AmBank Islamic Visa Platinum CARz Card

A card that makes your road trips more pleasant with attractive cash rebates on petrol and reward points for everyday spending.

AmBank Islamic Visa Platinum CARz CardPetrol Cashback
Min. Income
RM2,000/month
Annual Fee
Free
Cashback
up to 5%
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Profit Rate
15% p.a.
Profit-free Period
20 days

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Cashback

Get cash rebates on all Petrol transactions. Earn a 5% cash rebate on a minimum or partial credit card payment, capped at RM80 per card every month. Get a 2% cash rebate, capped at RM20 per card, when you pay your credit card in full. Both principal and supplementary cardholders are eligible for the cash rebate.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Petrol (on MINIMUM or PARTIAL credit card payment)5%RM80any amount monthly
Petrol (on FULL credit card payment)2%RM20any amount monthly

Rewards

Earn 1x AmBonus Points for every RM1 spent on all local retail purchases. If accumulated enough, you can redeem the points with products, vouchers and air miles. Plus, don't miss out on over 500 card deals and privileges from categories such as shopping, dining, e-commerce, travel and pampering. Find out more on AmBank Spot.

AmBonus Rewards Point
EarnSpend
1 point on every RM1on local retail purchases

Petrol

Get cash rebates of up to 5% when you perform transactions on any Petrol brand every month.

Premium

Pay seamlessly and securely with Apple Pay and Google Pay. Just add this AmBank Islamic credit card to your smartphone and enjoy speedy checkouts online and offline!

Balance Transfer

Transfer your outstanding balances from other banks' credit cards to a new AmBank credit card, and enjoy low interest rates. The minimum transfer is RM1,000.

Pay OverWith Profit Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
48 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
60 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about AmBank Balance Transfer

Easy Payment Plans

AmBank Easy Payment Plan offers up to 36 months of payment tenures at 0% interest on retail purchases from a range of approved merchants. For other purchases, AmBank AmFlexi-Pay offers low interest rates for up to 12 months.

AmBank Easy Payment Plan
Pay OverWith Profit Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
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 feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about AmBank Easy Payment Plan
AmBank AmFlexi-Pay
Pay OverWith Profit Rate AtWhen You Spend
3 months7.88% p.a.and no one-time upfront handling feeRM500
6 months7.88% p.a.and no one-time upfront handling feeRM500
12 months7.88% p.a.and no one-time upfront handling feeRM500
Learn more about AmBank AmFlexi-Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    First 3 supplementary cards are free for life, 4th supplementary card onwards is RM188 p.a.

  • 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 Compensation
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM12
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 36 months of an instalment plan at a 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 Payment Plan for a competitive upfront fees and flexible repayment periods.
Balance Transfer Plans
AmBank Balance Transfer
Get a flexible repayment up to 60 months with interest rate as low as 4.88% per annum with AmBank when you transfer a minimum amount of RM1,000.

Review

Looking for a credit card that makes your road trips more pleasant? If you are always travelling from one city to another, the AmBank Islamic Visa Platinum CARz Card is your travel companion.

Save Money With Petrol Cashback

This AmBank Islamic Visa Platinum CARz Card lets you earn cash rebates when you refuel at any petrol station in Malaysia.

Get up to a 5% cash rebate, capped at RM80 per card every month, when you make a minimum or partial credit card payment every month (categorised as a Revolver). If you prefer to pay your card bills in full, you will still get a 2% cash rebate, capped at RM20 per card every month (categorised as a Transactor). 

Both the principal and supplementary cardholders are eligible for this petrol cash rebate, so the whole family can save.

Free For Life, No Conditions Attached

You can save money on petrol refills, and both the principal and supplementary cardholders also get this AmBank Islamic Visa Platinum CARz Card free for life, with no conditions attached.

Payment Convenience With Digital Wallets

The card supports digital wallets like Apple Pay and Google Pay. It also offers financial planning tools like the 0% Easy Payment Plan (EPP) for large purchases at partners (up to 36 months) and AmFlexi-Pay to convert other retail transactions into manageable instalments.

With a minimum annual income requirement of just RM24,000 p.a., this Platinum-tier card is highly accessible to the mass market.

How AmBonus Points Work

Beyond petrol cashback, you can earn 1X AmBonus Point for every RM1 spent on local retail purchases, or 2X points for overseas retail purchases. Online overseas transactions, petrol purchases, prepayments, balance transfers, cash advances and charity payments don’t earn points.

Your points are valid for three years, and you use the oldest points first. You can redeem them for gifts, vouchers, air miles or cash rebates through AmBank’s rewards catalogue and e-redemption form. At participating merchants, you can also use points when paying, generally at 600 points per RM1, with a minimum redemption of 1,500 points.

If you’re the principal cardholder, you can redeem points earned on both your card and any supplementary cards, provided your account isn’t overdue or in default. Points can’t be transferred or exchanged for cash.

Credit Card » AmBank
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