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AmBank Carz Gold Visa Card

Earn up to 3% cashback on your petrol expenditure.

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    RM50 /mth
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • Up to 3% cashback on petrol of any brand
  • 1x CARz Point from retail transactions
  • Annual fee is free for life
  • icon petrol Petrol

    • Lower of 3% cashback or RM50 per month (partial monthly repayments)
    • Lower of 2% cashback or RM20 per month (full monthly repayments)
  • icon dining Dining

    1x CARz Point for every RM1 spent
  • icon groceries Groceries

    1x CARz Point for every RM1 spent
  • icon shopping Shopping

    1x CARz Point for every RM1 spent
  • icon entertainment Entertainment

    1x CARz Point for every RM1 spent

icon tag Other Features

  • Protection Plan: AmProtector Insurance coverage of RM500,000 in the event of death or permanent disability
  • Balance Transfer: Min. transfer amount: RM1,000 (6 months); RM5,000 (12 and 24 months) , Repayment tenure and interest rate:, 6 months: 4.99% per annum, 12 and 24 months: 8.99% per annum
  • Installment Plan: 24 months 0% interest Easy Payment Plan for road tax and AmGeneral insurance renewal, 0% interest Easy Payment Plan at all participating merchants
  • Cashback Limit: RM50 per month (partial monthly repayments); RM20 per month (full monthly repayments)

icon entertainment Card Information

Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder Free of charge for first 3 cards
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount Up to 100% of credit limit
Cash advance charge Higher of minimum RM50 plus RM3 GST or 5% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Rewards points expiry N/A

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Pay Less, Earn More!

With AmBank CARz Gold Visa Card, you get 3% cashback per month with a cap RM50 if you make partial monthly repayments and 2% cashback per month with a cap RM20 if you make full monthly repayments. You also get 1x CARz point for every ringgit retail spending. It comes with AmProtector Insurance coverage of RM500,000 in the event of death or permanent disability. AmBank CARz Gold MasterCard also offers a 24-month 0% Easy Payment Plan (EPP) for road tax, AmGeneral Insurance renewal and all participating merchants.

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 low finance charges rate of 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 CARz Gold Visa Card?

To apply for AmBank CARz Gold Visa Card, you need to have a minimum monthly income of RM2,000 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 AmBank Carz Platinum MasterCard and AmBank Gold MasterCard / Visa Card, which may match your requirements.

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