Maybank American Express Credit Card:

Annual Fees:-

-Two years fee waived for Classic and Gold only
-Platinum Card Fee not waived – Supplementary, First 2 cards free

Nationality requirement:-
1. Applicable to Malaysians and expatriates only.

Age requirement:-
1. As a principal cardholder, you must be aged between 21 to 65.
2. As a supplementary cardholder, you must be at least 18 years old

REQUIREMENTS DOCUMENT PREPARATION:
Income Earner:
1. Copy of NRIC (both sides) or Passport, including that of requirements document for supplementary applicants as well.
2. Latest Income Tax Return (Form B) or
3. Latest 2 months Salary Slip; and
4. Latest 3 months Savings Account Activity/Current Account document Statement.

Graduate:
1. Copy of NRIC (both sides) or Passport, including that of supplementary applicants document preparation.
2. Letter of employment document
3. Copy of Degree Certificate
4. Latest 2 months Salary Slip
Note: Salary above RM2,000.00 eligible to apply Gold Card and Classic Card RM18k per annum.

Self-Employed:
1. Copy of NRIC (both sides) or Passport, including that of supplementary applicants.
2. Copies of Business Registration (Form B only) or Form 9, 24 & 49 of Company Act.
3. Latest Income Tax Return (B Form); and
4. Latest 3 Months Saving Account Activity/Current Account Statements requirements document. (Personal account and/or Sole Proprietor company’s account)

Expatriate:
1. Copy of Passport, including that of supplementary applicants
2. Letter from employer confirming income and duration of employment contract in Malaysia (contract valid for 2 years upon application received)
3. Applicant must be a Maybank account holder (to open first before submitting application).

Existing Cardhodler from Other Banks (issued more than 1 year)
1. Copy of NRIC (both sides) including supplementary applicants
2. Copy of Credit / Charge card (both sides – to strikeout/cover three digits).
3. Not applicable for expatriates card holder
4. HSBC credit card statement (latest 1 month)

Notes: It is advisable to enlarge NRIC and Credit Card to 150% All documents enclosed, must be verified by Agents with signature, agent’s name and Sales Code/PF No.

Maybank American Express Charge Card

Annual Fee:

-First 3 years fee waiver
-Free laptop bag worth RM200 upon approved and activation of RM50 of card within 1st month upon receive card

REQUIREMENTS DOCUMENT PREPARATION:

Individual Applicant (Salaried Employee):
1. Photocopy of NRIC (both sides) or passport
2. Income Tax Returns (Form B/Latest EA Form)
3. Last 2 months’ payslips
4. Last 3 months’ savings account activity/current account statements

Self-Employed:
1. Copy of NRIC (both sides) or Passport
2. Copies of Business Registration (Form B only) or Form 9, 24 & 49 of Company Act.
3. Latest Income Tax Return (B Form); and
4. Last 3 months’ Saving Account Activity/Current Account Statements. (Personal account and/or Sole Proprietor company’s account)

Expatriate:
1. Copy of Passport
2. Letter from employer confirming duration of employment contract in Malaysia (at least with minimum of 6 months in Malaysia and with contract valid for 2 years upon application received)
3. Last 2 months’ bank statement (local)
4. Applicant must be a Maybank account holder (to open first before submitting application).

Existing Cardholder from Other Banks (issued more than 1 year):
Salaried Employee
1. Copy of NRIC (both sides)
2. Copy of Credit / Charge card (both sides – to strikeout/cover three digits).
3. Last 2 months’ payslip (optional)
4. HSBC credit card statement (latest 1 month)
Self-employed
1. Copy of NRIC (both sides)
2. Copy of Credit / Charge card (both sides – to strikeout/cover three digits).
3. Last 2 months’ bank statement/3 months’ saving account (or fixed deposit certificate)
4. HSBC credit card statement (latest 1 month)

Notes:
It is advisable to enlarge NRIC and Credit Card to 150%. All documents enclosed, must be verified by Agents with signature, agent’s name and Sales Code/PF No.
Personal reference, no address, telephone number, relationship (only relative, friends/boss not allowed, address different from home).

