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Maybank World Mastercard: the Best Credit Card for Golfers

Global Golf Privileges with Rewards for Luxe Lifestyles

Maybank World Mastercard: the Best Credit Card for Golfers

Global Golf Privileges with Rewards for Luxe Lifestyles


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  • Great perks for golfers who enjoy local and global courses
  • Good fit for budgets between S$1,000 to S$2,000 monthly
  • Awards dining and high-end retail shopping


  • Not a good fit for non-golfers or infrequent golfers
  • Doesn't reward everyday spend
  • Lacks travel perks and privileges

Maybank World Mastercard is the absolute best miles-earning golf card on the market. Cardholders receive 2 free green fees/month–about S$300 in value–at 100 fairways across 19 countries. This is triple the number of courses offered by the closest competitor card. In addition, cardholders receive 4 miles per S$1 on dining & retail with select merchants, plus perks like free travel insurance & lounge access. And, if you spend S$24,000/year, you can avoid paying an annual fee altogether (supplementary spend counts towards this total, making it even easier to earn a waiver). Ultimately, Maybank World Mastercard is the best option for low-maintenance miles plus top-notch golf privileges.

Maybank World Mastercard Credit Card Features and Benefits

  • Annual Fee: S$240, Waived for annual spending of S$24,000
  • Income Requirement: S$80,000 for citizens & PRs, S$80,000 for foreigners
Key Features:
  • Annual fee: S$240 (first year- waived)
  • Subsequent annual fee is waived with min annual spend of S$24,000
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants (Paradise Group, Resorts World Sentosa, Les Amis Group and more)
  • Complimentary green fees all year round at 100 participating golf clubs in 19 countries
  • Free travel insurance, lounge access & global concierge
  • Pair with Corporate Fuel Card for petrol discounts up to 19.1%

What Makes Maybank World Mastercard Credit Card Stand Out

For frequent golfers spending at least S$1,000/month, Maybank World Mastercard offers the most comprehensive golfing privileges on the market, while simultaneously rewarding spend with select dining and retail merchants, providing travel perks, and making rewards redemption easy.

First and foremost, Maybank World Mastercard is great for golfers. After S$1,000 spend in the previous month, cardholders can enjoy 2 free green fees monthly at 100 fairways, across 19 countries–slightly more than the number of courses offered by CIMB Visa Infinite Card with far greater geographic range. Green fees average to about S$150 each, potentially providing S$300 in value-to-consumer monthly. These privileges come with conditions, however, including requirements for golfers insurance and in some cases, for paying guests.

Maybank World MasterCardCIMB Visa Infinite Card
Free Green Fee PolicyUp to 2x / monthUp to 2x / month
Number of Eligible Fairways100108
Geographic Reach19 countries16 countries

Maybank World Mastercard provides benefits outside of golf as well. Cardholders earn 4 miles per S$1 spend with select dining and luxury retail merchants, such as Paradise Group restaurants and Valiram Group. Eligible brands are very expensive, which can work to cardholders’ benefit–purchasing a S$3,000 Burberry belt bag would earn 12,000 miles (approx. S$120 value), for example.

