Annual Fees. Tiered Finance Charges This finance charges does not apply to Cash Advance, Quick Cash and Balance Transfer Programme
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1 AmBank Credit Cards: Fees & Charges (Effective 1 Dec 2016) (Fees stated below are applicable for these cards unless stated otherwise, AmBank Visa Infinite, AmBank World MasterCard, AmBank Visa Signature, AmBank Platinum Card & Gold Card, Imagine Visa Card, CARz Platinum & Gold Card, AmBank Cosway Platinum & Gold MasterCard) Annual Fees Minimum Monthly Repayment Tiered Finance Charges This finance charges does not apply to Cash Advance, Quick Cash and Balance Transfer Programme Principal Cards - Free For Life with no conditions Supplementary Cards - Free For Life with no conditions (for first 3 Supplementary Cards only; 4 th Supplementary Cards onwards is RM188 p.a. for Infinite/World/Signature/Platinum cards and RM75 p.a. for Gold cards) 5% of the outstanding balance or minimum of RM50, whichever is higher Applicable for AmBank Credit Card a) 1.25% per month or 15% p.a. if you have promptly settled your minimum payment due for 12 consecutive months b) 1.42% per month or 17% p.a. if you have promptly settled your minimum payment due for 10 consecutive months c) 1.5% per month or 18% p.a. if your payment record is not within either (a) or (b) above. Cash Advance Finance Charges Cash Advance Fee Late Payment Charges Interest Free Period Excess Limit Charge Card Replacement Fee Overseas Transaction Conversion Fee Sales Draft Retrieval Fee Monthly Statement Fees Duplicate Statement Request Fee Balance Transfer (after expiry of special interest rate term) A finance charge at a rate of 1.5% per month or 18% per annum is calculated on a daily rest basis shall be imposed on the Cash Advance and Cash Advance Fee from the date the Cash Advance is made and the date the Cash Advance Fee is posted until full payment is received and credited into the Credit Card Account. 5% of the amount advance plus applicable GST of 6% on fees charged or minimum RM53, whichever is higher. This is imposed for each cash advance transaction 1% of the outstanding balance subject to a minimum of RM10 whichever is higher, capped to a maximum of RM days from the statement date, provided there is no outstanding balance in the credit card account 2% of the amount above Card limit plus applicable GST of 6% on fees charged or a minimum of RM53, whichever is higher. A replacement Card may be issued upon Card member s request and subject to a fee of RM25 per card. Transaction outside Malaysia will be converted to Ringgit Malaysia on the date the item is received and/ or processed. The exchange rate may differ from the published daily rate due to market fluctuation. The conversion rates is as determined by MasterCard International and VISA International plus a 1% foreign exchange conversion markup (previously known as administration cost) by AmBank on the converted Ringgit Malaysia amount. RM21.20 per copy. All records and entries in the Card statement shall be deemed correct and binding on the card member unless the card member notifies the Bank in writing on error/ any discrepancy in the card statement not later than 14 days from the date of Card statement Hardcopy statement delivered to mailing address : RM12.72 per annum estatement : Free of Charge RM5.30 GST per copy (first request), RM10.60 per copy (subsequent request for the same monthly statement) Only requests for statement of last 3 months will be entertained. A finance charge at a rate of 1.5% per month or 18% per annum is calculated on a daily rest basis on balance transfer transactions from the expiry of the Special Interest Rate Term will be chargeable until full payment is received and credited into the Card Account. The contents of this Schedule are subject to change from time to time and any changes shall be notified to the customer. All fees and charges indicated are inclusive of Goods and Services Tax ( GST ), unless stated otherwise. The information provided is valid as at 1 Dec VerMAY2016 Page 1 of 8
