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  • Credit Card BYTES FROM OUR KITCHEN

    Ambank Credit Card

    AmBank is the largest bank in Malaysia. It offers a wide range of conventional and Islamic products. The AmBank group caters to the needs of a wide spectrum of customers. It offers excellent service to corporates, SMEs, government agencies, institutions, and individuals.

    Why Choose AmBank Credit Card?

    AmBank offers conventional and Islamic Credit Cards. The Islamic Credit Cards offered are based on the Shariah principles. You can earn rewards and Airline Miles. You will get a wide range of privileges with your credit card. It also offers wallet guard, travel insurance, and e-commerce purchase protection. You can also get concierge services at any time. You can get easy payment plan and enjoy the convenience of auto bill pay.

    Features and benefits of AmBank Credit Cards

    The following are the various features and benefits of AmBank Credit Cards:

    • 24-hour customer service and concierge services are available.
    • AmBonus Points can be earned on overseas and local spend.
    • You can convert the AmBonus Points to Air Miles.
    • You can convert Airline Miles at over 50 airline partners.
    • Various dining and hotel room privileges are offered.
    • The Bonus Points can be redeemed easily. Spot redemption of the points is also allowed.
    • Retail transactions can be converted to affordable monthly installments.
    • You can enjoy up to 24 months’ free installment plan which makes it easier for you to purchase home products, electronic devices, and kitchen appliances.
    • You can pay your insurance, utility bills, etc. through AutoBillPay. The amount will be debited from your credit card account.
    • You can subscribe to excess limit service and not have to worry about exceeding your assigned credit limit.
    • You can stay green by availing the Go eStatement.
    • You can save on interest by transferring the outstanding balances from your other credit cards to your AmBank Credit Cards.
    • You get premium lounge access at major airports.
    • You get travel insurance coverage of up to RM2 million.
    • The 3D secure feature enhances the card security and protection.

    Types of Credit Cards offered by AmBank

    The following are the various types of credit cards offered by AmBank:

