AmBank Islamic Visa Gold-i
Shariah-compliant credit-i facility (closed to new applications)
Apply for AmBank Islamic Visa Gold-i →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
AmBank AmBank Islamic Visa Gold-i overview
The AmBank AmBank Islamic Visa Gold-i is a Gold-tier Visa points card built around rewards points. Shariah-compliant credit-i facility (closed to new applications). It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It carries no annual fee. Standout perks include a Shariah-compliant structure.
Features & benefits
- ✓Shariah-compliant credit-i facility
- ✓1 AmBonus Point per RM1 on retail spend
- ✓No compounding profit charges
- ✓No longer open to new applications — check with AmBank Islamic
Is the AmBank Islamic Visa Gold-i worth it?
The AmBank Islamic Visa Gold-i is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Shariah-compliant — no conventional interest (riba)
- +Low income requirement — accessible to first-time applicants
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — AmBank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the AmBank Islamic Visa Gold-i, in plain language — so nobody gets caught out. Always confirm against the official terms.
- Foreign transaction fee
- The Mastercard/Visa International conversion rate plus a 1% foreign exchange conversion markup levied by AmBank Islamic on the converted Ringgit Malaysia amount.
- ⚠Rewards are AmBonus Points ('1 AmBonus Point for every RM1'), not cashback. AmBank also lists this card as no longer available for new applications — confirm current status before applying.
Verified 5 August 2026. Summarised in our own words from AmBank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official AmBank Islamic Visa Gold-iterms & product disclosure →AmBank Islamic Visa Gold-i FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). AmBank also considers your overall credit standing.
No — the AmBank Islamic Visa Gold-i is free for life with no annual fee.
It earns 1 reward point per RM1 spent. Shariah-compliant credit-i facility (closed to new applications).
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
It's a good fit for entry-level applicants and first-time cardholders who want rewards points — its main draw is "Shariah-compliant credit-i facility (closed to new applications)". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the AmBank Islamic Visa Gold-i compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with AmBank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by AmBank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.