AmBank SPOT
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AMAZING DEALS EVERYDAY,
FOR EVERYONE

Get RM30 cashback, RM30 OFF or 30% OFF with your AmBank Cards!

Featured Partners

Promotion

30% Petrol Cashback with your AmBank Rebate Cash Rebate Credit Card
3 Feb 2021 - 31 Jul 2021
Learn More
Earn 30X BonusLink Points with minimum spend of RM30 on BonusLink Members’ Day.
3 Mar 2020 - 12 Dec 2020
Learn More
RM30 e-Voucher with cumulative spend of RM380 Shell Fuel.
15 Sep 2020 - 15 Nov 2020
Learn More

Stay tuned! More promotions are coming!

Terms and Conditions

1.Validity periods vary for each campaign / respective partners’ deals.
2.Payment must be made using AmBank Debit Mastercard® or AmBank Credit Card, whichever is applicable.
3.Pictures shown are for illustration purpose only.
4.For full terms and conditions of the offers, please select “learn more” under respective deals.

Rewards You Can't Ignore with AmBank Credit Card/-i

For Principal and/or Supplementary Cards. Just Activate and Spend!

Now till 31 March 2020

Activate and Spend

RM 75 Cashback

Spend a minimum accumulation of RM1,000 from 1 March 2020 till 31 March 2020 on Principal / Supplementary Card.

Click here for full terms and conditons.

Make Duty-Free Shopping more rewarding with your AmBank Credit Card!

Enjoy 10% cashback at the following Duty-Free Outlets:

Kuala Lumpur
International Airport
  • Eraman
  • Eraman Express
  • The ZON Duty Free
Kuala Lumpur
International Airport 2
  • Eraman
  • Eraman Express
  • The ZON Duty Free
Penang
International Airport
  • Eraman
  • The ZON Duty Free
  • Kota Kinabalu
    International Airport

  • Kuching
    International Airport
  • Eraman
  • Eraman Express
  • The ZON Duty Free
  • Ninoy Aquino International Airport
  • Clark International Airport
  • Bacolod-Silay International Airport
  • Iloilo International Airport
  • Kalibo International Airport
  • Mactan-Cebu International Airport
  • Francisco Bangoy International Airport
    Duty Free Philippines
  • Ninoy Aquino International Airport
  • Clark International Airport
  • Bacolod-Silay International Airport
  • Iloilo International Airport
  • Kalibo International Airport
  • Mactan-Cebu International Airport
  • Francisco Bangoy International Airport
    Duty Free Philippines

  • Don Mueang International Airport
  • Suvarnabhumi Airport
  • Chiang Mai International Airport
  • Phuket International Airport
  • U-Tapao International Airport
  • Hat Yai International Airport
    King Power
  • Tan Son Nhat
    International Airport
  • Da Nang
    International Airport
  • Noi Bai
    International Airport
  • SASCO Duty Free

  • JDV Jalux Duty Free
  • LOTTE Duty Free

  • JDV Jalux Duty Free
  • LOTTE Duty Free

    Singapore
    Changi Airport
  • The Shilla Duty Free Shop
  • DFS Vintage
  • DFS Watches
  • DFS Wines & Spirits
  • Soekarno-Hatta
    International Airport
  • Ngurah Rai
    International Airport
  • Juanda
    International Airport
  • Dian Duty Free

  • DFS Duty Free
  • Dufry Duty Free

  • Surabaya Duty Free

  • Yangon
    International Airport

  • Mandalay
    International Airport
  • Dream Works
    Duty Free

  • WYZ Duty Free
  • Phnom Penh
    International Airport

  • Siem Reap
    International Airport
  • Dufry Duty Free

  • Siem Reap
    Duty Free Shop

    Wattay
    International Airport
    Laos Duty Free

    Brunei
    International Airport
    SBC Duty Free

Terms and Conditions

  1. Campaign Period is from 1 January 2020 till 31 December 2020.
  2. Campaign is applicable for all AmBank and AmBank Islamic Credit Cardholders (“Eligible Cardholders”) who use their Card to perform retail transaction(s) from the Eligible Duty-Free Outlets in ASEAN with a minimum spend of RM250 in a single receipt.
  3. The Eligible Cardholders will be eligible for 10% Cashback up to a maximum of RM100 per cardholder, per participating Campaign Month.
  4. The Cashback is limited and capped at RM50,000 per month during the Campaign Period and will be awarded on a first-come, first-served basis, based on transaction time stamp as recorded in the Bank’s system date and time, subjected to availability of the Cashback.
  5. Eligible Duty-Free Outlets as listed above.
  6. All Eligible Transactions in foreign currency shall be converted to Ringgit Malaysia (RM) based on the prevailing foreign exchange rates as recorded in the Bank’s system.
  7. The Cashback shall be credited into the respective Eligible Cardholder’s Card account within twelve (12) weeks from the end the Campaign Month and shall be displayed in his/her statement of Card account.
  8. For full terms and conditions, click here.

