AmBank Islamic CARz Gold Visa-i

Apply for AmBank Islamic CARz Gold Visa-i by Ambank

An excellent card for Malaysian motorists. Enjoy great discounts, petrol rebates, and various auto-related services

AmBank Islamic CARz Gold Visa-i
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Product Highlights

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 RM 1 on all local retail expenses
2 CARz Points 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 installments with interest as low as 3%!
  • Applies to all merchants who do not fall under the AmBank Easy Payment P

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