Welcome Bonus Maybank TREATS Cash up to 1 million

1. Transactions anywhere with Maybank Whitecard within the first (three) months/ (ninety) days from card approval.
2. Transactions that are taken into account are offline or online retail shopping transactions, both at home and abroad.
3. Not valid for Maybank X-Cash, Maybank X-Bill, Maybank XPJC, Balance Conversion transactions, and cash withdrawals at ATM machines.
4. Welcome Bonus only applies to Maybank Main Credit Cards that are first issued. Not valid for other types of Maybank Credit Cards than those already owned (add on), renewal, replacement and additional cards.
5. When giving the welcome bonus, the Maybank Credit Card must be active, not blocked, not over limit and there are no late payments.
6. Make a transaction with Maybank Credit Card, as follows:

   Application period	Welcome Bonus applies	Transaction period	Givting Period
   Credit Card Application submitted until 31 Januari 2024	Maybank TREATS Cash bonus with tiers as follows; Min. accumulated transactions of IDR2 million = IDR200 thousand Min. accumulated transactions of IDR5 million = IDR500 thousand Min. accumulated transactions of IDR10 million = IDR1 million	3 (three) months After the card is activated	1 (one) month after 3 (three) months of card activation Prizes will be given to the Maybank Whitecard registered in the Maybank system
   Credit Card Application submitted starting from 1 February 2024	Maybank TREATS Cash 1 million with min. accumulation of transactions IDR10 million	3 (three) months After the card is activated	1 (one) month after 3 (three) months of card approval Prizes will be given to the Maybank Whitecard registered in the Maybank system or to a Maybank account via the M2U ID App

7. Terms and conditions for obtaining Maybank TREATS Cash:
   • Maybank TREATS Cash can be converted into cashback as a reduction in the bill amount.
   • Min. Maybank TREATS Cash that can be withdrawn is 100,000, and multiples apply.
   • When crediting or disbursing Maybank TREATS Cash, the Maybank Credit Card must be active, not blocked, there is no usage that exceeds the credit limit and there are no late payments.
   • 1 (one) Maybank TREATS Cash is equivalent to IDR 1 (one Rupiah).
8. Terms and conditions for exchanging Maybank TREATS Cash, via:
   1. M2U ID App for exchanging Maybank TREATS Cash to a Maybank account or to a Maybank Whitecard credit card. For details, you can refer to the following link click here or
   2. Maybank Customer Care at 1500611 or +622178869811 (from abroad) to exchange Maybank TREATS Cash to Maybank Whitecard Credit Card, or
   3. Email customercare@maybank.co.id to exchange Maybank TREATS Cash to Maybank Whitecard Credit Card in the format
      Email subject: EXCHANGE Maybank TREATS Cash
      Include the following information in the email. Example :
      Name: Tony Irawan
      No. Maybank Credit Card: 1234 5678 1234 5678
      Redemption Type: Maybank TREATS Cash
      Description: Maybank TREATS Cash cashback
   Maybank TREATS Cash exchanged: 100,000

Be the Diamond Club 

Enjoy various benefits according to your ranking.
To achieve this ranking you need to increase your accumulated transaction per year or accumulated transaction frequency per year according to the following tiering:

Ranking calculation is carried out once a year on the basis of calculating accumulated transactions recorded in the Bank's system from January 1 – December 31 each year.
For each ranking, you can enjoy the benefits of each type of Maybank TREATS available with the maximum amount per Maybank TREATS per month per monthly billing cycle as follows:

Ranking Terms & Conditions

1. Transactions that are calculated are retail shopping transactions or installments at offline or online merchants, both in Indonesia and overseas that have been recorded in the Maybank Credit Card system.
2. Transactions that are excluded from calculation of TREATS are transaction from Maybank XCash, Maybank XBill, Maybank XPJC, Balance Conversion transactions, and cash withdrawals at ATM machines.
3. Ranking calculations are calculated once a year on the basis of accumulated amount of transactions or accumulated number of transaction recorded from January 1 – December 31 each year.
4. Ranking can updated (upgrade/downgrade) based on accumulated of amount transaction or accumulated numbr of transaction to each tier that is being calculated per year based on Bank’s system from January 1 – December 31.

   Simulation :

   Table A

   2024 Achievement (Jan – Dec)	Transaction Accumulation (IDR)	Transaction Frequency (x)	Ranking in 2024	Ranking in 2025
   	270 million	50	ONYX	DIAMOND

   Explanation in illustration table A above:
   Transactions that have been calculated based on the Bank's system records, customers from the ONYX ranking in 2024 will get a DIAMOND ranking for 2025, because customers have achieved accumulated transactions in 2024 to get a DIAMOND ranking in the following year.

