• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    4.99% p.a.

  • Annual Fee


Feature Highlights
  • AmBonus Points for air miles, international airport services, and travel accident insurance
  • Complimentary green fees for 1 full flight


  • Convert 5,000 AmBonus Points into 1,000 Enrich, Asia Miles, or Singapore Airlines KrisFlyer air miles


  • 5 AmBonus Points for every RM1 spent overseas


  • 5 AmBonus Points for every RM1 spent overseas

Other Features

  • Travel

    • 24% discount on Immigration Fast-Track Service at 280 international airports
    • Complimentary privileged access to Plaza Premium Lounge at 17 international airports with minimum 5 overseas transaction charged to the credit card within the month of visit to the lounge
    • Special fares with Garuda Indonesia, Gulf Air, Oman Air, and Qatar Airways (for MasterCard holders only)

  • Dining

    • Complimentary Hilton Premium Club Membership Card with a minimum spending of RM30,000 over a period of 12 months from date of successful enrolment
    • Exclusive dining privileges during festive periods

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM2,000,000 when the full airline fare is charged to the credit card
    • Purchase Protection Plan with coverage of up to RM50,000 valid for 30 days from date of purchase

  • 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

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Free for life)
Min. Monthly Income RM10,000
Min. age for principal holder

21 and above

Min. age for supplementary holder


Fee for supplementary holder N/A
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

Goods & Services Tax (GST)

6% 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


Rewards points expiry


Product Review by iMoney Malaysia

Travel Like A King

With AmBank World MasterCard, you can earn 5 AmBonus points for every RM1 spent overseas on shopping and dining. Once you have collected 5,500 AmBonus points, you can convert it into 1,000 Enrich, Singapore Airlines KrisFlyer or Asia Miles to redeem flights for free! Besides, you will also get to enjoy 24% discount on Immigration Fast-Track Service at the selected 390 international airports and complimentary access to Plaza Lounge at the selected 17 international airports. What’s more, you will receive complimentary Hilton Premium Club membership card, which offers tons of discounts on dining and room rates at participating Hilton hotels. This card comes with travel accident insurance, with coverage up to RM2 million when you charge full air fare to AmBank World MasterCard. This card also provides you Purchase Protection Plan, where you get coverage up to RM50,000 within the 30 days from date of purchase.

Fees and Charges

This card lets you enjoy annual fee waiver for life. If you able to make prompt minimum payment for 12 consecutive month, you are then entitled for low interest charge rate of 15% per annum. By making prompt payment for minimum 10 out of 12 months, interest charge rate will be 17% per annum, otherwise it will be 18% per annum. Minimum monthly payment is computed as 5% of outstanding balance, or RM50, whichever is higher. Moreover, late payment charge will be either 1% of outstanding balance, or RM10, whichever is higher, with maximum charge of RM100.

Are You Eligible For The AmBank World MasterCard?

To apply for AmBank World MasterCard, you need to have a minimum monthly income of RM10,000 and to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as AmBank Visa Signature Card and CIMB Visa Signature Card, which may match your requirements.

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