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    Ambank Islamic Credit Card

    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.

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    Features and Benefits

    • Get a supplementary card with your primary AmBank card.
    • Pay bills conveniently via standing instructions with the use of auto-bill payment feature on your card.
    • Transfer outstanding balances from your other banks’ cards onto your AmBank card via balance transfer plan and consolidate your existing debts.
    • Track the transactions carried out using your card and manage expenses with the use of e-statements.
    • Pay the bills of your purchases in easy monthly instalments via the Easy Payment Plan and the AmFlexi-Pay plan.
    • Get benefits from excess limit service that allows you to charge your card for more than its designated credit limit.

    List of AmBank Islamic 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)

    Best AmBank Islamic Credit Cards

    AmBank Islamic World Mastercard-i: Best for Travel

    • Get 5x AmBonus Points for every transaction carried out overseas.
    • Convert AmBonus Points into Air Miles of your preferred airline partner at the rate of 5,000 AmBonus Points = 1,000 Air Miles.
    • Get unlimited access to Plaza Premium Lounges in more than 26 major countries.
    • Get up to 50% discount on green fees at participating golf clubs in South East Asia.
    • Get a travel takaful coverage of up to RM2 million when you use your card to book your air ticket.
    • Get up to 50% discount at room rates at participating Hilton Hotels.

    AmBank Islamic Visa Infinite Card-i: Best for Rewards

    • Earn 5x AmBonus Points with every overseas purchase made using this card.
    • Get discounted airfare by converting your AmBonus Points into Air Miles of your preferred airline partner.
    • Enjoy unlimited access to Plaza Premium Lounges in 26 major local and international airports.
    • Get a complimentary travel takaful coverage worth RM2 million with ticket bookings.
    • Get dining and accommodation discounts at Hilton Hotels, Malaysia.

    AmBank Islamic CARz Card-i: Best for Petrol

    • Earn up to 5% cashback on your petrol purchases.
    • Earn 1 CARz point with every RM1 you spend on retail purchases.
    • Accumulate CARz points to get redeem auto-related services.
    • Get 2x complimentary access to Plaza Premium Lounges at 26 international and local airports.

    Rewards Programme

    • AmBonus Rewards Redemption: Accumulate AmBonus Points earned with every transaction made on your AmBank card and redeem gifts and items from AmBonus Rewards Catalogue.
    • AmBonus On-the-spot redemption: Earn 1,500 AmBonus Points and redeem items at the following participating merchants:
      • Courts
      • ESH
      • Sen Heng
      • SenQ
      • MYDIN
      • Cosway

    AmBank Islamic Credit Card Promotions

    • Get MYDIN vouchers with as low as 2,000 AmBonus points redemption with your AmIslamic credit card-i.
    • Purchase Samsung Galaxy S9 and S9+ via 18-month Easy Instalment Plan at an interest rate of 0% p.a. and earn 1 AmBonus Point per RM1 spent with the purchase.

    Payment Plans

    • AmFlexi-Pay: Conert your retail transactions’ bills into monthly instalments over a period of 24 months with AmFlexi-Pay facility.
    • Easy Payment Plan: Convert bills worth RM500 or more at participating merchants into affordable instalments of up to 24. The facility allows you to make repayment at a rate of as low as 0% p.a.
    • Balance Transfer: Transfer the outstanding balances from other banks’ cards onto your AmIslamic credit card-i at competitive rates. You can choose repayment tenures according to your affordability over a period of 36 months.

    Balance Transfer Plans

    BT Plan Minimum Transfer Balance Requirement Minimum Transfer Balance Amount Available Tenure (in Months) Interest Rate (p.a.)
    A RM4,000 RM30,000 12 0%
    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%

    Insurance Plans

    • Travel Insurance Coverage: You will get a complimentary travel insurance coverage worth RM2 million when you use your AmIslamic Bank card to book your journey.
    • Wallet Guard: Stay covered in cases of theft and robbery with the wallet guard worldwise protection.

    Eligibility Criteria

    Nationality Requirement

    Only Malaysian citizens can apply for AmIslamic credit card-i.

    Age Requirement

    • Principal card: 21 years or above.
    • Supplementary card: 18 years or above.

    Income Requirement

    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.

    Documents Required

    Salaried Employees

    • A copy of NRIC (front and back page).
    • A copy of the recent utility bill.
    • Last 3 months’ pay slips’ copies.
    • One of the following:
      • Latest EA form.
      • Latest EPF statement.
      • Income tax return with tax payment receipt.

    Self-employed Applicants

    • A copy of NRIC (front and back page).
    • Bank statements for the last 6 months.
    • Business registration form’s copy.
    • Latest income tax return form.

    Fees and Charges

    Fees Charges
    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.

    Activating or Cancelling Your Card

    • You can activate your card by sending an SMS “ACVlast 5 digits of your card” to 66300.
    • Activate your card by contacting the bank via its customer service number.
    • Cancel your card by requesting the bank for the same via its AmBank Islamic customer service numbers.

    Credit Card Statements

    • You can view your card’s monthly statements via online banking.
    • You can opt to receive e-statements via e-mail at your registered email address.
    • You can opt to receive e-statements at your registered mobile number.
    • You can get physical monthly statements at your postal address by paying a fee of RM12.72 p.a.

    Security Features

    • E-Commerce Purchase Protection: Shop online with a peace of mind with e-commerce purchase protections associated with your AmIslamic credit card-i.
    • EMV chip: All the retail purchases made using your AmIslamic card are protected with an embedded EMV chip.
    • Pin and Pay: Another safety feature associated with your card is the personal identification number.

    Lost Card Liability

    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.

    How Do You Increase/Decrease the Credit Limit?

    • You can opt to increase the assigned limit on your credit limit by sending an SMS “ELS12-digit IC numberN” to 66300.
    • You can also opt to increase/decrease the credit limit by contacting the bank with your request for the same via its customer support numbers.

    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.

    Frequently Asked Question’s

    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.

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