Here you will find the full details related to amb credit card. In which you can find the key features , benefits and eligibility criteria of the credit card.
Introduction
Overview of AMB Credit Card
The AMB Credit Card is a versatile financial tool designed to meet the diverse needs of modern consumers. Whether you are looking for cashback rewards, travel benefits, or everyday savings, the AMB Credit Card offers a range of features tailored to suit your lifestyle. With a seamless application process, competitive interest rates, and robust security measures, AMB Credit Card ensures a hassle-free and rewarding experience for cardholders.
Importance of Choosing the Right Credit Card
Selecting the right credit card is crucial for managing personal finances effectively. A well-chosen credit card can provide significant financial benefits, such as rewards programs, low-interest rates, and enhanced security features. It can also help build a strong credit history, which is essential for future financial endeavors. By understanding your spending habits and financial goals, you can select a credit card that aligns with your needs and maximizes your benefits.
What Sets AMB Credit Card Apart?
AMB Credit Card stands out from the competition due to its unique combination of benefits and features, including:
- Rewarding Cashback Programs: Earn cashback on every purchase, from groceries to travel expenses.
- Exclusive Travel Perks: Enjoy complimentary airport lounge access, travel insurance, and zero foreign transaction fees.
- Flexible Payment Options: Choose from various payment plans that fit your financial situation.
- Advanced Security Features: Benefit from real-time fraud monitoring, contactless payment options, and enhanced encryption technologies.
- Dedicated Customer Support: 24/7 customer assistance to ensure all your queries and concerns are addressed promptly.
History Of Amb Credit Card
AM Bank, established in 1980, has grown significantly over the years, emphasizing a solid management structure and a customer-first philosophy. Today, it stands as one of the largest and most awarded banks in its market. Ambank
AM Bank offers a variety of credit cards tailored to different customer needs. While specific card types and their features aren’t detailed in the available sources, it’s common for banks to provide options such as standard credit cards, rewards cards, and premium cards with added benefits.
Eligibility criteria for AM Bank credit cards typically include factors such as age, income, and creditworthiness. For instance, many banks require applicants to be at least 21 years old and have a minimum monthly income. Specific requirements can vary depending on the card type and the bank’s policies.

Features Of Amb Credit Card
AM Bank offers a range of credit cards designed to cater to various customer needs, providing numerous features and benefits. Here’s an overview:
Cashback and Rewards Programs
- AmBank UnionPay Platinum Card: Earn 5X points on overseas spending, making it ideal for frequent travelers.
- AmBank M-Signature Card: Enjoy rewards and savings through the Bonus Link Rewards Program.
Interest Rates and Fees
Specific interest rates and fees for AM Bank credit cards can vary based on the card type and individual eligibility. It’s advisable to review the terms and conditions associated with each card on the official AM Bank website or contact their customer service for detailed information.
Travel and Lifestyle Perks
- AmBank UnionPay Platinum Card: In addition to earning 5X points on overseas spending, this card offers access to airport lounges and other travel perks, enhancing the travel experience for cardholders.
Security Features
While specific security features of AM Bank credit cards aren’t detailed in the available sources, most modern credit cards come equipped with standard security measures such as EMV chip technology, fraud monitoring, and secure online transaction protocols. For comprehensive information on the security features of AM Bank credit cards, it’s best to consult the official AM Bank website or reach out to their customer service.
For the most accurate and up-to-date information on AM Bank’s credit card offerings, including detailed features, benefits, interest rates, fees, and security measures, please visit their official website or contact their customer service directly.
Apply for Amb Credit Card
Applying for an AMB Credit Card involves several steps, and you can choose between online and offline methods based on your convenience. Here’s a comprehensive guide to assist you:
Eligibility Criteria
Before applying, ensure you meet the following requirements:
- Age: Applicants should be between 21 to 65 years old.
- Income: A minimum monthly income of RM 2,000 is required. Alternatively, you can pledge your AmBank Fixed Deposit/Term Deposit-I to qualify for a credit card. AmBank Retail
Required Documents
To support your application, prepare the following documents:
- Proof of Identity: A valid government-issued photo ID, such as a passport or driver’s license.
