AmBank UnionPay Platinum Credit Card
A travel and lifestyle rewards card with 5x overseas points, 30% off at 350+ golf courses worldwide, and complimentary UnionPay Lounge access.
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Eligibility
Minimum Monthly Income
RM 5,000 (RM 60,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 1-3 months salary slip
- Latest 3 months bank statement
- Latest EPF statement (3 months)
- Latest B/BE Form/E-Filing with official tax receipt
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year and waived when you spend a minimum amount of RM20,000 per annum
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Earn 5x AmBonus Points on overseas retail purchases (excluding online transactions) and 0.5x points on local spending. Convert your points to air miles or redeem them for gifts. Plus, explore 500+ card deals across shopping, dining, travel, and more on AmBank Spot.
Get 2x complimentary Plaza Premium Lounge access per year, free entry to the UnionPay Lounge (subject to minimum spend), and RM1 million travel insurance coverage.
AmBank offers two EPP options: shop at partner merchants at 0% for up to 36 months, or convert existing transactions at 7.88% p.a. for up to 12 months.
Transfer a minimum of RM1,000 to your AmBank card at rates from 4.88% p.a., with flexible tenures up to 60 months and no early settlement fee.
Enjoy round-the-clock UnionPay Concierge Service, Club Marriott Malaysia dining and stay privileges, and 30% off green fees at 350+ golf courses worldwide.
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Live a luxury lifestyle with endless privileges and rewards offered by the AmBank UnionPay Platinum Credit Card! Whether it is for local or international spending, you’ll gain various benefits when you spend with this credit card.
Collect rewards with your AmBank UnionPay Platinum
Love rewards? The AmBank UnionPay Platinum offers a chance for all cardholders to gain 5x AmBonus Points per RM1 spent on retail transactions overseas when you charge everything to the credit card. Do take note that it doesn’t apply for online transactions.
Not travelling overseas? You can still earn 0.5 AmBonus Points per RM1 spent when you swipe your AmBank UnionPay Platinum at retail stores locally.
With all the AmBonus Points you managed to gain, you could redeem cool products or vouchers.
Indulge in premium lifestyle privileges
Are you an avid golfer? Get special golf privileges and receive 30% discounts on your green fees at more than 350 golf courses around the world, thanks to the UnionPay Golf Program.
If you love having your meals at Club Marriott in Malaysia, you’ll receive up to 50% OFF of your total bill. On top of that, you’ll also receive a complimentary birthday cake as well. Plus, you’ll also be entitled to receive up to 20% for the Best Available Rates based on all room categories.
The AmBank UnionPay Platinum also offers various promotions and discounts for other lifestyle, shopping or dining outlets across the world, participating ones only.
You’ll also receive free access to the UnionPay Lounge located at Pavilion Mall in Kuala Lumpur, Malaysia. At the lounge, you could relax and rest your feet after a shopping spree while sipping on coffee or tea.
Enjoy travel benefits offered by the AmBank UnionPay Platinum Credit Card
Travel in style by making use of the 2x free access to Plaza Premium Lounges located at major airports all around the world, including Taiwan and London, to name a few. As long as you spend a minimum amount of RM1,000 for your retail purchases within a calendar month before each visit, you can gain access to the Plaza Premium Lounges. If you’re not solo travelling, your peers are able to get a 25% discount for lounges in Malaysia. As for international lounges, it will be 20% instead.
We all want to travel the world with fewer worries and concerns. The AmBank UnionPay Platinum Credit Card offers up to RM1,000,000 travel insurance coverage when you charge the full amount with your credit card for your flight tickets.
Stop by airport duty-free retail outlets and receive discounts when you purchase with your AmBank UnionPay Platinum Credit Card.
Frequently Asked Questions (FAQ)
What are the AmBank UnionPay Platinum requirements?
What are the fees or charges applied for the AmBank UnionPay Platinum?
What are the top benefits of the AmBank UnionPay Platinum?
• Gain 0.5x AmBonus Points for your local spending
• Receive lifestyle privileges, including golf, dining and shopping
• Receive travel insurance coverage for up to RM 1 million
• Receive 2x free yearly access for Plaza Premium Lounges (subject to a minimum spend of RM1,000 within a calendar month)
• Complimentary access to UnionPay Lounge at Pavilion Mall Kuala Lumpur