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.

AmBank World MasterCard50% Off Green Fees
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.


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
5 points on every RM1on all overseas retail expenses (except for online transactions)
1 point on every RM1on all local retail expenses


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 RM2,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM3,000
Lost LuggageUp to RM6,000
Delayed LuggageUp to RM3,000


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.

Easy Payment Plans

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%.

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

  • 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


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.


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.