Maybank Family & Friends Card cashback rates & bonus categories
Cashback is awarded by MCC code. The rates below depend on the merchant filing the right category code — verify any merchant in our MCC database.
| Category | Rate | Details |
|---|---|---|
| Your 5 preferred categories | Up to 8% | Choose 5 categories from 10 options (groceries, dining, petrol, transport, shopping and more). Tier 2 (S$1,600/month) earns up to 8%, Tier 1 (S$800–S$1,599.99) up to 6%. Groceries earn up to 6% regardless of tier. Categories apply for 3 months, changeable quarterly. |
| MYR & IDR spend | Up to 8% | The additional bonus category: all other spend in Malaysian Ringgit or Indonesian Rupiah earns up to the same tiered rate — useful for JB trips and regional travel. |
| AXS bill payments | 0.3% | 0.3% cashback on AXS bill payments with no minimum spend, capped at S$50 bill payment per transaction. |
Reward currency: Cashback. Source: Maybank Singapore official page (reviewed 22 September 2026).
Maybank Family & Friends Card: pros & cons
Pros
- 8% is among the highest cashback rates in Singapore at full tier
- Category choice fits household spending — and MYR/IDR bonus is unique for causeway travellers
- Groceries only need Tier 1 (S$800) for the 6% rate
Cons
- S$1,600/month for the full 8% tier is a high bar
- S$30/category monthly caps require spreading spend across all 5 categories
- Quarterly category re-selection adds management overhead
Who the Maybank Family & Friends Card is good for
- Families with spend across multiple categories
- Frequent JB/Malaysia travellers (MYR bonus category)
- Households that can hit S$1,600/month card spend
Frequently Asked Questions
What is the minimum spend for Maybank Family & Friends cashback?
S$800 per calendar month for Tier 1 (up to 6%), or S$1,600 for Tier 2 (up to 8%). Groceries earn up to 6% at the Tier 1 threshold.
How do the category caps work?
Each of your 5 preferred categories is capped at S$30 cashback per month at Tier 2 (S$20 at Tier 1), for S$180/S$120 total. After the cap, spend earns the 0.22% base rate.
Can I change my 5 preferred categories?
Yes — selections apply for 3 months and you may change them quarterly, effective the following month.
Last reviewed: 22 September 2026 | Rates, caps and minimum spend may change. Always verify with CheckMCC and Maybank Singapore before applying.