AmBank M-Platinum MasterCard credit card

AmBank M-Platinum MasterCard

Double your rewards with AmBonus Points and BonusLink Points. Free travel insurance everytime you charge your flight tickets on your credit card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM450.00 annual fee
  • Earn up to 6x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Stand a chance to redeem even more aways with your AmBank credit card. Why? You will collect both AmBonus Points and BonusLink Points on each credit card transaction. Earn 3 points in Malaysia and 6 points overseas with every RM10 you spend.
AmBonus Points
3 points on every RM10on local spending
6 points on every RM10on overseas spending
Your AmBonus Points earned expires in  3 years
Easy Payment Plan (EPP)
There's nothing like not having to pay the full price of your bill on-the-spot. Have 0% interest on your instalment for up to 6 months with a minimum spend of RM500. Pay instalment interest as low as 3% for 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 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 RM2000 
Learn more about AmBank Easy Payment Plan
Have full family protection when you jetset overseas to your next holiday destination. Get covered with travel insurance up to RM2 million. Just charge your full air tickets fare on your credit card.
Travel CoverageSum Insured
Personal AccidentUp to RM2000000
Travel InsuranceUp to RM2000000
Delayed FlightUp to RM1000
Missed FlightUp to RM3000
Lost LuggageUp to RM6000
Delayed LuggageUp to RM3000
Escape from busy airports with privileged access to Plaza Premium Lounge at all domestic airports and 17 international airports. Just charge at least 3 overseas transactions to your AmBank credit card within 30 days of your lounge visit.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Invitation Only


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.

AmBank M-Platinum MasterCard review

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

Find your sweet spot with Ambank’s by invitation only M-Series Platinum MasterCard that gives you double reward points, free Plaza Premium Lounge access, 0% EPP, complimentary health checkups and a tonne insurance benefits – we’ve got all its members benefits listed out for you. Talk to your Ambank representative today to see if you qualify.

More Reward Points

Double your rewards with not one, but two different Reward Points when you spend with your Ambank M-Platinum MasterCard. That’s right, you no longer just get Ambank bonus points with this credit card. For every RM10 you swipe, you’ll get 3 BonusLink points in addition to your Ambonus points.

And don’t forget to take your M-Platinum card with you the next time you go on holiday. All spending abroad gives you double the Bonus Link points, or 6 points for every RM10 you spend. That’s double on a double!

Hilton Hotel and Dining Privileges

Get big discounts the next time you’re dining or staying the night at a Hilton Hotel. What’s on the menu? You’ll get up to 50% dining discounts at Hilton Hotels in Malaysia, Thailand and China with your M-Platinum MasterCard. Or cozy up in any 5-Start Hilton hotels in Asia and get 10% off on the best available room rates.

The next time you’re in the Middle East whether for business or leisure, use your M-Platinum MasterCard and get up to 20% on dining discounts and best available room rates at participating Hilton hotels.

Free Airport Lounge Access

Got hit by the travel bug? Frequent travellers get complimentary access to Plaza Premium Lounges at 17 international airports around the world. Just remember to charge a minimum of 3 overseas transactions to your credit card within 30 days before or after each lounge entry.

Purchase Protection Plan

Charge your shopping to your Ambank M-Platinum Card and get coverage up to RM200,000 each year against theft, loss and accidental damage. Valid for up to 15 days from the date of purchase in Malaysia and 30 days for purchases while overseas.

Platinum Lady Privileges

  • Women’s Health

Dear ladies, your man may not always remember to look out for you, but no worries. Specially for women cardholders, you’ll get a free Yearly Women Health screening package from BP Healthcare Group hospital across Malaysia when you spend a minimum of RM3,000 a year.

This medical check up includes marker test for ovary and breast tumours, body consultation, breast examination, and bone density test. Charge the minimum amount required to your M-Platinum MasterCard and Ambank will send an SMS to confirm your eligibility, each year.

  • Car Assistance and Wallet Theft

Worried about your car breaking down at a bad time, or losing your purse during a snatch theft? All you’ve got to do is spend a minimum of RM6,000 a year and you’ll free car assistance and wallet insurance from Ambank to alleviate some of your worries. Both benefits are complimentary for the first 12 months.

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