Broadband Coverage Check
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Min. Monthly Income
RM4,000.00
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Interest Rate
15% p.a.
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Balance Transfer
4.99% p.a.
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Annual Fee
Free
Feature Highlights
- Earn AmBonus and air miles from retail spending
- Travel accident insurance coverage up to RM1,000,000
Dining
- 2x AmBonus Point for every RM1 spent overseas
- 1x AmBonus Point for every RM1 spent
Shopping
- 2x AmBonus Point for every RM1 spent overseas
- 1x AmBonus Point for every RM1 spent
Travel
- 2x AmBonus Point for every RM1 spent overseas
- 1x AmBonus Point for every RM1 spent
Entertainment
- 2x AmBonus Point for every RM1 spent overseas
- 1x AmBonus Point for every RM1 spent
Groceries
- 2x AmBonus Point for every RM1 spent overseas
- 1x AmBonus Point for every RM1 spent
Other Features
Protection Plan
Travel accident insurance with up to RM1,000,000 coverage if full airline fare is charged to the credit card
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; 0% one-time upfront fee - 12 and 24 months: 8.99% per annum; 0% one-time upfront fee
Installment Plan
- Up to 24 months 0.0% interest Easy-Payment Plan (EPP)
- 0% interest Installment Payment Plan at all participating merchants
Card Information
| Annual Fee | Free (Free for life) |
| Min. Monthly Income | RM4,000.00 |
| Min. age for principal holder | 21 and above |
| Min. age for supplementary holder | 18 and above |
| Fee for supplementary holder | Free of charge for first 3 cards |
| 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 |
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18% p.a – if any of the above is not met |
| Sales and Services Tax (SST) | 0% on annual fee and other charges |
| 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 or 5% of cash advance amount |
| Cash advance interest charge | 18% per annum on cash advance amount |
| Cashback Limit | N/A |
| Rewards points expiry | N/A |
Product Review by 
A Card that Knows No Boundaries
With worldwide recognition, AmBank Platinum MasterCard / Visa credit 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 RM1,000,000 if full airline fare is charged to the card. With the 0% Easy Payment Plan program, you can enjoy up to 24 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 Platinum MasterCard / Visa Card?
To apply for AmBank Platinum MasterCard / Visa 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 AmBank Cosway Platinum MasterCard and BSN Platinum 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!