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  • Credit Card BYTES FROM OUR KITCHEN

    AmBank Cashback Credit Cards

    AmBank provides many credit cards out of which one card provides cash rebate on the money spent with the card. In addition to the cash rebate, you can enjoy other benefits such as Balance Transfer and AmFlexi-Pay.

    AmBank TRUE VISA Credit Card

    Spend Category Cash Rebate Monthly cap
    Online Transactions3%RM30

    Features and Benefits of AmBank Credit Cards

    • Enjoy the convenience of the AutoBillPay feature where you can set standing instructions on your bill payments.
    • Keep track of your monthly expenses using e-Statements.
    • Subscribe for Excess Limit Service if you think your purchases would go beyond your assigned credit limit.
    • Get a repayment tenure of up to 24 months at 0% interest when you make retail purchases at participating merchant outlets with the Easy Payment Plan.

    How Does AmBank Cash Rebate Work

    Consider that you make online purchases for an amount of RM500 in a month. Then, according to the cash rebate programme of the card, you must get cashback of 3% on the amount spent on online purchases, amounting to RM15.

    Monthly Spend on Online Purchases Maximum Cashback Amount Cash Rebate Earned
    RM500 RM15 RM15
    RM1,200 RM36 RM30

    In another case, if you have spent an amount of RM1,200 on online purchases in a month, you must get a cash rebate of RM36. Since the monthly cash rebate is capped at RM30, you will receive a cash rebate of RM30.

    Refer to the table below for better understanding:

    Fees and Charges

    Key Fee
    Annual Fee (Principal Card) Free for life.
    Annual Fee (Supplementary Card) The first 3 cards are free for life.
    Finance Charges From 7.99% p.a. to 18% p.a. based on your repayment behaviour.
    Cash Advance Fee 5% of the advance amount or a minimum of RM15, whichever is higher.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.
    Minimum Monthly Payment 5% of the outstanding balance or RM50, whichever is higher.
    Late Payment Penalty 1% of the outstanding balance or RM10, whichever is higher. A maximum of RM100 can be charged.

    Eligibility Criteria

    Minimum Age Criterion (Principal Cardholder) 21 years
    Minimum Age Criterion (Supplementary Cardholder) 18 years
    Minimum Annual Income Requirement RM36,000.

    Documents Required

    Salaried Employees
    • A copy of MyKad.
    • Latest 3 months’ salary slip.
    • Latest 6 months’ bank account statement.
    • EPF statement
    Self-employed Individuals
    • A copy of MyKad.
    • Latest 6 months’ bank statement.
    • A copy of business registration certificate.
    • Latest Form B/BE with the tax payment receipt.
    Commission Earners
    • A copy of MyKad.
    • Latest 6 months’ salary slip.
    • Latest Form B/BE with the tax payment receipt.

    Applying for AmBank Cash Rebate Credit Cards

    Mode Process
    Online Mode 1
    • Visit the card’s page on the official website of AmBank.
    • Open the card’s application form.
    • Enter your personal and financial details.
    • Upload the required documents.
    • Submit the application online.
    Online Mode 2
    • Visit the card’s page on the official website of the bank.
    • Express your interest for the card by filling up your contact details in the form provided at the end of the page.
    • The bank representatives will give you a call to brief you about the card.
    Offline Mode 1
    • Download the application form from the website.
    • Fill up the form with relevant information.
    • Send the forms and other required documents via fax to 03-2162 3067/03-2167 3344.
    Offline Mode 2
    • Visit the nearest branch.
    • Fill up the card’s application form.
    • Attach the necessary documents.
    • Submit the application at the branch.

    The AmBank TRUE VISA Credit Card is an easy-to-use payment mode for all your purchases instead of you having to carry cash every time you need to buy something. You can get a cash rebate of 3% on your online transactions with the card.

    FAQs on AmBank Cash Rebate Credit Cards

    Q. Are there any partner sites to earn cash rebates?

    A. No. The card does not specify any partner sites to earn cash rebates.

    Q. What happens if the cash rebate I should get is RM15.80?

    A. The cash rebate you get will be rounded down to the nearest Ringgit. In this case, RM15.80 will be rounded down to RM15.

    Q. Is there a minimum monthly spend specified to get a cash rebate?

    A. No. There is no minimum monthly spend criterion to get a cash rebate.

    Q. Do I get any rewards on other category spend?

    A. No. The card only gives cash rebate when you spend on online purchases. No other rewards are offered for any other expenses done with the card.

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