8X TREATS Points
Equivalent to 3.2 air miles with every dollar spent, enjoy the high earn-rate on your day-to-day transactions in the following categories.

• Restaurant Dining in Singapore
  Every meal at a restaurant now earns you the highest air miles earn-rate whenever you charge to your Card.
• All Petrol Stations in Singapore
  Applicable on top of prevailing station discounts.
• Taxi Rides in Singapore
  Be rewarded with the highest air miles earn-rate when you book your taxi rides with our selected taxi service providers.
• Hotel Bookings at Agoda.com/Horizon
  Enjoy incredible hotel deals worldwide and top it off with extra air miles.

5X TREATS Points
Equivalent to 2 air miles with every dollar spent, every vacation is even more rewarding.

• Air Tickets Across All Airlines
  Be it major or budget airlines, receive accelerated rewards with no boundaries.
• Travel Packages
  Take your pick from any travel agency and go on a fuss-free vacation with your Card.
• Foreign Currency Transactions
  Whether you are abroad or making online purchases, maximize every transaction you make.

To earn 8X and 5X TREATS Points, simply spend a minimal S$300 in a calendar month on your Maybank Horizon Visa Signature Card.

With the fastest way to earn miles on day-to-day expenses, redeeming a round trip to Bali is easy! Here's how:

Above table for illustration only. Information is accurate as at time of update.

Complimentary Airport Lounge Access
Enjoy complimentary access to selected VIP airport lounges when you charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Card within 3 months prior to the date of travel.

Cardmember's accompanying guest(s) enjoys 20% off walk-in rates for lounge access at participating Plaza Premium Lounge outlets.

Complimentary Travel Insurance Coverage Up to S$1,000,000
Be insured up to S$1,000,000 when you travel. Receive complimentary travel insurance coverage when you charge your travel fares in full to the Card.

Maybank Save Up Programme
Qualify for the Save Up Programme with your Maybank Horizon Visa Signature Card. Enjoy the flexibility to choose from 9 products and services and earn up to 3% p.a. interest!

• With the flexibility of TREATS Points, redeem a host of privileges such as shopping and dining vouchers, cash credits and more, other than KrisFlyer Miles or AsiaMiles.
• Enjoy a host of attractive privileges in Singapore, Malaysia, Indonesia and the Philippines.
• Access Maybank Card's suite of financial services including interest-free instalment payment plans such as EzyPay, FlexiPay and more.
• Maybank Visa Money Transfer allows you to transfer funds from your Card to any Visa Card overseas, at attractive rates.
• Withdraw cash from ATMs worldwide. Fees and charges apply.

Travel in Style and Comfort
Your travel begins in comfort with your Maybank Horizon Visa Signature Card. Relax at these airport lounges where you can enjoy a host of facilities and services, such as shower rooms, internet access, food and beverages and more.

Cardmembers enjoy 3-hour access to the following participating airport lounges. All lounges are open 24 hours daily.

• Ambassador Transit Lounge - Singapore
  Singapore Changi Airport Terminal 2
  Transit Mall South (Level 3)
  
  Singapore Changi Airport Terminal 3
  Transit Mall North, Mezzanine Level (Level 3)
• Plaza Premium Lounge - Singapore
  Singapore Changi Airport Terminal 1
  Departure Transit Lounge (Level 3)
  
  Singapore Changi Airport Terminal 4
  Departure Transit Lounge (Level 2M)
• Plaza Premium Lounge - Kuala Lumpur
  Kuala Lumpur International Airport – KLIA Terminal
  - Level 2, Satellite Building (near Gate C11-17)
  
  Kuala Lumpur International Airport – KLIA2 Terminal
  - Level 2, International Departure Level, KLIA2 (next to Gate L8)
  - Mezzanine Level, International Departure, KLIA2
  - Level 2, Gateway@KLIA2
• Plaza Premium Lounge - Hong Kong
  -Level 7 (Departure level), Terminal 1 (Near Gate 40)
  -Level 6 (Departure Level), Terminal 1 (near Gate 1)
  -Level 3 (Arrival level), Terminal 2 (below Airport Express platform)

Charge a minimum of S$400 in a single transaction on air tickets or travel packages to your Maybank Horizon Visa Signature Card to enjoy a one-time complimentary lounge access to the participating airport lounges. Simply present your Horizon Visa Signature Card at any of the lounges within 3 months from transaction date.