    1. AmBank World MasterCard:
      • This credit card is reserved for the select few. It comes with contactless payment feature. You get a tee off time at the finest golf courses. You get up to 50% off on green fees. You can convert the AmBonus Points to Air Miles with Frequent Flyer Programs. You can redeem 5,000 AmBonus Points for 1,000 Air Miles. You get unlimited complimentary airport lounge access. The accompanying guest will get 20 – 25% discount on the lounge access.
      • You get travel insurance of up to RM2 million when you pay the airline ticket with this card. You also get a wallet guard and e-commerce purchase protection. You get various dining and accommodation privileges with your complimentary Hilton Premium Club Membership Card. You get 24-hour MasterCard Customer Service assistance.
      • You can earn 5x AmBonus Points when you use your card overseas. The rewards earned can be easily redeemed for the best products. You can also redeem anything on the spot with 1,500 AmBonus Points.
      • You can opt for easy payment plan program and enjoy 24-months interest fee installment payment. You can also enjoy the convenience of AutoBillPay. Your utility bills are paid automatically. You can also convert your retail purchases into monthly instalments.
    2. AmBank Visa Infinite:
      • With this card, you can convert the AmBonus Points with Enrich Miles, AirAsiaBiG, Singapore Airlines KrisFlyer, and Asia Miles. You can redeem 5,000 AmBonus Points for 1,000 Air Miles. You also get complimentary airport lounge access and your guests will get 20 – 25% discount.
      • When you purchase your travel ticket with this credit card, you get up to RM2 million travel insurance coverage. You get to enjoy dining and hotel room privileges with the complimentary Hilton Premium Club Membership Card.
      • The Visa Customer Care and Concierge will be at your service 24x7. You can earn 5x AmBonus Points when you spend overseas. You can redeem the AmBonus Points for amazing products and you can redeem those on-the-spot at participating partner outlets.
      • You get to enjoy 24 month interest-free period with Easy Payment Plan. You can enjoy the convenience of AutoBillPay as you needn’t keep track of your bills. You can convert the expensive retail purchases to monthly installments.
    3. AmBank Visa Signature:
      • You can convert AmBonus Points to Air Miles. You can also enjoy 5x complimentary access to airport lounges. The accompanying guest will get 20 – 25% discount at the airport lounge. You will get travel insurance coverage of up to RM1 million when you pay the airline tickets with this card. You can enjoy the hotel room and dining privileges with the complimentary Hilton Premium Club Membership Card.
      • The Customer Service and Concierge Service will assist you 24x7. You can earn 3x AmBonus Points when you spend overseas. You can redeem the points for great deals and on-the-spot redemption is also possible at select outlets.
      • You can enjoy 0% Easy Payment Plan that is offered for a period of 24 months. Purchases worth RM500 can be converted to Easy Payment Plan. You will never be late to pay your bills as you can now auto pay them through AutoBillPay. You opt for AmFlexi-Pay, the management fee is as follows:
      Tenure Management fee Minimum spend
      6 months 3% RM500
      12 months 4% RM2,000
      18 months 5% RM4,000
      24 months 6% RM5,000
    4. AmBank BonusLink Visa:
      • This is a 2-in-1 credit card, you can enjoy the best of Visa Signaure/Platinum/Gold Credit Card and BonusLink Card. You can earn 10x BonusLink Points. You can earn 30 BonusLink Points for every RM10 spent at selected retail stores. When you use this card at partner outlets, you can earn AmBonus Points and BonusLink Points.
      • You get 3 BonusLink Points for every RM10 spent on local retail transactions. You can earn 6 BonusLink Points for every RM10 spent overseas with your Visa Signature or Platinum Card. You get 3 BonusLink Points for every RM10 spent overseas with your Visa Gold Card.
      • You get up to 5 complimentary airport lounge access and the accompanying guest will get a discount. You get up to RM2 million travel insurance coverage with Visa Signature, up to RM1 million with Visa Platinum, and RM500,000 with Visa Gold when you pay the airline fare with this card.
      • You can make the most of the AutoBillPay as you don’t have to stand in long queues or miss any payments. You can also choose 0% Easy Payment Plan and AmFlexi-Pay plan.
      • The annual fee is waived for the first 2 years and it will be waived for subsequent years if you swipe for at least 12 times.
    5. AmBank Platinum MasterCard:
      • You get up to 2 complimentary airport lounge access and the accompanying guest will get a discount. You can make the repayments online through internet banking. You can make the most of 0% easy installment plan which is offered for up to 36 months.
      • You will get travel insurance coverage of up to RM1 million when you pay the airline tickets with this card. You also get e-commerce purchase protection to safeguard the products you purchased online.
      • You can enjoy the hotel room and dining privileges with the complimentary Hilton Premium Club Membership Card. You get access to exclusive Wealth Management Services. The MasterCard or Visa Customer Service will be able to assist you 24x7.
      • You can earn 1 AmBonus Point for every RM1 spent. You will get 2 AmBonus Points for your overseas spend. You can redeem the points for great deals and on-the-spot redemption is also possible at select outlets.
      • You can get 0% Easy Payment Plan, AutoBillPay, and AmFlexi-Pay Plan.
    6. AmBank CARz MasterCard:
      • This card is ideal for motorists and it comes with auto-related benefits. You get to enjoy various discounts and rebates. You earn 1 CARz Point for every RM1 spent.
      • You can enjoy 0% Easy Payment Plan that is offered for a period of 24 months. You can make the most use of AutoBillPay. You opt for AmFlexi-Pay and convert the retail transactions to monthly installments. You get travel insurance coverage of up to RM1 million, if you pay the airline ticket with this card. You will also get e-commerce protection for your online purchases.
    7. AmBank Gold MasterCard:
      • You can get 0% Easy Installments for up to 36 months at selected merchant outlets. You can pay the credit card bills online, 24-hours e-banking centres, and branches. When you purchase an airline ticket with this credit card, you get travel insurance coverage of up to RM500,000. You earn 1 AmBonus Point for every RM1 spent.
      • The points can be redeemed for exciting products and on-the-spot at participating partner outlets.
      • You can opt for 0% Easy Payment Plan, AutoBillPay, and AmFlexi-Pay.
    8. AmBank M-Signature Visa Card:
      • You earn 3 BonusLink Points for every RM10 spend. You can also get 2 sets of points from the transaction. When you spend RM10 at local retail store, you earn 3 BonusLink Points. If you spend RM10 at an overseas retail store, you earn 9 BonusLink Points. You can redeem 5,700 BonusLink Points for RM50 cash credit. This card offers exclusive privileges for ladies.
      • When you purchase an airline ticket with this credit card, you get travel insurance coverage of up to RM2 million. You get to enjoy 5 complimentary airport lounge access and your guest will get a discount. You can get 0% Easy Payment Plan, AutoBillPay, and AmFlexi-Pay Plan. You can enjoy the hotel room and dining privileges with the complimentary Hilton Premium Club Membership Card.
    9. AmBank M-Platinum MasterCard:
      • You earn 3 BonusLink Points for every RM10 spend. You can also get AmBonus Points and BonusLink Points for the transaction. When you spend RM10 at local retail store, you earn 3 BonusLink Points. If you spend RM10 at an overseas retail store, you earn 9 BonusLink Points. You can redeem 5,700 BonusLink Points for RM50 cash credit.
      • Exclusive privileges are offered to the ladies.
      • When you purchase an airline ticket with this credit card, you get travel insurance coverage of up to RM2 million. You will also get e-commerce purchase protection. You get to enjoy 2 complimentary airport lounge access and your guest will get a discount. You can enjoy the hotel room and dining privileges with the complimentary Hilton Premium Club Membership Card. You can get AutoBillPay, 0% Easy Payment Plan, and AmFlexi-Pay Plan.
    10. AmBank M-Gold Visa Card:
      • You earn 3 BonusLink Points for every RM10 spend. You can also get AmBonus Points and BonusLink Points for the transaction. You can redeem 5,700 BonusLink Points for RM50 cash credit. Exclusive privileges are offered to the ladies.
      • You get travel insurance coverage of up to RM1 million when you purchase an airline ticket with this credit card. You can get AutoBillPay, 0% Easy Payment Plan, and AmFlexi-Pay Plan.
    11. AmBank True Visa Card:
    12. With this card, you can get 0% easy installments for up to 36 months. You will be rewarded an interest rate of 12% if you make prompt payments. You can get AutoBillPay, AmFlexi-Pay Plan, and 0% Easy Payment Plan.