  • Singapore: Sembawang Country Club, Orchid Country Club, Keppel Club, Warren Golf & Country Club
  • Malaysia: The Legends Golf & Country Resort, Horizon Hills Golf & Country Club, Els Club Desaru, Tiara Melaka Golf & Country Club, Nilai Springs Golf & Country Club, Seremban International Golf Club, Penang Golf Club, Bukit Jawi Golf Resort, Kota Permai Golf & Country Club, IOI Palm Garden Golf Club, Amverton Cove Golf & Island Resort, Bukit Kemuning Golf & Country Resort, Templer Park Country Club, Sungai Long Golf & Country Club
  • Indonesia: Imperial Klub Golf, Rancamaya Golf & Country Club, Ria Bintan Golf Club, Bali National Golf Club, Handara Golf & Resort Bali, Klub Golf Bogor Raya, Riverside Golf Club, Padang Golf Skajadi, Palm Spring Golf & Country Club
  • Philippines: Forest Hills Golf & Country Club, Sherwood Hills Golf Club, Summit Point Golf & Country Club
  • Thailand: Lotus Valley Golf Resort, Riverdale Golf Club, Muang Kaew Golf Club, The Royal Gems Golf Resort, Uniland Golf & Resort, Mountain Creek Golf Resort & Residences, Rancho Charnvee Resort & Country Club, Alpine Golf Club, Chiangmai Highland Golf & Spa Resort, Red Mountain Golf Club, Loch Palm Golf Club
  • Vietnam: Ba Na Hills Golf Club, Laguna Lang Co Golf Club, Montgomerie Links Vietnam
  • Cambodia: Angkor Golf Resort
  • China: Zhu Hai Golden Gulf Golf Club, SunShine Golf Club, Spring City Golf & Lake Resort
  • Mongolia: Mt. Bogd Golf & Country Club
  • Japan: The Golf Club Ryugasaki, Segovia Golf Club in Chiyoda, Naritanomori Country Club, Fukuoka Kokusai Country Club, Fukuoka Lakeside Country Club
  • Australia: The Dunes Golf Links, Joondalup Golf Resort, The Secret Harbour Golf Links, The Vines Resort & Country Club
  • United Arab Emirates: The ELS Club, Emirates Golf Club (+2 additional Premium Clubs)
  • United Kingdom: The K Club, Royal Portrush Golf Club, Portmarnock Golf Club,
  • Turkey: Montgomerie Maxx Royal Golf Club
  • France: 3 Premium Clubs
  • Portugal: Monte Rei Golf & Country Club
  • South Africa: Fancourt, Gary Player Country Club, Lost City Golf Course, Pearl Valley Golf & Country Estate, Royal Cape Golf Club
  • Spain: 3 Premium Clubs
  • United States: Del Monte Golf Course, Ewa Beach Golf, Ko Olina Golf Club, The Links at Spanish Bay, Pebble Beach Golf Links, Turtle Bay Resort Golf (+2 additional Premium Clubs)
  • Paradise Group: Beauty in The Pot, Canton Paradise, LeNu, Paradise Classic, Paradise Dynasty, Paradise Hotpot, Paradise Teochew Restaurant, Seafood Paradise, Taste Paradise, Le Shrimp Ramen, Canton Paradise Noodle & Congee House
  • Imperial Treasure: Imperial Treasure Tasting Room, Imperial Treasure Fine Chinese Cuisine, Imperial Treasure Super Peking Duck, Imperial Treasure Fine Teochew Cuisine, Imperial Treasure Fine Shanghai Cuisine, Imperial Treasure Cantonese Cuisine, Imperial Treasure Steamboat Restaurant, Treasures Noodle & Congee House, Treasures Yi Dian Xin
  • Resort World Sentosa: CURATE, Feng Shui Inn, Fratelli Pizzeria, Fratelli Trattoria, Ocean Restaurant, Osia Steak & Seafood Grill, Sessions, Syun, table65
  • Les Amis’ Group of Restaurants: Bistro Du Vin, Casa Verde, Indigo Blue Kitchen, Jinjo, Kausmo, Kitch, La Strada, La Taperia, Lemak Boys, Les Amis, LINO, LINO Pizza & Pasta Bar, Mui Kee Congee, NamNam, Peperoni Pizzeria, SOCIEATY, Sushi Jin, Tarte by Cheryl Koh, Tenjin, Yujin Izakaya
  • Valiram Group: Michael Kors (VivoCity, IMM, Mandarin Gallery, Marina Bay Sands), Tumi (Mandarin Gallery, Marina Bay Sands, Raffles City, IMM), Victoria’s Secret (Mandarin Gallery, Jewel, VivoCity, IMM), Steve Madden (Takashimaya Shopping Centre), Bath & Body Works (ION Orchard, Takashimaya Shopping Centre, VivoCity, Tampines Mall, Marina Bay Sands, IMM)
  • Luxury Galleria at Resorts World Sentosa: Swiss Watch Gallery, Vie Beauty, Wear & When, Polo Ralph Lauren, Swarovski, Tory Burch, Michael Kors, Tumi, Salvatore Ferragamo, Coach, Longchamp, Furla, Versace, Hugo Boss, Victoria’s Secret, Rimowa

