This credit card AmBank offers exclusive privileges to the cardholder ranging from dining discounts to attractive travel benefits. The card is specifically designed to give more reward to lady cardholders through free health check packages and is packed with value added benefits such as e-statements, flexi payment plans and 0% easy payment plans. The card also can be used overseas and overseas expenses charged to the card earns double the points. The features and benefits of the card are as follows
·The minimum age for the primary cardholder is 21 years as ta last birthday
·The minimum age for supplementary cardholder is 18 years as at last birthday
·The minimum income required to avail this card is RM 100,000 yearly
·The annual fees for the primary card is RM 550 plus GST of RM 33
·The annual fees for the supplementary card is RM 3000 plus GST of RM 18
·The minimum monthly payment to be made is the higher of RM 50 or 5% of the outstanding balance
·Late payment of outstanding credit card amount attracts a penalty of 1% of the outstanding balance. The penalty is capped to a maximum of RM 100
·The card can be availed through invitation only
Lady Cardholders can avail a yearly free health check package from BP Healthcare provided they have charged an amount of RM 3000 to the card. The health check is an exhaustive package that even includes tumour marker test for breasts and ovaries. Lady cardholders who are eligible to avail this service will be notified by SMS. Other benefits that ladies can avail is a car assistance service that is complimentary for the first year but will require the cardholder to charge an amount of RM 6000 for the next year to avail the service. The card also provide a wallet guard coverage against theft that provides a personal wallet insurance. This service is free for the first 12 months but to avail it for the subsequent year, the cardholder will have to charge RM 6000 in a year onto the card.
the card provides cardholders with a comprehensive travel insurance with a cover of up to RM 2 Million when the air tickets are purchased solely using the card. It also grants the cardholder 5 free access passes per year to the Plaza Premium Lounges located in over 26 airports both local and international
The cardholders can avail up to 50% discount on dining bills at participating Hilton Hotels in Malaysia and Thailand and a 20% discount on dining bills at participating Hilton hotels in the Middle East. It also provides a 10% discount on best available room rates with participating Hilton hotels in Asia and a 20% discount on best available room rates in the Middle East.
The card offers easy payment plans with tenures of 3 months and 6 months with no interest and requires that the single receipt be Rm 500 or more
The cardholders can convert retail purchases into affordable monthly instalments. The tenures available are 6 months for a minimum spend of RM 500 at 3% management fee, 12 months for a minimum spend of RM 2000 at 4% management fee, 18 months for a minimum spend of RM 4000 at 4% management fee and 24 months for a minimum spend of RM 5000 at 5% management fee
The card earns reward points not just on every expense charged to it but if the cardholder is a member of the BonusLink program, they can receive another set of reward points for the same expense by BonusLink Merchants. In effect, BonusLink members receive twice the reward points. For every RM 10 spent, the cardholder receives 3 reward points from AmBank and for overseas expenses the cardholder receives 6 reward points for every RM 10 spent.