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    AmBank Islamic CARz Card-i

    The AmBank Islamic CARz Card-i is especially meant for motorists as it offers rebate on petrol purchases made across all brands. The card also offers additional rebate on retail purchases made using this credit card. You can choose from the following AmBank Islamic CARz Card-i types:

    • Gold Visa
    • Platinum MasterCard

    Features of AmBank Islamic CARz Card-i

    Cash rebate earned on AmBank Islamic CARz Platinum MasterCard Card-i petrol purchases:

    • On revolvers where you make minimum or partial payments – Enjoy 5% rebate up to a maximum of RM80 per month on each card.
    • On transactors where you make full payments - Enjoy 2% rebate up to a maximum of RM20 per month on each card.

    Cash rebate earned on AmBank Islamic CARz Gold Visa Card-i petrol purchases:

    • On revolvers where you make minimum or partial payments – Enjoy 3% rebate up to a maximum of RM50 per month on each card.
    • On transactors where you make full payments - Enjoy 2% rebate up to a maximum of RM20 per month on each card.

    Note: Cash rebate is offered on principal and supplementary credit cards.

    Cash rebate earned on retail spending:

    • Get 1 CARz Point per RM1 spent on retail purchases.
    • Get double CARz Points on overseas purchases on your AmBank Islamic CARz Platinum MasterCard Card-i.
    • You can redeem your accumulated CARz Points for auto-related products.
    • Note that purchases made at petrol stations will not be eligible to earn CARz Points under the retail spending category.

    Payment Plans:

    • AmFlexi-Pay:
      • Choose from the following flexible tenures - 6 months, 12 months, 18 months and 24 months.
      • Make a minimum purchase of RM500 to convert to AmFlexi-Pay.

    Here are the monthly instalment plans offered under AmFlexi-Pay:

    Tenure Minimum purchase amount Management Fee
    6 months RM500 3%
    12 months RM2,000 4%
    18 months RM4,000 5%
    24 months RM5,000 6%
    • Easy Payment Plan:
      • This is a 0% instalment payment plan. Under this plan you will enjoy interest free payments on purchases.
      • Make a minimum purchase of RM500 to convert to Easy Payment Plan.
      • Choose between 3 month and 6 month instalment plans.
      • At the participating merchant outlet, request for AmBank Islamic Easy Payment Plan when making the payment.

    eStatements:

    • Choose to receive eStatements of your credit card bills instead of paper statements and avoid inconveniences of your statements being stolen or wrongly delivered.
    • You can send an SMS to the bank on 66300 to convert to eStatements in the following format – “est12 digit new IC noemail addresslast 4-digit of credit card number”.

    Excess Limit Free:

    • You can register for the Excess Limit Fee service offered on your credit card for a hassle-free experience.
    • Subscribe to avail this service by sending an SMS to 36266 in the following format – “BG12-digit IC no.N”.
    • This is a paid service and the following charges will apply for every SMS:
      • A registration fee of RM0.15
      • An acknowledgement reply fee of RM0.30
      • RM50+GST charge of RM3 to use this service

    Benefits of AmBank Islamic CARz Card-i

    Complimentary Travel Insurance:

    Purchase your flight tickets with your credit card and get takaful coverage for yourself and your family worth RM1 million.

    E-Commerce Purchase Protection for AmBank Islamic CARz Platinum MasterCard:

    • Your online purchases are protected using e-commerce purchase protection to prevent misuse/fraudulent use of your card by third party entities.
    • Get USD200 cover per occurrence with an annual cover of USD200.

    AutoBillPay Benefit:

    • This facility can be used to make payments on your insurance premiums and utility bills where your bill amounts will be debited from your card account automatically. This will help you in making timely payments on your bills without having to worry about late payments.
    • You can use the following format to pay your Tenaga Nasional Berhad, Astro and Telekom Malaysia bills by sending an SMS to 66300 - “PAYBILLNew IC Nolast 4-digit of Credit Card NoAccount NoService Provider Name”.
    • You can use the following format to pay your Allianz, Zurich and MCIS Insurance by sending an SMS to 66300 - “PAYINSURANCENew IC Nolast 4-digit of Credit Card NoIC of Policyholder Policy NoInsurer NameName of PolicyholderRelationship to cardholder”.

    Eligibility Criteria for AmBank Islamic CARz Card-i

    • Annual fee waived for life on principal credit cards.
    • Annual fee waived for life on the first 3 supplementary credit cards.
    • Age requirements:
      • Minimum age for principal cardholders - 21 years.
      • Minimum age for supplementary cardholders – 18 years.
    • Income requirement:
      • Minimum annual requirement for Gold Visa Card – RM24,000.
      • Minimum annual requirement for Platinum MasterCard - RM48,000.

    Fees and charges for AmBank Islamic CARz Card-i

    Product/Item Fees and Charges
    Principal card annual fee RM0 (perpetual annual fee waiver)
    Supplementary card annual fee
    • Platinum MasterCard - RM188 (4th card onwards)
    • Gold Visa Card – RM75 (4th card onwards)
    Fee for Late payment 1% of the statement balance due. Minimum charge of RM10 and maximum charge of RM100.
    Fee for Cash Advance RM53 (including GST)
    Fee for cash advance management Management fee of 1.5% per month which is calculated on a daily basis up to 18% p.a.
    Min. monthly payment RM50 or 5% of the statement balance, depending on whichever of the two is higher.
    Fixed Management Fee
    • Platinum MasterCard - RM3,750
    • Gold Visa - RM900
    Free Period for the Management Fee 20 days from your statement date. This period is only applicable if you have no outstanding balance on your credit card. This is not applicable to balance transfer, QuickCash and Cash Advance.
    Excess Limit fee RM50 + RM3 (GST)
    Fee for Card Replacement RM25
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