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

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

Touch 'n Go E-Wallet Credit

Our Previous Winners

Rewards

2X AmBonus Points for overseas retail spending and 1X AmBonus Points for other spending.

AmBonus Rewards 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 RM500,000 per annum when you pay for your flights with this card. Terms 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 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 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
  • RM0 primary card

    Free for life

  • 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 would have thought a piece of plastic could bring you all the shopping convenience you dreamed of? The AmBank Visa Platinum Card gives you more than convenience, it also makes your shopping experience more satisfying and rewarding!

Easy Points, Easy Redemption

Spending with your credit card overseas saves you from the trouble and danger of carrying a lot of cash, and you also earn 2x AmBonus Points for every RM1 spent outside Malaysia. Conversely, every RM1 charged to your card locally gives you 1x AmBonus Point.

Exchange your accumulated points for smart home appliances ranging from air sterilisers to air fryers, trending luggage bags, or even perfume you can use as a gift.

A Protected Journey While Travelling

Accidents could happen to anyone, anywhere and anytime. Especially when you're in a place you are not familiar with. 

Get financially protected with comprehensive travel insurance when you charge your flight tickets in full to your AmBank Visa Platinum. Should you suffer from accidental permanent disability or, worst of all, death, you or your beneficiary will be compensated for RM500,000 per year.

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 and have a minimum annual income of RM24,000. You can also extend this privilege to loved ones aged 18 and above by providing them with supplementary cards, which are free for life.

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