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  • Credit Card BYTES FROM OUR KITCHEN

    Ambank Credit Card

    AmBank provides you with a variety of credit cards to suit the varying requirements of its large consumer base. The bank offers you cashback cards, rewards cards, travel cards, and shopping cards, among many others.

    Quick Links

    Features and Benefits

    • Get a free supplementary card along with your principal AmBank credit card.
    • With the balance transfer feature, transfer outstanding balances on other banks’ cards to your AmBank credit card for reduced interest.
    • With the Easy Payment Plan and the AmFlexi-Pay plan, convert large retail purchases into affordable monthly payments.
    • Pay your utility bills via AmBank’s auto-bill payment feature automatically with a standing instruction.
    • Keep a track of all expenses on your card via monthly e-statements.
    • Opt for the excess limit service on your card to spend more than your card’s designated limit.
    • Get complimentary travel insurance coverage when you book the entire cost of your flight tickets using AmBank cards.

    Ambank Credit Cards – An Overview

    Card Name Ideal For Key Benefit Annual fee Annual Income Requirement
    AmBank SIGNATURE Priority Banking World MasterCard Travel booking and overseas purchases. Earn 5x AmBonus Points with overseas purchases and convert them to Air Miles at more than 50 Airline partners. Free RM120,000
    AmBank SIGNATURE Priority Banking Visa Infinite Traveling and overseas shopping. Get 5x AmBonus Points with every overseas purchase and convert them to Air Miles at over 50 Airline partners. Free RM120,000
    AmBank World MasterCard Traveling and making overseas purchases. Use the card outside Malaysia and earn 5x AmBonus Points with every purchase and convert the points to get discounted airfare via AirMiles. Free RM120,000
    AmBank Visa Infinite Traveling and overseas purchases. Earn 5x AmBonus Points every time you use the card overseas and convert the points into AirMiles. Free RM120,000
    AmBank Visa Signature Discounted travel and overseas purchases. Earn 3 AmBonus Points with every RM1 spent overseas. Free RM80,000
    AmBank BonusLink Visa Signature Purchases of petrol, grocery, and cinema tickets, and online shopping. Earn up to 10x BonusLink Points with petrol, grocery, cinema tickets and other purchases made at partner outlets RM583 (Waived for first 2 years). RM80,000

    AmBank Platinum MasterCard

    AmBank Platinum Visa Card

    Local and overseas purchases. Earn 1 AmBonus Point with very RM1 spent locally and 2 AmBonus Points with every RM1 spent overseas. Free RM48,000
    AmBank BonusLink Visa Platinum Purchasing grocery, petrol, grocery, cinema tickets, and online. Earn 10x BonusLink Points at Shell Petrol, dining, groceries, online and Parkson purchases among many others. RM477 (Waived for first 2 years). RM48,000
    AmBank CARz Card Petrol purchases. Earn up to 5% cash rebate at petrol purchases and 1 CARz point per RM1 spent using the card. Free Platinum: RM48,000
    Gold: RM24,000
    AmBank BonusLink Visa Gold Online purchases, dining, and purchases of grocery, petrol, grocery, cinema tickets. Earn 10x BonusLink Points at petrol, grocery, movie tickets, dining, and many more at participating outlets. RM238.50 (Waived for first 2 years). RM24,000

    AmBank Gold MasterCard

    AmBank Gold Visa Card

    Shopping locally and overseas. Earn 1 AmBonus Point with every RM1 you spend. Free RM24,000
    AmBank M-Signature Making local and overseas purchases. Earn 9 Bonus Points with every RM10 spent overseas and 3 Bonus Points with every RM10 spent locally. RM583 (Waived for first 2 years). RM80,000
    AmBank M-Platinum Shopping overseas and locally. Earn 3 and 6 AmBonus Points with every RM10 spent locally and overseas respectively. RM477 (Waived for first 2 years). RM48,000
    AmBank M-Gold Retail purchases. Earn 2 sets of AmBonus Points with every retail purchase. RM238.50 (Waived for first 2 years). RM24,000
    AmBank TRUE VISA Credit Card Online purchases. Earn 3% cashback when you use the card for online shopping. Waived for life. RM36,000

    AmBank Cosway Gold MasterCard

    AmBank Cosway Platinum MasterCard

    Cosway store purchases. Shop at Cosway stores and earn 3x Cosway Points. Waived for life. Platinum: RM48,000
    Gold: RM24,000

    Best AmBank Credit Cards

    AmBank TRUE VISA Credit Card: Best for Cashback

    • Earn 3% cash rebate every time you shop online.
    • The cashback has a monthly cap of RM30.
    • The card comes with auto bill payment feature that pays your utility bills automatically via standing instructions.
    • With the AmFlexi-Pay and the 0% Easy Payment Plan, convert your larger retail purchases into more manageable and affordable instalments.