- Proof of Income: Recent salary slips (last 3 months), bank statements (last 6 months), Form-16, or Income Tax Returns (ITR). Paisabazaar
- Proof of Address: Documents like utility bills (electricity, telephone), ration card, passport, driving license, or voter ID. BankBazaar
Application Methods
You can apply for an AMB Credit Card through the following methods:
1. Online Application via AmOnline App
- Step 1: Log in to the AmOnline App.
- Step 2: Navigate to the Home dashboard and scroll down to ‘Do More with AmOnline’.
- Step 3: Select ‘Apply for More Services’ and then choose ‘Get Credit Card’.
- Step 4: Click on ‘Get a New Credit Card’ and follow the on-screen instructions to complete your application.
- Note: You can save your application as a draft and complete it later by going to ‘More’ > ‘Apply for More Services’ > ‘View Application History’. AmBank Retail
2. Offline Application
- Step 1: Visit the nearest AMB Bank branch.
- Step 2: Request a Credit Card Principal Application Form.
- Step 3: Fill out the form with accurate personal and financial details.
- Step 4: Submit the completed form along with the required documents to a bank representative.
Additional Information
- Multiple Applications: If you already possess an AMB Credit Card, you are still eligible to apply for additional cards. AmBank Retail
- Application Status: You can check the status of your application through the AmOnline App or by contacting AMB Bank’s customer service.
For further assistance or inquiries, please reach out to AMB Bank’s customer service or visit their official website.

Amb Credit Card Fees And Charges
AM Bank offers a variety of credit cards, each with its own set of fees and charges. Here’s a breakdown of the common fees associated with AM Bank credit cards:
Annual Fees and Renewal Fees
- Zero Basic Annual Fee Credit Card: AM Bank provides a Zero Basic Annual Fee Credit Card, which offers the same features and benefits as their Classic or Gold Credit Cards without any annual membership fee. This option is ideal for individuals who prefer to keep a credit card for emergencies without incurring yearly charges.
- Other Cards: For other credit card offerings, the annual and renewal fees may vary. It’s advisable to consult the specific terms and conditions of each card or contact AM Bank directly for detailed information.
Interest Rates and Late Payment Charges
While specific interest rates and late payment charges for AM Bank credit cards aren’t detailed in the available sources, it’s common for credit card issuers to charge interest on outstanding balances and impose late payment fees if the minimum payment isn’t made by the due date. For precise figures, please refer to the cardholder agreement or reach out to AM Bank’s customer service.
Foreign Transaction Fees
The available information doesn’t specify the exact foreign transaction fees for AM Bank credit cards. Typically, credit card issuers charge a fee for transactions made in a foreign currency or processed outside the home country. To obtain accurate details regarding foreign transaction fees, it’s best to consult the terms and conditions of your specific card or contact AM Bank directly.
Additional Considerations
When selecting a credit card, it’s essential to review all associated fees and charges, including cash advance fees, balance transfer fees, and any other potential costs. Understanding these details will help you choose the card that best fits your financial needs and usage patterns.
For the most accurate and up-to-date information on AM Bank’s credit card fees and charges, please visit their official website or contact their customer service directly.
Amb Credit Card Rewards
AM Bank offers a comprehensive rewards and cashback program across its credit card portfolio, allowing cardholders to earn points and enjoy various benefits. Here’s an overview:
Earning Reward Points
- AmBank Visa Signature Card: Earn 3x AmBonus Reward Points for every Ringgit spent on overseas retail purchases. Local retail transactions earn 1x AmBonus Reward Point per Ringgit.
- AmBank Visa Infinite Card: Accumulate 5x AmBonus Reward Points for every Ringgit spent on overseas retail transactions.
Redemption Options for Rewards
Accumulated AmBonus Points can be redeemed for a variety of rewards, including:
- Gifts and Vouchers: A wide selection of products and vouchers.
- Air Miles: Convert points to Air Miles for travel benefits.
To explore the available options and redeem your points, refer to the AmBonus Points Rewards Catalogue.
Special Offers and Promotions
AM Bank frequently provides exclusive deals and promotions for its cardholders, such as:
- Dining Discounts: Up to 50% off on food bills at selected restaurants.
- Travel Offers: Discounts on flights and hotel bookings.
- Retail Promotions: Cashback and discounts at various retail outlets.
For the latest promotions and detailed information, visit the AmBank Promotions page and AmBank SPOT By leveraging these rewards and staying updated on current promotions, you can maximize the benefits of your AM Bank credit card.
