AmBank Islamic Al-Taslif MasterCard Classic Card-i credit card

Also available as Visa

AmBank Islamic Al-Taslif MasterCard Classic Card-i

You breathe the cutting edge. You live the moment. Now you can flash your card and enjoy privileges that enhances your lifestyle.

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

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Every RM1 you charge to your AmIslamic credit card will earn you 1 Reward Point. Take a look at the AmBonus Catalogue for many exciting gifts such. Your AmBonus Points will have a 3-year expiry, so don't take too long deciding what to get!
AmBonus Points
EarnSpent
1 point on every RM1on all local retail 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 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
AmBank EPP offers 0% interest of up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Otherwise, you can enjoy 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

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • Free for life for the first 3 supplementary cardholders
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Profit Rate on Cash Withdrawals
18%

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 Islamic Al-Taslif MasterCard Classic Card-i review

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

Free For Life

With AmBank Islamic Al-Taslif MasterCard Classic Card-i, you can enjoy the card privileges at no cost at all. The annual fee is waived for life with no hidden charges. The benefit is also extended to the first 3 supplementary cards.

Be Rewarded

You can earn AmBonus Points every time you make purchases. For each Ringgit you spend on retail purchases, you earn 1 AmBonus Point. Your AmBonus Points earned expires in 3 years.

Your accumulated AmBonus Points are eligible for redemption of wide range of products, such as fashion, personal care, vouchers, air miles, gadgets, kitchen appliances, travel related accessories and more. You can refer to the AmBonus Points redemption catalogue (http://www.ambank.com.my/ambank/Documents/AmBonusECatalogue.pdf) for more details.

In addition, you can also make your redemption on the spot. Among the participating merchants are Cosway, Courts, ESH, Sen Heng and SenQ. All you need to do is just to inform the cashier that you wish to make your purchases with your AmBonus Points. The minimum redemption is 1500 AmBonus Points.

Auto Bill Payment

No more worries on late payment fees and long queues for your bill payments every month. With AmBank AutoBillPay, all your bills can be automatically debited from your credit card account. All you need to do is just to fill up the AutoBillPay Enrolment Form (http://www.ambank.com.my/ambank/Documents/AmBank%20Auto%20BILLPAY%20A4%20Form%20-%20revise%20CI.PDF) to register your utilities accounts.

Now, you don’t need to worry about your bills for Telekom, Tenaga Nasional, Astro, Celcom, Maxis, MCIS Zurich, Allianz and Zurich Insurance.

4.99% Interest for Balance Transfer

Just consolidate all your credit card outstanding balances and transfer to AmBank Islamic Al-Taslif MasterCard Gold Card-i for lower interest rate of 4.99% p.a. for 6 months’ repayment, 8.99% p.a. for 12 months’ repayment and 8.99% p.a. for 24 months’ repayment.

If you opt for 6 months’ balance transfer, the minimum amount you will need to transfer is RM1000, meanwhile the minimum transfer amount is RM5000 for 12 and 24 months.

You'd better to settle the repayment within the agreed period, otherwise the interest rate is reverted to the standard rate as high as 18% p.a.

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