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 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

How to apply

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

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

  1. Pay your item with AmBank/AmBank Islamic credit card,
  2. Combine maximum of 3 retail transactions made within the same month to meet minimum amount required and choose you preferred instalment plan,
  3. Notify AmBank/AmBank Islamic, at least 5 days after the transaction or no later than 5 days before the next statement date, by way of:
    1. SMS: Flexi<space>New IC Number<space>Amount<space>Last 4-digit of Credit Card/i Number<space>Tenure<space>Merchant Name to 66300; or
    2. Email: New IC NumberLast 4-digit of Credit Card/i NumberMerchant Name(s), Transaction Date(s), Amount(s) and Instalment Tenor to [email protected]; or
    3. Call AmBank's 24-hour Contact Centre at 03 2178 8888.

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 rates of as low as 3% p.a. only.

The plan offers tenures from as short as 6 months up to 24 months with interest rates starting from as low as 3%. For a 6-month plan, you need to meet the cumulative retail transaction amount of RM500. 

For 12-month plan you need to have RM2,000; for 18-month plan is RM4,000; and for 24-month plan is RM5,000.

Why should I get this plan, again?

You are in luck if you apply for 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 below example for better understanding:

Say your statement date is on the 6th May and the purchase transaction date is on the 16th 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 June (which is 5 days before the next statement date, i.e. 6th 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 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 transaction has successfully been converted to monthly instalment.