    AmBank CARz Card: Best for Petrol

    • Earn up to 5% cash rebate on petrol purchases.
    • The maximum amount of cash rebate earned is RM80 per month.
    • Earn 1 CARz point with every RM1 spent on retail purchases.
    • Get 2x complimentary airport lounge access and 25% discount on shopping at airport lounges.

    AmBank BonusLink Visa Signature: Best for Rewards

    • Earn 30 BonusLink Points with every RM10 spent on:
      • Parkson purchases
      • Shell petrol
      • Groceries
      • Dining
      • Online shopping
      • Entertainment like movie tickets
    • Earn 6 BonusLink Points and 3 BonusLink Points with every RM10 spent locally and overseas respectively.
    • Get 5x complimentary access to Plaza Premium Lounge and up to 25% discount at lounge shopping.
    • Redeem 5,700 BonusLink Points and get a cashback of RM50.

    AmBank World MasterCard: Best for Travel

    • Earn 5x AmBonus Points with every purchase you make overseas.
    • Convert AmBonus Points into AirMiles from 50 Airline partners at the rate of 5,000 AmBonus Points = 1,000 AirMiles.
    • Enjoy unlimited access to Plaza Premium Lounges in over 26 major countries.
    • Get up to 50% discount on green fees at Golf courses in South East Asia.
    • Get 50% off dining and 10% off accommodation at Hilton Hotels in Malaysia, Thailand, and China.

    Rewards Programme

    • BonusLink Cash Credit Redemption Programme: You can earn BonusLink Points every time you use your AmBank BonusLink cards. Under AmBank’s BonusLink Cash Credit Redemption Programme, you can convert these points into cash at the rate of 5,700 BonusLink Points = RM50. The redemption can be done only in multiples of RM50.
    • AmBonus Rewards Redemption: With every use of your AmBank credit card, you can earn AmBonus Points. You can redeem these points to get items from AmBonus Rewards Catalogue.
    • AmBonus on the Spot Redemption: Accumulate 1,500 AmBonus Points and redeem them on the spot at Courts, Cosway, ESH, Sen Heng, MYDIN, and SenQ.

    Ambank Credit Card Promotion

    • Apply for a new AmBank BonusLink Visa Credit Card and make a transaction within the first 30 days of approval to get 10,000 BonusLink Points. The offer is valid only for new customers who do not hold any AmBank card and will be in force till 31 December 2018.
    • Buy Samsung Galaxy S9 and S9+ on easy instalments using your AmBank credit card for 18 months at 0% via Easy Instalment Plan. In addition to the offer, you can also earn 1 AmBonus Point per RM1 spent for purchase of Samsung Galaxy S9 and S9+.

    Payment Plans

    • Easy Payment Plan: With Ambank Easy Payment Plan, you can enjoy up to 24 months instalment payment on your purchase at participating merchants. The facility has an interest rate that can go as low as 0% for 3 to 6 months with a minimum bill of RM500.
    • AmFlexi-Pay: With AmFlexi-Pay facility, you can convert retail transactions carried out using your AmBank card into monthly instalments over 24 months.
    • Balance transfer: With AmBank Balance Transfer feature on your AmBank card, you can transfer outstanding balances on other banks’ credit cards to your AmBank card. You can even choose from flexible tenure options that go up to 36 months.

    Balance Transfer Plans

    Plan Interest Rate Tenure Minimum Transfer Amount Maximum Transfer Amount
    A 0% p.a. 12 months RM4,000 RM30,000
    B 4.88% p.a. 12 months RM1,000 Up to the available credit limit
    B 4.88% p.a. 24 months RM1,000 Up to the available credit limit
    B 4.88% p.a. 36 months RM1,000 Up to the available credit limit

    Insurance Plans

    • Travel Insurance: When you charge the full cost of your flight tickets to your AmBank Card, you will get complimentary travel insurance up to RM2 million depending on the type of card you have.
    • Wallet Guard: Wallet guard protection facility keeps you covered against cases of wallet theft or robbery.

    Eligibility Criteria

    Age of Principal Cardholder 21 Years
    Age of Supplementary Cardholder 18 Years
    Income Requirement

    AmBank SIGNATURE Priority Banking World MasterCard: RM120,000 p.a.

