AmBank Islamic Platinum MasterCard CARz Card-i credit card

AmBank Islamic Platinum MasterCard CARz Card-i

AmBank Islamic Platinum MasterCard CARz Card-i, a credit card that caters for motorists packed with auto related benefits, such as 12 months 0% easy payment for road tax.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 5% cashback
  • 4.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for AmBank Islamic Platinum MasterCard CARz Card-i

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Depending on how you manage your credit card bill, you'll get to enjoy 5% cashback on any brand of petrol when you pay for fuel on your Platinum credit card, capped at RM80 per month if you only settle partial or only the minimum payment of your bill. 2% cashback for those who settle the bill in full with a cap of RM20 per month
Discover how much you can save when you shop with your new AmBank Islamic Platinum MasterCard CARz Card-i
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendany amount monthly5%RM80any amount monthly
Rewards
Receive 1 CARz Point for every RM1 you spend on your credit card and double rewards on overseas spending. These reward points can be used to redeem for auto-related goods and services. CARz points accumulated have a validity of 3 years from date the card is issued.
CARz Point
EarnSpent
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your CARz Point 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 zero interest 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% for 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
Petrol
Up to 5% cashback on purchase of all petrol brands, capped at RM80 per month for each principal cardholder.

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
RM48000
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 Platinum MasterCard CARz Card-i review

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

A Petrol Card

AmBank Islamic Platinum MasterCard CARz Card-i is an Islamic credit card that offers petrol cash rebate of up to 5% at any petrol stations. If you settle only minimum or partial payment of your credit card bill, you can enjoy 5% cash rebate, capped at RM80 per month. Meanwhile, if you are the person who settle your credit card bill in full, you can get 2% cash rebate on petrol, capped at RM20 per month.

The good thing is that principal and supplementary card members are eligible for the same benefit. In other words, the cash rebate capped amount is not shared between the card members.

2x Reward Points

With every RM1 you spent on retail spending, you can earn 1x CARz Point. Meanwhile, you receive double CARz Points for overseas retail transactions with your AmBank Islamic Platinum MasterCard CARz Card-i. However, the transactions at petrol stations are not eligible for CARz Points.

The accumulated CARz Points can be used to redeem auto-related goods and services.

No Annual Fee

The annual fee is free for life for the principal card without any conditions. For the supplementary cards, the first 3 cards are free for life.

On top of that, the minimum age of principal card applicant is 21 years old meanwhile the supplementary card applicant is 18 years old and above.

0% Interest Easy Payment Plan

Turn your big purchases into affordable monthly instalment. With AmBank Easy Payment Plan, you can enjoy 0% interest for 3 or 6 months’ instalments with minimum purchase of RM500. This benefit is only available at participating merchants.

In addition, AmBank AmFlexi-Pay allows you to enjoy affordable instalments at non-participating merchants.

  • Pay over 6 months for 3% p.a. for spending of RM500 and above.
  • Pay over 12 months for 4% p.a. for spending of RM2000 and above.
  • Pay over 18 months for 5% p.a. for spending of RM4000 and above.
  • Pay over 24 months for 6% p.a. for spending of RM5000 and above.

You can also choose to settle your payment early as there is no penalty fee imposed.

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