Credit Card Compare

Maybank XL Cashback Card

Data last updated 23 October 2026
27.90%
Purchase rate
S$0
Annual fee
20 days
Interest-free
Application

CardIQ

49Fair

Fair

Overall score, out of 100 · How this works

  • Cashback96
  • No annual fee60
  • Rewards25
  • Sign-up bonus15

Customer reviews

No reviews yet. Be the first to review the Maybank XL Cashback Card.

Pros & cons

What's good

  • No annual fee.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • S$87.20 inclusive of 9% GST. Waived for first 2 years. From year 3, automatically waived with minimum spend of S$6,000 yearly. Supplementary card is free.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.
  • Up to 20 interest-free days on purchases (below the 22-day median).

Card details

The basics

Additional cardholder fee
S$0 p.a.
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singapore
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
28.50% p.a.
Purchases
27.90% p.a.

Fees

Additional cardholder fee
S$0
Annual fee
No annual fee
Cash advance fee
8% of the amount
Foreign transaction fee
2.25%
Late payment fee
S$100

Repayments

Interest-free period
Up to 20 days on purchases
Minimum repayment
3% of outstanding balance or S$20, whichever is higher, plus any outstanding amount due from previous statements

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Cashback cap
S$80 per month
Ongoing cashback
5% on eligible spend

5% cashback on Dine, Shop, Travel, Play and Foreign Spend categories with minimum S$500 spend per calendar month. Capped at S$80 bonus cashback per calendar month. All other eligible transactions earn 0.2% base cashback unlimited.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeS$0Tied for best (1st of 19 cards)
Overseas fee2.25%Tied for best (1st of 19 cards)
Purchase rate27.90%Middle of the market (9th of 19 cards)
Interest-free days20 daysNot as good as most cards (12th of 17 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Maybank