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

AmBank Islamic Visa Gold CARz Card-iPetrol Cashback
Min. Income
Annual Fee
up to 3%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 3% cashback, capped at RM50 per month, when you make PARTIAL credit card payment; 2% cashback, capped at RM20 per month, when you make FULL credit card payment.

Cashback categoryCashback rateMonthly capSpend
Petrol (on PARTIAL credit card payment)3%RM50any amount monthly
Petrol (on FULL credit card payment)2%RM20any amount monthly


Earn 1 CARz Point for every RM1 spend on retail locally. Use CARz Points to redeem auto-related goods and services.

CARz Points
1 point on every RM1local retail spends (except Petrol)


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


RM500,000-worth of Takaful coverage for you and your family members with full fare of air ticket(s) charged to AmBank Gold credit card.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM750
Missed FlightUp to RM750
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM750


20% shopping cashback with MasterCard Travel Rewards.

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 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
Contact-less Payment Methods
Visa payWave


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.


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 the 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 the 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 from 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 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