Your Best Choice of Personal Financing

Life is made up of many defining moments, and whether it is to prepare for your wedding, buying a new property or furthering your education, AmMoneyLine / AmMoneyLine Facility-i is your trusted companion in every journey. You can choose from either Cash-Out Plan to get extra cash in hand, or Debt Consolidation Plan to consolidate your debts into a single payment. Don’t wait, apply now to savour the great moments in life.

Cash-Out Plan

  • Low interest / profit rate from 8.00% – 11.99% per annum
 
  • NO guarantor / collateral required
 
  • Payment period of between 12 – 60 months
 
  • High Disbursement Amount – Maximum 10x of your gross monthly income or RM150,000, whichever is lower.
 
  • Get Rewarded For Timely Repayments – Enjoy 5% cash rebate per annum on total interest / profit paid when you make payment on time

Debts Consolidation Plan

  • Simplify your finances by consolidating your credit card and personal loan / financing accounts into ONE account
 
  • Save up to 2% per annum on interest / profit
 
  • Payment period of between 12 – 60 months
 
  • Competitive rate for immediate interest / profit savings
 

 

 

Items Details
Minimum Age 21-60 years old (upon maturity of facility)
Nationality
  • Malaysian citizen; OR
  • Permanent Resident working in Malaysia
Minimum Income Salaried Employees:
  • RM36,000 for existing Bank customers
  • RM60,000 for new to Bank customers
Self Employed:
  • RM60,000 for existing Bank customers
  • RM120,000 for new to Bank customers
Documents Required

To expedite processing, please enclose photocopies of the following documents:

  • Application form
  • Photocopy of NRIC (Front and Back)

  • For Individuals (Fixed Salary Earner):
    • Latest 1 month’s Salary Slip WITH Bank Statement where Salary is credited/Latest EPF statement/ Latest BE Form with corresponding Tax Payment Receipt/Latest EA Form*/Notice of Assessment (NOA); OR
    • Latest 3 consecutive months‘ Salary Slip; OR
    • Latest 3 months’ EPF/CPF statement

    *Applicable for group of Multinational Corporation (MNC), Government Linked Company (GLC), Public Listed Company (PLC) and Financial Institution (FI). Other than above, corresponding income evidence (e.g. Tax Return/e-Filing/bank statement, etc.) must be provided.

  • For Individuals (Fixed Plus Variable):
    • Latest 3 consecutive months’ Salary Slip WITH Bank Statement where Salary is credited/Latest EPF statement/Latest BE Form with corresponding Tax Payment Receipt/Latest EA Form*/Notice of Assessment (NOA); OR
    • Latest 3 months’ EPF/CPF statement

    *Applicable for group of Multinational Corporation (MNC), Government Linked Company (GLC), Public Listed Company (PLC) and Financial Institution (FI). Other than above, corresponding income evidence (e.g. Tax Return/e-Filing/bank statement, etc.) must be provided.

  • Full Commission Earners:
    • Latest 6 consecutive months’ Commission Statement/Statement of Account (SOA); OR
    • Latest 6 consecutive months’ Bank Statement; OR
    • Annual Statement of Commission Earned; OR
    • Latest BE Form with corresponding Tax Payment Receipt

  • Sole Proprietor/Partnership/Company:
    • Latest 6 months company banks statement; OR
    • Latest B/BE Form WITH corresponding tax payment receipt & Latest 1 month company banks statement; AND
    • Form A (For Sole Proprietor)/Form B (for Partnership)/Form 9,24,49 (for Company)
    • Trading License for East Malaysia
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Note: Customers who opt in for Bank Negara Malaysia’s (BNM) loan / financing deferment initiative will not be eligible to receive 5% cash rebate per annum on total interest / profit paid. For more information, please refer to our FAQ here.

Your Best Choice of Personal Financing

Life is made up of many defining moments, and whether it is to prepare for your wedding, renovating your house or furthering your education, AmMoneyLine / AmMoneyLine Facility-i is your trusted companion in every journey. You can choose from either Cash-Out Plan to get extra cash in hand, or Debt Consolidation Plan to consolidate your debts into a single payment. Don’t wait, apply now to savour the great moments in life.

