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  • AmBank AmFlexi-Pay

    The AmFlexi-Pay facility is one of the defining features of AmBank credit cards. With this facility, you can convert large retail transactions into smaller, affordable monthly instalments. In return, you’ll just have to incur a one-off interest charge that’s divided along with your monthly payments.

    Features of AmBank AmFlexi-Pay

    Instalment Period One-Off Interest Rate Minimum Transaction Amount
    6 months 3% RM500
    12 months 4% RM2,000
    18 months 5% RM4,000
    24 months 6% RM5,000

    Benefits

    • Convert large retail transactions worth RM500 or more into affordable monthly instalments.
    • Choose from flexible repayment periods that range from 6 months to 24 months.
    • Just pay a one-off interest charge or management fee that’s calculated upfront instead of monthly/annual interest.
    • Do away with any kind of additional interest by paying each monthly instalment before the due date.
    • The minimum spend requirement can also be taken as a cumulative transaction, which can include up to 3 separate retail transactions made in the same month.
    • Use this facility in a hassle-free way by making a request through email, SMS, or by contacting the bank’s customer service department.

    Eligibility

    Although the AmFlexi-Pay facility is a mainstay feature of all AmBank credit cards, there are specific criteria that need to be satisfied if you wish to make use of it. Here are the main eligibility requirements when it comes to AmBank’s AmFexi-Pay option:

    1. You should either be the principal or the supplementary cardholder of an AmBank credit card.
    2. Your credit account should be regularised and have sufficient credit limit when you’re converting your retail transaction.
    3. Your card account should never have been cancelled, terminated, or suspended for any reason.
    4. The retail transaction you’re looking to convert should satisfy the minimum spend requirement as specified by the bank.

    List of Credit Cards Featuring AmBank AmFlexi-Pay

    Name of the Card
    Key Benefits
    Interest Rates
    Annual Fees
    Know More

    Earn 5x AmBonus Points on overseas spends.

    50% off green fees at the finest golf courses in South East Asia.

    Complimentary Hilton Premium Club membership.

    15% p.a. - 18% p.a.

    Free for life

    Earn 5x AmBonus Points for every RM1 spent overseas.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Convert AmBonus Points to Air Miles of Asia Miles, KrisFlyer, Enrich, or AirAsia BIG

    15% p.a. - 18% p.a.

    Free for life

    Earn 3x AmBonus Points for every RM1 spent overseas.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Convert AmBonus Points to Air Miles of Asia Miles, KrisFlyer, Enrich, or AirAsia BIG.

    Enjoy 5x access to Plaza Premium lounges in over 26 airports worldwide.

    15% p.a. - 18% p.a.

    Free for life

    Earn 2x AmBonus Points for every RM1 spent overseas.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Enjoy 2x access to Plaza Premium lounges in over 26 airports worldwide

    15% p.a. - 18% p.a.

    Free for life

    Earn 30 BonusLink Points for every RM10 spent on select retail transactions.

    Earn 3 BonusLink Points for every RM10 spent on other local retail transactions.

    Earn 6 BonusLink Points for every RM10 spent overseas.

    15% p.a. - 18% p.a.

    RM583

    Earn 30 BonusLink Points for every RM10 spent on select retail transactions.

    Earn 3 BonusLink Points for every RM10 spent on other local retail transactions.

    Earn 6 BonusLink Points for every RM10 spent overseas.

    15% p.a. - 18% p.a.

    RM477

    Earn 30 BonusLink Points for every RM10 spent on select retail transactions.

    Earn 3 BonusLink Points for every RM10 spent on other local retail transactions.

    Earn 6 BonusLink Points for every RM10 spent overseas.

    15% p.a. - 18% p.a.

    RM238.50

    Earn 1 Carz Point for every RM1 spent on retail transactions.

    Enjoy 2x access to Plaza Premium lounges in over 26 airports worldwide.

    Earn up to 5% rebate on petrol transactions.

    15% p.a. - 18% p.a.

    Free for life

    Earn 1 AmBonus Point for every RM1 spent.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Complimentary travel insurance cover of up to RM500,000.

    15% p.a. - 18% p.a.

    Free for life

    Earn 3 BonusLink Points for every RM10 spent on local retail transactions.

    Earn 9 BonusLink Points for every RM10 spent overseas.

    Redeem 5,700 BonusLink Points for RM50 cash credit.

    15% p.a. - 18% p.a.

    RM583

    Earn 3 BonusLink Points for every RM10 spent on local retail transactions.

    Earn 6 BonusLink Points for every RM10 spent overseas.

    Redeem 5,700 BonusLink Points for RM50 cash credit.

    15% p.a. - 18% p.a.

    RM477

    Earn 3 BonusLink Points for every RM10 you spend.

    Redeem 5,700 BonusLink Points for RM50 cash credit.

    Complimentary travel insurance cover of up to RM1 million.

    15% p.a. - 18% p.a.

    RM238.50

    Earn 3% cash rebate on online transactions subject to a maximum of RM30 per month.