Comparing Credit Card With Other
When evaluating AMB Bank’s credit card offerings in comparison to competitors, it’s essential to consider key differences, advantages, customer reviews, and overall value for money.
Key Differences and Advantages
- Annual Fees: AMB Bank offers credit cards with zero annual fees, such as the AmBank Visa Signature, which provides lifetime annual fee waivers.
- Rewards Program: The AmBank Visa Signature Card allows cardholders to earn 3x AmBonus Reward Points for every Ringgit spent on overseas retail purchases and 1x point for local retail transactions.
- Travel Benefits: Some AMB Bank credit cards offer complimentary airport lounge access, enhancing the travel experience for cardholders.
Customer Reviews and Ratings
Customer feedback indicates that AMB Bank’s credit cards are appreciated for their generous credit limits and cashback offers. For instance, users have reported receiving higher credit limits compared to other banks and have expressed satisfaction with the cashback benefits.
However, some customers have raised concerns about the efficiency of certain processes, such as card replacement procedures, which require visiting a branch and completing paper forms.
Value for Money Analysis
AMB Bank’s credit cards, particularly those with no annual fees, offer substantial value for money. The combination of rewards points, travel perks, and the absence of annual fees makes them competitive options in the market. However, potential applicants should consider factors such as customer service efficiency and specific benefits alignment with personal spending habits when making a decision.
In summary, AMB Bank’s credit cards present attractive features, especially for those seeking rewards and travel benefits without the burden of annual fees. As with any financial product, it’s advisable to review the terms and conditions carefully and assess how well the card’s features align with your individual financial needs and lifestyle.

App Features of this Credit Card
Managing your AMB Credit Card account efficiently is crucial for maintaining financial health and maximizing the benefits of your card. Here’s how you can utilize online banking and mobile app features, set up autopay and alerts, and monitor your expenses and credit limit:
Online Banking and Mobile App Features
AMB Bank offers robust online banking services and a user-friendly mobile app, providing you with convenient access to your credit card account. Through these platforms, you can:
- View Account Balance and Transaction History: Keep track of your spending by accessing real-time account balances and reviewing detailed transaction histories.
- Make Payments: Easily pay your credit card bill directly through the app or online portal.
- Access e-Statements: Go paperless by viewing and downloading your monthly statements electronically.
- Manage Card Settings: Report lost or stolen cards, request replacements, and manage other card-related services.
These features empower you to manage your credit card account seamlessly from anywhere, ensuring you stay informed and in control of your finances.
Setting Up Autopay and Alerts
To avoid missed payments and potential late fees, setting up automatic payments (autopay) is highly recommended. Here’s how you can do it:
- Log In to Your Account: Access your AMB Bank online banking account or mobile app.
- Navigate to Payment Settings: Find the ‘Payments’ or ‘Bill Pay’ section.
- Set Up Autopay: Choose your credit card account, select the payment amount (e.g., minimum payment, statement balance, or a custom amount), and specify the payment date.
- Confirm Details: Review and confirm your autopay settings to ensure accuracy.
In addition to autopay, setting up account alerts can help you stay on top of your financial activity. You can receive notifications for:
- Payment Due Dates: Reminders before your payment is due.
- Transaction Alerts: Notifications for transactions above a specified amount or for specific types of transactions.
- Balance Alerts: Alerts when your balance reaches a certain threshold.
These alerts can typically be customized within your online banking account or mobile app settings.
Monitoring Expenses and Credit Limit
Regularly monitoring your expenses and credit limit is essential for effective financial management. Here’s how you can do it:
- Review Transactions: Periodically check your transaction history to ensure all charges are accurate and to identify any unauthorized activity promptly.
- Track Spending Categories: Some banking platforms categorize your spending, allowing you to see where your money goes each month.
- Monitor Credit Utilization: Keep an eye on your credit limit and try to maintain a utilization ratio below 30% to positively impact your credit score.
By leveraging these tools and practices, you can manage your AMB Credit Card account effectively, ensuring timely payments, staying within your credit limit, and making the most of the features offered by AMB Bank’s online and mobile banking services.
Managing Amb Credit Card
Using your AMB Credit Card wisely is key to avoiding financial pitfalls while maximizing the benefits of your card. Here are some tips to help you make the most of your credit card:
Avoiding Unnecessary Debt
- Pay on Time: Set up autopay to ensure you never miss a payment. Missing payments can lead to late fees and interest charges that compound debt.
