AmBank CARz Platinum MasterCard

A Platinum credit card for with auto-related benefits: up to 5% petrol rebate, discounts on auto parts and services, and RM1 million travel insurance

AmBank CARz Platinum MasterCard5% Petrol Cashback
Min. Income
Annual Fee
up to 5%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.


5% cashback, capped at RM80 per month, when you make a PARTIAL credit card payment; 2% cashback, capped at RM20 per month, when a FULL credit card payment is made every month.

Cashback categoryCashback rateMonthly capSpend
Petrol (on PARTIAL credit card payment)5%RM80any amount monthly
Petrol (on FULL credit card payment)2%RM20any amount monthly


Earn 1x CARz Point for every RM1 spent on retail (except Petrol) locally and 3x CARx Point overseas (except online transactions). Collect CARz Points to redeem auto-related goods and services or convert your points to airmiles.

CARz Points
1 point on every RM1on local retail expenses (except Petrol)
3 points on every RM1on overseas spend (except online)


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


Charge full fare of air ticket(s) to AmBank Platinum credit card and receive up to RM1 million Takaful coverage for you and your family members.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM800


Shop at over 185 merchants selected by MasterCard Travel Rewards to get 20% cashback. Shopping online with AmBank Platinum credit card, rest assured your parcel is protected with e-Commerce Purchase Protection.

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 the first 3 supplementary cardholders

  • 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


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


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.


Enjoy Petrol Cash Rebate with AmBank CARz Platinum MasterCard

Chuck away those co-branded credit cards that only reward cashback for a particular petrol brand. 

With AmBank CARz Platinum MasterCard, you can earn cash rebate when you swipe at any petrol stations nationwide: PETRONAS, Caltex, Petron or Shell.

Depending on your credit card repayment habit, you could be getting up to 5% cash rebate, capped at RM80 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

You have already saved RM80 on petrol spending, now with CARz Point, you can save even more on your automobile shopping, whether it is 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.


Yes! This AmBank Platinum credit card is free of the annual fee for life for the principal cardholder and first 3 supplementary cardholders. 

For road users who travel every day to work, AmBank CARz Platinum MasterCard promises you reasonable savings on petrol and extensive benefits and discounts on all things automobiles.

Free Insurance Protection

Aside from collecting cashback and points, you will also receive a complimentary travel insurance protection of up to RM1,000,000.

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.

Shop and Save with AmBank Credit Card

For those who love online shopping and travelling, this AmBank credit card will help you to save more.

  • Shopee Sunday Sale - get RM30 off when you shop online via every Sunday (min. spend RM200; promo code: AMB30)
  • 10% Cashback at selected duty-free shops across ASEAN countries 

AmBank CARz Platinum MasterCard 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 Platinum MasterCard 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