Cardmember's accompanying guest(s) enjoys:

• 20% off walk-in rates for lounge access to Plaza Premium Lounge at Singapore Changi Airport, Kuala Lumpur International Airport and Hong Kong International Airport.
• 10% off massage, gym/fitness and nail/hair beauty services at Ambassador Transit Lounge in Singapore Changi Airport Terminal 2 and 3

• The 8X TREATS Points awarded under this Programme consist of: i) the usual 1 TREATS Point received by Cardmembers under the TREATS Point programme; and ii) 7 Bonus TREATS Points.
• 8 TREATS Points awarded for every dollar spent is equivalent to a conversion rate of 3.2 air miles per dollar under Maybank Frequent Flyer Programme.
• The 5X TREATS Points awarded under this Programme consist of: i) the usual 1 TREATS Point received by Cardmembers under the TREATS Point programme; and ii) 4 Bonus TREATS Points.
• 5 TREATS Points awarded for every dollar spent is equivalent to a conversion rate of 2 air miles per dollar under Maybank Frequent Flyer Programme.
• To earn Bonus TREATS Points, a minimum spend of S$300 in a calendar month (“Minimum Spend”) is required.
• The total Bonus TREATS Points earned is capped at 30,000 Bonus TREATS Points per calendar month.
• To receive 8X TREATS Points: (a) transactions must be charged in Singapore dollars to the Card on dining, petrol, taxi transactions or hotel bookings made at www.agoda.com/horizon (“Eligible Categories”), in accordance with these Terms and Conditions.
• Dining transactions must be charged at participating Eating Places and Restaurants classified under Merchant Category Code (“MCC”) 5812 (“Participating Dining Merchants”).
• Petrol transactions must be charged at local petrol stations classified under MCC 5541 and MCC 5542 (“Participating Petrol Stations”).
• For the avoidance of doubt, any transaction charged at dining merchants and/or dining places or at non‐petrol stations not classified under the merchant category codes stated herein shall not be eligible. Transactions made at restaurants located in a hotel which are classified under the hotel’s name and MCC will not be eligible for Bonus TREATS Points.
• Taxi transactions must be charged at selected local taxis service providers, namely Comfort and CityCab, Premier Taxis, Prime Taxi, SMRT Taxis, Trans‐Cab and GrabTaxi.
• Agoda transactions must be charged via the dedicated website at www.agoda.com/horizon and the Maybank Horizon Visa Signature Principal Cardmember's NRIC/Passport No must be entered. Additional terms and conditions of this Agoda promotion apply, as stated below.
• To receive the 5X TREATS Points: (a) Cardmembers must use their Cards to purchase air tickets and/or travel packages; or (b) transactions on the Cards must be charged in a foreign currency. For the avoidance of doubt, a travel package refers to a tour arranged by a travel agent where transportation, food and lodging are all provided at an inclusive price.
• Card transactions made within a calendar month that are successfully posted to a Card Account prior to the 6th day of the following calendar month, will be counted towards the Minimum Spend for the month that the transaction is made. Card transactions made within a calendar month but are posted to a Card Account after the 6th day of the following month will be considered as late posted transactions and will not be counted towards the Minimum Spend nor be awarded Bonus TREATS Points.
• The 8X and 5X TREATS Points will automatically be awarded to the eligible Cardmember's account if a requisite transaction is made and/or the designated merchant's outlet, where the required transaction is made, is on record with Maybank.
• In the event a merchant’s outlet is not on record with Maybank, the TREATS Points will only be awarded once Maybank is informed of the new outlet and has updated its records accordingly.
• Maybank reserves the right to change or remove any selected merchant(s) and Eligible Categories at any time without notice.
• TREATS Points will not be awarded to any transactions that Maybank deem to be corporate/commercial transactions.
• The following transactions are excluded from the awarding of TREATS Points:
  a) Cash Advances
  b) FlexiCash
  c) FlexiPay
  d) Fund Transfer
  e) 0% Interest Instalment Plans
  f) Annual fees
  g) Interest charges
  h) Late payment charges
  i) Finance charges
  j) Other miscellaneous fees and charges
  k) AXS and SAM transactions (with effect from 16 May 2017)
  l) Skrill transactions
• The following transactions are excluded from the accumulation towards Minimum Spend:
  a) Cash Advances
  b) FlexiCash
  c) Fund Transfer
  d) Annual fees
  e) Interest charges
  f) Late payment charges
  g) Finance charges
  h) Other miscellaneous fees and charges
  i) AXS and SAM transactions (with effect from 16 May 2017)
  j) Skrill transactions
• Maybank reserves the right to reverse TREATS Points awarded to a Cardmember by debiting the Cardmember’s Card account accordingly in the following events: (a) a Card transaction (in full or in part) is cancelled or reversed by any party for any reason; (b) the TREATS Points awarded to a Cardmember exceeds the specified cap; and/or (c) it is determined by Maybank that the Cardmember has breached one of the terms stated herein.
• The TREATS Points earned under this promotion are not transferable or exchangeable for other goods and services, other than those determined by Maybank.
• If the Cardmember terminates the Card account, any accumulated TREATS Points will be forfeited. Maybank reserves the right to reverse TREATS Points awarded to a Cardmember in the event of any refunded, disputed, unauthorised or fraudulent retail purchases as well as Goods and Services Tax (GST) that were charged to the Card during the promotion period and were taken into account in the 8X and 5X TREATS Points calculation.
• Maybank has the sole discretion to exclude any person from participating in this promotion without any obligation to furnish any notice and/or reason.
• Maybank may vary, delete or add to any of these terms and conditions, or withdraw, suspend or discontinue the promotion at any time without any notice or liability to any person.
• Maybank shall not be liable for any claims, expenses, loss or damages incurred by the Cardmember or any party arising from or in connection with the incorrect TREATS Points being awarded to the Cardmember in respect of any transaction due to any reason whatsoever or howsoever (including but not limited to the incorrect classification of category in respect of any transaction).
• Maybank’s decision on all matters relating to the 8X and 5X TREATS Points promotion shall be final and binding on all Cardmembers and any other person.
• In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional materials relating to this promotion, these terms and conditions shall prevail.
• The general Terms and Conditions governing TREATS Points Rewards and the Cardmember's Card account shall apply. Please visit www.maybank2u.com.sg for more details.