Frequent golfers who do not typically shop high fashion can still benefit from this feature if they have a loved one with luxury spending habits. Supplementary cardholders’ purchases earn at the same rate, and miles are credited to the primary cardholder’s account. In addition, card accounts with S$24,000 cumulative annual spend (primary + supplementary) are exempt from the S$240 fee. Supplementary cardholders, however, are not privy to free green fees or airport lounge access.

Maybank World Mastercard also offers a few perks like free travel insurance and 1 free access voucher to Plaza Premium Lounges (worth S$44.95) per S$1,000 card transaction. While spend is officially rewarded in points–which is fairly common–points never expire and the S$25 conversion-to-miles fee is waived, which is rare. Ultimately, Maybank World Mastercard provides frequent golfers with incredible privileges worldwide, with miles rewards for select spend and special travel perks along the way.

How Does Maybank World Mastercard Credit Card Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem card rewards.

  • Spend officially rewarded in points, redeemable as cash, miles, or vouchers
  • Points never expire
  • Points can be redeemed in blocks of 17,000 for S$50 cash credit
  • Points can be converted to miles via the Maybank Frequent Flyer Programme [FFP]
  • AsiaMiles are converted at the rate of 5,000 Points for 2,000 miles (manual)
  • KrisFlyer Miles are converted at the rate of 12,500 Points for 5,000 miles (online)
  • The S$25 conversion-to-miles fee is waived

Maybank World Mastercard Credit Card Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions below.

FlexiCash, FlexiPay, 0% Interest Instalment Plans, funds transfers, cash advances, finance charges, late payment charges, annual fees, reversals, interest charges, any other miscellaneous bank charges as decided by Maybank
AXS and SAM transactions; payment of funds to prepaid accounts including (but not limited to) EZ-Link, Banc de Binary, Flashpay, MoneyBookers, NETS, OANDA, PayPal, Skrill, SkyFX, Transitlink, IG Markets, Plus500, YouTrip
Payments to government institutions and services (court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here); brokerage/securities transactions, payments to insurance; any transactions deemed to be corporate/commercial; any betting or gambling transactions

How does Maybank World Mastercard Credit Card Compare Against Other Cards?

Consider this if you are an avid golfer who travels frequently to golf clubs worldwide
  • Pros
    • Great perks for golfers who enjoy local and global courses
    • Good fit for budgets between S$1,000 to S$2,000 monthly
    • Awards dining and high-end retail shopping
    • Cons
      • Not a good fit for non-golfers or infrequent golfers
      • Doesn't reward everyday spend
      • Lacks travel perks and privileges

      Read our comparisons of Maybank World Mastercard with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

      Maybank World Mastercard performs above the market average for value-to-consumer after two years based on a monthly spend of S$6,000

      Maybank World Mastercard v. CIMB Visa Infinite Card

      Consider this if you are a frequent traveller and prefer no-fee cashback to miles
      • Pros
        • Best fit for monthly budgets above S$2,000
        • Unlimited 2% cashback on travel, overseas and online
        • No annual fee credit card
        • Cons
          • Not suitable for spenders with local budgets
          • Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers

          CIMB Visa Infinite Card is perhaps the best no-fee cashback option for high-spending golfers. Cardholders earn an unlimited 1% cashback on general spend, boosted to 2% on travel & overseas expenses after S$2k minimum spend. CIMB Visa Infinite Card stands out, however, by offering travel perks like complimentary travel insurance, 3 lounge visits/yr, and waived green fees at 108 fairways across 16 countries worldwide. Few rebate cards offer such perks, and no cashback card offers such comprehensive golfing benefits. Golf enthusiasts who prefer to earn miles, however, might be better off with Maybank World MasterCard.

