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Maybank
Maybank Family & Friends Card
How it earns
- Pick 5 of 10 categories (e.g. dining, groceries, commute, automotive/petrol, online shopping, telco & streaming)
- 6% with S$800+ a month (cap S$20 per category); 8% with S$1,600+ (cap S$30 per category; groceries stays 6%)
- 0.22% on everything else
What it earns on typical spending
| Spending profile | Earns a year | Net of fee | Rank |
|---|---|---|---|
| Everyday S$2,000/mo | S$1,283 | S$1,086 | 1 of 27 |
| Eats out a lot S$2,050/mo | S$1,037 | S$841 | 2 of 27 |
| Frequent traveller S$3,570/mo | S$1,205 | S$1,009 | 2 of 27 |
| Family with a car S$3,050/mo | S$1,576 | S$1,380 | 1 of 27 |
Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.
See what it earns on your spending
Key facts
| Type | Cashback card · Mastercard |
|---|---|
| Annual fee | S$196.20 incl. GST |
| Fee waiver | Waived for the first three years, then automatically with S$12,000 annual spend. |
| Minimum income | S$30,000 (citizens & PRs) · S$60,000 (foreigners) |
| Rewards currency | SGD cashback |
| How points are counted | Rounded down to the cent |
| Expiry | — |
| Foreign-currency fee | 3.25% |
Good to know
- Category choices are locked for three months.
- Malaysian citizens need S$45,000 income.
Common questions
What is the annual fee on the Maybank Family & Friends?
S$196.20 a year including GST, waived for the first year. Waived for the first three years, then automatically with S$12,000 annual spend.
What income do I need for the Maybank Family & Friends?
S$30,000 (citizens & PRs) · S$60,000 (foreigners).
How much will I earn with the Maybank Family & Friends?
On a typical S$2,000 a month of everyday spending, about S$1,283 cashback a year, or S$1,086 after the annual fee. That ranks it 1 of 27 cards we track. Your own spending can change this a lot.
What is the foreign-currency fee on the Maybank Family & Friends?
3.25% on transactions in a foreign currency.
Sources
Checked against the issuer's own pages on 27 Oct 2026:
- https://www.maybank2u.com.sg/en/personal/cards/credit/maybank-family-and-friends-mastercard.page
- https://www.maybank2u.com.sg/iwov-resources/sg/pdf/cards/fnf-tnc.pdf
Terms change often. Always confirm rates, caps and fees on Maybank's own page before applying. Found something out of date? Tell us.
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