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AmBank CARz Gold Visa

AmBank CARz Gold Visa

Do you own a car or a motorcycle? If you do, then this may be the card for you. Enjoy great discounts, rebates on petrol, and value added auto-related services

Interest Rate

15.0% p.a.

Balance Transfer

4.99% p.a.

Cashback

N/A

Annual Fee

Free

Points
CARz points

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

Petrol
Cash Back on Petrol

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

Features

Cash Back

Cash back
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 3% RM 20 If you make full payment for your credit card bill.
  • Applicable to ANY petrol brand in Malaysia.
  • Both primary cardholder and supplementary cardholder are eligible for petrol cash rebate.

Rewards

Local rewards
Earn Spent
1 CARz point on every RM1 on all local retail expenses
2 CARz Point on every RM1 on all overseas retail expenses
  • Your CARz Points expire in 3 years.
  • Use your points to redeem amazing auto-related goods and services.

Ambank Am Transfer Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 months 4.99% p.a. and no one-time upfront handling fee from RM1000
12 months 8.99% p.a. and no one-time upfront handling fee from RM5000
24 months 8.99% p.a. and no one-time upfront handling fee from RM5000

Am Bank Easy Payment Plan

Easy payment
Pay Over With Interest Rate At When You Spend
3 months 0% p.a. and no one-time upfront handling fee from RM500
6 months 0% p.a. and no one-time upfront handling fee from RM500
  • Pay for your purchases in 0% interest instalments!
  • Only available at participating merchants.

Am Bank Am Flexi Pay

Flexi payment
Pay Over With Interest Rate At When You Spend
6 months 3% p.a. and no one-time upfront handling fee from RM500
12 months 4% p.a. and no one-time upfront handling fee from RM2000
18 months 5% p.a. and no one-time upfront handling fee from RM4000
24 months 6% p.a. and no one-time upfront handling fee from RM5000
  • Pay for your purchases in instalments with interest as low as 3%!
  • Applies to all merchants who do not fall under the AmBank Easy Payment Plan.

Fees and Charges

Annual fee Free for life.
Annual Fee for Supplementary Card Free for life for first 3 supplementary cardholders.
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Profit Rate on Cash Withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months.
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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