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    AmBank Islamic Rewards Credit Cards

    AmBank Islamic follows Shariah principles for banking. The bank offers 6 credit cards and all 6 provides reward points on your purchases. Each card specifies its own spend categories that qualify for the reward points accumulation. In addition, each of the cards offers a special set of privileges and benefits.

    AmBank Islamic World Mastercard-i

    Spend Category Amount Spent Number of AmBonus Points Earned
    Overseas Purchases RM1 5

    Features and Benefits

    • Get reward points when you spend overseas.
    • Enjoy unlimited Plaza Premium Lounge access at 26 major airports in Malaysia and abroad.
    • Get a travel takaful coverage of up to RM2 million.
    • Enjoy the protection offered by the Wallet Guard feature.
    • Get best deals on dining and room rates at the participating Hilton Hotels with the complimentary Hilton Premium Club Membership Card.

    How does AmBank Islamic Reward Points Work

    The card offers 5x AmBonus Points when you spend with the card overseas. Consider that you have spent RM2,500 on overseas purchases. So, you will be entitled to get 5 times the money spent overseas amounting to 12,500 AmBonus Points. If you have spent RM800 on online purchases from abroad, it will not be accounted for the award of reward points.

    Spend Category Amount Spent Rewards Programme Reward Points Earned
    Overseas Spend RM2,500 5 x RM2,500 = 12,500 12,500 AmBonus Points
    Online Purchases done Overseas RM800 - -

    AmBank Islamic Visa Infinite Card-i

    Spend Category Amount Spent Number of AmBonus Points Earned
    Overseas Purchases RM1 5

    Features and Benefits

    • Enjoy complimentary green fees at the finest golf courses.
    • Redeem air miles with the accumulated AmBonus Points.
    • Get a travel takaful coverage of up to RM2 million.
    • Get assistance at your fingertips about travel, entertainment, hospitals, and medical information round-the-clock with the 24-hour Visa Customer Service and Concierge Service.

    How does AmBank Islamic Reward Points Work

    Consider that you have spent RM2,000 on overseas purchases. You are eligible to earn 5x AmBonus Points where 1 AmBonus Point is equivalent to RM1. Therefore, you can accumulate 10,000 AmBonus Points as given in the table below.

    Spend Category Amount Spent Rewards Programme Reward Points Earned
    Overseas Spend RM2,000 5 x RM2,000 = 10,000 10,000 AmBonus Points

    AmBank Islamic Visa Signature Card-i

    Spend Category Amount Spent Number of AmBonus Points Earned
    Overseas Purchases RM1 3

    Features and Benefits

    • Earn AmBonus Points when you spend on overseas purchases.
    • Enjoy up to 5 times Plaza Premium Lounge access at over 26 major airports.
    • Get a complimentary travel takaful coverage of up to RM1 million.
    • Enjoy the convenience of automatic bill payments without missing on the due dates.
    • Keep your purchases safe from theft or accidental damage with the Purchase Protection Plan with a coverage of up to RM50,000.

    How does AmBank Islamic Reward Points Work

    The card gives you 3x the money you spend on overseas purchases when you pay with the card. If you spend RM3,000 on overseas purchases, then you can get 9,000 AmBonus Points. The card does not consider online purchases to award AmBonus Points.

    Spend Category Amount Spent Rewards Programme Reward Points Earned
    Overseas Spend RM3,000 3 x RM3,000 = 9,000 9,000 AmBonus Points

    AmBank Islamic CARz Gold Visa/Platinum Mastercard Credit Card-i

    Spend Category Amount Spent Number of CARz Points Earned
    Local Retail Purchases RM1 1
    Overseas Purchases with Platinum Mastercard only RM1 2

    Features and Benefits

    • Get CARz Points for local retail spend and overseas spend (only on Platinum Mastercard).
    • Enjoy 2 complimentary Plaza Premium Lounge visits at major airports across the world.
    • Get cash rebates on petrol transactions.
    • Subscribe to the AutoBillPay facility so your utility bills will be automatically paid on the set date.
    • Get e-Statements for free every month so you can keep track of your expenses.

    How does AmBank Islamic Reward Points Work

    Consider the AmBank Islamic CARz Platinum Mastercard Credit Card-i. The card offers you 1 CARz Point on retail purchases and 2 CARz Points on overseas transactions for every RM1 spent. Therefore, if you spend RM3,000 on retail purchases and RM2,000 on overseas purchases, you will earn 7,000 CARz Points on the whole.

    Instead, if you consider the AmBank Islamic CARz Gold Visa Credit Card-i, then you can get 1x AmBonus Points on local retail purchases. So, if you spend RM3,000 on local retail transactions, then you can earn 1x RM3,000 i.e. 3,000 AmBonus Points.

    Card Name Spend Category Amount Spent Rewards Programme Reward Points Earned
    AmBank Islamic CARz Platinum Mastercard Credit Card-i Retail Spend RM3,000 1 x RM3,000 = 3,000 3,000 CARz Points
    Overseas Spend RM2,000 2 x RM2,000 = 4,000 4,000 CARz Points
    AmBank Islamic CARz Gold Visa Card-i Retail Spend RM3,000 1 x RM3,000 = 3,000 3,000 CARz Points

    AmBank Islamic Card Al-Taslif Gold Card-i

    Spend Category Amount Spent Number of AmBonus Points Earned
    All Spends RM1 1

    Features and Benefits

    • Accumulate AmBonus Points on every RM1 you spend with the card.
    • Use the facility of on-the-spot redemption to buy your favourite items at the participating merchant partners.
    • Redeem AmBonus Points for vouchers, air miles, and other items from the redemption catalogue.
    • Convert your retail purchases made at the participating merchants into instalment payment plan for a period of up to 24 months at 0% interest rate.

