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!

AmBank AmFlexi-Pay
Up to 24 months
Merchant Selection
Early Termination Fee

Interest Rates

Transfer your debt now to enjoy special low interest fees each month!

Instalment PeriodInterest RateMinimum Amount
6 months3% p.a. and no one-time upfront handling feeRM500
12 months4% p.a. and no one-time upfront handling feeRM500
18 months5% p.a. and no one-time upfront handling feeRM500
24 months6% p.a. and no one-time upfront handling feeRM500

How to apply

Get help with making your expensive shopping habits affordable with AmBank AmFlexi-Pay.

There are several ways you can go about participating in AmBank Flexi-Pay Plan:

  • Visit the nearest AmBank branch to apply for AmFlexi-Pay Plan
  • Fill in your details here and a bank representative will contact you
  • Give AmBank a call at 03 2178 8888 (Monday to Sunday, from 7 AM to 11 PM) and ask about AmFlexi-Pay Plan

Via AmOnline mobile app:

  • Log in to AmOnline and click on "Credit Card Dashboard"
  • Click on the "Convert to Instalment" hyperlink on the "Transaction History Page"
  • Select the transaction(s) you would like to convert
  • Choose your preferred repayment tenure
  • Review and confirm your application details, and submit

More Information

What can I get from AmFlexi-Pay? 

You can swap out horrendous credit card bills and high-interest rates for smaller monthly instalments at a one-time interest rate of as low as 3% p.a. only.

The plan offers tenures from as short as 6 months up to 24 months with a minimum cumulative retail transaction amount of RM500. 

Why should I get this plan?

You are in luck if you apply for the AmFlexi-Pay plan because you will only need to pay a one-time interest/management fee, which is calculated upfront on the conversion amount and billed equally over your selected tenure. 

If you're still unsure of the mechanism, see the below example for a better understanding:

Say your statement date is on the 6th of May and the purchase transaction date is on the 16th of April, you need to inform the bank at least 5 days after the transaction date to allow for the transaction to be reflected on your statement. 

Or, you can also drop AmBank a call, email, or SMS latest by the 1st of June (which is 5 days before the next statement date, i.e. 6th of June) to participate in this flexi payment plan.

Can supplementary cardholder(s) apply for this flexi-pay?

Both principal and supplementary cardholders can apply for this plan, subject to fulfilling the terms and conditions prescribed and also approval by AmBank.

What if I cancel during the tenure?

AmBank will not hesitate to debit RM50 from your account for any early settlement that occurred within the instalment tenure (except for AmBank M-Card). There will also be no refund of interest/management fee for early settlement or cancellation. 

Keep in mind that you are not allowed to switch tenure once the transaction has successfully been converted to a monthly instalment.

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