AmBank Islamic TRUE Card-i credit card

AmBank Islamic TRUE Card-i

Own whatever it is you want right now! - with 0% instalments for up to 24 months at participating outlets, and no annual fees.

  • 12% p.a. profit rate
  • 20 days penalty-free period
  • 4.99% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for AmBank Islamic TRUE Card-i

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 Islamic TRUE Card-i

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 can@ringgitplus.com, we'd love to help!

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

Benefits

Because you should be rewarded for giving the bank your business

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 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
Low Profit Rate
Get a reward with the management fee rate of only 12% when you make prompt payments.

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
RM36000
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 TRUE Card-i review

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

Maybe you’ve just gotten a new job after graduating, or you just want a hassle-free credit card that frees-up space in your wallet and helps you get stuff online. The AmBank Islamic TRUE Card-i gives you the power to manage your finances and start building a good credit history to help you with bigger purchases in the years to come.

What annual fee?

Expecting a low annual fee? Sorry to disappoint, but you don’t even need to remember it! Your principal card, along with the first 3 supplementary cards, are free for life, no questions asked. The AmBank Islamic TRUE Card-i functions exactly like a credit card but without the burden of extras that you don’t need. Enjoy the benefits of being a member without any additional fees to maintain the card.

Low Interest Rate

Sometimes, some expenses are unavoidable and times can be tough, so you’ll need all the help you can get. In case you need some financing help when your budget is tight, the AmBank Islamic TRUE Card-i offers an attractive low interest rate of 12% p.a. instead of the standard rate of 18% p.a., which you can continue to enjoy as long as you settle the minimum payment due on outstanding balances promptly.

0% Easy Payment Plan

Who says you can’t live a good life without burning a hole in your wallet or survive on instant noodles daily? Get 0% interest rate for installments of 3 or 6 months so that you can reduce your financial burden on paying lump sum for your new purchases. The benefit is only applicable at AmBank participating merchants with minimum purchase of RM500. All you need to do is to visit the selected outlets and request for AmBank Islamic Easy Payment Plan when making your payment.

For non-participating merchants, AmBank also offers affordable monthly instalments.

  • 3% p.a. for 6 months with minimum spending of RM500
  • 4% p.a. for 12 months with minimum spending of RM2000
  • 5% p.a. for 18 months with minimum spending of RM4000
  • 6% p.a. for 24 months with minimum spending of RM5000

4.99% Balance Transfer

AmBank Islamic offers the balance transfer which allows you to transfer the outstanding balances from other credit cards to AmBank Islamic TRUE Card-i.

AmTransfer allows you to repay your credit card outstanding with low interest rate.

  • 4.99% p.a. for 6 months with minimum transfer amount of RM1000
  • 8.99% p.a. for 12 months with minimum transfer amount of RM5000
  • 8.99% p.a. for 24 months with minimum transfer amount of RM5000

Read More