AmBank Imagine Visa credit card

AmBank Imagine Visa

Big rewards: one AmBonus point for every Ringgit spent. Big benefits: frequent discounts at bars, cafes and restaurants. No fee: free for life.

  • 15% p.a. interest rate
  • 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 Imagine Visa

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for AmBank Imagine Visa

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to AmBank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

Be rewarded every time you shop - Earn 1 AmBonus Point for every RM1 you spend, and exchange them for great prizes and gifts from the AmBonus Rewards Programme. Petrol expenses excluded.
AmBonus Points
1 point on every RM1on all local and overseas expenses
Your AmBonus Points earned expires in  3 years
Balance Transfer
AmBank AmTransfer offers interest rates from 4.99% and payment terms 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 
36 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
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
Enjoy the best things in life with the compliments of promotions and privileges at selected pubs, restaurants, coffee houses, movies and many more.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for life for first 3 Supplementary cards
Annual Fee for Supplementary Card
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
Daily Maximum Cash Withdrawal
Contact-less Payment Methods

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


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


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

Easy Payment Plan
AmBank AmFlexi-Pay
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 Imagine Visa review

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

Reward Points

For every RM1 you spend with AmBank Imagine Visa, you can earn 1 AmBonus Point. The accumulated points are eligible for redemption from kitchen appliances, gadgets, fashion, personal care, vouchers, air miles and the others. You can always refer to AmBonus Points Redemption catalogue for details.

However, AmBonus Points earned expires in 3 years. Remember to always keep track of your reward points for redemption before the due date.

Redemption on the Spot

Some merchants allow you to make redemption on the spot with as low as 1500 AmBonus Points. The participating merchants are ESH, Cathay Cineplax, Cosway, Courts, Jesley, Sen Heng and SenQ. Just inform the cashier that you want to pay with AmBonus Points when you make the purchases. Lastly, you are requested to have your signature on the sales slips for your AmBonus Points transaction.

0% Instalment

Break your lump sum payment into 3 or 6 month zero instalment with AmBank Easy Payment Plan. The minimum spending required is RM500. However, this plan is only valid with participating merchants.

For non-participating merchants, you can enjoy affordable instalment plan with AmBank AmFlexi-Pay.

  • 3% p.a. for 6 months EPP when you spend minimum RM500
  • 4% p.a. for 12 months EPP when you spend minimum RM2000
  • 5% p.a. for 18 months EPP when you spend minimum RM4000
  • 6% p.a. for 24 months EPP when you spend minimum RM5000

No Annual Fee

You can keep AmBank Imagine Visa with no cost on annual fee. The fee is waived for life with no conditions attached. On top of that, the first 3 supplementary cards are free for life.

No More Late Payment Charges

With AmBank AutoBillPay, you can save your time from skipping the long queue at bill payment counter. On top of that, you can pay your bills on time now! No more worries on late payment charges.

All your bills from participating merchants can be automatically debited from your credit card account. The merchants are Telekom, Tenaga Nasional Berhad, astro, MCIS Zurich, Allianz, Zurich, Celcom and Maxis. Just that you have to fill in the Auto BILLPAY Enrolment Form beforehand.

Read More