Apply for AmBank CARz Gold Visa by Ambank

Earn 1 CARz point for every RM1 you spend on your credit card, which you can use to redeem auto-related goods and services

Get 3% to 5% cash back on all petrol expenses, regardless of where you fill your tank!

Cash Back Category	Cash Back Rate	Monthly Cap	Condition
Petrol	3%	RM 50	If you pay the minimum amount or partial amount of your credit card bill
Petrol	2%	RM 20	If you make full payment for your credit card bill

Earn	Spent In
1 CARz Point Per RM 1	All local retail expenses
2 CARz Points Per RM 1	All overseas retail expenses

Convert	Redeem
10,000 AmBonus Points	1,000 Enrich Miles
10,000 AmBonus Points	1,000 AirAsia BIG Points

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 4.99% one-time upfront handling fee	From RM 1,000
12 Months	0% p.a. with 8.99% one-time upfront handling fee	From RM 5,000
24 Months	0% p.a. with 8.99% one-time upfront handling fee	From RM 5,000

Pay Over	With Interest Rate At	When You Spend
3 Months	0% p.a. with no one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
12 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000

Pay Over	With Interest Rate At	When You Spend
6 Months	3% p.a. with no one-time upfront handling fee	From RM 500
12 Months	4% p.a. with no one-time upfront handling fee	From RM 2,000
18 Months	5% p.a. with no one-time upfront handling fee	From RM 4,000
24 Months	6% p.a. with no one-time upfront handling fee	From RM 5,000

Annual Fee For Primary Card	Free
Annual Fee For Supplementary Card	Free for the first 3 cardholders*
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*Annual fee for the 4th supplementary card onwards is RM 75

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

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