSTAREM
- •RAZERPAY
- •SEDAP
- •SGEBIZ
- •SIMPLYGO
- •SINGAPORE E-BUSINESS
- •SINGTEL DASH
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 Horizon Visa Signature Card
The Maybank Horizon Visa Signature Card is a tiered miles card from Maybank. Base-tier earning is 0.4 mpd on every eligible dollar. At its top qualifying tier (S$800/mo+), the card reaches up to 2.8 mpd on travel, 2.8 mpd on foreign currency, 1.2 mpd on groceries, 1.2 mpd on dining, and 1.2 mpd on shopping & online. Tiered miles cards in Singapore typically gate their higher mpd rates behind a monthly qualifying-spend threshold — falling short drops earning back to the base rate for that statement cycle. The annual fee is S$196.20 (Waived for first 3 years. Then waived with a min spend of S$18,000/yr). Terms and conditions apply.
Miles breakdown
At the base tier, the Maybank Horizon Visa Signature Card earns 0.4 mpd on every eligible dollar. From S$0/mo qualifying spend, the card earns 1.2 mpd on travel, 1.2 mpd on foreign currency, 1.2 mpd on groceries, 1.2 mpd on dining, 1.2 mpd on shopping & online, 1.2 mpd on taxi, and 1.2 mpd on petrol. From S$800/mo qualifying spend, the card earns 2.8 mpd on travel, 2.8 mpd on foreign currency, 1.2 mpd on groceries, 1.2 mpd on dining, 1.2 mpd on shopping & online, 1.2 mpd on taxi, and 1.2 mpd on petrol. Use the simulator above to see your projected annual miles at your spend level.
Where this card earns the most
The Maybank Horizon Visa Signature Card is built for consolidated monthly spend — its bonus rates only unlock once qualifying spend crosses a tier threshold. At its peak tier (S$800/mo+), the calculator returns higher projected annual miles for travel, foreign currency, groceries, dining, shopping & online, taxi, and petrol spend than for cards without those bonuses. Below the lowest tier (S$0/mo), every eligible dollar earns the 0.4 mpd base rate.
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Frequently asked questions
Is the Maybank Horizon Visa Signature Card worth it?
The Maybank Horizon Visa Signature Card earns 0.4 mpd on general spend and up to 2.8 mpd on foreign currency and 2.8 mpd on travel, with a S$196.20 annual fee (waived above S$18,000 a year in spend). Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the Maybank Horizon Visa Signature Card for?
The Maybank Horizon Visa Signature Card suits overseas spenders, frequent diners, and household and grocery spenders — it earns up to 2.8 mpd on foreign currency, 1.2 mpd on dining, and 1.2 mpd on groceries. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with airport lounge access and travel insurance.
How many miles does the Maybank Horizon Visa Signature Card earn?
The Maybank Horizon Visa Signature Card has 3 earning tiers in total. At the base tier, every eligible dollar earns 0.4 mpd. From S$0/mo qualifying spend, the card earns 1.2 mpd on travel, 1.2 mpd on foreign currency, 1.2 mpd on groceries, 1.2 mpd on dining, 1.2 mpd on shopping & online, 1.2 mpd on taxi, and 1.2 mpd on petrol. From S$800/mo qualifying spend, the card earns 2.8 mpd on travel, 2.8 mpd on foreign currency, 1.2 mpd on groceries, 1.2 mpd on dining, 1.2 mpd on shopping & online, 1.2 mpd on taxi, and 1.2 mpd on petrol.
What is the spend tier on the Maybank Horizon Visa Signature Card?
Once your total monthly spend reaches S$0.00, the card unlocks higher mpd rates on the bonus categories (Base Tier). Below the threshold, the card earns at the base tier.
Can the annual fee be waived?
Yes. The S$196.20 annual fee is waived for cardholders who spend at least S$18,000.00 in a card year.
How does miles redemption work?
The Maybank Horizon Visa Signature Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Do miles from the Maybank Horizon Visa Signature Card expire?
Yes. Miles earned on the Maybank Horizon Visa Signature Card are valid for 12 months from the date they are credited, after which they expire. Redeeming or transferring them before that window closes preserves their value. Terms and conditions apply.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 5 Jul 2026, not guarantees of future earning. 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.
Maybank governing terms: Official terms (PDF)