When it comes to stretching their money further, most Malaysians are always on the lookout for ways to save while still getting the most out of their credit cards. One offer that is making headlines right now is the Maybank partnership with CardUp, where cardholders can enjoy 0% fee on their first payment for both personal and business expenses. Running from 19 September 2025 until 30 June 2026, this campaign is an excellent chance for Maybank Mastercard and Visa credit cardholders to unlock extra value from their everyday financial commitments.
So, why exactly should anyone take advantage of this promotion? Let’s break it down in detail.
What is CardUp and why does it matter?
CardUp is a payment platform that allows people to use their credit cards for expenses that usually do not accept card payments. Think about it: bills like rent, school fees, insurance premiums, mortgage repayments, car loans, and even payroll or supplier invoices for businesses are often restricted to bank transfers or cheques. With CardUp, these payments can be made using a credit card, turning everyday obligations into opportunities to earn credit card rewards, cashback, or loyalty points.
Normally, there is a processing fee for using this service, but with Maybank’s promotion, the first payment through CardUp comes with a 0% fee, giving people the chance to experience all the benefits without the usual cost barrier.
Personal Payment Benefits – Making everyday life easier
For individuals, this campaign opens the door to financial flexibility. Imagine paying rent or your child’s school fees with your Maybank credit card when the landlord or school usually insists on bank transfers. CardUp makes it possible, and with this promotion, there’s no added fee for the first payment.
Key personal payments include:
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Mortgage – A big monthly commitment where every bit of breathing room counts.
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Rent – Easily handled through your card, even if your landlord doesn’t accept cards.
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Renovation or Car Loan – Spread out large expenses with your Maybank card.
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Insurance or School Fees – Earn rewards points while keeping track of household expenses.
By shifting these payments onto a Maybank credit card, cardholders can enjoy up to 59 days of interest-free credit, essentially giving them more time to manage their cash flow. At the same time, they can continue to accumulate reward points or cashback benefits depending on their card type.
And the cherry on top? The first personal payment up to RM6,000 is fee-free when using the promo code MAYBANKFREE. After that, subsequent personal payments only incur a reduced 1.4% fee with the code MAYBANK14.
Business Payment Benefits – Free up working capital
For businesses, cash flow management is often one of the toughest challenges. Supplier invoices, payroll, rental payments, and even taxes can put a strain on liquidity. This is where CardUp truly shines for business owners.
With this campaign, businesses using Maybank credit cards can schedule their payments on CardUp and enjoy the same perks as personal users: interest-free credit of up to 59 days and reward points. The main difference? Businesses often handle larger amounts, and Maybank recognises this by giving them a higher threshold.
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First business payment up to RM15,000 is fee-free with promo code MAYBIZFREE.
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Subsequent payments benefit from a discounted 1.2% fee with the promo code MAYBIZ12.
For a small or medium-sized business, this can make a significant difference. Instead of depleting bank balances to pay vendors or employees immediately, businesses can hold onto their cash longer, improving liquidity while still meeting all obligations on time.
Why this promotion is worth joining
There are a few strong reasons why Maybank cardholders should not ignore this promotion:
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Save on fees immediately – The first personal payment up to RM6,000 or first business payment up to RM15,000 comes with zero fees. That’s direct savings of up to RM135 (personal) or RM337.50 (business) based on CardUp’s usual 2.25% fee.
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Earn credit card rewards – Every ringgit paid through CardUp counts as a credit card transaction. This means points, cashback, or miles depending on your Maybank card type.
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Enjoy more time to pay – With up to 59 days of interest-free credit, both individuals and businesses gain breathing room to manage their finances more efficiently.
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Flexibility of payments – From mortgage and rent to payroll and supplier invoices, CardUp covers both personal and business needs, even when recipients don’t accept cards.
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Peace of mind – Payments are scheduled in advance, with confirmation of the discounted fees before processing.
For households, this means being able to smoothen monthly budgets without worrying about high upfront costs. For businesses, it means improved working capital, a stronger cash buffer, and more time to invest in growth.
How to take part
Participation is straightforward:
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Sign up for a CardUp personal or business account.
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Schedule payments through CardUp with your eligible Maybank Mastercard or Visa Credit Card.
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Apply the relevant promo code during setup:
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MAYBANKFREE (first personal payment, up to RM6,000).
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MAYBANK14 (subsequent personal payments, 1.4% fee).
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MAYBIZFREE (first business payment, up to RM15,000).
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MAYBIZ12 (subsequent business payments, 1.2% fee).
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Ensure payment is scheduled at least 3 business days in advance of the due date (must fall on or before 3 July 2026).
Terms to keep in mind
While the promotion is generous, it comes with conditions. The offer only applies to Maybank Mastercard and Visa credit cards issued in Malaysia. Payments must be legitimate and supported by documentation – overpayments or prepayments are not allowed.
CardUp and Maybank reserve the right to review transactions, and CardUp may request documents to confirm eligibility. The promotion does not apply to charge cards or Maybank cards issued outside Malaysia, nor can it be combined with other promotions or discounts.
For more details, users can visit the CardUp Help Center: https://carduphelp.zendesk.com/hc/en-us.
Final thoughts
In today’s economic climate, every bit of savings and flexibility matters. Whether for personal budgeting or running a business, this promotion by Maybank and CardUp is a golden chance to maximise the value of everyday payments. Instead of letting cash flow bottlenecks or rigid payment methods hold them back, cardholders can now unlock more benefits while paying the same bills.
It’s not just about saving on fees; it’s about turning necessary expenses into strategic financial tools. From earning rewards points to enjoying longer payment periods, there’s plenty to gain. If someone is a Maybank credit cardholder, this is definitely a promotion worth taking advantage of before it ends on 30 June 2026.
Promotional/Event Details:
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Date: 19 September 2025 – 30 June 2026
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Time: All day
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Venue: Online via CardUp platform – https://carduphelp.zendesk.com/hc/en-us
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