- Pay More Than the Minimum: Always try to pay more than the minimum due to reduce your balance faster. This helps you avoid interest charges on revolving credit.
- Avoid Unnecessary Purchases: Only use your credit card for necessary expenses or purchases you can pay off within the billing cycle to avoid accumulating high-interest debt.
- Monitor Your Spending: Regularly check your transaction history through the AMB mobile app or online banking to stay on top of your spending. If you notice any unexpected charges, address them immediately.
Maximizing Rewards
- Utilize Bonus Categories: Maximize your rewards by focusing on spending categories that offer bonus points, such as overseas transactions, dining, or travel purchases. For example, the AMB Visa Signature offers 3x points for overseas spending.
- Use Your Card for Everyday Purchases: Charge everyday expenses like groceries, utilities, and gas to your AMB Credit Card to accumulate points more quickly. Just make sure you can pay it off at the end of the month.
- Redeem Points Wisely: Explore the rewards catalog to redeem your points for the best value. Air miles or gift vouchers may provide more value than other rewards options. Check for special promotions that boost your rewards!
- Watch for Promotions: Take advantage of limited-time offers and promotions for additional points or cashback. AMB often runs campaigns where cardholders can earn more rewards for specific purchases.
Maintaining a Good Credit Score
- Pay Your Bill on Time: Timely payments are the most crucial factor in maintaining a good credit score. Set reminders or use autopay to ensure you never miss a due date.
- Keep Your Credit Utilization Low: Try to keep your credit utilization below 30% of your credit limit. High balances relative to your credit limit can negatively impact your score.
- Avoid Opening Too Many Accounts: Each time you apply for a credit card, a hard inquiry is made on your credit report. Multiple inquiries within a short period can hurt your credit score. Only apply for new credit when necessary.
- Review Your Credit Report: Check your credit report periodically to ensure no errors or fraudulent activity are affecting your score. You can request your credit report from agencies like Experian and Equifax.
By following these tips, you’ll be able to enjoy the benefits of your AMB Credit Card without falling into debt, while also improving your financial health and credit standing.
Security and Customer Service Of This Credit Card
Managing your AMB Credit Card account effectively involves understanding procedures for common issues such as lost or stolen cards, dispute resolution, and accessing customer service. Here’s how you can address these situations:
Lost or Stolen Card Procedure
If your AMB Credit Card is lost or stolen, it’s crucial to act promptly to prevent unauthorized transactions:
- Contact AMB Bank Immediately: Reach out to AMB Bank’s customer service to report the loss or theft. They will assist in blocking your current card and issuing a replacement.
- Verify Your Identity: Be prepared to provide personal information to verify your identity during the call.
- Monitor Your Account: Regularly check your account statements and transaction history for any unauthorized charges.
Dispute Resolution Process
If you notice discrepancies or unauthorized transactions on your AMB Credit Card account, follow these steps:
- Review Your Transactions: Carefully examine your recent transactions to identify any errors or unauthorized charges.
- Contact AMB Bank: Reach out to AMB Bank’s customer service to report the disputed transaction. They will guide you through the dispute process, which may involve providing documentation or completing forms.
- Follow Up: Stay in contact with AMB Bank to track the status of your dispute and ensure timely resolution.
Customer Service Contacts
For assistance with lost or stolen cards, disputes, or general inquiries, contact AMB Bank’s customer service:
- Phone: Call the number provided on the back of your AMB Credit Card or visit AMB Bank’s official website for contact details.
- Email: Use the email address listed on AMB Bank’s website for customer support.
- Online Banking: Log in to your online banking account to access secure messaging for assistance.
By promptly addressing these common issues and utilizing AMB Bank’s support channels, you can maintain the security and integrity of your credit card account.
Special Offers Of This Credit Card
AMB Bank frequently offers a variety of special promotions and deals for its credit cardholders, including seasonal discounts, exclusive partner deals, and limited-time offers. Here are some current and recent promotions:
Up to 50% OFF at Shangri-La Hotels
Enjoy significant discounts at selected Shangri-La Hotels when using your AmBank Visa Credit Card. This offer is valid for a limited time and may vary by location.