    AmBank SIGNATURE Priority Banking Visa Infinite: RM120,000 p.a.

    AmBank World MasterCard: RM120,000 p.a.

    AmBank Visa Infinite: RM120,000 p.a.

    AmBank Visa Signature: RM80,000 p.a.

    AmBank BonusLink Visa Signature: RM80,000 p.a.

    AmBank Platinum: RM48,000 p.a.

    AmBank BonusLink Visa Platinum: RM48,000 p.a.

    AmBank CARz Card Platinum: RM48,000 p.a.

    AmBank CARz Card Gold Visa: RM24,000 p.a.

    AmBank BonusLink Visa Gold: RM24,000 p.a.

    AmBank Gold: RM24,000 p.a.

    AmBank M-Signature: RM80,000 p.a.

    AmBank M-Platinum: RM48,000 p.a.

    AmBank M-Gold: RM24,000 p.a.

    AmBank TRUE VISA Credit Card: RM36,000 p.a.

    AmBank Cosway MasterCard Platinum: RM48,000 p.a.

    AmBank Cosway MasterCard Gold: RM24,000 p.a.

    Nationality Malaysian

    Documents Required

    For Salary-Earning Individuals

    • One copy of NRIC (both sides).
    • One copy of latest utility bill.
    • Latest EPF statement, EA form, or income tax return form with payment receipt.
    • Copies of the last 3 months’ salary slips.

    For Self-Employed Individuals

    • One copy of NRIC (both sides).
    • 6 latest months’ bank statement.
    • Recent income tax return form.
    • Business registration form.

    Fees and Charges

    Fee Amount
    Annual fee (Principal card) AmBank SIGNATURE Priority Banking World MasterCard: No charge.
    AmBank SIGNATURE Priority Banking Visa Infinite: No charge.
    AmBank World MasterCard: No charge.
    AmBank Visa Infinite: No charge.
    AmBank Visa Signature: No charge.
    AmBank BonusLink Visa Signature: RM583.
    AmBank Platinum: No charge.
    AmBank BonusLink Visa Platinum: RM477.
    AmBank CARz Card: No charge.
    AmBank BonusLink Visa Gold: RM238.50.
    AmBank Gold: No charge.
    AmBank M-Signature: RM583.
    AmBank M-Platinum: RM477.
    AmBank M-Gold: RM238.50.
    AmBank TRUE VISA Credit Card: No charge.
    AmBank Cosway MasterCard: No charge.
    Annual fee (Supplementary card) AmBank SIGNATURE Priority Banking World MasterCard: First 3 supplementary cards are free. 4th card has an annual fee of RM188.
    AmBank SIGNATURE Priority Banking Visa Infinite: First 3 supplementary cards are free. 4th card has an annual fee of RM188.
    AmBank World MasterCard: First 3 supplementary cards are free. 4th card has an annual fee of RM188.
    AmBank Visa Infinite: First 3 supplementary cards are free. 4th card has an annual fee of RM188.
    AmBank Visa Signature: First 3 supplementary cards are free. 4th card has an annual fee of RM188.
    AmBank BonusLink Visa Signature: RM318.
    AmBank Platinum: First 3 supplementary cards are free. 4th card has an annual fee of RM188.
    AmBank BonusLink Visa Platinum: RM265.
    AmBank CARz Card: Platinum: First 3 supplementary cards are free. 4th card has an annual fee of RM188. Gold: First 3 supplementary cards are free. 4th card has an annual fee of RM75.
    AmBank BonusLink Visa Gold: RM132.50.
    AmBank Gold: First 3 supplementary cards are free. 4th card has an annual fee of RM75.
    AmBank M-Signature: RM318.
    AmBank M-Platinum: RM265.
    AmBank M-Gold: RM132.50.
    AmBank TRUE VISA Credit Card: First 3 supplementary cards are free. 4th card has an annual fee of RM75.
    AmBank Cosway MasterCard: Platinum: First 3 supplementary cards are free. 4th card has an annual fee of RM188. Gold: First 3 supplementary cards are free. 4th card has an annual fee of RM75.
    Retail interest rate For AmBank TRUE VISA Credit Card: 7.99% p.a. to 18% p.a.
    For all other cards: 15% p.a. to 18% p.a.
    Cash advance interest rate 18% p.a.
    Cash advance fee For AmBank TRUE VISA Credit Card, AmBank BonusLink Visa cards and AmBank M-Card: 5% of the cash withdrawn or a minimum of RM15.90.
    For all other cards: 5% of the cash withdrawn or a minimum of RM53.
    Minimum monthly payment 5% of the total outstanding amount or a minimum of RM50, whichever is higher.
    Late payment fee A minimum of RM10 or 1% of the outstanding amount, whichever is higher (Maximum of RM100).
    Overseas transaction fee For AmBank TRUE VISA Credit Card, AmBank BonusLink Visa cards and AmBank M-Card: To be determined by the exchange rate of MasterCard/Visa International.
    For all other cards: All overseas transactions carried out in other currencies will be converted into Malaysian Ringgit by MasterCard or Visa International plus a 1% administration cost charged by AmBank.