• This promotion is valid for bookings made between 1 January and 31 December 2018 and for stay between 1 January 2018 and 31 March 2019.
• To enjoy the benefit of the TREATS Points incentive, Cardmembers must (i) make booking via the dedicated website at www.agoda.com/horizon, (ii) enter Maybank Horizon Visa Signature Principal Cardmember's NRIC/Passport No. and (iii) settle payment with their Card to be entitled to the Bonus TREATS Points, of which AGODA is the party receiving and handling the payment from the Cardmembers.
• 8 TREATS Points (equivalent to 3.2 air miles for every S$1 spent) will be awarded for every S$1 spent on eligible hotel bookings via www.agoda.com/horizon.
• The 8X TREATS Points awarded under this Promotion consist of: i) the usual 1 TREATS Point received by Cardmembers under the TREATS Point programme; and ii) 7 Bonus TREATS Points.
• To earn Bonus TREATS Points, a minimum spend of S$300 in a calendar month (“Minimum Spend”) is required.
• The Bonus TREATS Points will be credited to Cardmember's credit card account within 45 working days of Cardmember’s departure from hotel.
• The TREATS Points will not be awarded to Cardmembers who elect to use other discounts, promotions, discounted items and fixed price items (unless otherwise specified).
• The TREATS Points incentive is only valid for hotel bookings that have the green "Promotion Eligible" banner on the search results page.
• TREATS Points can only be earned by one Cardmember per room and cannot be split between two or more Cardmembers occupying the same room.
• Where TREATS Points are earned on the basis of the amount spent, unless otherwise specified, TREATS Points are only earned on the accommodation component of the stay, not on ancillary charges such as meals, minibar, beverages, phone, laundry or other extra costs charged to the room account.
• The Cardmembers are bound by the terms and conditions of AGODA and Maybank.
• In case of dispute, the decision of AGODA and Maybank shall be final.

• Complimentary lounge access is only valid at Ambassador Transit Lounge at Singapore Changi Airport and Plaza Premium Lounge at Singapore Changi Airport, Kuala Lumpur International Airport and Hong Kong International Airport.
• To receive the complimentary lounge access a Cardmember must charge a minimum amount of S$400 in a single transaction on air tickets or travel packages to his/her Card within 3 months prior to the date of lounge access (“Eligible Travel‐Related Transaction”). Only one (1) complimentary lounge access will be issued to the Cardmember regardless of the number of tickets purchased and whether the tickets purchased are one‐way or for return travel.
• The complimentary lounge access is for use by the Cardmember only and cannot be transferred or used by another individual.
• Each Cardmember may redeem a maximum of one (1) complimentary lounge access per day.
• Access to lounge without an Eligible Travel‐Related Transaction will be charged at S$44.94 (includes GST).
• Maybank reserves the right to charge the Cardmember the airport lounge fees should the Eligible Travel‐Related Transaction be cancelled for any reason or should the Cardmember access the lounges more than once.
• Maybank shall not be liable for any claims, expenses, loss or damages incurred by the Cardmember or any party arising in respect of this promotion due to any reason whatsoever (including but not limited to the incorrect classification of category in respect of any transaction).
• Payment must be made with the Card to enjoy 20% off walk‐in rates for Cardmember’s guest(s) at Plaza Premium Lounge.
• Airport Lounges’ terms and conditions apply.