AmBank World MasterCard credit card

AmBank World MasterCard

Big discounts on golf, dining and hotel rooms at Hilton Hotels, plus 5x free access to Plaza Premium Lounge and 20% cashback by MasterCard Travel Rewards.

  • 15% p.a. interest rate
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 5x reward points 
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 20% cashback when you shopping at over 185 retailers across 11 countries worldwide with MasterCard Travel Rewards.
Rewards
5x AmBonus Points for spending outside of Malaysia, except online transactions. Convert AmBank Rewards Points to Air Miles at over 50 airline partners, or redeem products or vouchers.
AmBonus Points
EarnSpent
5 points on every RM1on all overseas retail expenses (except for online transactions)
1 point on every RM1on all local retail expenses
Your AmBonus Points earned expires in  3 years
Easy Payment Plan (EPP)
AmBank Easy Payment Plan offers 24 months payment terms with 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay for as low as 3%.
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
Travel
5x free access to Plaza Premium Lounge per year with minimum spend of RM500. Get comprehensive protection such as up to RM2 million travel insurance, e-Commerce Purchase Protection and Wallet Guard.
Travel CoverageSum Insured
Travel InsuranceUp to RM2000000
Delayed FlightUp to RM1000
Missed FlightUp to RM3000
Lost LuggageUp to RM6000
Delayed LuggageUp to RM3000
Premium
Enjoy 50% discount on green fees at participating premier golf clubs in Southeast Asia. That's not all, get up to 50% dining discount and up to 20% hotel discount at Hilton Hotels across 16 Asia Pacific countries.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • Free for the first 3 supplementary cardholders
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%

Requirements

Are you eligible for this credit card?

Minimum annual income
RM120000
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.

AmBank World MasterCard review

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

Dining and Hotel Privileges with AmBank World MasterCard

If you love travelling and dining, AmBank World MasterCard will be your best friend!

As long as you spend a minimum of RM30,000 over one (1) year from the date of Hilton Premium Club Membership enrollment, you are entitled to the extended privileges such as fancy dining discount up to 50% and 20% off on hotel room rates for all participating Hilton Worldwide Hotels in Asia.

Stay Premium and Protected

Indulge in the comfort of privacy with unlimited access to Plaza Premium Lounge worldwide!

For 3 hours, you can sit back and relax while also have the freedom to use facilities provided such as WiFi, shower, food and beverages and entertainment.

Click here to view the list of available airport lounges

That's not all, you and your spouse, if unfortunate things happen, will also be protected with up to RM2 million travel insurance, whereas your children will be covered up to RM200,000. 

All you need to do is to just charge the full air tickets fare to your AmBank World MasterCard.

Security does not end just there. You will also be indemnified for travel inconveniences such as lost/delayed luggage or missed/delayed flight for up to RM12,000.

No Annual Fee for AmBank World MasterCard Owners

Only at AmBank, you can own a truly premium credit card at zero annual fees for a lifetime, no conditions and no hidden motives.

What's more, your first three (3) supplementary cardholders can also enjoy this annual fee waiver benefit as you - the more the merrier!

50% on Green Fees

Tee off at the finest golf courses in South East Asia, in partnership with MasterCard. 

Flash your AmBank credit card at the premium club and get a 50% discount on green fees.

This exclusive half-off is valid for a walk-in at courses from Singapore's Sentosa to Eagle Ridge in the Philippines.

E-Commerce Purchase Protection and Wallet Guard

Known the feeling of buying something new, only to have it damaged, lost or stolen shortly after? 

Your next purchase with your AmBank Islamic World MasterCard-i might be eligible for insurance coverage up to RM50,000 as long as it happened within 30 days from the purchase date.

Your premium lifestyle should not be compromised due to increasing snatch theft and robbery cases these days. 

Enjoy 24/7 worldwide protection with Wallet Guard, should you fell prey into this unfortunate incident.

AmBank World MasterCard Air Miles Conversion

If you want to take the next business or holiday trip for free, you can use Air Miles to offset your ticket price, be it Business Class, First Class or Economy.

Check your statement to see how much AmBonus Reward Points you have accumulated.

With AmBank World MasterCard, you can earn 5x AmBonus Reward Point when you swiped on retails overseas, 1x AmBonus Reward Point on all retail expenses locally.

Collect as many reward points as you can to redeem a wide array of products in the AmBonus E-Catalogue and even Air Miles!

For every 5,000 AmBonus points, you can redeem an equivalent of 1,000 Air Miles with over 50 airline partners.

The Air Miles conversion is valid with 3 world-class Frequent Flyer Program such as Enrich Miles, Asia Miles, Singapore Airlines KrisFlyer and AirAsia BIG Points.

Your AmBank World MasterCard's AmBonus Reward Points will have a 3-year expiry and is not transferable nor exchangeable with cash.

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