AmBank CARz Card

AmBank CARz Card


  • Annual Fee : Waived for life
  • Every RM1 = 1 CARz points
  • Up to 5% cash rebate on petrol
Minimum Monthly Income
Minimum Monthly Income

RM 0

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

0% for 12 months

Annual Fee
Annual Fee

RM 0.00

Credit Card's Promotion

Product Features AmBank CARz Platinum MasterCard AmBank CARz Gold Visa Card
Rebates on any Petrol brand transactions Revolvers (pay min or partial)
5% rebate, capped at RM80 rebate per card per month.

Transactors (pay in full)
2% rebate, capped at RM20 rebate per card per month

*Both Principal and Supplementary are eligible for rebate.
Revolvers (pay min or partial)
3% rebate, capped at RM50 rebate per card per month.

Transactors (pay in full)
2% rebate, capped at RM20 rebate per card per month

*Both Principal and Supplementary are eligible for rebate.
  • Earn 1X CARz Points for every RM1 spend.


CARz Points accumulated can be used to redeem auto-related goods and services.

Note: Not Applicable for transactions at petrol stations

Balance Transfer

Secure greater savings when you transfer your outstanding balances from other credit / 
charge cards to your AmBank / AmBank Islamic Credit Card.

Plan Interest Rate / Management Fee (p.a.) Program Tenure (months) Minimum Transfer Amount (RM) Maximum Transfer Amount (RM)
A 0%* 12 4,000 30,000 at customer level
B 4.88% 12, 24 or 36 1,000 Up to available credit limit

Travel Insurance

  • Up to RM1 million travel insurance coverage when the full fare of airline tickets are charged to the Card.


E-Commerce Purchase Protection (applicable to Platinum MasterCard only)

  • Click here for more info.
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1



for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months
Flexi Pay

Convert your retail transaction into affordable monthly instalments.

Tenure 6 Months 12 Months 18 Months 24 Months
Minimum Spend RM500 RM2,000 RM4,000 RM5,000
Management Fee Rate 3% 4% 5% 6%
Annual fee RM 0.00
Annual fee condition Waived for life
Annual fee for suplementary card RM 188.00
Annual fee condition for supplementary card Waived up to 3 supplementary card, 4th supplementary card will be charge RM188.00 p.a.
Minimum monthly payment 5% of the outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 1% of the balance outstanding due or a minimum of RM10; whichever is higher, up to a maximum of RM100.
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the amount withdrawn or a minimum of RM50, whichever is higher
Cash withdrawal interest rate 1.5% per month or 18% p.a. calculated on a daily rest basis
Balance transfer interest rate 0% for 12 months
Balance transfer max valid duration Up to 36 months
Balance transfer lock in period Varies with each promotion
Balance transfer early settlement penalty RM100.00

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