AmBank M-Platinum Visa Card credit card

AmBank M-Platinum Visa Card

Collect tons of reward points when you spend in Malaysia or overseas. Secure your holiday with free travel insurance and purchase protection!

  • 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

Enjoy rewards when you collect AmBonus and BonusLink Points everytime you swipe your credit card. For every RM10 you spend, you will earn 3 BonusLink Points locally and 6 Points overseas with your new AmBank M-Platinum Visa Card.
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)
Want to spend but disheartened by the hefty price tag? Enjoy ZERO interest on 3 or 6 months instalment with participating merchants. Otherwise, you can enjoy instalment interest as low as 3% on 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
Stay protected with protection of up to RM2 million travel insurance for you and your family. Just charge your full travel fare to your AmBank credit card for complete peace of mind.
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
Unlimited complimentary Plaza Premium Lounge access at 17 international airports. Just charge 3 overseas transactions your credit within 30 days of your lounge visit for it to be free of charge!

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 Visa Card review

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

More Rewards

Unlike any ol' reward credit card, when you swipe your AmBank M-Platinum Visa at the restaurant or mall, you'll earn not 1 but 2 types of reward points - you'll get both AmBank points and BonusLink points to redeem amazing gifts and prizes from the rewards catalogue. What's the trick to earning both at one go? All you have to do is spend at any Bonuslink merchant such as any Shell petrol station, Parkson, or Caring pharmacies in Malaysia.

For BonusLink Points, you earn 3 points on your local spending and 6 points on overseas spending for every RM10 charged to your Ambank credit card. As for AmBank reward points, you'll collect 1 point for every RM1, and 5x that amount when you spend overseas.

Insurance Protection

Who pays for their travel arrangements using cash these days? Get complete financial protection of up to RM2 million when you're on holiday just by charging your full ticket fare to your new AmBank credit card.

Got butterfingers? There's also purchase insurance against the loss, theft, and accidental damage for up to RM200,000 per year. In order to make a claim, you need to report to AmBank within 15 days of purchase. If you bought something overseas, you get an extra 15 days!

Free Airport Lounge Access

With your AmBank M-Platinum Visa credit card, you can now access to Plaza Premium Lounge for FREE to escape the busy and noisey airport departure hall. The complimentary access is available for all domestic and international lounges. All you need is to charge your credit card at least 3 times while you're overseas twithin 30 days of your visit.

Something For The Ladies

AmBank will give 3 complimentary benefits to lady cardmembers – health check up, car assistance, and wallet guard. Get free health check and examination at BP Healthcare Group for any breast lumps or tumour - you will just need spend RM3,000 a year to enjoy this health benefit.

For the first 12 months, you are free to seek car assistance, same goes to the wallet guard coverage against theft. As long as you spend a minimum of RM6000 a year, the benefits are all yours for the subsequent years.

Dining and Hotel Privileges

As long as you are AmBank M-Platinum Visa card member, you are free to join Hilton Premium Club. A membership card will be given too. As a member, you can enjoy dining privileges of up to 50% and cheaper hotel room rates of up to 20% off. You can enjoy the benefits continuously for free with a minimum spending of RM30,000 within a year.

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