AmBank Islamic Platinum MasterCard CARz Card-i

A credit card for motorists packed with benefits such as petrol cashback, rewards points, MasterCard Travel Rewards, and RM1 million Takaful coverage.

AmBank Islamic Platinum MasterCard CARz Card-iAuto-related Benefits
Min. Income
Annual Fee
up to 5%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


PARTIAL payment of credit card get 5% cashback, capped at RM80 per month. FULL payment of credit card get 2% cashback, capped at RM20 per 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 1 CARz Point for every RM1 spend on retail locally, and double the points when shopping overseas. Use CARz Points to redeem auto-related goods and services.

CARz Point
2 points on every RM1overseas retail spends (except Petrol)
1 point on every RM1local retail spends (except Petrol)


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


RM1 million Takaful coverage for you and your family members with full fare of air ticket charged to AmBank Platinum credit card.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM1,500
Missed FlightUp to RM1,500
Lost LuggageUp to RM4,000
Delayed LuggageUp to RM1,500


20% shopping cashback with MasterCard Travel Rewards. Shopping at online platforms with AmBank Platinum credit card and get covered with e-Commerce Purchase Protection on your parcels.

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 life for the first 3 supplementary cardholders

  • RM0 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.



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

For road users who travel every day to work, AmBank Islamic Platinum MasterCard CARz Card-i promises you reasonable savings on petrol and extensive benefits and discounts on all things automobiles - at zero cost!

Petrol and Travel Cash Rebate

You must have stumbled on co-branded credit cards in the market that only reward cashback for a particular petrol brand. 

Not with AmBank Islamic Platinum MasterCard CARz Card-i as it aimed at all motorists with various needs and petrol brand preferences: 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.

For those who love travelling, enjoy up to 20% cashback on retail spend across 11 countries worldwide.

Auto-Related Perks

You have already benefited on petrol savings with cashback, now with CARz Point, you can save even more on your automobile shopping - 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.

Free Takaful Protection

Aside from collecting cashback and points, you will also receive a complimentary travel Takaful 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 Islamic Platinum MasterCard CARz Card-i to enjoy this coverage, which is only effective when you're on board.

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 Islamic credit card 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