Overview of AmBank Credit Cards in Malaysia
One of the largest banking groups in Malaysia, AmBank has a variety of credit cards that cater to individuals’ unique needs across every segment of income and demographic.
Why choose AmBank credit cards?
Applying for an AmBank credit card in Malaysia as your first credit card or as an upgrade from your previous one is a great choice as you can enjoy paying no AmBank credit card annual fee on both principal and supplementary cards.
While not all AmBank cards offer zero annual fees for life, some credit cards give an annual fee waiver when you hit the minimum spending requirement in a year.
Besides, there’s always an exciting AmBank credit card promotion or another going on throughout the year that you don’t want to miss out on.
Just apply, activate, and spend with your AmBank card to enjoy these amazing gifts, discounts, vouchers and many more, which you can find in the AmBank points redemption catalogue.
What are the features and benefits of AmBank cards?
Let's take a look at some of the features and benefits that you can get to enjoy with an AmBank credit card.
Loyalty Points
It pays to be loyal to AmBank because you are getting a card that gives you the power of spending and the benefits of spending.
You can collect up to 5x reward points for every RM1 swipe on retail transactions, locally and overseas.
Spend as much as you can because, with AmBank credit card points redemption, you can redeem anything on the spot or via the AmBank redemption catalogue.
If you like bigger and more rewards, get yourself one of the AmBank BonusLink credit cards as you get to collect BonusLink Points every time you spend at participating merchants of BonusLink.
That’s not all, you also gain BonusLink Points when you enrol in the AmBank Auto BillPay program.
Cash Rebate
Cash rebate or cashback, if you've accumulated enough on eligible spending can help you save a substantial amount of money if you're doing it right.
For drivers out there looking for a credit card that gives petrol cashback at any petrol station such as Petronas, Caltex, Petron, and Shell, look no further: get the AmBank Islamic Visa Platinum CARz Card-i.
Shopping is an addictive hobby for some people. AmBank Cash Rebate Visa Platinum allows you the freedom to spend and save on your favourite brands at any online shopping platform by giving cash rebates of up to 8% every month.
Travel Benefits
Enjoy exclusive and free access to participating Plaza Premium Lounge in selected airports in Malaysia or overseas when you own any of the premium AmBank cards such as AmBank Islamic Visa Signature Card-i.
You can also convert your AmBank reward points to air miles to fly for free with Malaysia Airlines, Singapore Airlines, and AirAsia. Of course, it is subject to the bank's terms and conditions.
On top of that, AmBank is also offering you attractive golf privileges and discounts at over 300 golf clubs in Southeast Asia.
That’s not all, when you charge your airfare to your AmBank card, rest assured that you will be protected with travel insurance and from travel inconveniences such as lost or delayed luggage as well as missed or delayed flights.
Flexible Credit Lines
Most of the AmBank cards come with easy payment plans with interest rates starting from 0% per annum and flexible repayment tenures of up to 24 months. Depending on the participating merchants' T&C, you can either apply for the AmBank AmFlexi-Pay or AmBank Easy Payment Plan.
Need cash for an emergency? Apply for AmBank QuickCash at reasonable flat interest rates and repay flexibly in instalments for up to 36 months.
AmBank credit card promotion
Be it dining, travel, online shopping, or even birthday treats, AmBank cardholders will be showered with many promotions to enjoy life to the fullest.
Every week, we will update the credit card promotion list on our credit card main landing page, including the AmBank credit card promotion. Alternatively, you can check it out at ambankspot.com.
Speaking of AmBank credit card promotion, remember to check out AmBank's no annual fee credit cards, cashback credit cards, travel credit cards and Islamic credit cards.
Find the best AmBank credit card in Malaysia to suit your lifestyle in a click!
Who can apply for AmBank credit cards?
In general, anyone with a minimum age of 21 years old is eligible to apply for a credit card. For the supplementary cardholders, the minimum age is 18 years old.
You can get a quick look at the eligibility of each AmBank credit card from the table below.
| APPLY FOR AMBANK CREDIT CARD - ELIGIBILITY | |
|---|---|
| Age of Principal Cardholder | Minimum 21 years old |
| Age of Supplementary Cardholder | Minimum 18 years old |
| Nationality | Anyone |
| Income Requirement (monthly)* |
|
*Please note that the minimum income requirement for expatriates might be different.
Am I eligible to apply for AmBank Malaysia credit cards?
Any individual holding a valid identity card, aged 21 years old and above is eligible to apply.
Some documents are required during your AmBank credit card application, such as:
- Copy of your IC (front and back)
- Latest 3 months' salary slips/commission statement
- Latest 6 months' bank statement
- Latest EPF statement
- Copy of Form 9, 24 and 49/Business Registration Certificate
- Latest B/BE Form with an official tax receipt
The minimum income requirements for each AmBank card also vary depending on which card it is, so make sure to check and see whether your income meets that amount before you apply.
Best AmBank Credit Cards in Malaysia 2023:
AmBank BonusLink Visa Signature
Get complimentary 5x passes to selected airport lounges, up to RM2 million travel insurance and collect up to 3,000 BonusLink Points - all in one exclusive credit card.
AmBank Cash Rebate Visa Platinum
A card for millennials. Enjoy 8% cash back on groceries, pharmacies and online retail transactions, up to RM500,000 travel insurance, daily amazing deals and cash management facilities.
AmBank Islamic Visa Infinite Card-i
Travel the world elegantly and collect reward points that are exchangeable for air miles and other gifts. Get covered with up to RM2 million travel Takaful for peace of mind while on board.
