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Maybank Horizon Visa Signature Card
Three years free + 2.8 miles per dollar on overseas spend — a no-brainer travel sidekick.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- First THREE years annual fee waived (industry-leading)
- 2.8 mpd on FCY is highly competitive
- Promotional 3.2 mpd on 8 countries (Apr-Jun 2026)
- Easy waiver from Year 4 at S$18k annual spend
- S$30,000 annual income (accessible)
The Bad
- No lounge access included
- S$800 minimum monthly spend required to earn bonus mpd
- TREATS Points expire after 3 years
- Mpd capped on certain categories
Lounge Access
0 lounge networks included
Guest Policy
Cardholder only
Purchase APR
27.90% Purchase / 28.00% Cash Advance
Credit Score
Good (Income S$30k+)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real SGD 196.20 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- SGD 520/yr
- Annual fee
- SGD 196.20/yr
- Net for your usage
- +SGD 323.80
At SGD 65 per visit, you cover the fee at about 4 visits per year.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
First 3 Years Annual Fee Waived
Offer Terms & Eligibility:
Welcome bonus varies (typically up to 30,000 miles for new cardholders).Lounge Networks
0 IncludedAdditional Travel Perks
Lounges Maybank Horizon Visa Signature Card Opens
No airport lounge access is included with this card based on the lounge networks AirportLounge.com tracks. That doesn't necessarily mean the card has zero lounge benefit — issuers occasionally bundle limited or one-time-use passes that aren't a tracked network. Always confirm the current benefit on the issuer's site before applying.
For lounge access, browse all cards with tracked lounge networks or compare against a card you're considering on Compare.
Popular Airports With Lounges
lounges are available at hundreds of airports worldwide