AmBank Imagine Visa Card

AmBank Imagine Visa Card

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AmBank Imagine Visa Card
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Product Highlights

Reward
AmBonus Rewards

Get rewarded with 1 AmBonus point for each RM 1 you spend!

Reward
AmBonus On The Spot Reward Redmption

Redeem anything on the spot for as low as 1,500 AmBonus Points at ESH, Cathay Cineplex, Cosway, Courts, Jesley, Seng Heng, and SenQ!

Free
No Annnual Fee

The AmBank True Visa annual fee is free for life with no strings attached! Additionally, your first 3 supplementary cards have zero annual fee as well!

Features

Rewards

Local rewards
Earn Spent
1 AmBonus Point on every RM1 on all local and overseas retail expenses
  • Your AmBonus Points expire in 3 years.
  • Petrol expenses do not earn any AmBonus Points.
  • Use your points to redeem amazing gifts and rewards from the AmBonus Rewards Programme.

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 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
Cash Withdrawal Fee RM15.90 or 5.30% of withdrawn amount, whichever is higher
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