Apply for AmBank Islamic CARz Gold Visa-i by Ambank

Product Highlights

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

Cash Back on Petrol

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

Features

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

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

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

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