    How does AmBank Islamic Reward Points Work

    The card offers 1 AmBonus Point on every RM1 you spend with the card. If you spend RM4,500 over a month on different spend categories, you can get 4,500 AmBonus Points in your account.

    Spend Category Amount Spent Rewards Programme Reward Points Earned
    All Spends RM4,500 1 x RM4,500 = 4,500 4,500 AmBonus Points

    AmBank Islamic Al-Taslif Platinum Card-i

    Spend Category Amount Spent Number of AmBonus Points Earned
    Overseas Spend RM1 2
    All Other Spends RM1 1

    Features and Benefits

    • Enjoy the private Wealth Management services at a low-entry threshold.
    • Get a complimentary Hilton Premium Club Membership Card with great deals on dining and room rates at the participating Hilton Hotels.
    • Get e-Commerce Purchase Protection to safeguard your online purchases.
    • Travel with a sense of safety with the complimentary travel takaful coverage of up to RM1 million.
    • Get 2 complimentary Plaza Premium lounge access at selected major airports of the world.

    How does AmBank Islamic Reward Points Work

    The card’s reward programme says that you can get 1 AmBonus Point on local purchases and 2 AmBonus Points on overseas purchases for every ringgit spent. Consider that you have spent RM3,000 on local purchases and RM2,000 on overseas purchases. Based on the reward programme, you will get 3,000 AmBonus Points on retail purchases and 4,000 AmBonus Points on overseas purchases. A total of 7,000 AmBonus Points will be credited to you for the month.

    Spend Category Amount Spent Rewards Programme Reward Points Earned
    Retail Spend RM3,000 1 x RM3,000 = 3,000 3,000 AmBonus Points
    Overseas Spend RM2,000 2 x RM2,000 = 4,000 4,000 AmBonus Points

    Fees and Charges

    Fees and Charges/Card AmBank Islamic World Mastercard-i AmBank Islamic Visa Infinite Card-i AmBank Islamic Visa Signature Card-i AmBank Islamic Al-Taslif Platinum Card-i AmBank Islamic Card Al-Taslif Gold Card-i AmBank Islamic CARz Card-i
    Annual Fee (Principal Card) Free for life
    Annual Fee (Supplementary Card) The first 3 cards are free for life. From the 4th card onwards: RM188. The first 3 cards are free for life. From the 4th card onwards: RM75. The first 3 cards are free for life. From the 4th card onwards: Gold Visa: RM75. Platinum Mastercard: RM188.
    Finance Charges 15% p.a.-18% p.a. based on the repayment pattern of the last 12 months.
    Minimum Monthly Payment 5% of the balance or a minimum of RM50, whichever is higher.
    Late Payment Penalty 1% of the outstanding balance or RM10, whichever is higher.
    Cash Advance Fee RM50 per transaction.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.

    Eligibility Criteria

    Factors Eligibility
    Age Criterion (Principal Cardholder) 21 years.
    Age Criterion (Supplementary Cardholder) 18 years.
    Minimum Annual Income Requirement AmBank Islamic World Mastercard-i: RM120,000.
    AmBank Islamic Visa Infinite Card-i: RM120,000.
    AmBank Islamic Visa Signature Card-i: RM80,000.
    AmBank Islamic CARz Platinum Mastercard Credit Card-i:  RM48,0000.
    AmBank Islamic CARz Gold Visa Credit Card-i: RM24,000.
    AmBank Islamic Al-Taslif Gold Card-i: RM24,000.
      AmBank Islamic Al-Taslif Platinum Card-i: RM48,000.

    Documents Required

    Type Documents
    Salaried Employees
    • A copy of MyKad.
    • Recent months’ salary slip.
    • Bank account statement to show the latest transactions.
    • EPF statement as a proof of recent contributions.
    Self-employed Individuals
    • A copy of MyKad.
    • Last 6 months’ bank account statement.
    • A copy of Form 9, 24, 49 or the business registration certificate.
    • Latest Form B/BE with the tax payment receipt.
    Commission Earners
    • A copy of MyKad.
    • Last 6 months’ commission statement/salary slip.
    • Latest Form B/BE with the tax payment receipt.

    Applying for AmBank Islamic Rewards Credit Card

    Mode Process
    Online Mode
    • Visit the card’s page on the bank’s website.
    • Click on the “Apply Now” button.
    • Express your interest for the card by filling up your contact details in the form provided on the page.
    • The bank representatives will give you a call to let you know more about 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.
    • Seek help from the bank personnel to sign up for the card of your choice.
    • Fill up the card’s application form.
    • Attach the necessary documents.
    • Submit the application at the branch.

    Conclusion

    Each of the 6 cards mentioned above rewards you for the money you spend with the card. If you are a frequent traveller, you could choose the card that offers the highest benefits for overseas spend. If you purchase in Malaysia as well, you could choose a card that provides rewards on both local and overseas spends. Check for the minimum annual income requirement before you apply for a card.

    FAQs AmBank Islamic Rewards Credit Card

    Q. What can I redeem with the CARz Points?

    A. You can redeem auto-related goods and services with the CARz Points you have accumulated.

    Q. Can I make online purchases with the rewards credit cards and get reward points?

    A. No. AmBonus Points are offered only on retail purchases. Online purchases do not qualify for awarding AmBonus Points.

    Q. Are the purchases made using supplementary cards eligible to get reward points?

    A. Yes. Reward points are awarded for the purchases made using a supplementary card.

    Q. Are there any exclusions applicable under retail spend category to get reward points?

    A. Yes. Reward points are not offered when you spend on petrol, charity, and government-related transactions.

    Q. Do the AmBonus Points have a validity period?

    A. Yes. AmBonus Points are valid for a period of 3 years.

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