2 AmBank M-Cards and TRUE Card: Fees & Charges (Effective 1 Dec 2016) (Fees stated below are applicable for these cards unless stated otherwise; AmBank M-Signature Card, AmBank M-Platinum Card, AmBank M- Gold Card and TRUE Card) Annual Fees Card type Principal Card Supplementary Card M-Signature RM583 RM318 M-Platinum RM477 RM265 M-Gold RM RM TRUE Card Free For Life with no conditions Free For Life (first 3 Supplementary Cards) 4 th Supplementary Cards onwards: RM75 p.a. Minimum Monthly Repayment 5% of the outstanding balance or minimum of RM50, whichever is higher Tiered Finance Charges This finance charges does not apply to Cash Advance, Quick Cash and Balance Transfer Programme Cash Advance Finance Charges Cash Advance Fee Late Payment Charges Interest Free Period Excess Limit Charge Card Replacement Fee Overseas Transaction Conversion Fee Sales Draft Retrieval Fee Monthly Statement Fee Duplicate Statement Request Fee Balance Transfer (after expiry of special interest rate term) Applicable for AmBank M-Cards a) 1.25% per month or 15% per annum if you have promptly settled your minimum payment due for 12 consecutive months b) 1.42% per month or 17% per annum if you have promptly settled your minimum payment due for 10 consecutive months c) 1.5% per month or 18% per annum if your payment is not within (a) or (b) Applicable for TRUE Card only a) 0.67% per month or 7.99% per annum for Year 1 if you have promptly settled your minimum payment due for 12 consecutive months; b) 1% per month or 12% p.a. if you have promptly settled your minimum payment due for at least 10 months in a 12 month cycle; or a) 1.5% per month or 18% p.a. if you have not promptly settled your minimum payment due in the previous month. A finance charge at a rate of 1.5% per month or 18% per annum is calculated on a daily rest basis shall be imposed on the Cash Advance and Cash Advance Fee from the date the Cash Advance is made and the date the Cash Advance Fee is posted until full payment is received and credited into the Credit Card Account. 5% of the amount advance plus applicable GST of 6% on fees charged or minimum RM15.90, whichever is higher. This is imposed for each cash advance transaction. 1% of the outstanding balance subject to a minimum of RM10 whichever is higher, capped to a maximum of RM days from the statement date, provided there is no outstanding balance in the credit card account 2% of the amount above Card limit plus applicable GST of 6% on fees charged or a minimum of RM53, whichever is higher. A replacement Card may be issued upon Cardmember s request and subject to a fee of RM25 per card. Transactions outside Malaysia will be converted to Ringgit Malaysia on the date the item is received and/or processed. The exchange rate may differ from the published daily rate due to market fluctuation. The conversion rates is as determined by MasterCard International and VISA International. Original: RM10.60 per copy (applicable for M-Cards & TRUE Card) Photocopy: RM9.54 per copy (applicable for TRUE Card only) All records and entries in the Card statement shall be deemed correct and binding on the cardmember unless the cardmember notifies the Bank in writing on error/ any discrepancy in the card statement not later than 14 days from the date of Card statement estatement: Free of Charge RM5.30 for each request A finance charge at a rate of 1.5% per month or 18% per annum is calculated on a daily rest basis on balance transfer transactions from the expiry of the Special Interest Rate Term will be chargeable until full payment is received and credited into the Card Account. Note: The above fees and charges are also applicable for all ex-mbf credit cards. The contents of this schedule are subject to change from time to time and any changes shall be notified to the customer. All fees and charges indicated are inclusive of Goods and Services Tax ( GST ), unless stated otherwise. The information provided is valid as at 1 Dec VerMAY2016 Page 2 of 8
