AmBank Islamic World MasterCard-i by Ambank

Earn up to 5X reward points that you can use redeem awesome gifts or convert to airmiles!

Get unlimited rounds of golf with no green fee charges at participating golf clubs in Malaysia.

Get up to 50% dining discounts and 20% off Best Available Room Rates at participating Hilton hotels!

Earn	Spent In
5 AmBonus Points Per RM 1	All overseas retail expenses*
1 AmBonus Point Per RM 1	All local retail expenses

*All online transactions are not entitled to 5 AmBonus Points regardless of the country the Cardmember is in

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Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher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 188

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 120,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Malaysians and permanent residents