AmBank Visa Platinum Card

No annual fee, more rewards with the AmBank Visa Platinum Card

AmBank Visa Platinum Card2X Points Overseas, Free for Life
Min. Income
RM2,000/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

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Rewards

2X AmBonus Points for overseas retail spend 1X AmBonus Points for other spend

AmBonus Reward Point
EarnSpend
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses

Travel

Get free travel insurance for up to RM500,000

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

Enjoy a 24-hour Platinum Priority Line locally and internationally. Over 500 card deals and privileges from categories such as shopping, dining, eCommerce, travel and pampering with AmBank Spot. All are subject to terms and conditions.

Balance Transfer

Transfer your outstanding balances from other banks' credit cards to a new AmBank credit card, and enjoy interest rates as low as 4.88% per annum with no upfront fees. 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's AmFlexi-Pay offers zero interest for up to 24 months of payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay instalment interest at zero interest on all the other eligible purchases with AmBank EPP.

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
  • RM0 primary card

    Free for life

    Free for the first 3 supplementary cardholders, 4th supplementary card onwards is RM188 p.a.

  • RM0 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%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
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

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

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 Point.

Exchange your accumulated points for smart home appliances ranging from air sterilisers to air fryers, trending luggage bags 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 are equivalent to RM1 and to redeem an item, you must have at least a balance of 1500 points in your account.

A protected journey while travelling

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 Visa Platinum in full. Should you suffer from accidental permanent disability or worst of all – death *touch wood*, you or your beneficiary will be compensated up to RM500,000.

Find out more details about this privilege in the Automatic Travel Insurance Policy.

Free-For-Life credit card

This AmBank credit card comes with a completely free annual fee, with no conditions attached to the fee waiver.

You can enjoy this benefit as long as you're 21 years old and above besides have a minimum annual income of RM24,000.

Additionally, you can extend this privilege to your loved ones aged 18 and above by providing them with supplementary cards.

The first three supplementary cards are free for life, but from the fourth supplementary card onward, an annual fee of RM188 will apply.

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