Overview of AmBank Credit Cards in Malaysia
One of the largest banking groups in Malaysia, AmBank, has a variety of credit cards that cater to individuals’ unique needs across every segment of income and demographics.
AmBank Credit Card Campaign FAQs:
For a limited time, qualified applicants of eligible AmBank credit card(s) will receive a free sign-up gift of either of the following.
- Apple iPad Air M3 11-inch (For every 38th qualified applicant who meets the requirements, and based on the Bank's approval list, capped at 4 units)
- RM200 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicant who applied for the Visa Signature Card and meets the requirements, based on the Bank's approval list)
- RM100 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicant who applied for the Visa/ UnionPay Platinum Card and meets the requirements, based on the Bank's approval list)
This promotion runs from 5 January 2026 until 3 February 2026, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing primary cardholders of an AmBank Credit Card and those who have cancelled any of their credit cards issued by the Bank in the last 12 months from the date of application are not eligible.
How to be eligible for the gift?
For AmBank Visa Infinite Card, AmBank Islamic Visa Infinite Card-i, AmBank Visa Signature Card, AmBank Islamic Visa Signature Card-i, AmBank BonusLink Visa Signature Card
Apply, get approved by the Bank, and activate the card before 5 March 2026 (11:59 PM), then spend a minimum of RM400 in retail transactions within sixty (60) calendar days upon the approval date to be eligible.
For AmBank Cash Rebate Visa Platinum Card, AmBank BonusLink Visa Platinum Card, AmBank Islamic Visa Platinum CARz Card-i, AmBank Visa Platinum Card, AmBank Islamic Visa Platinum Card-i, AmBank UnionPay Platinum Card
Apply, get approved by the Bank, and activate the card before 5 March 2026 (11:59 PM), then spend a minimum of RM200 in retail transactions within sixty (60) calendar days upon the approval date to be eligible.
For more details, please check out the terms and conditions.
Which credit card(s) can I apply for?
You can apply for:
- AmBank Visa Infinite Card
- AmBank Islamic Visa Infinite Card-i
- AmBank Visa Signature Card
- AmBank Islamic Visa Signature Card-i
- AmBank BonusLink Visa Signature Card
- AmBank Cash Rebate Visa Platinum Card
- AmBank BonusLink Visa Platinum Card
- AmBank Islamic Visa Platinum CARz Card-i
- AmBank Visa Platinum Card
- AmBank Islamic Visa Platinum Card-i
- AmBank UnionPay Platinum Card
Where can I reach out for more information?
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
Why choose AmBank credit cards?
Applying for an AmBank credit card in Malaysia as your first credit card or as an upgrade from your previous one is a great choice, as you can enjoy paying no AmBank credit card annual fee on both principal and supplementary cards.
While not all AmBank cards offer zero annual fees for life, some credit cards give an annual fee waiver when you hit the minimum spending requirement in a year.
Besides, there’s always an exciting AmBank credit card promotion or another going on throughout the year that you don’t want to miss out on.
Just apply, activate, and spend with your AmBank card to enjoy these amazing gifts, discounts, vouchers, and many more, which you can find in the AmBank points redemption catalogue.
What are the features and benefits of AmBank cards?
Let's take a look at some of the features and benefits that you can get to enjoy with an AmBank credit card.
Loyalty Points
It pays to be loyal to AmBank because you are getting a card that gives you the power of spending and the benefits of spending.
You can collect up to 5x reward points for every RM1 swipe on retail transactions, locally and overseas.
Spend as much as you can because, with AmBank credit card points redemption, you can redeem anything on the spot or via the AmBank redemption catalogue.
If you like bigger and more rewards, get yourself one of the AmBank BonusLink credit cards, as you get to collect BonusLink Points every time you spend at participating merchants of BonusLink.
That’s not all, you also gain BonusLink Points when you enrol in the AmBank Auto BillPay program.
Cash Rebate
Cash rebate or cashback, if you've accumulated enough on eligible spending, can help you save a substantial amount of money if you're doing it right.
For drivers out there looking for a credit card that gives petrol cashback at any petrol station, such as Petronas, Caltex, Petron, and Shell, look no further: get the AmBank Islamic Visa Platinum CARz Card-i.