3 AmBank Islamic Credit Cards: Fees & Charges (Effective 1 Dec 2016) (Fees stated below are applicable for these cards unless stated otherwise; Visa Infinite Card, World MasterCard, Visa Signature Card, CARz Platinum & Gold Card, Generic Platinum, TRUE Card, Gold & Classic Card) Annual Fees Principal Cards - Free For Life with no conditions Fixed Management Fee (FMF) Actual Management Fee (AMF) Management Fee Tiered Rates The Management Fee Tiered Rates does not apply to Cash Advance, Quick Cash and Balance Transfer Programme Supplementary Cards - Free For Life with no conditions (for first 3 Supplementary Cards only; 4 th Supplementary Card onwards is RM188 p.a. for Infinite/World/Signature/Platinum cards and RM75 p.a. for Gold cards) With Ujrah, the FMF will be dependent on the Credit Card type: Card Type Monthly Fixed Management Fee Classic RM 450 Gold / TRUE Card RM 900 Platinum RM 3,750 Visa Signature / World MasterCard / Visa Infinite Card RM 15,000 The monthly actual management fee is calculated on a daily rest basis imposed on outstanding cash balances from posting date of the said retail transactions. Retail transactions exclude Cash Advance, Balance Transfer and other credit plans. The actual management fee is charged at the applicable management fee tiered rates structure for all retail transactions from posting date of the said retail transactions. Applicable for AmBank Islamic Credit Cards a) 1.25% per month or 15% p.a. if you have promptly settled your minimum payment due for 12 consecutive months b) 1.42% per month or 17% p.a. if you have promptly settled your minimum payment due for at least 10 months in a 12 months cycle c) 1.5% per month or 18% p.a. if your payment record is not within either (a) or (b) above. Applicable for TRUE Card a) 1% per month or 12% p.a. if you have promptly settled your minimum payment due in the previous month. b) 1.5% per month or 18% p.a. if you have not promptly settled the amount due in the previous month. Management Fee Free Period Rebate (Ibra ) Minimum Monthly Payment Late Payment Charge Cash Advance Fee Cash Advance Management Fee Excess Limit Charge Card Replacement Fee Overseas Transaction Conversion Fee 20 days from the statement date, provided there is no outstanding balance in the credit card account (not applicable to cash advance, Quick Cash and Balance Transfer programme) Cardmember is entitled for rebate on the Management Fee for the unutilised credit limit. With Ujrah, the FMF is based on Credit Card type (Classic, Gold, or Platinum). The management fee that will be imposed on the utilized credit limit is AMF. The rebate will be calculated based on the differences between FMF and AMF at the relevant statement date. The monthly rebate is not applicable for Cash Advance, Quick Cash and Balance Transfer programme. 5% of the outstanding balance or minimum of RM50, whichever is higher. 1% of the balance outstanding due or a minimum of RM10 (whichever is higher) up to a maximum of RM100 Fixed cash advance fee of RM53, which will be imposed for each cash advance transaction. In addition to the Cash Advance Fee, a Management Fee at the rate of 1.5% per month or 18% p.a. calculated on a daily rest basis shall be imposed on the Cash Advance Amount from the date the Cash Advance is made until full payment is received and credited into the Credit Card account. Fixed excess limit fee of RM53. RM25 per card Transaction outside Malaysia will be converted to Ringgit Malaysia on the date the item is received and/ or processed. The exchange rate may differ from the published daily rate due to market fluctuation. The conversion rate is as determined by MasterCard International and VISA International plus a 1% foreign exchange conversion markup (previously known as administration cost) by AmBank Islamic on the converted Ringgit Malaysia amount. VerMAY2016 Page 3 of 8
