AmBank Premium Outlets Campaign | AmBank SPOT
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Improve Your Game

Be Golf Pro
Up to RM200 OFF
From now till 31 March 2024
Learn More
Damai Golf and C‍ountry Club
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
The Els Desaru Coast
Complimentary green fees
From now till 31 March 2024
Learn More
Gunung Raya Golf Resort
Complimentary green fees
From now till 31 March 2024
Learn More
Horizon Hills Golf & Co‍untry Club
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
Kota Permai Golf & Coun‍try Club
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
Kuala Lumpur Golf & Co‍untry Club - West Course (KLGCC)
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
Nilai Springs
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
Penang Golf Club
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
Sim Golf
10% OFF on single session bookings
From now till 31 March 2024
Learn More
Tropicana Golf & Co‍untry Resort
Complimentary or 50% OFF on green fees
From now till 31 March 2024
Learn More
Terms & Conditions
  • Validity periods vary for each campaign / respective partners' deals.
  • Payment must be made using Ambank Debit Mastercard or Ambank Credit Card, whichever is applicable.
  • Pictures shown are for illustration purposes only.
  • For full terms and conditions of the offers, please select "learn more" under respective deals.

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

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

Created with Lunacy

Enjoy Affordable Interest/Profit Rates

With ranging from 9.99% - 12.99% per annum

Created with Lunacy

Flexible payment period

Of between 12 – 84 months

Created with Lunacy

Up to RM150,000

High disbursement loan/financing amount of up to RM150,000

Created with Lunacy

Quick & hassle-free process

With no guarantors / collaterals required

CALCULATOR

Debt Consolidation Plan

Created with Lunacy

All Your Finances At One Go

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

Created with Lunacy

Great Savings

With immediate savings on interest/profit.

Created with Lunacy

Hassle-free Approval

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

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

Payment Period of Your Choice

Flexible loan/financing tenure of up to 84 months

Created with Lunacy

Affordable Interest/Profit Rates

Competitive interest/profit rates for immediate 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

 

For selected Ambank/Ambank Islamic Payroll customers:
No income document is required.

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.

No.

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

Interest / profit rate is based on Employment Type and Financing Amount. It ranges from 8.99% to 12.99% flat per annum. (EIR/EPR: 15.18% to 23.24%).


* All application 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).

• By Monthly Payment Authorisation (Auto-Debit) from AmBank / AmBank Islamic Current/-i or Savings account /-i

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 Notification Letter

AmMoneyLine

AmMoneyLine

AmMoneyLine Facility-i

AmMoneyLine Facility-i

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!