          Maybank World Mastercard v. CIMB World MasterCard

          Consider this if you want a free credit card with golf benefits
          • Pros
            • Great fit for big leisure budgets
            • Rewards dining, entertainment and duty free shopping
            • Perks for avid golfers
            • No-fee & maintenance free cashback card
            • Cons
              • Lack cashback on essentials (ie groceries, bills)
              • Doesn't reward airline & hotel spend
              • Doesn't fit monthly budgets of S$3,000/month and below

              CIMB World MasterCard is an excellent, no-fee card for affluent spenders with high leisure budgets. Cardholders earn unlimited 1.5% cashback on general spend and 2% on dining, entertainment, recreation, automobile, petrol, and duty-free spend, with no minimum requirement. In addition, consumers enjoy 50% off green fees at courses across SE Asia and discounted access to airport lounges. Consumers looking for more comprehensive golf perks, however, might prefer Maybank World MasterCard.

              Maybank World Mastercard v. Standard Chartered Visa Infinite Card

              Consider this if you travel overseas frequently for business or shopping
              • Pros
                • Great rewards for high overseas spend
                • Rewards banking activity
                • Cons
                  • Not suitable for average spenders who mostly buy local essentials
                  • Annual fee

                  Standard Chartered Visa Infinite Card is a great way for frequent travellers to maximise miles for overseas spend, while also enjoying perks like free travel insurance and airport lounge access–as long as they’re willing to pay the S$588.5 annual fee. Cardholders earn 1.4 miles per S$1 local spend, 3 miles overseas, and receive 30% discounts at select golf clubs in Asia. SC Visa Infinite Card is great for affluent travellers who also golf; Maybank World MasterCard is better for consumers who prioritise golf benefits above all else.

                  Maybank World Mastercard v. Citi Prestige MasterCard

                  Citi Prestige Card
                  Citi Prestige Card
                  Consider this if you want special travel perks like free hotel nights and unlimited lounge access
                  • Pros
                    • Great luxury benefits
                    • Ideal for higher budgets
                    • Great golfing and travel perks
                    • Cons
                      • Very high annual fees
                      • Unsuitable for moderate budgets

                      Citi Prestige MasterCard is one of the most comprehensive cards on the market for luxury travel benefits. In addition to offering 1.3 miles per S$1 local spend, 2 miles overseas, Citi Prestige Card also provides free travel insurance, hotel trip extensions, limo transfers, unlimited airport lounge access, and 6 free green fee rounds yearly. While there’s a S$535 fee, cardholders receive 25,000 renewal miles annually (worth S$250). Citi Prestige Card combines high miles-earning potential with top-notch travel privileges, including for golf. Consumers focused on golf privileges and seeking a lower fee might consider Maybank World MasterCard.

                      Maybank World Mastercard v. OCBC Voyage Card

                      OCBC VOYAGE Card
                      OCBC VOYAGE Card
                      Consider this if you have a high annual income and eat out frequently
                      • Pros
                        • 2.2 miles per S$1 overseas retail and dining spend
                        • 1.3 miles per S$1 local retail spend
                        • 15,000 annual bonus renewal miles (worth S$150)
                        • Unlimited lounge access, limo transfers & more
                        • Up to 19% fuel savings with Caltex
                        • Cons
                          • High S$488 annual fee (no waiver)
                          • Recurring bills ineligible for rewards
                          • Access to limo transfers requires S$5,000 minimum spend

                          Consumers with variable travel schedules can enjoy high rewards rates, both locally and abroad, with OCBC Voyage Card. Cardholders rapidly accrue miles at the rate of 2.3 miles per S$1 spend overseas, 1.2 miles locally, and 1.6 miles on local dining. Consumers can redeem miles any time, without blackout dates. In addition to free travel insurance, limo transfers and lounge access, consumers also enjoy free green fees at Sentosa Golf Club and up to 50% off green fees at 50 clubs in SE Asia. Overall, OCBC Voyage Club allows golfers to rapidly earn miles for spend, but is only an option for those willing to pay its S$488 annual fee.

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                          Zoryana Melesh

                          Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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