AmBank Imagine Visa Credit Card
The fully loaded credit card that provides the best of benefits and peace of mind through the AmProtector Insurance without the burden of annual fees.
AmBank Imagine Visa Credit Card Benefits
The AmBank Imagine credit card is designed for daily use and rewards the cardholder with points for every purchase. The cardholders can earn 1 reward point for every RM 1 spent on all retail expenses, both locally and overseas. These reward points can be exchanged for exciting gifts such as electronic gadgets and appliances from the AmBonus rewards programme. The reward points accumulated expires after 3 years. Any unused points after a period of 3 years will be void.
AmBank Imagine Visa Credit Card Features
The features of the AmBank Imagine Visa card are as follows:
- The annual interest rate charged on this card is 15%.
- The rate of interest charged on balance transfers for a period of over 6 months is 4.99%.
- The card has no annual fees. The supplementary card is also free for life.
- This card is equipped with an Easy payment plan.
- The card also offers cardholders the option of availing cash loans or cash advances on the available credit limit.
- The card has a daily cash withdrawal limit of RM 5000.
- The interest for cash withdrawals is 18%.
- The minimum monthly payment is 5% of the outstanding amount.
- The penalty for late payment is 1% of the outstanding amount.
AmBank Imagine Visa Credit Card Requirements or Eligibility
The eligibility criteria to apply for the AmBank Imagine Credit cards ae as follows:
- The primary cardholder must earn an annual salary of RM 24,000 and above.
- The primary cardholder needs to have attained the age of 21 years and the supplementary cardholder needs to have attained the age of 18 years.
- Any Malaysian employed with a government agency or a private company or a foreign national with a valid work permit can apply for the credit card if they meet the age and income requirements.
Other Credit Cards offered by AmBank
The other credit cards offered by this bank include
- AmBank Platinum MasterCard
- AmBank World MasterCard
- AmBank Cosway Platinum MasterCard
- AmBank Cosway Gold MasterCard
- AmBank Carz Platinum Visa Card
- AmBank Carz Gold Visa Card
- AmBank Visa Signature Card
- AmBank True Visa Card
AmBank Imagine Visa Credit Card Protection Plan
AmBank cardholders can sign up for the AmProtector Insurance. This insurance covers the outstanding balances of the cardholder in case of any unfortunate event such as total permanent disability or death.
AmBank Imagine Visa Credit Card Balance Transfer
The AmBank Balance transfer plans help cardholders consolidate their credit card dues by transferring the balance to their AmBank cards and pay it off through monthly instalments with low interest. The minimum amount that can be transferred for a period of 6 months is RM 1000 at an interest rate of 4.99%. The tenures range from 6 months, 12 months and 24 months at 8.99% and both have minimum transfer amount of RM 5000.