AmBank Visa Platinum

Supercharge your holidays with the AmBank Platinum credit card - comprehensive travel insurance, and up to 2x AmBonus Points to be earned!

AmBank Visa PlatinumBonus reward points and air miles
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Lazada E-Voucher
worth RM50
when you apply through RinggitPlus
Terms and conditions apply

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You will be entitled to 1X AmBonus Point on every RM1 you charge on your AmBank credit card, or 2X if you spend overseas. You have a wide choice of gifts and vouchers for redemption in the AmBonus Rewards Catalogue. You also have a choice to use your points for air miles at over 50 partner airlines. The AmBonus Points will have a 3-year expiry. Over 500 card deals and privileges from categories such as shopping, dining, eCommerce, travel and pampering. Find out more on AmBank Spot.

AmBonus Points
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses


Don't let a few mishaps ruin your vacation or business trip. With the AmProtector Insurance, you will get free Travel Insurance of up to RM1 million for you and your family. Get protection against lost luggages and missed flights.

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


24-hour Platinum Priority Line at 1300 80 8080 (domestic) & 03-2178 6600 (international). Indulge in Dining & Hotel room privileges at Hilton hotels of up to 50% discount on dining, and 20% off for accommodations.

Easy Payment Plans

AmBank's AmFlexi-Pay offers zero interest for up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay instalment interest as low as 3% on all the other purchases.

AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM200
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 feeRM2,000
Learn more about AmBank Easy Payment Plan
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

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Free for the first 3 supplementary cardholders

    Waived when 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
Contact-less Payment Methods


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


Easy Payment Plan
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 24 months of instalment plan at 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 Flexi Payment Plan for a competitive upfront fees and flexible repayment periods.


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

Dining & Hotel Room Privileges at Hilton

With Ambank Visa Platinum, you can sign up for a complimentary Hilton Dining Asia Pacific Membership Card that grants you exciting discounts for dining and hotel rooms at Hilton hotels.

Every time you book a room or two at any Hilton hotels within Asia Pacific, you will receive up to 50% discount on dining. If it's your birthday, a complimentary birthday cake and buffet is yours to indulge in too! 

20% off the Easy Cancellation Rate for accommodations will be given to you as well when you charge your room booking with Ambank Visa Platinum card.

Please be noted that the above privileges are extended FREE to card members that spend RM30,000 over a year from the date of successful membership enrolment.

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 Points.

Exchange your accumulated points to smart home appliances ranging from air steriliser to air fryer, trending luggage bag 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 is equivalent to RM1 and to redeem an item, you must have at least a balance of 1500 points in your account.

A Protected Journey

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 the worst of all – death *touch wood*, you or your beneficiary will be compensated up to RM1,000,000.