AmBank CARz Platinum MasterCard credit card

AmBank CARz Platinum MasterCard

AmBank CARz Platinum Card, a credit card that caters for motorists packed with auto related benefits, such as 12 months 0% easy payment for road tax.

  • 15% p.a. interest rate
  • up to 5% cashback
  • 4.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 

Apply online now for AmBank CARz Platinum MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
If you pay only the minimum on your monthly credit card bill, you will get 5% cash rebate on any petrol brand, capped at RM80 per month. 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 Platinum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendany amount monthly5%RM80any amount monthly
Rewards
Be Rewarded When You Shop - Earn 1 CARz point for every RM1 you spend on retail expenses using the credit card. All your points can be used to be exchanged for auto-related goods and services.
CARz Points
EarnSpent
1 point on every RM1on all local and overseas expenses
Your CARz Points earned expires in  6 years
Balance Transfer
Is the high interest on your credit card killing your monthly budget? Get the AmBank AmTransfer balance transfer that offers interest rates from 4.99% p.a. and repayment terms of up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months4.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months8.99% p.a. and no one-time upfront handling feefrom RM5000 
24 months8.99% p.a. and no one-time upfront handling feefrom 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 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 RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about AmBank Easy Payment Plan
Petrol
Earn 2% or 5% cash rebate on petrol at any service station, depending on how you manage your credit card bills each month. The maximum cash rebate is RM80 or RM20 per month, on any brand of petrol at service stations nationwide.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • Free for the first 3 supplementary cardholders
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

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM48000
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 Platinum MasterCard 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 Platinum MasterCard 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 5% off your total petrol expenses at any petrol station on a monthly basis up to RM80. 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!

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