AmBank CARz Gold Visa

Fuel up at any petrol stations and earn up to 3% cash rebate. 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

Depending on how you manage your credit card bill, you'll get to enjoy 3% cashback, capped at RM50 per month, if you only settle partial or only the minimum payment. 2% cashback for those who settle the bill in full, with a cap of RM20 per month.

Cashback categoryCashback rateMonthly capSpend
Petrol3%RM50any amount monthly

Rewards

Spending overseas and locally on retail transactions gains you 1x CARz Points. Swipe your AmBank Islamic Visa Gold CARz Card-i for all purchases, collect CARz Points and redeem auto-related goods and services.

CARz Points
EarnSpend
1 point on every RM1on all local and overseas spend

Petrol

Refuel at any petrol stations nationwide, PETRONAS, Caltex, Petron or Shell, to grab up to 3% cashback.

Travel

Enjoy the security of travel insurance coverage of RM500,000 whenever you on board a commercial aircraft. Lost or delayed luggage? Buy new clothes and essentials with compensation money. Trust AmBank to keep you and your family safe.

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

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
  • RM - supplementary card
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, 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.

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