Cash Out Plan
Debt Consolidation Plan

CASH OUT PLAN

Created with Lunacy

Enjoy Low Interest / Profit Rate

Ranging from 8.00% - 11.99% per annum

Created with Lunacy

Quick & hassle-free process

With no guarantors / collaterals required

Created with Lunacy

Flexible payment period

Of between 12 – 60 months

10x income

Maximum 10x of your Gross Monthly Income or RM150k, whichever is lower approval amount

Up To 150k

High disbursement loan/financing amount up to RM150k​

Up To 5% Rebate

Enjoy 5% cash rebate on total yearly interest/profit paid when you make your payment on time

CALCULATOR

Debt Consolidation Plan

Created with Lunacy

All Your Finances At One Go

Simplify your finances by consolidating your credit cards and loans/financing accounts into ONE

Created with Lunacy

Great Savings

With immediate savings on interest

Created with Lunacy

Hassle-free Approval

Better approval as no double count of DSR with minimal document needed

Created with Lunacy

Better Cash Flow

Better cash flow management from ONE account

Created with Lunacy

60 Months

Flexible financing tenure up to 60 months

Created with Lunacy

Affordable Interest / Profit Rate

Competitive rate for immediate interest/profit savings

CALCULATOR

Minimum Age:

21-60 years old (upon maturity of facility)

 

Nationality:

Malaysian citizen; OR

Permanent Resident working in Malaysia

Salaried Employees:

   RM36,000 for existing Bank customers

   RM60,000 for new to Bank customers

 

Self Employed:

   RM60,000 for existing Bank customers

   RM120,000 for new to Bank customers

Application form
Photocopy of NRIC (Front and Back)

 

For Salaried Employee:

 

Fixed Salary Earner
i. Latest 1 month’s salary WITH Bank statement where salary is credited / Latest EPF statement / Latest BE Form with corresponding Tax Payment Receipt / Latest EA Form* / Notice of Assessment (NOA); OR
ii. Latest 3 consecutive months’ Salary Slip; OR
iii. Latest 3 months’ EPF/CPF statement

*Applicable for Group of Multinational Corporation (MNC), Government Linked Company (GLC), Public Listed Company (PLC) and Financial Institution (FI)

Other than above, corresponding income evidence (eg. Tax Return / E-Filing / Bank Statement, etc) must be provided.

 

Fixed Plus Variable
i. Latest 3 consecutive months’ Salary Slip WITH Bank Statement where Salary is credited / Latest EPF statement / Latest BE Form with corresponding Tax Payment Receipt / Latest EA Form* / Notice of Assessment (NOA); OR
ii. Latest 3 months’ EPF/CPF statement

*Applicable for Group of Multinational Corporation (MNC), Government Linked Company (GLC), Public Listed Company (PLC) and Financial Institution (FI)

Other than above, corresponding income evidence (eg. Tax Return / E-Filing / Bank Statement, etc) must be provided.

 

Full Commissions Earner:
i. Latest 6 consecutive months’ Commission Statement / Statement of Account (SOA); OR
ii. Latest 6 consecutive months’ Bank Statement; OR
iii. Annual Statement or Commission Earned; OR
iv. Latest BE Form with corresponding Tax Payment Receipt

 

For Self Employed:

 

Sole Proprietor
i. Form A & D (Business Registration) / Trading License for East Malaysia / Unregistered Business); AND
ii. Latest 6 consecutive months’ Personal or Business Bank Statement; OR
iii. Latest year BE/B Form with corresponding Tax Payment Receipt & 1 month Personal or Business Bank Statement; OR
iv. E-Filing acknowledgement receipt & Latest 1 month Personal or Business Bank Statement; OR
v. Latest 6 consecutive months’ Statement of Accounts (SOA) from relevant authorities / MNC / PLC / FI

 

Partner
i. Form B & D (Business Registration for West Malaysia) / Trading License for East Malaysia; AND
ii. Latest 6 consecutive months’ Business Bank Statement; OR
iii.Latest year B Form with corresponding Tax Payment Receipt & Latest 1 month Business Bank Statement; OR
iv. E-Filing acknowledgement receipt & Latest 1 month Business Bank Statement

Director / Shareholder
i. Return of Allotment of Shares (formerly known as Form 24) ; AND
ii. Notification of Change in the Register of Directors, Managers and Secretaries Form (formerly known as Form 49); AND
iii. Latest 6 consecutive months’ Personal or Business Bank Statement
iv. Latest year BE Form with corresponding Tax Payment Receipt & Latest 1 month Personal or Business Bank Statement; OR
v. E-Filing acknowledgement receipt & Latest 1 month Personal or Business Bank Statement

 

Company:
i. Form 9 – certificate of incorporation of private company
ii. Form 24 – return of allotment of shares
iii. Form 49 – notification of change in the registration of director, manager and secretary
iv. Constitution of a written confirmation duly signed by director(s) confirming that the company does not have Constitute (formerly known as Memorandum & Articles of Association)
v. Notification of change in registered address (formerly known as Form 44, if applicable)
vi. Latest 6 consecutive months’ company bank statements & summary of bank statement analysis; OR
vii. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement;
viii. E-Filing acknowledgment receipt + latest 1-month company bank statement

Frequently Asked Questions

• AmMoneyLine/ AmMoneyLine Facility-i is an unsecured Personal Loan/Financing which requires NO collaterals or guarantors.
• This product has a fixed monthly payment schedule and is available under both conventional and Islamic banking.
• Customers can select from two programs below:
   (i) Cash Out Program
   (ii) Debts Consolidation Program

• Malaysian

• Age 21 to 60 (at maturity). E.g.: If the applicant is 56 years old, he/she can only apply for a loan/financing tenure of not more than 4 years.