4 AmBank Islamic Credit Cards: Fees & Charges (Con t) Sales Draft Retrieval Fee Monthly Statement Fee Duplicate Statement Request Fee Balance Transfer (after expiry of special management fee term) RM21.20 per copy. All records and entries in the card statements shall be deemed correct and binding on the cardmember unless the cardmember notifies the Bank in writing on errors/ any discrepancy in the card statement not later than 14 days from the date of card statement. Hardcopy statement delivered to mailing address: RM12.72 per annum. e-statement: Free of Charge. RM5.30 per copy (first request), RM10.60 per copy (subsequent request for the same monthly statement) Only request for statement of last 3 months will be entertained. A management fee at a rate of 1.5% per month or 18% per annum is calculated on a daily rest basis on balance transfer transactions from the expiry of the Special Management Fee Term will be chargeable until full payment is received and credited into the Card Account. The contents of this schedule are subject to change from time to time and any changes shall be notified to the customer. All fees and charges indicated are inclusive of Goods and Services Tax ( GST ), unless stated otherwise. The information provided is valid as at 1 Dec VerMAY2016 Page 4 of 8
5 Yuran & Caj: Kad Kredit AmBank (Sah mulai 1 Dec 2016) (Yuran dan caj yang dinyatakan adalah sah untuk kad- kad ini kecuali dinyatakan sebaliknya; AmBank Visa Infinite, AmBank World MasterCard, AmBank Visa Signature, kad AmBank Platinum & Kad AmBank Emas, Kad Imagine Visa, Kad CARz Platinum & Emas, AmBank Cosway Platinum & Emas MasterCard) Yuran Tahunan Bayaran Bulanan Minimum Caj Kewangan Kadar Bertingkat Caj Kewangan Pendahuluan Tunai Yuran Pendahuluan Tunai Caj Lewat Bayar Tempoh Tanpa Faedah Caj Kewangan Yuran Lebihan Had Yuran Pengantian Kad Yuran Tukaran Bagi Transaksi Luar Negara Yuran Cetakan Semula Draf Jualan Yuran Penyata Bulanan Yuran Permintaan Salinan Penyata Pindahan Baki (setelah tamat tempoh kadar faedah istimewa) Kad Utama: Percuma Seumur Hidup tanpa syarat Kad Tambahan: Percuma Seumur Hidup tanpa syarat untuk 3 Kad Tambahan Pertama; Kad Tambahan ke-4 dan seterusnya adalah RM188 setahun untuk kad Infinite / World / Signature / Platinum dan RM75 setahun untuk kad Emas. 5% daripada baki belum dijelaskan atau tertakluk kepada bayaran minimum RM50 yang mana lebih tinggi. Sah untuk Kad Kredit AmBank a) 1.25% sebulan atau 15% setahun jika anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk tempoh 12 bulan berturutturut. b) 1.42% sebulan atau 17% setahun jika anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk sekurangkurangnya 10 bulan dalam kitaran 12 bulan. c) 1.5% sebulan atau 18% setahun jika rekod bayaran anda tidak seperti (a) atau (b) di atas. Caj kewangan pada kadar 1.5% sebulan atau 18% setahun yang dikira pada kadar harian akan dikenakan pada Pendahuluan Tunai dan Yuran Pendahuluan Tunai dari tarikh Pendahuluan Tunai dibuat dan pada tarikh Yuran Tunai Pendahuluan sehingga bayaran penuh diterima dan dikredit ke dalam akaun kad. 5% daripada amaun pendahuluan tunai yang tertakluk kepada CBP 6% ke atas yuran yang dikenakan atau minimum of RM53, yang mana lebih tinggi. Yuran ini dikenakan ke atas setiap urusniaga Pendahuluan Tunai yang dibuat. 1% daripada baki tertunggak yang perlu dibayar atau sekurang-kurangnya RM10; yang mana lebih tinggi, sehingga maksimum RM hari dari tarikh penyata, dengan syarat tiada baki belum dijelaskan dalam akaun kad kredit. 2% daripada jumlah melebihi had kredit dan tertakluk kepada CBP 6% ke atas yuran yang di kenakan atau sekurang-kurangnya RM53, yang mana lebih tinggi. Kad Gantian akan dikenakan yuran RM25 bagi setiap kad Urus niaga di luar Malaysia akan ditukarkan kepada Ringgit Malaysia pada tarikh urus niaga diterima dan/ atau diproses. Kadar tukaran mungkin berbeza daripada kadar harian mengikut turun-naik pasaran. Kadar tukaran ditentukan oleh MasterCard International atau Visa International serta tambahan penukaran 1% tukaran mata wang asing (dahulunya dikenali sebagai kos pentadbiran) oleh AmBank ke atas jumlah Ringgit Malaysia yang ditukar. RM21.20 setiap salinan. Semua rekod dan catatan dala penyata kad hendaklah dianggap betul dan mengikut Ahli Kad melainkan Ahli Kad memaklumkan Bank secara bertulis tentang kesilapan dalam penyata kad tidak lewat