Common error:

• Missing information on application (blank)
• Preference of Card not indicated
• Full name as per NRIC Residence address, number of years
• Employment information, designation, years employed, income
• Married but spouse info not provided
• Personal reference, no address, telephone number, relationship (only relative, friends/boss not allowed, address different from home).
• Collection of cards, not advised.

Remember that preparation and submit the correct requirements document is the factor to increase your approval chance from the bank

If you enjoyed this post, please consider to leave a comment or subscribe to the feed and get future update delivered to your feed reader or mailbox.

1)NRIC Copy

• Clear I/C copy (with chip or bar code) in full page-photocopy on the centre of page or enlarge it.( Not for I/C with bar code as they need to scan it)
• Name, old & new I./C no. and address must be readable
• When the original copy I/C is blur please substantiate with driving license or passport copy
• If customer provide army or police identity card, please provide additional doc such as driving license or birth cert to proof billing address or D.O.B ( not required if the identity card already have D.O.B)
• For foreigners, must provide valid passport copy
• Temporary I/C will be accepted provided the validity date is not expired (while waiting for the replacement card)
• For old I/C proof, credit will accept driving license

2)Pay Slip

• Must be latest last 2 months
• 2 months pay slip is required for basic less than RM1.5M and less than RM2M for applicant working in Singapore.
• To proof fixed allowances, must be shown on 3 months pay slip
• Pay slip without EPF contribution will be rejected
• Ensured net pay is above RM700 (after deduction) and basic is not paid by hours
• If the pay slip is bi-monthly, ensured full month pay slip is provided
• When the basic shown is not in round figure or pro-rated, suggest to provide 1 more month pay slip or appointment letter to confirm the basic salary.
• If the company name shown in the pay slip is a mother company or HR centre please indicate remark.
• Company name, customer name, I/C no.,salary & deduction amount, date in the pay slip must be clear and readable.
• For E-pay slip, please follow the E-pay slip guideline

3)EA Form

• EA/IRD must be latest
• Date issued of IRD form must be within 1 year from application date
• Ensure all details such as name, I/C no, address, income is the same as the application form. If differ please remark.
• If the position differs from EA, please provide letter to confirm current position.
• E-EA will not be accepted EXCEPT for Maybank staff. Must support with payslip

4)EPF / E-Kiosk

• EPF / E-Kiosk( with my-kad) statement within 12 months is acceptable
• Name, I/C no. and billing address must match with I/C and current billing address, if differ please indicate remark.
• Ensure the last 3 months contribution amount tallies with the last 3 months pay slip.
• EPF statements obtained from either E-Kiosk/Counter are allowed provided it is original.

5)Saving Account/Current

• Must enclose saving account front page and latest 3 months salary credited-showing last 3 months transactions and evidencing salary credited; cash bank-in is not accepted
• Name and NRIC no. on the front page of saving account as per NRIC.
• The amount credited must tally with the last 3 months net pay from pay slip.If the amount is the same for the last 3 months, 1 month pay slip is sufficient.
• Refer to the salary credited date to confirm the last 3 months statement required

6)Company Bank Statement

• 3 months bank statement with borang B/submission receipt
• 6 months bank statement without borang B
• Latest 3 months with credit turnover of > RM10M for sole proprietor
• Partnership will based on average RM10M turnover per partner per month.
• Refer to statement date to confirm the last 3 months bank statement required

7)Others Bank Card Statement

• Ensure prompted card is more than 18 months for others bank credit card and for Amex is 10 months and Diners is 12 months.
• Must provide front copy of card
• When the card copy is not clear, can substantiate with latest 1 month card statement
• When the embossing name on the prompted card is differ with applicant’s name, card statement is required.

IMPORTANT: For PROMPT application, please ensure the prompt card details (card number & member since) are written on the card document (compulsory)

8)Business Registration Certificate

• Borang A & D for Sole proprietor & partnership
• Ensure the nature of business does not fall under NTM group and the business is more than 2 years (refer to joined in date)
• Ensured Borang D is renewed and have not expired during submission
• Form 9,24 & 49 for Sdn Bhd & Bhd must be in full set.
• If the company name has been changed, please provide Borang 13
• Ensure applicant name is in Form 24 & 49