RM40 Off at Dragon-i
Receive RM40 off the Prosperity Reunion Treasure Pot at Dragon-i restaurants when paying with your AmBank Visa Credit Card. This promotion is available during the festive season. AmBank Spot
Coffee and Toastie Combo at RM10
Enjoy a coffee and toastie combo for just RM10 at Bask Bear Coffee outlets when using your AmBank Visa Credit Card. This offer is available for a limited time. AmBank Spot
Exclusive Dining Offers at Shangri-La Hotel Kuala Lumpur
AmBank Visa Infinite Credit Cardholders can enjoy 1-for-1 exclusive dining offers at Shangri-La Hotel Kuala Lumpur. Other AmBank credit cardholders can receive a 25% discount on food bills. This promotion is valid until September 30, 2023. AmBank Spot
Up to 8% Off Flights to Japan with Japan Airlines
Receive up to 8% off flights to Japan when booking with Japan Airlines using your AmBank Visa Credit Card. This offer is available for a limited time. AmBank Spot
Please note that promotions are subject to change and may have specific terms and conditions. It’s advisable to visit AMB Bank’s official promotions page or contact customer service for the most current information. AmBank Retail
Conclusion
In conclusion, the AMB Credit Card offers a range of features and benefits that make it a solid option for individuals looking to maximize rewards, enjoy travel perks, and manage their finances effectively. With flexible spending rewards, cashback programs, and zero annual fees on certain cards, AMB provides significant value for its cardholders.
To make the most of your AMB Credit Card:
- Use it wisely by avoiding unnecessary debt and keeping an eye on your spending.
- Take advantage of special offers and promotions, including seasonal discounts and exclusive partner deals.
- Stay on top of your account by using online banking and mobile app features, setting up autopay, and monitoring your credit limit.
By understanding the key aspects of the AMB Credit Card and utilizing its features to your advantage, you can enhance your financial journey, maximize rewards, and maintain a healthy credit score.
FAQs
How do I apply for an AMB Credit Card?
You can apply for an AMB Credit Card online through the AMB Bank website or by visiting a branch. The online application process involves filling out an application form and submitting required documents such as proof of income and identification.
What are the eligibility requirements for an AMB Credit Card?
To be eligible, applicants typically need to be:
A Malaysian citizen or permanent resident
At least 21 years old (for principal cardholders) or 18 years old (for supplementary cardholders)
Have a minimum annual income as specified by AMB for the card type you’re applying for
What is the annual fee for an AMB Credit Card?
Some AMB Credit Cards, such as the Visa Signature Card, offer zero annual fees or annual fee waivers for the first year. Annual fees may vary depending on the card type, and certain fees may apply if the waiver conditions are not met.
What rewards and benefits can I earn with an AMB Credit Card?
AMB Credit Cards offer a variety of rewards, including AmBonus points, cashback, dining and shopping discounts, travel perks like airport lounge access, and exclusive offers with selected partners.
How do I earn AmBonus points?
AmBonus points are typically earned for every Ringgit spent using your AMB Credit Card. You can earn bonus points on specific categories such as overseas spending or certain retail outlets. Check your card’s terms for details.
How can I redeem my AmBonus points?
AmBonus points can be redeemed for rewards like air miles, gifts, vouchers, or even discounts on select purchases. You can check the AMB rewards catalog or online platform for redemption options.
What should I do if I lose my AMB Credit Card?
If your AMB Credit Card is lost or stolen, immediately contact AMB Bank’s customer service to block your card and request a replacement. Make sure to monitor your account for any unauthorized transactions.
How can I pay my AMB Credit Card bill?
You can pay your AMB Credit Card bill via online banking, the AMB mobile app, or at any AMB branch. Setting up autopay ensures that your bill is paid on time every month.
What happens if I miss a payment?
If you miss a payment, you may incur late payment fees and interest charges. It’s important to pay at least the minimum payment amount to avoid penalties.
Are there any foreign transaction fees?
Yes, AMB Credit Cards may have a foreign transaction fee on purchases made overseas or in foreign currencies. The fee varies depending on the card type, so it’s best to check the specific terms for your card.
How can I check my credit limit?
You can check your credit limit by logging into your AMB online banking account or mobile app. Your credit limit will also be listed on your monthly credit card statement.
How can I contact AMB Bank customer service?
You can contact AMB Bank customer service via:
Phone: The number listed on the back of your credit card
Email: Available on the AMB Bank website
Online banking: Through secure messaging within the online platform
For specific inquiries or assistance, refer to AMB Bank’s official website or contact their support team.