Maybank Horizon Visa Signature — 2.8 mpd on FCY & Travel
A travel-oriented miles card offering 2.8 mpd on foreign currency, air tickets, and Agoda, anchored by a minimum S$800 monthly spend.
Maybank Horizon Visa Signature
Maybank
Annual Fee
S$196.20
Minimum Income
S$30,000
Key Conditions
- •2.8 mpd on foreign currency and specific travel categories
- •Requires a minimum total monthly spend of S$800 to unlock bonus rates
- •1.2 mpd base rate on other local spend
- •Excellent 3-year annual fee waiver
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View card details → [Affiliate]Earning Rates
mpd = miles per dollar spentCard information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| Foreign CurrencyOverseas spend (min $800/month spend across all categories) | 2.8 mpd |
| TravelAir tickets & Agoda (min $800/month spend) | 2.8 mpd |
| All other spend | 1.2 mpd |
Set your spend per category. Caps applied automatically.
Total
S$2,950
Reachable destinations (economy, one-way)
Maybank Horizon Visa Signature vs Citi PremierMiles vs DBS Altitude Visa Signature
| At S$3,000/mo | Maybank Horizon Visa Signature | Citi PremierMiles | DBS Altitude Visa Signature |
|---|---|---|---|
| Annual miles | 54,720 | 78,480 | 56,160 |
| Dining | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| Groceries | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| Transport | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| Online | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| Travel | 840 (2.8 mpd) | 3,000 (10 mpd) | 900 (3 mpd) |
| Contactless | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| Overseas | 840 (2.8 mpd) | 660 (2.2 mpd) | 660 (2.2 mpd) |
| bills | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| insurance | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| general | 360 (1.2 mpd) | 360 (1.2 mpd) | 390 (1.3 mpd) |
| Annual fee | S$196.2 | S$196.2 | S$196.2 |
| Min income | S$30,000 | S$30,000 | S$30,000 |
Based on publicly listed rates as of April 2026.
About Maybank Horizon Visa Signature
The Maybank Horizon Visa Signature carves out a strong niche with 2.8 miles per dollar on foreign currency, airline tickets, and Agoda bookings. To activate this rate, cardholders must hit a minimum total monthly spend of S$800 across all categories; otherwise, foreign spend defaults to the baseline 1.2 mpd. It uniquely offers a 3-year annual fee waiver, making it a low-risk addition to a wallet. Cardholders who anticipate occasional foreign trips and can reliably cross the S$800 threshold find excellent value here.
Key Features
- •2.8 miles per dollar on overseas spend, air tickets, and Agoda
- •1.2 miles per dollar base rate on other local general spend
- •Minimum S$800 monthly spend across all categories to unlock the 2.8 mpd rate
- •Free airport lounge access conditionally available
- •3-year automatic annual fee waiver
Miles Earning Breakdown
On a S$3,000 monthly spend involving S$1,000 on foreign currency/travel (2.8 mpd) and S$2,000 on local general spend (1.2 mpd), the card could yield approximately 5,600 miles. Because crossing the S$800 minimum spend requirement is imperative, failing to do so in lower expenditure months would drop the same spend profile to 3,600 miles (all at 1.2 mpd). Knowing your monthly burn rate is essential before committing to this card for upcoming travels.
Maybank Horizon Visa Signature vs Citi PremierMiles vs DBS Altitude Visa Signature
When put against the Citi PremierMiles, which offers 2.2 mpd on foreign currency without a minimum spend requirement, the Maybank Horizon feels slightly restrictive but offers a much more generous 3-year fee waiver vs Citi's typical first-year waiver. Relative to the DBS Altitude, which provides 2 mpd on overseas transactions, the Maybank significantly outperforms on foreign soil given the S$800 hurdle is cleared.
Where Does Maybank Horizon Visa Signature Earn the Most?
Overseas transactions and flight bookings provide the bulk of miles accumulation power for this card. General local spending serves predominantly to pad the S$800 minimum monthly requirement, after which point you're earning a standard 1.2 mpd.
Frequently Asked Questions
What happens if I spend only S$799 in a given month?
Your foreign currency and air ticket spend will only earn the base 1.2 mpd rate instead of the bonus 2.8 mpd rate.
Does it come with complimentary airport lounge access?
Yes, but it is highly conditional. Complimentary lounge access requires you to charge an air ticket or travel package of at least S$1,000 in a single transaction within 3 months prior to travel.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.