AmBank Islamic Visa Gold CARz Card-i credit card

AmBank Islamic Visa Gold CARz Card-i

Cash rebate on all petrol brands, CARz Points on retail spending, discounts on auto-related transactions and RM500,000 travel Takaful protection

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 3% cashback
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 

Apply online now for AmBank Islamic Visa Gold 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 3% cashback, capped at RM50 per month, if you only settle partial or only the minimum payment. 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 Visa Gold CARz Card-i
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendany amount monthly3%RM50any amount monthly
Rewards
Spending overseas and locally on retail transactions gains you 1x CARz Points. Swipe your AmBank Islamic Visa Gold CARz Card-i for all purchases, collect CARz Points and redeem auto-related goods and services.
CARz Points
EarnSpent
1 point on every RM1on all local and overseas retail expenses
Your CARz Points earned expires in  3 years
Balance Transfer
Outstanding debt is giving you headache? Consolidate all of your credit card debts into AmBank Islamic Visa Gold Card-i via AmTransfer for a one-time interest charge as low as 4.99% p.a. and a flexible repayment up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 4.99% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
24 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
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%.
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 RM200 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about AmBank Easy Payment Plan
Petrol
Refuel at any petrol stations nationwide, PETRONAS, Caltex, Petron or Shell, to grab up to 3% cashback.
Travel
Enjoy the security of travel Takaful coverage of RM500,000 whenever you on board a commercial aircraft. Lost or delayed luggage? Buy new clothes and essentials with compensation money. Trust AmBank Islamic to keep you and your family safe.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM750
Missed FlightUp to RM750
Lost LuggageUp to RM2000
Delayed LuggageUp to RM750

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • Free 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
Cash withdrawal fee
RM53.00 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

All fees & charges are inclusive of 6% GST if applicable

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
Malaysians and Permanent Residents

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 Visa Gold CARz Card-i review

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

With petrol prices fluctuate every week on top of car insurance premium has recently been de-tariffed, getting behind the wheel can be somewhat stressful. What if there is a credit card that can help you save while spending? 

No Annual Fee for Life

For most, avoiding paying annual fee is a crucial aspect when looking for a credit card; there you have it with AmBank Islamic Visa Gold CARz Card-i. Principal and first 3 supplementary cardholders are free from paying annual fee for life, with no conditions.

You can tick this requirement off the list and prepare for more as AmBank Islamic Visa Gold CARz Card-i promises you reasonable savings on petrol and extensive benefits and discounts on all things automobiles.

Petrol Cash Rebate

Think of it as a Return on Investment (ROI), AmBank Islamic Visa Gold CARz Card-i gives your money back by way of cash rebate to compensate for the unexpected hike in petrol prices. Plus, you can earn cash rebate when you refuel at any petrol stations of your choices: PETRONAS, Caltex, Petron or Shell.

Depending on your credit card repayment habit, you could be getting up to 3% cash rebate, capped at RM50 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.

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 RM500,000. 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 Visa Gold 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 into 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 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

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