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
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 2x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for AmBank Visa Platinum

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My income is greater than RM48000 a year. That's at least RM4000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

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
Earn	Spent
1 point on every RM1	on all local retail expenses
2 points on every RM1	on all overseas retail expenses

Your AmBonus Points earned expires in 3 years

Balance Transfer

AmBank AmTransfer offers interest rates from 4.99% and payment terms up to 24 months, useful to consolidate debts and increase savings.

Pay Over	With Interest Rate At	When You Transfer
12 months	0% p.a. and 0% one-time upfront handling fee	from RM4000
12 months	0% p.a. and 4.88% one-time upfront handling fee	from RM1000
24 months	0% p.a. and 4.88% one-time upfront handling fee	from RM1000
36 months	0% p.a. and 4.88% one-time upfront handling fee	from RM1000

Learn more about AmBank AmTransfer

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 Over	With Interest Rate At	When You Spend
6 months	3% p.a. and no one-time upfront handling fee	from RM500
12 months	4% p.a. and no one-time upfront handling fee	from RM2000
18 months	5% p.a. and no one-time upfront handling fee	from RM4000
24 months	6% p.a. and no one-time upfront handling fee	from RM5000

Learn more about AmBank AmFlexi-Pay

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000

Learn more about AmBank Easy Payment Plan

Travel

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 Coverage	Sum Insured
Personal Accident	Up to RM1000000
Travel Insurance	Up to RM1000000
Delayed Flight	Up to RM800
Missed Flight	Up to RM800
Lost Luggage	Up to RM1600
Delayed Luggage	Up to RM800

Premium: 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

RM0

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

RM0

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

18%

Daily Maximum Cash Withdrawal

RM5000

Requirements

Are you eligible for this credit card?

Minimum annual income: RM48000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Anybody

Features

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.

Balance Transfer: AmBank AmTransfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

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!

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.