AmBank Visa Platinum credit card

AmBank Visa Platinum

Supercharge your holidays with the Ambank Platinum credit card - free airport lounge access, travel insurance, and 24-hour MasterCard Customer Service

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

You will be entitled to 1 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.
AmBonus Points
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your AmBonus Points earned expires in  3 years
Easy Payment Plan (EPP)
AmBank EPP 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.
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feefrom RM500 
12 months4% p.a. and no one-time upfront handling feefrom RM2000 
18 months5% p.a. and no one-time upfront handling feefrom RM4000 
24 months6% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM200 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about AmBank Easy Payment Plan
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 RM1000000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1600
Delayed LuggageUp to RM800
24-hour Platinum Priority Line at 1300 80 8080 (domestic) & 03-2178 6600 (international), Enjoy FREE companion travel when flying First or Business Class on participating airlines and receive preferential service at the best gold courses in the world

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for the first 3 supplementary cardholders
  • Waived when 4th supplementary card onwards is RM188 per annum
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM50.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
AmBank QuickCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.

AmBank Visa Platinum review

What's so good (or not so good) about it?

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!

Travel in Class

If you are a travel junkie, you probably are already tired and sick of the seats with worn-out cushions in airport common boarding area and all the blaring noises around you. You can now enjoy the serenity of Plaza Premium Lounge for free with this credit card!

Click here to view the list of available airport lounges

All you got to do is swipe your AmBank Visa Platinum overseas while you're travelling at least 3 times and a free access to 17 international airports premium lounges will yours. There's a little catch to it, all 3 swipes must be made within 30 days before or after your visit to the lounge and the free access will also expire within 30 days from your first swipe.

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.

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