Up to 5% cashback on petrol of any brand
1x CARz Point from retail transactions
24 months 0% interest Easy Payment Plan
AmBank Carz Platinum MasterCard
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- Min. Monthly Income
- RM 2000
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- Interest Rate
- 15% p.a.
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- Cashback
- RM80 /mth
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- Annual Fee
- Free
"Enjoy up to 5% cashback on your petrol spending, and the Easy Payment Plan gives you 24 months 0% interest for your road tax payment!
"
iMoney Editor's Review
Key Features
Benefits on...
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Petrol
- Lower of 5% cashback or RM80 per month (partial monthly repayments)
- Lower of 2% cashback or RM20 per month (full monthly repayments)
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Dining
1x CARz Point for every RM1 spent -
Entertainment
1x CARz Point for every RM1 spent -
Groceries
1x CARz Point for every RM1 spent -
Shopping
1x CARz Point for every RM1 spent
More details
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Eligibility/Documents
- Min. Monthly Income
- RM 2000
- Min. Age for Principal Holder
- 21
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Fees and charges
- Annual Fee
- Free for life
Other Fees and charges
- Late Payment Charges
- Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
- Finance Charges
- 15% p.a. – prompt minimum payment for 12 consecutive months
- 17% p.a. – prompt payment for at least 10 out of 12 months
- 18% p.a – if any of the above is not met
- Sales and Services Tax (SST)
- 0% on annual fee and other charges
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Supplementary Card
- Min. Age for Supplementary Holder
- 18 and above years old
- Fee for Supplementary Holder
- Free of charge for first 3 cards
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Cash Advance
- Amount
- Up to 100% of credit limit
- Charge
- Higher of minimum RM50 plus or 5% of cash advance amount
Other cash advance info
- Cash Advance Interest Charge
- 18% per annum on cash advance amount
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Others
- Rewards Points Expiry
- N/A
Other benefits
- Protection Plan
- AmProtector Insurance coverage of RM1,000,000 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
- Instalment 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
- RM80 per month (partial monthly repayments); RM20 per month (full monthly repayments)
Balance Transfer to any AmBank credit cards
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Review by iMoney
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With AmBank CARz Platinum MasterCard, you get 5% cashback per month with a cap RM80 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 RM1,000,000 in the event of death or permanent disability. AmBank CARz Platinum MasterCard also offers a 24-month 0% Easy Payment Plan (EPP) for road tax, AmGeneral Insurance renewal and all participating merchants.
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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.
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To apply for AmBank CARz Platinum MasterCard, 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 AmBank Carz Gold Visa Card and BSN Gold 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!