    13. AmBank True Visa Credit Card:
    14. With this card, you can get 3% cash rebate for online transactions. The cash rebate is capped at RM30 per month. You can get AutoBillPay, 0% Easy Payment Plan, and AmFlexi-Pay Plan.

    15. AmBank Imagine Visa Card:
    16. You get to enjoy a wide range of privileges with this card that will enhance your lifestyle. You can get AutoBillPay, 0% Easy Payment Plan, and AmFlexi-Pay Plan. You can also get exclusive discounts at selected restaurants, pubs, movies, and coffee houses. You earn 1 AmBonus Point for every RM1 spent.

    17. AmBank Cosway MasterCard:
    18. With this card, you earn 3x Cosway Points on every transaction. When you spend RM1, you will earn 1 Cosway Point on local purchases, 2 Cosway Points on overseas purchases, and 3 Cosway Points on purchases at Cosway. You can get AutoBillPay, 0% Easy Payment Plan, and AmFlexi-Pay Plan.

      When you purchase an airline ticket with this credit card, you get travel insurance coverage of up to RM2 million. You will also get e-commerce purchase protection.

    Eligibility Criteria to avail AmBank Credit Card

    If you wish to get an AmBank Credit Card, you must meet the following eligibility requirements:

    • Principal card applicant minimum age – 21 years.
    • Supplementary card applicant minimum age – 18 years.
    • Minimum income:
      • World MasterCard – RM120,000 p.a.
      • Visa Infinite Card-i – RM120,000 p.a.
      • Signature – RM80,000 p.a.
      • Platinum – RM48,000 p.a.
      • Al Taslif Platinum Card-i – RM48,000 p.a.
      • Al Taslif Gold Card-i – RM24,000 p.a.
      • TRUE Card-i – RM36,000 p.a.
      • CARz Card-i – Platinum MasterCard: RM48,000 p.a. Gold Visa: RM24,000 p.a.

    Documents Requirements to apply for AmBank Credit Cards

    You are required to submit the following documents along with the duly filled application form:

    • Salaried applicant:
      • A copy of MyKad.
      • One month salary slip.
      • 1-month bank statement.
      • A copy of EPF statement.
    • Self-employed applicant:
      • A copy of MyKad.
      • 6 months’ bank statement.
      • Form 9, 24, 49.
      • Business Registration Certificate.
      • Latest Form B/BE with tax receipt.
    • Commission earner:
      • Latest Form B/BE with tax receipt.
      • A copy of MyKad.
      • 1-month salary slip.

