AmBank Platinum MasterCard credit card

AmBank Platinum MasterCard

Enjoy Platinum benefits: 2x premium airport lounge access, free travel insurance, hotel and dining privileges and AmBank private banking admission

  • 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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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Spending overseas gains you 2x AmBonus Reward Points while all local retail expenses earns you 1x AmBonus Reward Point. Swipe your AmBank Platinum MasterCard for all purchases, collect points and redeem some awesome products available at AmBonus E-Catalogue.
AmBonus Points
EarnSpent
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses
Your AmBonus Points earned expires in  3 years
Balance Transfer
Outstanding debt is giving you headache? Consolidate all of your credit card debts into AmBank Platinum MasterCard via AmTransfer for a one-time interest charge as low as 4.99% p.a. and a flexible repayment 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 Easy Payment Plan offers 24 months payment terms with 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay for as low as 3%.
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
A complimentary travel insurance protection up to RM1 million and travel compensation for inconveniences such as lost/delayed luggage and missed/delayed flight.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1600
Delayed LuggageUp to RM800
Premium
Exclusive wealth management service via AmPrivate Banking. Additionally, all principal and supplementary cardholders get 2x Plaza Premium Lounge access per year.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • 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
18%

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM48000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians and Permanent Residents

Features

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?

A FREE-for-Life Platinum credit card for travel, rewards, bill payment, cash management and your lifestyle. Suitable for anyone aged 21 years and above and earn a minimum of RM48,000 annually.

Traveling Perks

Why deplete your cash resources when you can get rewarded when paying with AmBank Platinum MasterCard? Travel the world with smart. Get 2x complimentary access to Plaza Premium Lounge every year where you can sit back and relax for maximum 3 hours per entry.

Moreover, you are also automatically covered with a travel insurance protection worth RM1 million per cardholder, in addition to cash payout up to RM4,000 for travel inconveniences when you charge your full fare to this Platinum MasterCard.

That's not all, there is a standby Concierge Services for you 24-hour a day, 7-day a week, just to cater to your emergency and inquiries. MasterCard Customer Service will help you in getting your travel information, entertainment planning, medical and cash assistance and what have you.

Dining and Hotel Privileges

As long as you spend a minimum of RM30,000 over one (1) year from the date of Hilton Premium Club Membership enrollment, you are entitled for the extended privileges such as fancy dining discount up to 50% and 10% off on hotel room rates for all participating Hilton Worldwide Hotels in Asia.

Access to Wealth Management

The best part about signing up this credit card-i is that you are one foot away from entering the realm of Wealth Management via AmPrivate Banking, even on a lower entry threshold. Just call AmPrivate Banking Client Service Department at 03 2036 1316 for more information.

AmBonus Reward Points

With AmBank Platinum MasterCard, you can earn 2x AmBonus Reward Point when you swiped on retails overseas, 1x AmBonus Reward Point on all retail expenses locally. Collect as many reward points as you can to redeem a wide array of products, gifts and vouchers in the AmBonus E-Catalogue!

For as low as 1,500 AmBonus Points, you can redeem anything on-the-spot at AmBank's participating partners, namely Courts, ESH, Sen Heng, SenQ, Cosway and Mydin. Upon payment, just inform the cashier that you wish to use your AmBonus Points to pay.

Auto Bill Pay

Electric, water, telco, insurance, you name it. Life would be much easier when you enroll into AmBank Auto Bill Pay Service and let your Platinum credit card does the payment for you. In a way, you will never forget to pay and have zero outstanding payment on utilities.

If you have monthly commitment with these service providers, then it is highly encouraged to sign up:

  • Tenaga Nasional
  • Telekom Malaysia
  • Astro
  • Allianz Insurance
  • MCIS Insurance
  • Zurich Insurance
  • DiGi
  • Maxis
  • Celcom
  • U Mobile
  • Tune Talk
  • XOX

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