    7.99% p.a. - 18% p.a.

    Free for life

    Earn 3 Cosway Points for every RM1 spent at Cosway stores.

    Earn 2 Cosway Points for every RM1 spent on overseas retail transactions.

    Earn 1 Cosway Point for every RM1 spent locally.

    15% p.a. - 18% p.a.

    Free for life

    Earn 5x AmBonus Points for overseas spends.

    50% off green fees at the finest golf courses in South East Asia.

    Complimentary Hilton Premium Club membership.

    15% p.a. - 18% p.a.

    Free for life

    Earn 5x AmBonus Points for every RM1 spent overseas.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Convert AmBonus Points to Air Miles of Asia Miles, KrisFlyer, Enrich, or AirAsia BIG

    15% p.a. - 18% p.a.

    Free for life

    Earn 3x AmBonus Points for every RM1 spent overseas.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Convert AmBonus Points to Air Miles of Asia Miles, KrisFlyer, Enrich, or AirAsia BIG.

    Enjoy 5x access to Plaza Premium lounges in over 26 airports worldwide.

    15% p.a. - 18% p.a.

    Free for life

    Earn 2x AmBonus Points for every RM1 spent overseas.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Enjoy 2x access to Plaza Premium lounges in over 26 airports worldwide.

    15% p.a. - 18% p.a.

    Free for life

    Earn 1 Carz Point for every RM1 spent on retail transactions.

    Enjoy 2x access to Plaza Premium lounges in over 26 airports worldwide.

    Earn up to 5% rebate on petrol transactions.

    15% p.a. - 18% p.a.

    Free for life

    Earn 1 AmBonus Point for every RM1 spent.

    Use as low as 1,500 AmBonus Points for on-the-spot redemptions.

    Complimentary travel takaful cover of up to RM500,000

    15% p.a. - 18% p.a.

    Free for life

    How Does AmBank AmFlexi-Pay Work?

    The AmFlexi-Pay facility is applicable for all retail transactions that you make with your AmBank credit card in a calendar month. However, these retail transactions have to satisfy a minimum spend requirement to be eligible for conversion.

    The minimum spend criteria is specified by the bank beforehand so you know how much you’ll need to spend for successful conversion. Once you’ve decided which transaction you’d like to convert, you can make a request by email, SMS, or by contacting the bank’s customer service team.

    Once your request is processed and approved by the bank, you’ll be notified of the payment date and the exact amount you’ll have to pay every month.

    How Do You Apply for AmBank AmFlexi-Pay?

    The entire process to apply for AmBank AmFlexi-Pay is relatively simple and hassle-free. You can choose to apply through online or offline methods according to your convenience.

    If you wish to apply for this option online, you’ll have to send an email to the bank with vital information related to the specific transaction. If you wish to make a request through an SMS, you’ll have to send all transaction-related information in a specific format to the bank.

    If either of these methods prove to be difficult, you could always contact the bank’s 24/7 customer service team for personalised assistance.

    No matter what credit card you own from AmBank, you just can’t deny the advantages of having the AmFlexi-Pay facility. Whether you’re in the market for a single high-value purchase or have multiple purchases lined up in a calendar month, convert them in to instalments that are more affordable. This way, you’ll be able to handle your overall finances in a better way.

    FAQs on AmBank AmFlexi-Pay

    Q. Is the AmFlexi-Pay facility restricted to conventional AmBank credit cards alone?

    A. No. The AmFlexi-Pay facility is a common feature of both conventional and Islamic credit cards from AmBank.

    Q. What kind of information does AmBank require in case of an email request for AmFlexi-Pay?

    A. To request the conversion of a certain retail transaction in to smaller monthly instalments by email, you’ll need to send the IC number, the last 4 digits of your credit card number, the merchant’s name, the transaction date, the transaction amount, the instalment tenure you’d like, and the corresponding one-off interest rate to amflexi@ambankgroup.com.

    Q. What kind of information does AmBank require in case of an SMS request for AmFlexi-Pay?

    A. To request the conversion of a certain retail transaction in to smaller monthly instalments by SMS, you’ll need to type out Flexi New IC number transaction amount last 4 digits of your AmBank credit card number tenure the merchant’s name and send it to 66300.

    Q. Can I switch to a different repayment tenure once my conversion request is processed?

    A. It’s advisable to choose a suitable repayment tenure at the time of application itself as switching to a different tenure isn’t allowed. So, if you’ve chosen a longer tenure of 12 or 24 months but wish to shorten the repayment period after 2 months, you won’t be allowed to do so at any cost.

    Q. Is there an additional charge in case of early settlement?

    A. If you wish to pay off the converted amount in full before the repayment tenure ends, an additional charge of RM50 will be debited from your account.

    Q. Is there a specified time frame for making a transaction conversion request?

    A. Yes. To convert a specific transaction, you’ll have to ensure that 5 days have passed since the transaction was made and apply for conversion at least 5 days before that month’s statement date.

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