AmBank CARz Gold Visa

Fuel up at any petrol stations and earn up to 3% cash rebates. Swipe at all retail purchases to collect CARz Points and redeem auto-related benefits.

AmBank CARz Gold Visa3% Petrol Cashback
Min. Income
RM2,000/month
Annual Fee
Free
Cashback
up to 3%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

Make a PARTIAL credit card payment, get 3% cashback, capped at RM50 per month; make a FULL credit card payment, get 2% cashback, capped at RM20 per month.

Cashback categoryCashback rateMonthly capSpend
Petrol (on PARTIAL credit card payment)3%RM50any amount monthly
Petrol (on FULL credit card payment)2%RM20any amount monthly

Rewards

Every RM1 spent on retail locally, earn 1 CARz Point. Collect CARz Points and redeem auto-related goods and services.

CARz Points
EarnSpend
1 point on every RM1on all local and overseas spend (except Petrol)

Petrol

Refuel at any petrol stations nationwide, PETRONAS, Caltex, Petron, BHP or Shell to earn cashback.

Travel

Charge full fare of air ticket(s) to AmBank Gold credit card and get automatically covered with RM500,000-worth of Takaful coverage for you and your family members.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,300
Delayed LuggageUp to RM600

Premium

20% shopping cashback with MasterCard Travel Rewards.

Easy Payment Plans

AmBank Easy Payment Plan offers 24 months payment terms with 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay for as low as 3%.

AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM200
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about AmBank Easy Payment Plan
AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feeRM500
12 months4% p.a. and no one-time upfront handling feeRM2,000
18 months5% p.a. and no one-time upfront handling feeRM4,000
24 months6% p.a. and no one-time upfront handling feeRM5,000
Learn more about AmBank AmFlexi-Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Free for first 3 Supplementary cards

  • RM - supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM50 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians and Permanent Residents

Features

Easy Payment Plan
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 24 months of instalment plan at 0% interest rate on hundreds of products available at selected partner stores.
AmBank AmFlexi-Pay
Can't wait till pay day to buy that new laptop or watch? Convert your purchases into affordable monthly instalments as low as RM500 now!
Cash Advance / Cash Loan
AmBank QuickCash
Need a hurry cash? Take advantage of the QuickCash Flexi Payment Plan for a competitive upfront fees and flexible repayment periods.

Review

Petrol prices have gone up again? Car insurance premium has recently been de-tariffed?

It's a cold hard truth yet these should not stop you from driving and rely solely on public transportation. What if there is a credit card that can help lighten some burden?

No Annual Fee for Life

For most, avoiding paying the annual fee is a crucial aspect when looking for a credit card; there you have it with AmBank CARz Gold Visa. 

Principal and first 3 supplementary cardholders are free from paying an annual fee for a lifetime, with no conditions.

You can tick this requirement off the list and prepare for more as AmBank CARz Gold Visa is about to amaze you with reasonable savings on petrol and extensive benefits and discounts on all things automobiles.

Petrol Cash Rebate

Think of it as a Return on Investment (ROI); pay for your petrol with AmBank CARz Gold Visa, then in a month time, you will get your money back by way of cash rebate to compensate for the unexpected hike in petrol prices. 

Plus, you can earn a cash rebate at any petrol station of your choices.

Depending on your credit card repayment habit, you could be getting up to 3% cash rebate, capped at RM50 a month, when you pay only minimum or partial amount; 2% cash rebate, capped at RM20 monthly, when you maintain a full payment every month.

Auto-Related Perks

Now, you probably have saved RM50 from budget via cashback; with CARz Point, you can save even more on your automobile shopping - engine oil, timing belt, absorber, tire and other car accessories.

With every RM1 you spent on retail spending locally and overseas, you can earn 1x CARz Point, except for transactions at petrol stations. 

The accumulated CARz Points can be used to redeem auto-related goods and services - making your regular workshop appointment much less of a hassle.

Free Insurance Protection

Aside from collecting cashback and points, you will also receive a complimentary travel insurance protection of up to RM500,000. 

Both you and your family will be covered in the case of a delayed flight, loss of luggage, delay of luggage and also missed connections.

On one condition, you must charge full air ticket fares to your AmBank CARz Gold Visa to enjoy this coverage, which is only effective when you're on board.

Auto Bill Pay

Electric, water, telco, insurance - the list goes on and on. 

Life would be much easier when you enroll in AmBank Auto Bill Pay Service and let your MasterCard Gold credit card does the payment for you. In a way, you will never forget to pay and have zero outstanding payment on utilities.

If you have a monthly commitment with these service providers, then it is highly encouraged to sign up:

  • Tenaga Nasional
  • Telekom Malaysia
  • Astro
  • Allianz Insurance
  • MCIS Insurance
  • Zurich Insurance
  • DiGi
  • Maxis
  • Celcom
  • U Mobile
  • Tune Talk
  • XOX