    Activating or Cancelling Your Card

    To activate your card, you can choose either of the following ways:

    • SMS
      • Type ACVLast 5 digit of your credit card number.
      • Send it to 66300.
    • Contact Centre
      • Call AmBank’s contact centre at 03-2178 8888 to activate your card.

    To cancel or discontinue your AmBank card, contact AmBank via its customer service numbers and request for the same.

    Credit Card Statements

    You can check your monthly statements via online banking offered by AmBank or opt to receive e-statements on a monthly basis on your registered email address.

    To receive additional hard copies of your credit card statement to your mailing address, you need to pay an amount of RM12.72 p.a.

    You can receive e-statements on your phone by following the process below:

    • Type est your 12-digit IC number your email address the last 4 digits of your credit card.
    • Send it to 66300.

    Security Features

    • EMV chip: Your AmBank card comes with an embedded EMV chip that can help you carry out secured transactions using your card.
    • E-Commerce Purchase Protection: Your online purchases will be protected up to a specific limit in case of accidental damage or loss when you use your card to make the payment.
    • Pin and Pay: For secured transactions, you have to enter your PIN for every transaction made on your card.

    Lost Card Liability

    In case of a lost or stolen card, you need to contact the bank via its customer service numbers immediately in order to prevent any fraudulent transactions on your card.

    You must file a police report and forward the same to Bank. Doing so will limit the liability to RM250. If the loss or theft is not notified to the bank on time, then you will be held liable for any fraudulent or unauthorised transaction carried out with the card.

    How Do You Increase/Decrease the Credit Limit?

    AmBank cards come with an excess limit service through which you exceed the designated limit on your card. You can opt for the same by following the process given below:

    • Type ELS your 12 digit IC number N.
    • Send the message to 66300.

    You can opt to decrease the credit limit on your card by contacting AmBank via its hotline and customer service numbers with the request for the same.

    Ambank has a wide range a credit cards, whether you need a conventional one or a Shariah-compliant card. To make the most of what benefits each card offers, you need to ensure that you try and use the card for all kinds of transactions.

    Frequently AskedQuestion’s

    Q. How long is the interest-free period for my credit card?

    A. The interest-free period is 20 days from the date of statement release.

    Q. How much will it cost me to get my AmBank card replaced?

    A. You will be charged with a fee of RM25 per replacement.

    Q. What is the credit limit assigned for my AmBank credit card?

    A. Credit limit assigned to your card directly depends upon your monthly salary. The maximum credit limit available on AmBank card is 3 times your monthly salary. Whereas, if your income is lesser than RM36,000 p.a., the maximum credit limit you can get on your card is 2 times your monthly salary.

    Q. What charges do I need to bear if I opt for excess limit service on my card?

    A. You will be charged with a fee of 2% of the amount exceeding your credit limit.

    Q. How can I access cash using my AmBank credit card?

    A. You can withdraw cash using your AmBank at any ATM. You can also opt for QuickCash facility to get emergency funds.

    Q. What is the QuickCash facility?

    A. QuickCash facility helps you get extra cash at times of need at low interest rate of 5.88% p.a. and a low management fee over tenure of 36 months. You can use the funds for home renovation, education, weddings, holiday, emergencies, and other reasons.

    Q. Is there a lock-in period associated with balance transfer plans, Flexi payment plan and QuickCash feature?

    A. Yes, the lock-in period may vary from service to service.

    Q. Can I settle the balance transfer plan, QuickCash plan, and Flexi payment plan services before their maturity?

    A. Yes, you can settle these services before their maturity date. In such cases, you need to bear the following early settlement fees:

    For AmBank TRUE VISA Credit Card, AmBank BonusLink Visa cards and AmBank M-Card: No charge.

    For all other cards:

    Balance transfer and QuickCash: RM100.

    For Flexi payment plan: RM50.

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