AmBank Platinum MasterCard credit card

AmBank Platinum MasterCard

With worldwide recognition, the AmBank Platinum Credit Card helps you manage your wealth better and protect you with complete insurance coverage

  • 15% p.a. interest rate
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for AmBank Platinum MasterCard

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Because you should be rewarded for giving the bank your business

Reward yourself with amazing gifts and prizes from the AmBonus Rewards Redemption Programme. All you have to do is collect AmBonus points on every ringgit you charge on your credit card. Better yet, you get double the reward points when you spend on credit overseas! Petrol and online purchases not included.
AmBonus Points
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your AmBonus Points earned expires in  3 years
Balance Transfer
Don't get stuck paying for your credit card interest fees forever! AmBank AmTransfer offers interest rates from 4.99% p.a. and payment terms up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 4.99% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
24 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
AmBank EPP offers zero interest for up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay 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 RM1000 
Learn more about AmBank Easy Payment Plan
Travel with absolute peace of mind knowing that you and your family members are protected with RM1 million travel insurance coverage and enjoy FREE companion travel when you fly First or Business Class on partner airlines.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1600
Delayed LuggageUp to RM800
Get admitted to a whole realm of private Wealth Management services and have the convenience of 24-hour MasterCard Customer Service and Concierge Service that assist cardholders with travel information, entertainment planning, general medical information, doctor and hospital referrals, or business services.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for the first 3 supplementary cardholders
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
RM53.00 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


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


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.
Balance Transfer
AmBank AmTransfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank Platinum MasterCard review

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

Who could ever imagine a piece of plastic can bring you all the shopping convenience you dreamed of. AmBank Platinum MasterCard gives you more than just convenience, it also makes your shopping experience a whole lot more satisfying and rewarding!

Travel in Class

If you are a travel junkie, you probably are already tired and sick of the seats with worn-out cushions in the airport common boarding area and all the blaring noises around you. You can now enjoy the serenity of Plaza Premium Lounge for free with this credit card!

All you have to do is swipe your AmBank Platinum MasterCard overseas at least 3 times while you're travelling, and free access to 17 international airports premium lounges will be yours. There's a little catch to it, all 3 swipes must be made within 30 days before or after your visit to the lounge and the free access will also expire within 30 days from your first swipe.

Easy Points, Easy Redemption

While spending with your credit card overseas saves you from the trouble and danger of carrying a bulk of cash, you'll also get to earn 2 AmBonus Points for every RM1 spent outside of Malaysia. Conversely, every RM1 charged to your card locally gives you 1 AmBonus Points.

Exchange your accumulated points for smart home appliances ranging from air steriliser to air fryer, trendy luggage bag or even perfume that you could use as a gift. There's more you can do with your AmBonus Points. Look out for AmBonus Points Xchange signage when you're out shopping as they're the AmBank participating merchants that allow you to redeem their products with your points.

Every 200 points is equivalent to RM1 and to redeem an item, you must have at least a balance of 1500 points in your account.

A Protected Journey

Accidents could happen to anyone, anywhere and anytime. More so when you're at a place that you are not familiar with. Get financially protected with comprehensive travel insurance when you charge your flight tickets to your AmBank Platinum MasterCard in full. Should you suffer from accidental permanent disability or the worst of all – death *touch wood*, you or your beneficiary will be compensated up to RM1,000,000.

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