Multiple banks. Different interest rates. Call it a "conflict of interest".

    Maybank FlexiCash Installment Loan

    FlexiCash is an instalment loan, which is available on all Maybank credit cards. This is a multi-purpose loan available in two tenures and loan approval within three days. Interest rates start from 5.88% p.a. with an EIR of 10.68% p.a.

    Features and Benefits

    • The minimum loan amount is S$2,000.
    • You can borrow up to 80% of your available combined credit limit at the time of application.
    • No processing fees charged.
    • Low interest rates of 5.88% p.a. and 6.88% p.a. depending on the loan tenure.
    • Pay the full amount in instalments over 12 or 24 months.
    • Save on interest with this loan and pay your outstanding credit card balances.
    • Pay a one-time registration fee and apply for this loan via phone.
    • Upon approval, the loan amount can get credited to your nominated account with another bank.

    Interest Rates

    Tenure Applied Interest Rate Effective Interest Rate
    12 months 5.88% p.a. 10.68% p.a.
    24 months 6.88% p.a. 12.70% p.a.

    Fees and Charges

    Description Charge
    Administration fee for loan valuation S$200


    Let us Illustrate

    Say you have borrowed an amount of S$8,000 for a tenure of 12 months. While other line of credit or credit cards would calculate an interest rate of 24% p.a. on the balance, FlexiCash charges only 5.88% p.a. on your total balance. Your monthly interest payable with FlexiCash comes up to S$39.20 instead of S$160 with other bank loans. Hence, you save S$120.80 (75%).

    Check Your Eligibility

    • All Maybank credit cardholders can apply for this loan, which means you have to fulfil the criteria of the specific card you hold.
    • You should maintain 80% of your available credit limit in your card account.

    How to Apply?

    To apply, you can download the application form from the loan’s webpage. Fill-up the details and send the completed form along with the required documents to the bank.


    Q. Can the loan amount be transferred to my Maybank account?

    A. No. You can only nominate a non-Maybank account for the transfer of funds upon loan approval.

    Q. Will I earn TREATS Points under this loan?

    A. No, you will not earn any TREATS Points under this loan.

    Q. Can supplementary cardmembers apply for FlexiCash?

    A. No. Only principal Maybank credit cardmembers are eligible for FlexiCash.

    Q. Can I use this loan as a debt consolidation loan?

    A. With FlexiCash loan, you can pay off your credit card debts from Maybank and other banks. The interest rate on this loan is lower than rates charged on credit cards.

    Q. What will happen if I miss a payment on this loan?

    A. If you do not pay the monthly instalment amount in full, the prevailing interest rate will be applicable.

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