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

Also available as MasterCard

AmBank Islamic Al-Taslif Visa Classic Card-i

Start building your credit with the AmBank Islamic Al-Taslif Visa Classic Card-i - get rewarded as you spend with amazing gifts to redeem!

  • 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
RM1 for 1 Reward Point on your retail spending . Reward Points gifts for your home, kitchen, entertainment for the kids, health products, the latest IT Gadgets, travel vouchers, airmiles, and dining discounts. The AmBonus Points will have a 3-year expiry.
AmBonus Points
EarnSpent
1 point on every RM1on all 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 for 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 first 3 years for supplementary card
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 Visa Classic Card-i review

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

Free Annual Payment

Own your very first credit card for free without any hidden charges! The annual fee is totally free of charge for life. You have to be minimum 21 years old to be eligible as the card holder with minimum income of RM24000 a year.

Rewards Just for You

For every RM1 you spend on retail purchases, you earn 1 AmBonus Point. Your accumulated AmBonus Points allows you to redeem gifts from AmBonus Points Redemption catalogue (http://www.ambank.com.my/ambank/Documents/AmBonusECatalogue.pdf) that comprises homewares, gadgets, travel accessories, fashion, health care products, vouchers, air miles and more.

On top of that, you can redeem your AmBonus Points on the spot at participating merchants such as ESH, Cosway, Courts, Sen Heng and SenQ. The minimum redemption is 1500 AmBonus Points. All you need to do is just to inform the cashier that you wish to use your AmBonus Points for your purchase.

Do take note that your AmBonus Points earned expires in 3 years. Make sure you check your AmBonus Point from time to time for redemption before due date.

0% Instalment

Want to purchase a set of new sofa with limited budget? With AmBank Easy Payment Plan, your purchases can turn into zero interest instalment for 3 or 6 months. The minimum purchase is set at RM500. However, this benefit is only valid for participating merchants (www.ambank.com.my/ambank/Documents/EPPMerchantsListMarch2015.pdf).

For non-participating merchants, you can opt for AmBank AmFlexi-Pay for instalments as low as 3% interest per annum for up to 24 months.

Auto Bill Payment

AmBank Islamic Al-Taslif Visa Gold Card-i offers your convenience with AmBank AutoBillPay. This benefit could save your time by skipping queue for bill payments. In addition, expect no more late payment charges and all your bills can be automatically debited from your credit card account.

The participating merchants are

•Telekom Malaysia Berhad

•Tenaga Nasional Berhad

•Astro

•MCIS Zurich

•Allianz

•Zurich Insurance

•Celcom

•Maxis

Just fill up the AutoBillPay Enrolment Form for participation.

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