    AmBank Credit card Promotion

    You will get to enjoy the following promotions with AmBank Credit Cards:

    • A cardholder can get 10% of cash back on spending a minimum of RM50 at Caltex station
    • A cardholder can enjoy an interest rate of 5.88% flat per annum with the QuickCash campaign
    • A cardholder can make his/her purchases and convert them into affordable instalment plan through the AmFlexi-Pay campaign

    AmBank Balance Transfer

    You can transfer the outstanding balances from another credit card to this card. You will get to choose from 3 plans:

    Plan A:

    The interest rate charged is 4.99% p.a. The tenure offered is 6 months and the minimum amount that can be transferred is RM1,000.

    Plan B:

    The interest rate charged is 8.99% p.a. The tenure offered is 12 months and the minimum amount that can be transferred is RM5,000.

    Plan C:

    The interest rate charged is 8.99% p.a. The tenure offered is 24 months and the minimum amount that can be transferred is RM5,000.

    You can download the Balance Transfer application form online and fax it to 03-2171-3018.

    Fees and Charges

    The following are the fees and charges applicable to the credit cards:

    Annual fees – Principal card

    Free for life.

    BonusLink VISA Signature/ M-Signature – RM583

    BonusLink VISA Platinum/ M-Platinum – RM477

    BonusLink VISA Gold/ M-Gold – RM238.50

    TRUE Card – Free for life.

    Annual fees – supplementary card

    1st 3 card are free.

    4th supplementary card onwards – RM188 p.a. for Platinum, Signature, World, and Infinite cards. RM75 p.a. for Gold cards.

    BonusLink VISA Signature/ M-Signature – RM318

    BonusLink VISA Platinum/ M-Platinum – RM265

    BonusLink VISA Gold/ M-Gold – RM132.50

    TRUE Card – First 3 cards are free, RM75 p.a. will be charged for 4th supplementary card onwards.

    Minimum monthly repayment RM50 or 5% of the outstanding amount, whichever is higher.
    Finance charges 15% p.a. – 18% p.a.
    Finance charge on cash advance 18% p.a.
    Cash advance fee RM53 or 5% of the amount plus GST, whichever is higher.
    Late payment fee RM10 or 1% of the outstanding balance, whichever is higher.
    Excess limit charge RM53 or 2% of the amount above card limit plus GST, whichever is higher.
    Interest-free period 20 days.
    Overseas transaction conversion fee Visa or MasterCard charges plus 1% administration cost.
    Card replacement fee RM25 per card.
    Monthly statement fee Delivered to your mailing address – RM12.72 p.a. eStatement – Free
    Sales draft retrieval fee

    RM21.20 per copy.

    M-Cards and True Card: Original – RM10.60 per copy.

    Photocopy – RM9.54 per copy.

    Duplicate statement request fee RM5.30 per copy.
    Finance charge - Balance Transfer 18% p.a.
    Fixed management fee – Islamic Cards

    Classic – RM450

    Gold or TRUE Card – RM900

    Platinum – RM3,750

    Visa Infinite/Visa Signature/World MasterCard – RM15,000

    How to apply for an AmBank Credit Card?

    You can apply for AmBank Islamic Credit Cards through the AmBank site. The application can be downloaded and submitted along with the required documents. You can also visit the nearest AmBank Islamic branch and submit the application over-the-counter. The application form can be faxed to the bank along with your records.

    How to increase AmBank Credit Card limit?

    You needn’t worry about exceeding the credit card limit as you can subscribe to the service to increase the credit limit. You can send an SMS to 66300 and subscribe to Excess Limit Service. You will be charged a 2% service fee on the amount plus 6% GST or a minimum of RM50 + GST, whichever is higher. The service will be granted based on account history.

    AmBank Credit Card Customer Care / Hotline Number

    You can reach AmBank at 03-2178-8888.

    AmBank Credit Card FAQs

    Q. Can I settle the balance transfer balance before its maturity?

    A. Yes, you can settle the balance before the maturity, but an early settlement fee will be charged.

    Q. How much travel insurance coverage will I get when I pay the airline ticket with AmBank Credit Card?

    A. You will get a travel insurance coverage of up to RM2 million depending on the type of card you have.

    Q. Can the AmBonus Points be converted to Air Miles?

    A. Yes, you can convert the AmBonus Points to Air Miles. You can redeem 5,700 AmBonus Points for 1,000 Air Miles.

    Q. What is the maximum management fee charged for AmFlexi-Pay Plan?

    A. The maximum management fee charged is 6% for 24 months.

    Q. What is the minimum amount that can be converted to 0% Easy Payment Plan?

    A. You can convert a minimum of RM500 for 0% Easy Payment Plan.

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