AmBank UnionPay Platinum Credit Card

Get 2x free yearly access to airport lounges, reward points on overseas spending, and lifestyle benefits with an AmBank UnionPay Platinum card.

AmBank UnionPay Platinum Credit CardTravel Benefits
Min. Income
RM5,000/month
Annual Fee
Free*
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM1888
when you apply through RinggitPlus *

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Rewards

5x AmBonus Points for overseas retail spending, except online transactions, and 1x AmBonus Points 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 Rewards Point
EarnSpend
5 points on every RM1on all overseas retail expenses, except online transactions
1 point on every RM1on all local retail expenses

Travel

The principal cardholder can enjoy 2x complimentary yearly access to participating Plaza Premium Lounges with a minimum spend of RM1,000 within a calendar month before each visit, and RM1 million travel insurance coverage for you and your family members, provided you charge the full fare of your flight ticket(s) with your AmBank credit card. Other terms may apply.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM800

Premium

Pay seamlessly and securely with Apple Pay and Google Pay. Just add this AmBank Islamic credit card to your smartphone and enjoy speedy checkouts online and offline! Enjoy premium golf privileges at 350+ golf courses worldwide, including a 24-hour UnionPay Concierge Service.

Balance Transfer

Transfer your outstanding balances from other banks' credit cards to a new AmBank credit card, and enjoy low interest rates. The minimum transfer is RM1,000.

Pay OverWith Interest Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
48 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
60 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about AmBank Balance Transfer

Easy Payment Plans

AmBank Easy Payment Plan offers up to 36 months of payment tenures at 0% interest on retail purchases from a range of approved merchants. For other purchases, AmBank AmFlexi-Pay offers low interest rates for up to 12 months.

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
AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months7.88% p.a.and no one-time upfront handling feeRM500
6 months7.88% p.a.and no one-time upfront handling feeRM500
12 months7.88% p.a.and no one-time upfront handling feeRM500
Learn more about AmBank AmFlexi-Pay

Fees & Charges

Annual Fee
  • RM450 primary card

    Free for first year

    Waived when you meet a minimum spending of RM20,000 yearly 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
18%

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
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.
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 Payment Plan for a competitive upfront fees and flexible repayment periods.
Balance Transfer Plans
AmBank Balance Transfer
Get a flexible repayment up to 60 months with interest rate as low as 4.88% per annum with AmBank when you transfer a minimum amount of RM1,000.

Review

Upgrade Your Travel With The AmBank UnionPay Platinum Credit Card

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.

Access To Plaza Premium Lounge And Free Travel Insurance

On top of allowing you to collect points faster, this first local bank-issued UnionPay Platinum card gives you more travel benefits, such as:

2X Complimentary Access to Plaza Premium Lounge

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

Get 2x complimentary access per year to participating Plaza Premium Lounges at over 27 major airports worldwide when you spend a minimum of RM1,000 on retail purchases within a calendar month before 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 terms and conditions.

Free RM1 Million Travel Insurance Coverage

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

Check out the insurance policy 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 Travel And Lifestyle Privileges

This AmBank UnionPay Platinum 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
  • 24-hour UnionPay Concierge Service for all your travel needs

Who Can Apply For The 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. Supplementary card applicants must be at least 18 years old to be eligible.

Credit Card » AmBank
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