Card Transactions in Foreign Currencies and Transactions Processed Overseas

1. Card Transactions in foreign currencies other than US Dollars will be converted into US Dollars before being converted into Singapore Dollars. Card Transactions in US Dollars shall be converted to Singapore Dollars on the date of conversion. All conversions are subject to such exchange rate at such time as may be determined by the respective card association(s), namely Visa International Service Association and/or Mastercard International Incorporated at its absolute discretion. The conversion rate applied is based on the Posting Date of the Card Transaction to the Card Account which may be different to the rate in effect on the date of the Card Transaction.
2. Pursuant to clause (a), with effect from 1 November 2021, the Bank shall charge the Cardmember the converted amount and the administrative fee of 2.25% of the said amount (or such fee as the Bank may determine from time to time) for all Cards.
   
   In addition, all Card Transactions in foreign currency will be subject to a charge of up to 1% on the converted Singapore dollar amount by the respective card associations.
3. If the Cardmember has chosen to convert the overseas Card Transaction (including online Card Transactions) into Singapore dollars at the point of payment via dynamic currency conversion (a service offered at certain overseas ATMs and merchants), or the transaction is in Singapore dollar but processed by an overseas merchant (including online Card Transactions), the Cardmember acknowledges that the process of conversion and exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be.
   
   All card transactions in Singapore dollars but processed overseas will be subject to an administrative fee of up to 1%.
   
   The Bank may charge, credit and debit, as may be appropriate, all sums payable to the Bank under this Agreement to the Card Account.

Late Payment Charges

5% of the minimum payment due or S$100, whichever is higher, if minimum monthly repayment is not made by due date

** Only for cards linked to Maybank deposit accounts in Singapore

*** Limited to only 2 Supplementary Cards per Principal Card

**** Prevailing exchange rates shall be determined by the Bank. For cash withdrawals in all foreign currencies except Malaysian Ringgit, the base currency for the exchange will be in US Dollars.

ˆ Waived if there is at least 1 transaction charged to either the Principal Card Account or Supplementary Card Account every 3 months

ˆˆ Waived if there is at least 1 transaction every 3 months

ˆˆˆ Additional postage charge of S$1 per statement for Malaysia/ Brunei and S$3 per statement for all other countries shall apply

+ Maybank Credit Card customers that linked their Maybank Saving / Current Account to their Maybank Credit Cards, can enjoy FREE overseas cash withdrawal from Maybank's Cross Border ATM Services.