Visa · Conventional
AMBANK · MALAYSIA
AmBank Cash Rebate Visa Platinum Credit Card
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM0
Card networkVisaConventional card
Apple PaySupported
Google PaySupported
THE DETAILS
Benefit breakdown
Monthly cashback
| Category | At RM1,500 qualifying monthly spend | Category cap |
|---|---|---|
| Online | 10% | RM10 / month |
| Shopping & groceries | 10% | RM10 / month |
| Dining | 10% | RM10 / month |
| Public transport | 10% | RM10 / month |
| Other eligible retail / below threshold | 0.2% | Uncapped on this rate |
Category eligibility and exclusions apply; recurring bills and excluded petrol, charity, government and wallet transactions do not qualify. Additional eligible spending after a category cap earns the base rate according to the terms.
Fees & charges
- Principal annual fee
- RM0
- Service tax
- RM25 per issued principal / supplementary card annually; separate from annual fees.
- Retail finance / profit rate
- 15% / 17% / 18% p.a., based on timely repayment history.
- Cash advance fee
- 1.3% of withdrawal plus applicable 8% tax on that fee.
- Cash advance finance rate
- 18% p.a., calculated daily from withdrawal; no interest-free period.
- Minimum payment
- 5% of relevant outstanding balance plus full instalments, tax, arrears and over-limit amounts; minimum RM50, subject to PDS formula.
- Late payment
- 1% of relevant balance; minimum RM10 and maximum RM100.
- Foreign exchange
- Card-network conversion rate plus 1% bank charge.
- Retail grace period
- 20 days from statement date when the statement is paid fully and on time; excludes cash advances.
- Annual-fee waiver
- Lifetime annual-fee waiver for principal and supplementary cards.
Requirements
- Minimum annual income
- RM24,000 (RM2,000 monthly equivalent)
- Principal minimum age
- 21 years; upper age / documentary conditions follow the current application.
Product features
- Card benefits
- 10% cashback in four selected categories after RM1,500 eligible monthly spend; RM10 cap per category. Other eligible spending earns 0.2%.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.