AmBank UnionPay Platinum Credit Card

Get 2x free access to participating airport lounges, 5x reward points for spending overseas, and a 30% discount on golf with an AmBank UnionPay Platinum credit card.

AmBank UnionPay Platinum Credit CardBonus reward points and travel benefits
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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5x AmBonus Points for overseas retail spending (except online transactions) and 0.5x AmBonus Point for any other local spending. Convert reward points to air miles, or redeem gifts for your loved ones. Over 500 card deals and privileges from categories such as shopping, dining, eCommerce, travel and pampering. Find out more on AmBank Spot.

AmBonus Points
5 points on every RM1on all overseas retail expenses (except for online transactions)
0.5 point on every RM1on all local retail expenses


Enjoy 2x complimentary access to participating Plaza Premium Lounges, and RM1 million travel insurance coverage for you and your family members (terms apply!).

Travel CoverageSum Insured
Personal AccidentUp to RM1,000,000
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM1,600
Missed FlightUp to RM1,600
Lost LuggageUp to RM3,200
Delayed LuggageUp to RM1,600


Premium Golf Privileges at over 350 golf courses around the world. Complimentary access to UnionPay Lounge at Pavilion Mall, Kuala Lumpur, for you to sit back and relax. Enjoy attractive dining and accommodation benefits at Club Marriott in Malaysia and Asia Pacific.

Easy Payment Plans

Enjoy ZERO interest on 3 or 6 months installment with participating merchants. Else, you can opt for low-interest installment starting from 3% on other purchases.

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
AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
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 feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about AmBank Easy Payment Plan

Fees & Charges

Annual Fee
  • RM450 primary card

    Free for first year

    Waived when you spend RM20,000 in the subsequent years

  • 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
RM50 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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


Easy Payment Plan
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!
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 36 months of an instalment plan at a 0% interest rate on hundreds of products available at selected partner stores.
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.


Upgrade Your Travel Styles

Whether for business or holiday purposes, anyone who travels frequently will benefit greatly from holding an AmBank UnionPay Platinum Credit Card. 

Use your AmBank UnionPay Platinum credit card to pay for every retail purchase when you're overseas and you'll be surprised to see that for every Ringgit swiped, you earn 5x AmBonus Points. 

It's a faster way to rack up so many points in a short period of time so that you can redeem the points with amazing products (think of a new winter gear or summer dress for the next vacation) and vouchers to upgrade your lifestyle.

Or, you can save money on flight tickets by converting the points to air miles. With AmBank UnionPay Platinum Credit Card, you can tick off that travel bucket list faster than ever before.

The Travel Benefits of AmBank UnionPay Platinum Credit Card

On top of allowing you to collect points faster (5x AmBonus Points for every RM1 overseas spend), this first local bank-issued UnionPay Platinum card gives you more travel benefits such as:

Complimentary Access to Plaza Premium Lounge

Experience the premium service, privacy and comfort of the airport lounge where you can unwind and recharge yourself with food, drinks, entertainment, personal grooming and many more for 3 hours.

Get 2x complimentary access per year to participating Plaza Premium Lounges at over 27 major airports worldwide when you spend a minimum of RM500 on retail purchases before or after accessing the lounge.

If you're travelling with a partner or in a group, they are also entitled to a 25% discount on all lounges in Malaysia and a 20% discount on all lounges overseas.

Find out more details about the airport lounge benefit in the T&C.

RM1 Million Travel Insurance Coverage

Remember to use your AmBank UnionPay Platinum Credit Card when you're paying the full fare of your airline ticket(s) to enjoy complimentary travel insurance with RM1 million personal accident coverage.

Check out the insurance policy here for more information on this privilege.

Here's the complete list of travel insurance coverage that you will get from this credit card:

AmBank UnionPay Platinum Credit Card Travel Insurance Benefits Sum Insured
Personal Accident / Death RM1 million
Luggage Loss Expenses  up to RM3,200
Delayed Flight up to RM1,600
Luggage Delayed Expenses up to RM1,600
Missed Flight Connection / Overbooked Flight up to RM1,600

Other AmBank UnionPay Platinum Credit Card Privileges

This AmBank UnionPay credit card offers more than just travel benefits for you, such as:

  • Premium golf privileges at over 350 golf courses across the world
  • Discounts and promotions on dining, lifestyle and shopping worldwide
  • Up to 50% off on dining, complimentary birthday cake and buffet at all 15 participating Club Marriott Malaysia and 20% off on Best Available Rate (minimum spend RM30,000 per year)
  • Complimentary access to UnionPay Lounge at Pavilion Mall, Kuala Lumpur - enjoy a cup of tea or coffee before or after your shopping experience

Who Can Apply for AmBank UnionPay Platinum Credit Card?

Anyone with a minimum age of 21 years old and earning RM60,000 per year can apply for this credit card. 

For the supplementary card applicants, they have to be at least 18 years old.

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