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    AmBank Islamic Cashback Credit Cards

    AmBank Islamic offers two cashback credit cards that allow you to earn cash rebates on petrol transactions. Each of these cards provides a specific cashback amount and this amount is capped on a monthly basis.

    AmBank Islamic CARz Platinum MasterCard Credit Card-i

    Spend Category Outstanding Balance Payment Type Cash Rebate Monthly Cap
    Petrol Transactions Partial Payment 5% RM80
    Full Payment 2% RM20

    • Enjoy up to 2x complimentary visits to Plaza Premium Lounge at more than 26 airports across the world.
    • Get travel takaful coverage of up to RM1 million when you pay the full flight fare with the card.
    • Get 1 CARz Point for every RM1 spent using the AmBank Islamic CARz Platinum Mastercard Credit Card-i.
    • Set standing instructions on your utility bill payments so you don’t miss out on them.
    • Enjoy E-Commerce Purchase Protection when you shop online.

    Consider that you have spent RM400 on petrol in a month. If you pay the entire amount you have spent in the month by the due date, then you are eligible for 2% cash rebate. That means you are eligible to get a cash rebate of RM8.

    If you have spent RM400 and choose to pay only RM200 by the due date, then you are eligible for 5% cash rebate on the amount spent on petrol purchases. So, you will receive a cash rebate of RM20.

    In addition, consider that you have spent RM2,000 on all other categories, such as dining, shopping, groceries, and utility bills. You will receive 2,000 CARz Points as per the rewards programme applicable on the card.

    Payment Type Amount Spent on Petrol Cash Rebate Receivable Cash Rebate Earned
    Transactor (Full Payment) RM400 RM8 (2% of monthly spend) RM8
    Revolver (Minimum or Partial Payment) RM400 RM20 (5% of monthly spend) RM20

    AmBank Islamic CARz Gold Visa Credit Card-i

    Spend Category Outstanding Balance Payment Type Cash Rebate Monthly Cap
    Petrol Transactions Partial Payment 3% RM50
    Full Payment 2% RM20

    • Convert large retail purchases into an affordable monthly instalment plan using the AmFlexi-Pay plan.
    • Get 1 CARz Point for every RM1 you spend with this credit card.
    • Redeem CARz Points you earn for air miles, vouchers, home essentials, electrical appliances, gadgets, and personal care products.
    • Get travel takaful coverage of up to RM1 million when you pay the full cost of your flight tickets with this card.

    Consider that you have spent RM1,400 on petrol purchases in a single month and you have repaid the full amount by the due date. According to the cash rebate programme of the card, you must get a cash rebate of RM28. Since the cap on cash rebate is RM20, you will get RM20 in your account.

    If you only made the minimum payment of RM50, then you get 3% cash rebate capped at RM50. That means the cash rebate you receive is RM42.

    Also, if you have spent RM2,500 on groceries and other retail purchases in the month, you will receive 2,500 CARz Points.

    Payment Type Amount Spent on Petrol Cash Rebate Receivable Cash Rebate Earned
    Transactor (Full Payment) RM1,400 RM28 (2% of monthly spend) RM20
    Revolver (Minimum or Partial Payment) RM1,400 RM42 (5% of monthly spend) RM42

    Fees and Charges

    Key charges
    Annual Fee (Principal Card) Free for life.
    Annual Fee (Supplementary Card) First 3 cards are free for life. From the fourth card onwards: Platinum Mastercard: RM188. Visa Gold: RM75.
    Finance Charges From 15% p.a. to 18% p.a. based on payments made in the last 12 months.
    Minimum Monthly Payment 5% of the outstanding balance or RM50, whichever is higher.
    Late Payment Charges 1% of the outstanding balance or RM10, whichever is higher; capped at RM100.
    Cash Advance Fee RM50/transaction.
    Cash Advance Interest Rate 18% p.a. of the advance amount.

    Eligibility Criteria

    Key Eligibility
    Minimum Age Criterion (Principal Card) 21 years.
    Minimum Age Criterion (Supplementary Card) 18 years.
    Minimum Annual Income Requirement CARz Platinum Mastercard Credit Card-i: RM48,000. CARz Gold Visa Credit Card-i: RM24,000.

    Documents Required

    Type Documents
    Salaried Employees
    • A copy of MyKad.
    • Recent 6 months’ salary slip.
    • Bank account statement on recent transactions.
    • EPF statement to show recent contributions.
    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 Islamic Credit Cards

    Mode Process
    Online Mode 1
    • Open the card’s page on the official website of AmBank.
    • Enter your personal and financial details on the card’s application form.
    • Upload the required documents.
    • Submit the application online.
    Online Mode 2
    • Visit the card’s page on the bank’s website.
    • 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 let you know the application process.
    Offline Mode 1
    • Download the application form from the bank’s website.
    • Fill up the application form with relevant information.
    • Attach the supporting documents.
    • Send the form and the other required documents via fax to 03-2162 3067/03-2167 3344.
    Offline Mode 2
    • Visit the nearest branch office.
    • Fill up the card’s application form.
    • Attach the necessary documents.
    • Submit the application at the branch.

    Enjoy a whole host of benefits with AmBank credit cards, as you can get both cash rebates and rewards with a single card. Cash rebates are offered only on petrol purchases when you pay with one of the two cards. All other transactions you make will fetch you reward points. The cash rebate you earn depends on your repayment behaviour.

    FAQs on AmBank Islamic Cash Rebate Credit Cards

    Q. Am I eligible for cash rebates for transactions made with my supplementary credit card?

    A. Yes. Retail spends made using both principal and supplementary cards are eligible for cash rebates.

    Q. Do I get CARz Points on the money spent on petrol transactions?

    A. No. You can only get a cash rebate on petrol transactions. CARz Points are not awarded for petrol transactions.

    Q. Is the cash rebate on petrol purchase limited to certain brands?

    A. No. Petrol purchases done at all fuel stations are eligible for cash rebates.

    Q. Is the cash rebate offered on petrol purchase done abroad?

    A. No. The cash rebate is offered only when you purchase petrol in Malaysia.

    Q. When does the cash rebate get credited to my account?

    A. The cash rebate on your spend will be credited automatically to your credit card account.

    Q. Is there any restriction on the petrol purchase to award cash rebates?

    A. There are no restrictions other than the monthly capping and the purpose of petrol purchase. You can get a cash rebate only if you purchase petrol for personal use. Fuel bought for commercial and business purposes will not be eligible for rebates.

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