AmBank/Ambank Islamic Visa Platinum Card

Min. Monthly Income

RM 2,000
Interest Rate

15% p.a.
Cashback

N/A
Annual Fee

Free

Key Features

5X AmBonus Points for overseas spend
Earn rewards & enjoy travel perks with AmBank Visa Platinum. Islamic option with Takaful coverage (free lifetime fee for both).

Shopping

5.35/10

Travel

5.33/10

Groceries

4.8/10

Dining

5.35/10

Groceries
- 1 Point for every RM1.00 of any retail purchases. 5X AmBonus Point for every RM1 swipe on retail transactions overseas
Insurance or Health
- Travel with absolute peace of mind knowing that you and your family members are protected with RM2 million travel insurance coverage when the full fare of airline tickets are charged to the Card.
Dining
- 1 Point for every RM1.00 of any retail purchases. 5X AmBonus Point for every RM1 swipe on retail transactions overseas

Other Features

Earn AmBonus Reward Point: Get 5X AmBonus Point for every RM1 swipe on retail transactions overseas (excluding online purchases). Airline Miles conversion at over 50 airlines partners
Credit Card + TRUE Savers Account: Enjoy higher interest rate/profit on your saving with TRUE Savers Account/-i when you use your AmBank Credit Card/-i Lets your saving earb you 6.5% p.a.

Card Information

Annual Fee	Free
Min. Monthly Income	RM 2000
Min. age for principal holder	21
Fee for principal holder	Free
Min. age for supplementary holder	18 years old
Fee for supplementary holder	First 3 supplementary cards are Free-For-Life. 4th supplementary card onwards is RM188 p.a.

Late payment charge	1% of the outstanding balance subject to a minimum of RM10 whichever is higher, capped to a maximum of RM100
Cash advance amount	Approximate 3 times of monthly income or not more than 2 timesof monthly income if your income is RM36000 per annum or less
Cash advance charge	5% of the amount advance or minimum RM50, whichever is higher. This is imposed for each Cash Advance transaction
Cash advance interest charge	1.5% per month or 18% per annum is calculated on a daily rest basis

Product Review by

A Card that Knows No Boundaries

With worldwide recognition, AmBank/AmBank Islamic Visa Platinum Card allows you to earn 1x AmBonus Point for every Ringgit you spend, and 2x AmBonus Points for overseas spend. You can also enjoy Airline Miles conversion at over 50 airlines partners with AmBonus Points and complimentary Travel Accident Insurance with coverage of up to RM500,000 if full airline fare is charged to the card. With the 0% Easy Payment Plan program, you can enjoy up to 36 months interest free instalment payment on hundreds of products at participating merchants with just a minimum purchase of RM500.

Fees and Charges

The annual fee for this card is free for life for principal holder and free of charge for first 3 cards for supplementary holder. By making prompt minimum payment (the higher of RM50 or 5% of outstanding balance) for 12 consecutive months, you get to enjoy finance charge as low as 15% per annum. If you are able to make prompt payment for at least 10 out of 12 months, the rate will be 17% per annum, otherwise it will be 18% per annum. As a late repayment penalty, the higher of RM10 or 1% of outstanding balance, up to a maximum of RM100 will apply.

Are You Eligible For The AmBank/AmBank Islamic Visa Platinum Card?

To apply for AmBank/AmBank Islamic Visa Platinum Card, you need to have a minimum monthly income of RM4,000 and to be at least 21 years old for principal holder or at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Maybank Singapore Airlines KrisFlyer American Express Gold Credit Card and Alliance Bank Visa Platinum Credit Card, which may match your requirements.

If you prefer to broaden your credit card search, review more AmBank credit cards and start comparing today!