AmBank Islamic Visa Platinum Card

Get 2X AmBonus Points on overseas spend, up to RM500,000 in travel insurance and no annual fee for life.

AmBank Islamic Visa Platinum Card2X Points Overseas, No Annual Fee
Min. Income
RM2,000/month
Annual Fee
Free
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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Apple iPad Air M4
worth RM3499
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Our Previous Winners

  • Too Kah Lok
  • Asha Nabila Binti Ahmad Rozi
  • Chan May Yee & Goh Hui Xiang
  • Farra Adiba
  • Yau Yit Huan
  • Swee Ling Ying
  • Choong Zhen Han
  • Lee Tiam Wee
  • Mark Chan Keat Jin
  • Nick Lau
  • Wan Izzul Fathi
  • Nurul Syahida
  • Larry Cheong
  • Vijay Nair
  • Gopikrishn Murthy
  • Mohd Wajdi Bin Mohd Fakhruddin

Hear from our users

Find out how Malaysians start making smart financial decisions with us
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Rewards

Enjoy 2X AmBonus Points for overseas spending and 1X AmBonus Points for other spending.

AmBonus Rewards Point
EarnSpend
2 points on every RM1on all overseas retail expenses, except online transactions
1 point on every RM1on all local retail expenses

Travel

Get up to RM500,000 in complimentary travel insurance when you charge the full fare of your flight tickets with this card.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,300
Delayed LuggageUp to RM600

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

  • 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

Collect Reward Points For Every Spending

The AmBank Islamic Visa Platinum Card rewards you with 1x AmBonus Reward Points for every RM1 spent locally. You can even earn double points for overseas spending. However, you earn 1x AmBonus Point for all online transactions regardless of where you are.

You can convert your accumulated points for redemption into wide categories via the AmBonus Rewards Catalogue, such as the following.

  • Homeware and kitchen appliances
  • IT or gadgets and accessories
  • Travel and outdoor
  • Kids
  • Personal and health care
  • His and hers
  • Vouchers
  • Air miles

Check the  terms and conditions for more details.

A Credit Card That Is Free For Life

The annual fee is waived for life with no conditions for this AmBank credit card.

You can enjoy this privilege as long as you are 21 years old or above and have a minimum income of RM24,000 a year.

Of course, you can share the benefits of this card with your beloved family members aged 18 and above by giving them supplementary cards, which also have no annual fees.

Complimentary Travel Takaful Coverage

Get protected with complimentary travel Takaful coverage of up to RM500,000 every year when you charge the full fare of your flight tickets on your AmBank Islamic credit card. 

Now you can travel with peace of mind, knowing you and your family members are covered under travel protection.  Check out the terms for this privilege for more details.

Interested in applying? Please prepare the following documents based on your employment type and income.

Salaried (Fixed Income)

  • ONE (1) document:
    • Latest EPF/CPF statement (minimum 3 months' contributions)
  • OR TWO (2) documents:
    • Latest 1 month's salary slip; AND one of the following:
    • Latest EPF/CPF statement; OR
    • Salary-crediting bank statement; OR
    • Latest BE Form with tax payment receipt

Salaried (Fixed and Variable Income)

  • ONE (1) document:
    • Latest EPF/CPF statement (minimum 3 months' contributions)
  • OR TWO (2) documents:
    • Latest 3 months' salary slips; AND one of the following:
    • Latest EPF/CPF statement; OR
    • Salary-crediting bank statement; OR
    • Latest BE Form with tax payment receipt

Salaried (Government)

  • ONE (1) document:
    • Latest 1 month's salary slip with verification QR code

MNC / GLC / PLC / AmBank@Work / Payroll / AMS B/PB

  • ONE (1) document (choose any):
    • Latest 1 month's salary slip (fixed income); OR
    • Latest 3 months' salary slips (fixed and variable income); OR
    • Latest EPF/CPF statement (minimum 3 months' contributions); OR
    • Latest 3 months' salary-crediting bank statements

Self-Employed / Business Owner

  • Business registration documents
  • Latest B/BE Form with tax payment receipt or Notice of Assessment (NOA)
  • Latest 6 months' business or personal bank statements

Commission Earner

  • Latest B/BE Form with tax payment receipt / CP58 / commission statement; AND
  • Latest 6 months' commission-crediting bank statements
Credit Card » AmBank
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