AmBank CARz Gold Visa

Own the gold standard for motorist - CARz Points collected can be used to redeem auto-related goods and services, plus cashback on any brand of petrol

15% p.a. interest rate
20 days interest-free period
up to 3% cashback
0% p.a. balance transfer over 24 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 1x reward point

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for AmBank CARz Gold Visa

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My income is greater than RM24000 a year. That's at least RM2000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

Get 3% cash rebate on all petrol brand, capped at RM50 per month if you settle only the minimum amount of your credit card bill or partially. If you pay in full, you can get 2% capped at a maximum of RM20 a month.

Discover how much you can save when you shop with your new AmBank CARz Gold Visa
Cashback Category		Cashback Rate	Monthly Cap	Spend
Petrol	Spendany amount monthly	3%	RM50	any amount monthly

Rewards

Be Rewarded When You Shop - Earn 1 CARz point for every RM1 you spend on retail expenses using the credit card. Accumulated points can be used to redeem auto-related goods and services.

CARz Points
Earn	Spent
1 point on every RM1	on all local and overseas spend

Your CARz Points earned expires in 3 years

Balance Transfer

AmBank AmTransfer offers interest rates from 4.99% and payment terms up to 24 months.

Pay Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 4.99% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 8.99% one-time upfront handling fee	from RM5000
24 months	0% p.a. and 8.99% one-time upfront handling fee	from RM5000

Learn more about AmBank AmTransfer

Easy Payment Plan (EPP)

AmBank EPP offers zero interest for up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay instalment interest as low as 3% on all the other purchases.

Pay Over	With Interest Rate At	When You Spend
6 months	3% p.a. and no one-time upfront handling fee	from RM500
12 months	4% p.a. and no one-time upfront handling fee	from RM2000
18 months	5% p.a. and no one-time upfront handling fee	from RM4000
24 months	6% p.a. and no one-time upfront handling fee	from RM5000

Learn more about AmBank AmFlexi-Pay

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM200
6 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000

Learn more about AmBank Easy Payment Plan

Petrol: Earn up to 3% cash rebate on petrol at any service station. The maximum cash rebate is RM50 per month on any brand of petrol

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life
Free for first 3 Supplementary cards

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

RM15.90 or 5.30% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Daily Maximum Cash Withdrawal

RM5000

All fees & charges are inclusive of 6% GST if applicable

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: Anybody

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.

Balance Transfer: AmBank AmTransfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank CARz Gold Visa review

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

Do you think your car is more important than your girlfriend or boyfriend? It's a yes if you hesitated for a moment right there. Good news, AmBank has the right card for you! AmBank CARz Gold Visa gives the savings and rewards you and your precious car need.

Nationwide Petrol Cash Rebate

A good cash back allows you to save on things that you use daily. If you commute to work by car regularly, you can now save 2% off your total petrol expenses at any petrol station on a monthly basis up to RM20. This rebate is given to cardholders who settle their bills in full every month.

If you only managed to pay the minimum monthly payment or partial of the bill, you'll get 1% extra which adds up to 3% petrol cash rebate with a cap of RM50 per month. Take this as a little financial incentive that eases your burden while you have an outstanding debt to focus on.

Car Goodies!

Aren't you excited to get some free ornaments for your car or free services to bring your car back in shape? For any retail spending, every RM1 charged to your AmBank CARz Gold Visa credit card earns you 1 CARz Point. Use the points that you've accumulated to redeem car related goods and services. Since you are already getting cash back on petrol spending, CARz points will not be awarded for transactions at any petrol stations.

NO Annual Fee

What's all the benefits for if this card has annual fee that offsets all your hard-earned savings? Fortunately, the annual fee for this card is waived for life. Share this privilege with your loved ones as the first 3 supplementary cards are free from annual fee too! Worry not, there's no catch in this!