AmBank CARz Gold Visa credit card

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 3% cashback
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 3x reward points 
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

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.
Discover how much you can save when you shop with your new AmBank CARz Gold Visa
Cashback CategoryCashback RateMonthly CapSpend
Petrol (on PARTIAL credit card payment)Spendany amount monthly3%RM50any amount monthly
Petrol (on FULL credit card payment)Spendany amount monthly2%RM20any amount monthly
Rewards
Every RM1 spent on retail locally, earn 1 CARz Point. Get 3 CARz Points for overseas spending (except online transaction). Collect the points to redeem auto-related goods and services or convert them to airmiles.
CARz Points
EarnSpent
1 point on every RM1on local retail expenses (except Petrol)
3 points on every RM1on overseas spend (except online)
Your CARz Points earned expires in  3 years
Easy Payment Plan (EPP)
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%.
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feefrom RM500 
12 months4% p.a. and no one-time upfront handling feefrom RM2000 
18 months5% p.a. and no one-time upfront handling feefrom RM4000 
24 months6% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM200 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about AmBank Easy Payment Plan
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 travel insurance for you and your family members. Enjoy 10% cashback at selected duty-free outlets across ASEAN.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1300
Delayed LuggageUp to RM600
Premium
20% shopping cashback with MasterCard Travel Rewards. Enjoy RM30 off on Shopee Sunday Sale (min. spend RM200, promo code: AMB30) via https://bit.ly/ambsunday.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • Free for first 3 Supplementary cards
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM50.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians and Permanent Residents

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
AmBank QuickCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.

AmBank CARz Gold Visa review

What's so good (or not so good) about it?

Save Money on Petrol with AmBank CARz Gold Visa

Think of it as a Return on Investment (ROI); pay for your petrol with AmBank CARz Gold Visa, then in a month's 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 for 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.

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 this AmBank credit card. 

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.

Enjoy Auto-Related Perks with AmBank CARz Gold Visa

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 credit card to enjoy this coverage, which is only effective when you're on board.

AmBank CARz Gold Visa 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 AmBank CARz Gold Visa 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

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