AmBank offers you a range of credit cards that are based on the Islamic banking principle. You can choose the card that meets with your everyday spending requirement the best from categories namely cashback, rewards, petrol, and travel cards.
|Card name||Ideal for||Key benefit||Annual fee||Annual Income Requirement|
|AmBank Islamic World Mastercard-i||Shopping and traveling overseas.||Earn 5x AmBonus Points with every overseas purchases and convert these points to Air Miles of over 50 airline partners.||No charge.||RM120,000|
|AmBank Islamic Visa Infinite Card-i||Traveling and staying overseas||Get 5x AmBonus Points with every overseas purchases and redeem the points to get Air Miles from more than 50 airline partners.||No charge.||RM120,000|
|AmBank Islamic Visa Signature Card-i||Overseas purchases and traveling.||Get 3x AmBonus Points with purchases made overseas and get discounts on airfare of more than 50 airline partners using these points.||No charge.||RM80,000|
|AmBank Islamic Al-Taslif Platinum Card-i||Shopping, dining, and hotel room booking||Earn 2x AmBonus Points with overseas purchases and enjoy discounts on hotel room bookings and dining.||No charge.||RM48,000|
|AmBank Islamic CARz Card-i||Petrol purchases||Get up to 5% cash rebate on petrol purchases.||No charge.||Platinum Mastercard: RM48,000|
|Gold Visa: RM24,000|
|AmBank Islamic Card Al-Taslif Gold/Classic Card-i||Shopping and auto-bill payment||Get 1 AmBonus Point per RM1 spend.||No charge.||RM24,000|
*Interest Rates: 15% - 18% (For all above cards)
|BT Plan||Minimum Transfer Balance Requirement||Minimum Transfer Balance Amount||Available Tenure (in Months)||Interest Rate (p.a.)|
|B||RM1,000||Equivalent to the credit limit||12||4.88%|
|B||RM1,000||Equivalent to the credit limit||24||4.88%|
|B||RM1,000||Equivalent to the credit limit||36||4.88%|
Only Malaysian citizens can apply for AmIslamic credit card-i.
|Card Name||Annual Income Required|
|AmBank Islamic World Mastercard-i||RM120,000 p.a.|
|AmBank Islamic Visa Infinite Card-i||RM120,000 p.a.|
|AmBank Islamic Visa Signature Card-i||RM80,000 p.a.|
|AmBank Islamic Al-Taslif Platinum Card-i||RM48,000 p.a.|
|AmBank Islamic CARz Card-I Platinum||RM48,000 p.a.|
|AmBank Islamic CARz Card-I Gold||RM24,000 p.a.|
|AmBank Islamic Card Al-Taslif Gold Card-i||RM24,000 p.a.|
|Annual Fee (Primary cards)||AmBank Islamic World Mastercard-i: No charge.|
|AmBank Islamic Visa Infinite Card-i: No charge.|
|AmBank Islamic Visa Signature Card-i: No charge.|
|AmBank Islamic Al-Taslif Platinum Card-i: No charge.|
|AmBank Islamic CARz Card-i: No charge.|
|AmBank Islamic Card Al-Taslif Gold Card-i: No charge.|
|Annual Fee (Supplementary cards)||AmBank Islamic World Mastercard-i: RM188 (From 4th card onwards).|
|AmBank Islamic Visa Infinite Card-i: RM188 (From 4th card onwards).|
|AmBank Islamic Visa Signature Card-i: RM188 (From 4th card onwards).|
|AmBank Islamic Al-Taslif Platinum Card-i: RM188 (From 4th card onwards).|
|AmBank Islamic CARz Card-i: RM188 for Platinum card and RM75 for Gold card (From 4th card onwards).|
|AmBank Islamic Card Al-Taslif Gold Card-i: RM75 (From 4th card onwards).|
|Retail interest rate||15-18% p.a.|
|Cash advance interest rate||18% p.a.|
|Cash advance fee||RM53.|
|Minimum monthly payment||5% of the outstanding balance or RM50, whichever is higher.|
|Late payment fee||RM10 or 1% of the outstanding balance, whichever is higher (max. RM100).|
|Overseas transaction fee||Determined by MasterCard or Visa International’s exchange rate plus a fee of 1% imposed by the bank.|
The maximum amount that you will liable for if your card gets lost or stolen in RM250. You are required to immediately inform the bank about the lost/stolen card in order to avoid any misuse of your card.
AmIslamic Bank offers you a range of credit cards for your everyday use. This includes shopping, travel, and petrol cards. You can find your suitable card by filtering the range on the basis of your requirements, the annual fee of the cards, and income requirement of the cards.
Q. What are the charges I need to bear to get a replacement card?
A. You will be charged with a fee of RM25 for a card replacement.
Q. How much credit limit can I get with my AmIslamic card?
A. If your annual income is less than RM36,000, the maximum credit limit you can get is twice your monthly salary. Whereas, if your income is more than RM36,000 p.a., there’s no limitation on the credit limit.
Q. What are the charges I need to bear if I exceed the assigned limit of my card?
A. You will be charged with an over-limit fee of RM53.
Q. Is there an interest-free period associated with AmIslamic cards?
A. AmIslamic cards come with a 20-day interest-free period from the date of statement release.
Q. Can I increase the credit limit of my card on a temporary basis?
A. Temporary increase in your card’s credit limit is subject to bank’s approval. You are required to justify to the bank your need of temporary increase in your credit limit via an application.
Q. Can I settle the balance transfer facility before it reaches its maturity? If yes, what are the charges I need to bear in such a case?
A. Yes, you can settle the balance transfer facility before its maturity. An amount of RM100 will be charged in the form of early settlement fee in such a case.
Q. Can I earn AmBonus Points on transactions made on facilities like balance transfer, Easy Payment Plan, and AmFlexi-Pay plan?
A. No, the transactions made for these facilities are not considered as the retail transactions that can earn you AmBonus Points.