   Table B

   2024 Achievement (Jan – Dec)	Transaction Accumulation (IDR)	Transaction Frequency (x)	Ranking in 2024	Ranking in 2025
   	180 million	350	ONYX	DIAMOND

   Explanation in illustration table B above:
   Transactions that have been calculated based on system records in the table above, customers from the ONYX ranking in 2024 will get a DIAMOND ranking for 2025, because customers have reached the accumulated transaction frequency in 2024 to get a DIAMOND ranking in the following year.

5. Ranking will be updated at the beginning of each following year up to 1 (one) month after December 31 each year. 
6. Maybank TREATS Cash, Maybank TREATS Points or Maybank TREATS Miles earning can be exchanged into wallet type as follows; 
   • Maybank TREATS Cash can be redeemed for cashback with a minimum redemption of 100,000 and multiples thereof Cashback can be credited to the Maybank Credit Card or to the Cardholder's Maybank Savings Account.
   • Maybank TREATS Points can be redeemed for a wide selection of attractive vouchers and products available in the e-catalog at M2U ID App.
   • Maybank TREATS Miles can be exchanged for airline miles partners.
7. The number of TREATS earned or Maybank TREATS ranking each month can be checked via your M2U ID Apps at any time or by calling Maybank Customer Care at 1500611 or +622178869811 (from overseas).

Redeem Maybank TREATS whenever you want

Flexible redemption of Maybank TREATS that can be earned from every transaction via the M2U ID App at any time from available in 3 (three) Maybank TREATS wallets options with various product choices, which are;

1. Maybank TREATS Cash
   You can collect Maybank TREATS Cash which can be exchanged for cashback to reduce Maybank Credit Card bills or for cash on your Maybank savings balance. The following are the conditions for exchanging Maybank TREATS Cash: 
1. The minimum exchange that can be exchanged for cashback to reduce Maybank Credit Card bills or for cash on Maybank savings balance is 100,000 Maybank TREATS Cash and multiples apply.
2. 1 Maybank TREATS Cash is equivalent to IDR1. 
2. Maybank TREATS Points
   Every transaction you make with Maybank TREATS Points wallet can be redeemed for various vouchers and goods of your choice.
3. Maybank TREATS Miles
   You can collect Maybank TREATS Miles which can be exchanged for various collaborating airlines miles. The following are the conditions for exchanging Maybank TREATS Miles:
   • Minimum exchange of TREATS Miles to Air Asia: 10,000 TREATS Miles.
   • Minimum exchange of TREATS Miles to Garuda/Krisflyer/Asia Miles: 40,000 TREATS Miles.
   Free redemption fees for Maybank TREATS Cash/ TREATS Points/ TREATS Miles which can be done on the M2U ID App.

TREATS Cash exchange can be done in the M2U ID App, the method Click here.

Flexible Maybank TREATS

Get Maybank TREATS for every shopping transaction according to your current ranking and collect it in your Maybank TREATS Points/Maybank TREATS Cash/Maybank TREATS Miles wallet. 

Terms & Condition of Wallet Conversion; 

1. Transactions that are calculated according to retail or installment on offline or online merchants, both in Indonesia and overseas.
2. Not valid for Maybank XCash, Maybank XBill, Maybank XPJC, Balance Conversion transactions, and cash withdrawals at ATM machines.
3. Maybank TREATS earned will be credited to every transaction that has been successfully posted on the Bank's system
4. Maybank TREATS Cash/TREATS Points/TREATS Miles earned will expire 2 years from the date of TREATS earned.
5. Maybank TREATS earned can be collected into each wallet with the selected wallet type on the M2U ID App before the next monthly billing cycle, or it will become the default conversion to Maybank TREATS Cash automatically.
6. Conversion type selection settings; "flexible" to TREATS Cash/ TREATS Cash/ TREATS Miles or "default" to TREATS Cash/ TREATS Points/ TREATS Miles can be selected for each transaction and can only be done 1 (one) time a day via the M2U ID App. If you don't have the M2U ID App, the conversion type will be defaulted to TREATS Cash.
7. Check Maybank TREATS amount on the M2U ID App.
8. Redeem your Maybank TREATS via the M2U ID application, the method Click here or by contacting Maybank Customer Care at 1500611 or +622178869811 (from overseas) or email to customercare@maybank.co.id with the email subject Exchange Maybank TREATS.
9. When redeeming your Maybank TREATS Credit Card, you must have Maybank Credit Card in active condition, with no blocks, no over limits, and no late payments.