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Maybank eVibes Card Review: Is It the Best Student Credit Card?

Easy Cashback on All Spend for Students & NSFs
PROMO: APPLY AND S$50 CASH CREDIT

Maybank eVibes Card Review: Is It the Best Student Credit Card?

Easy Cashback on All Spend for Students & NSFs

4.4/5.0

ValueChampion Rating ValueChampion Icon

Rewards
Perks
Fees

Pros

  • Students & NSF earning less than S$30,000/year
  • People looking for easy cashback on all spend
  • Individuals hoping to avoid paying an annual fee

Cons

  • Low-income working adults (ineligible for this card)
  • Young adults who’d prefer a card with EZ-Link functionality
PROMO: APPLY AND S$50 CASH CREDIT

Maybank eVibes Card is excellent for tertiary students and NSFs looking for an easy-to-use cashback card that rewards all spend. Cardholders earn unlimited 1% cash rebate on all retail transactions, with no category or merchant restrictions and no minimum spend requirement. In addition, the S$5 quarterly service fee is waived 2 years, and then as long as the card is used once every 3 months. Cardholders also enjoy deals and discounts through Maybank TREATS.

Maybank eVibes Card Features and Benefits

  • Annual Fee: S$20, Waived for using the card once every 3 months
  • Income Requirement: S$30,000 for citizens & PRs, S$30,000 for foreigners
Key Features:
  • Annual fee: S$20 (waived for using the card once every 3 months)
  • 1% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Access to Maybank TREATS discounts
Promotions:
  • Apply now and receive S$50 cash credit with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years
  • Up to 7% off hotel bookings on Agoda (until Dec 31, 2021)
Promotions:
  • Apply now and receive S$50 cash credit with S$150 min spend within first 2 months of card approval + enjoy quarterly service fee waiver for first 2 years
  • Up to 7% off hotel bookings on Agoda (until Dec 31, 2021)

What Makes Maybank eVibes Card Stand Out

Tertiary students and NSF men between 18 to 30 years old can earn top rates on all spend with Maybanks eVibes Card–perhaps the best student card on the market. Cardholders earn 1% cash rebate on all spend without merchant or category restrictions. There’s also no minimum spend requirement or cap on earnings. Most student cards offer the equivalent of 0.25% to 0.4% rebate, so Maybank eVibes Card is a great way to maximise earnings.

Another benefit is access to the Maybank TREATS program. Cardholders can enjoy discounts up to 20% off dining and entertainment, plus deals on health & wellness, online retail, travel and more. While there is no formal rebate structure, students can still enjoy promotional savings with a variety of merchants.

Low income working adults are not eligible for Maybank eVibes card, however. Cardholders must be current students or NSF men. Young adults with low incomes may qualify for, and be interested in, cards like CIMB AWSM Card or Standard Chartered Manhattan S$500 Card. Existing Maybank eVibes Cardholders, on the other hand, can continue using their cards after turning 30 years old.

Ultimately, Maybank eVibes Card offers students and NSFs and excellent way to earn cashback on all spend. Because the S$5 quarterly service fee is waived 2 years, and then as long as the card is used at least once every 3 months, consumers can also easily avoid paying a fee. Altogether, cardholders can earn on all their spend, maintenance-free, at one of the highest student rates on the market.

How Does Maybank eVibes Card’s Rewards Program Work?

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

  • Every 1 dollar of cash rebate earned is equal to S$1
  • Cash rebate is credited to the cardholder's account on a monthly basis
  • Cashback is automatically forfeited and is non-transferable when an account is closed

Maybank eVibes Card Rewards Exclusions

Some credit card expenditures are ineligible for earning rewards. 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 eVibes Card Compare Against Other Cards?

PROMO: APPLY AND S$50 CASH CREDIT
Consider this if you want to maximise cashback on everyday spending
  • Pros
    • Students & NSF earning less than S$30,000/year
    • People looking for easy cashback on all spend
    • Individuals hoping to avoid paying an annual fee
    • Cons
      • Low-income working adults (ineligible for this card)
      • Young adults who’d prefer a card with EZ-Link functionality

      Read our comparisons of Maybank eVibes Card 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 eVibes Card performs slightly above the market average for value-to-consumer after two years based on a monthly spend of S$1,500

      Maybank eVibes Card v. CIMB AWSM Card

      PROMO: GET 9% OFF EXPEDIA HOTEL BOOKINGS
      CIMB AWSM Card
      CIMB AWSM Card
      Consider this if you earn S$18,000 and S$30,000 per year and are below the age of 35
      • Pros
        • Students, NSFs & low-income consumers earning less than S$30,000/year
        • People with high spend on dining, entertainment, online shopping & telco
        • Individuals interested in discounts & deals in Indonesia and Malaysia
        • Cons
          • Individuals who earn more than S$30,000/year
          • People who tend to eat in, and prefer to shop offline
          • Young adults looking for cashback on their utilities spend

          Like Maybank eVIbes Card, CIMB AWSM Card offers unlimited 1% rebate with no minimum spend requirement–however, cashback is category-limited to dining, entertainment, online shopping & telco. A bigger difference is that CIMB AWSM Card is one of the few cards available to low income working adults, who aren’t eligible for most student cards. These individuals can greatly benefit from CIMB AWSM Card’s respectable rate, with no annual fee. Maybank eVibes Card, however, offers a more flexible option for students and NSF men.

          Maybank eVibes Card v. Citi Clear Card

          Use our link to get the latest promotion from SingSaver & Citi!
          Citi Clear Card
          Citi Clear Card
          Consider this if you frequently visit Starbucks and Subway
          • Pros
            • Great for student/young adult budgets
            • Good rewards at Starbucks, Dunkin’ Donuts and Subway
            • Cons
              • Not suitable for salaries above S$30,000/year
              • Lacks rewards on education and bills

              Citi Clear Card offers students and NSFs the opportunity to earn 0.4 miles per S$1 spend–roughly equal to 0.4% cashback in value-to-consumer. While return value may be lower than Maybank eVibes Card’s, Citi Clear Card is the only student card to offer a rewards alternative to cash rebates. In addition, cardholders can access dining discounts through Citi Gourmet Pleasures, adding significant value for students who frequently eat out.

              Maybank eVibes Card v. DBS Live Fresh Student Card

              DBS Live Fresh Student Card
              DBS Live Fresh Student Card
              Consider this if actively like to shop on e-commerce sites and make purchases with mobile payments
              • Pros
                • 5% rebate on select merchants & 5% rebate on sustainable spend
                • No minimum spend requirement
                • Annual fee waived 5 full years
                • Cons
                  • Just 0.3% rebate on general spend
                  • otal rewards capped at just S$50/mo

                  DBS Live Fresh Student Card is a great option for students in terms of convenience because it works as an all-in-one card with EZ-Link functionality. The fee is high (S$128.4), but is waived for 5 years. One of the downsides, however, is that spend earns just 0.3% flat cashback, compared to 1% rebate with Maybank eVibes. DBS Live Fresh Student Card may be a preferable option to students who are frequent commuters, but Maybank eVibes card does a better job of rewarding consumer spend.

                  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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