AmBank/Ambank Islamic Visa Platinum Card

Min. Monthly Income

RM 2,000
Interest Rate

18% p.a.
Cashback

-
Annual Fee

Free

Key Features

Earn AmBonus reward point on local and overseas retail spending to redeem products, vouchers and air miles!
Travel insurance coverage for you and your family members up to RM500,000
2x AmBonus Point for every RM1 overseas spend & 1x AmBonus Point for every RM1 spend

Shopping

5.35/10

Travel

5.33/10

Groceries

4.8/10

Dining

5.35/10

Dining
- 2x AmBonus Point for every RM1 on overseas spending
- 1x AmBonus Point for every RM1 on local spending
Shopping
- 2x AmBonus Point for every RM1 on overseas spending
- 1x AmBonus Point for every RM1 on local spending
Travel
- 2x AmBonus Point for every RM1 on overseas spending
- 1x AmBonus Point for every RM1 on local spending
Entertainment
- 2x AmBonus Point for every RM1 on overseas spending
- 1x AmBonus Point for every RM1 on local spending
Groceries
- 2x AmBonus Point for every RM1 on overseas spending
- 1x AmBonus Point for every RM1 on local spending

Other Features

Protection Plan: Travel accident insurance with up to RM500,000 coverage for you and your family members 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
Instalment 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 for life
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 or 5% of cash advance amount
Cash advance interest charge	18% per annum on cash advance amount
Rewards points expiry	N/A

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!