Shopping is an addictive hobby for some people. AmBank Cash Rebate Visa Platinum allows you the freedom to spend and save on your favourite brands at any online shopping platform by giving cash rebates of up to 8% every month.
Travel Benefits
Enjoy exclusive and free access to participating Plaza Premium Lounges in selected airports in Malaysia or overseas when you own any of the premium AmBank cards, such as the AmBank Islamic Visa Signature Card-i.
You can also convert your AmBank reward points to air miles to fly for free with Malaysia Airlines, Singapore Airlines, and AirAsia. Of course, it is subject to the bank's terms and conditions.
On top of that, AmBank is also offering you attractive golf privileges and discounts at over 300 golf clubs in Southeast Asia.
That’s not all. When you charge your airfare to your AmBank card, rest assured that you will be protected with travel insurance and from travel inconveniences such as lost or delayed luggage, as well as missed or delayed flights.
Flexible Credit Lines
Most of the AmBank cards come with easy payment plans with interest rates starting from 0% per annum and flexible repayment tenures of up to 24 months. Depending on the participating merchants' T&C, you can either apply for the AmBank AmFlexi-Pay or AmBank Easy Payment Plan.
Need cash for an emergency? Apply for AmBank QuickCash at reasonable flat interest rates and repay flexibly in instalments for up to 36 months.
Enjoy 0% interest with the AmBank Balance Transfer Plan and repay your credit card debt over up to 60 months with a one-time handling fee starting from just 4.88%. Perfect for consolidating your balances into manageable monthly payments without the burden of high interest.
AmBank credit card promotion
Be it dining, travel, online shopping, or even birthday treats, AmBank cardholders will be showered with many promotions to enjoy life to the fullest.
Every week, we will update the credit card promotion list on our credit card main landing page, including the AmBank credit card promotion. Alternatively, you can check it out at ambankspot.com.
Speaking of AmBank credit card promotion, remember to check out AmBank's no annual fee credit cards, cashback credit cards, travel credit cards, and Islamic credit cards.
Find the best AmBank credit card in Malaysia to suit your lifestyle in a click!
Who can apply for AmBank credit cards?
In general, anyone with a minimum age of 21 years old is eligible to apply for a credit card. For the supplementary cardholders, the minimum age is 18 years old.
You can get a quick look at the eligibility of each AmBank credit card from the table below.
| APPLY FOR AMBANK CREDIT CARD - ELIGIBILITY | |
|---|---|
| Age of Principal Cardholder | Minimum 21 years old |
| Age of Supplementary Cardholder | Minimum 18 years old |
| Nationality | Anyone |
| Income Requirement (monthly)* |
|
*Please note that the minimum income requirement for expatriates might be different.
Am I eligible to apply for an AmBank Malaysia credit card?
Any individual holding a valid identity card, aged 21 years and above, is eligible to apply.
Some documents are required during your AmBank credit card application, such as:
- Copy of your IC (front and back)
- Latest 3 months' salary slips/commission statement
- Latest 6 months' bank statement
- Latest EPF statement
- Copy of Form 9, 24, and 49/Business Registration Certificate
- Latest B/BE Form with an official tax receipt
The minimum income requirements for each AmBank card also vary depending on which card it is, so make sure to check and see whether your income meets that amount before you apply.
Best AmBank Credit Cards in Malaysia 2026
1. AmBank Visa Infinite - The Best AmBank Travel Credit Card
Get complimentary 6x passes to selected airport lounges, up to RM2 million travel insurance, and collect AmBonus Points to convert to air miles - all in one exclusive credit card.
2. AmBank Cash Rebate Visa Platinum - The Best AmBank Cashback Credit Card
A card for millennials. Enjoy 8% cash back on groceries, pharmacies, and online retail transactions, up to RM500,000 travel insurance, daily amazing deals, and cash management facilities.
3. AmBank Islamic Visa Platinum CARz Card - The Best AmBank Islamic Credit Card
Earn up to 5% cashback on petrol purchases and 2% cashback for those who pay their credit card bills in full. The card also offers AmBonus Point which can be redeemed for various products, vouchers, and air miles.