* Terms and Conditions apply.

5% YEARLY cash back/rebate for prompt paymaster.

No.

0.5% of total loan/financing disbursed amount for both conventional and Islamic product.

Interest / profit rate is based on Employment Type and Financing Amount. It ranges from 8.00% to 11.99% flat per annum. (EIR/EPR: 14.13% to 21.55%).

* All applications are subjected to credit assessment and approval

Yes. Customer will be notified via SMS if the application is approved. If the approved amount is not within the acceptance range, customer will receive calls from the Bank to inform on approved amount. The Bank will send below letters for approved application:
   -Letter of Disbursement (Upon loan disbursement)
   -Letterof Commencement

• For Cash Out Program, funds will be deposited to customer’s individual AmBank/AmBank Islamic Current or Savings Account/-i.
• For Debts Consolidation Program, funds will be directly payoff to required credit cards or loan/financing account.
• Disbursement is strictly to active and first party account only.
• Disbursement to offset AmBank/AmBank Islamic loan/financing account is not allowed.

Loan/Financing will be approved and disbursed within 72 hours provided full documentation is submitted during application.

1% per annum on monthly instalment or any amount due but remain unpaid.

No early settlement fee/charge but customers are required to give 1 month written notice in advance for early settlement.

All installments are deemed as fixed and no changes are allowed.

•  Yearly statement will be issued in December and delivered via normal mail or email.
•  Yearly statement can also be viewed and downloaded from AmOnline.

• By direct debit standing instruction from AmBank/AmBank Islamic Current or Savings account/-i.

• By using online banking or GIRO fund transfer.

• By cash at any AmBank/AmBank Islamic branches nationwide.

• By cash through AmBank Cash Deposit Machine (CDM) or Automated Teller Machine (ATM).

Yes. Customer need to sign up the standing instruction with the bank that he/she wishes to appoint.

  • The period of payment of the facility and interest/profit rate thereon as stated in the Disbursement Letter

 

AmMoneyLine

AmMoneyLine

AmMoneyLine Facility-i

AmMoneyLine Facility-i

APPLY NOW

Benefits of Balance Transfer

Consolidate your outstanding balances from other Bank's Credit Card and enjoy instant interest/ management fee savings!

Affordable

Competitive rates with no up front fees / processing fees

Convenient

Apply via AmOnline at the comfort of your own home

Efficient

Easier financial management by consolidating all your credit card balance

Flexible

Repayment in 12, 24, 36 monthly tenure
How to apply

Easy, Simple, Fast method

Step 1

Select the AmBank credit card/ AmBank Islamic credit card-i for Balance Transfer

Step 2

After login into your AmOnline, select “Apply”

Step 3

Then choose your monthly instalment tenure

Step 1

After login into your AmOnline, select “Apply”

Step 2

Then select “Apply Balance Transfer”

Step 3

Select the AmBank credit card/ AmBank Islamic credit card-i for Balance Transfer

Step 4

Then select “Apply Balance Transfer”

Step 5

You can find your previously submitted application in the Balance Transfer application history

Step 6

Select the Issuer / Bank and enter the card number you want to Transfer To. Then, toggle the red circle to choose the amount you want to transfer or you can edit in the amount field

Step 4

Select the Issuer / Bank and enter the card number you want to Transfer To. Then, toggle the red circle to choose the amount you want to transfer or you can edit in the amount field

Step 5

Verify your card. Then click “Continue” to proceed to next step

Step 6

Then choose your monthly instalment tenure

Step 7

You have successfully applied for Balance Transfer. You will receive SMS & Email notification for your application submission

Step 8

Verify your card. Then click “Continue” to proceed to next step

Step 9

You need to accept the Terms & Conditions before you can proceed

Step 7

You need to accept the Terms & Conditions before you can proceed

Step 8

You have successfully applied for Balance Transfer. You will receive SMS & Email notification for your application submission

Step 9

You can find your previously submitted application in the Balance Transfer application history
Alternative method
Created with Lunacy

Call our Contact Centre at 03-2178 8888 and speak to our customer service representative.

Created with Lunacy

Visit your nearest Branch to understand more on Balance Transfer today!

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BT FAQ