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AmBank · Visa Platinum · Cashback

AmBank Islamic Visa Platinum CARz-i

Earns
2% Petrol
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on AmBank's site

Good for

  • Petrol at any brand in Malaysia: 2% cash back, up to RM20 a month, with no annual fee.

Watch out

  • Only petrol earns. Everything else earns nothing.
  • The 5% rate is only for cardholders who leave more than RM5 unpaid, which costs profit of up to 18% a year.
  • Shop purchases at petrol stations do not earn.

What it earns

Cash back, as a share of what you spend.

SpendingEarnsDetails
Petrol in ringgit2% Up to RM20 back a month.
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and moreNothing Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Getting your cash back

How it's paid
Credited to your card every month The total shows on your monthly statement.
Which month counts
Your statement month Counted by the date a petrol charge posts. A late posting counts in the next statement cycle.
When you lose it
Card cancelled, converted or overdue Cash back not yet credited is lost, with no refund.

Travel

Overseas spending fee
1% 1% AmBank Islamic markup on the network's exchange rate.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free for life
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year A profit rate, not interest. Depends on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any instalments, service tax and overdue amounts.
Late payment
1% of the balance, up to RM100 Charged on the unpaid balance when you pay late.
Cash withdrawal
RM16 fee A fixed RM16 for each withdrawal, plus 8% service tax on the fee, and an 18% a year profit rate from the day you take it out.
Replacement card
RM12

Who can apply

Income
RM24,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • MyKad, front and back
  • Employees: latest payslip (1 month on a fixed salary, 3 months with variable pay) and the bank statements that show the salary
  • Self-employed: 6 months of personal or business bank statements, business registration (Form A and D), and the latest B or BE form with its tax receipt
A recent EPF statement or EA form can stand in for some payslips. Foreigners need a valid passport and a work pass or PR.

Other perks

Pay by phone
Apple Pay, Google Pay Add it to Apple Pay in the AmOnline app, or to Google Pay in the Google Wallet app.
Card network
Visa Platinum

Where this comes from