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.

AmBank M-Platinum MasterCardDouble Reward Points
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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


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 RM2,000,000
Travel InsuranceUp to RM2,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM3,000
Lost LuggageUp to RM6,000
Delayed LuggageUp to RM3,000


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.

Easy Payment Plans

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.

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
  • RM450 primary card
  • RM250 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
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Invitation Only


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.


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.