daripada 14 hari dari tarikh penyata kad. Salinan penyata dihantar kepada alamat surat menyurat : RM setiap tahun epenyata: Tiada Caj RM5.30 bagi setiap salinan bagi permintaan pertama. RM10.60 bagi setiap salinan bagi permintaan seterusnya untuk penyata bulanan yang sama. Hanya permintaan bagi penyata untuk 3 bulan lepas akan dilayan. Caj kewangan pada kadar 1.5% sebulan atau 18% setahun dikira atas asas harian ke atas urus niaga pemindahan baki dari tamat Tempoh Kadar Faedah Istimewa akan dikenakan sehingga bayaran penuh diterima dan dikreditkan ke dalam Akaun Kad Kredit. Kandungan jadual ini adalah tertakluk kepada perubahan dari semasa ke semasa dan sebarang perubahan akan dimaklumkan kepada Ahli Kad. Semua yuran dan caj yang dinyatakan di dalam dokumen ini adalah termasuk Cukai Barang dan Perkhidmatan ( CBP ), kecuali dinyatakan sebaliknya Maklumat yang terkandung di sini adalah sah mulai 1 Dec VerMAY2016 Page 5 of 8
6 Yuran & Caj: Kad-M AmBank & Kad Kredit TRUE AmBank (Sah mulai 1 Dec 2016) (Yuran dan caj yang dinyatakan adalah sah untuk kad- kad ini kecuali dinyatakan sebaliknya; Kad AmBank M-Signature, Kad AmBank M-Platinum, Kad AmBank M- Emas and Kad Kredit TRUE) Yuran Tahunan Jenis Kad Kad Prinsipal Kad Tambahan M-Signature RM583 RM318 M-Platinum RM477 RM265 M-Emas RM RM Kad Kredit TRUE Percuma Seumur Hidup tanpa syarat Percuma Seumur Hidup tanpa syarat untuk 3 Kad Tambahan pertama; Kad Tambahan ke-4 dan seterusnya adalah RM75 setahun Bayaran Bulanan Minimum Caj Kewangan Kadar Bertingkat 5% daripada baki belum jelas atau sekurang-kurangnya RM50, yang mana lebih tinggi. Sah untuk Kad-M AmBank a) 1.25% sebulan atau 15% setahun jika anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk tempoh 12 bulan berturut-turut b) 1.42% sebulan atau 17% setahun jika anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk sekurangkurangnya 10 bulan dalam kitaran 12 bulan c) 1.5% sebulan atau 18% setahun jika rekod bayaran anda tidak seperti (a) atau (b) Sah untuk Kad Kredit TRUE AmBank sahaja a) 0.67% sebulan atau 7.99% setahun untuk tahun pertama sekiranya anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya b) 1% sebulan atau 12% setahun bemula dari tahun kedua sekiranya anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk tempoh 12 bulan berturut-turut. a) 1.5% sebulan atau 18% setahun sekiranya anda tidak menjelaskan jumlah perlu bayar untuk bulan lepas. Caj Kewangan Pendahuluan Tunai Yuran Pendahuluan Tunai Caj Lewat Bayar Tempoh Tanpa Faedah Caj Kewangan Yuran Lebihan Had Yuran Pengantian Kad Yuran Tukaran Bagi Transaksi Luar Negara Yuran Cetakan Semula Draf Jualan Pindahan Baki (setelah tamat tempoh kadar faedah istimewa) Yuran Permintaan Salinan Penyata Yuran penyata Bulanan Tambahan pada Yuran Pendahuluan Tunai, caj kewangan pada kadar 1.5% sebulan atau 18% setahun yang dikira pada kadar harian akan dikenakan pada Pendahuluan Tunai dan Yuran Pendahuluan Tunai dari tarikh Pendahuluan Tunai dibuat dan pada tarikh Yuran Tunai Pendahuluan sehingga bayaran penuh diterima dan dikredit ke dalam akaun kad. 5% daripada amaun pendahuluan tunai yang tertakluk kepada CBP 6% ke atas yuran yang dikenakan atau minimum of RM15.90, yang mana lebih tinggi 1% daripada baki tertunggak yang perlu dibayar atau sekurang- kurangnya RM10; yang mana lebih tinggi, sehingga maksimum RM hari dari tarikh penyata, dengan syarat tiada baki belum dijelaskan dalam akaun kad kredit. 2% daripada jumlah melebihi had kredit dan tertakluk kepada CBP 6% ke atas yuran yang di kenakan atau sekurang-kurangnya RM53, yang mana lebih tinggi. Kad Gantian boleh dikeluarkan atas permintaan Ahli Kad dan akan dikenakan yuran RM25 bagi setiap kad. Urus niaga di luar Malaysia akan ditukarkan kepada Ringgit Malaysia pada tarikh urus niaga diterima dan/atau diproses. Kadar tukaran mungkin berbeza daripada kadar harian disiarkan akibat turn-naik pasaran. Kadar tukaran ditentukan oleh MasterCard International atau Visa International. Asal: RM10.60 setiap salinan. (Sah untuk Kad-M AmBank dan Kad Kredit TRUE) Salinan: RM9.54 setiap salinan. (Sah untuk Kad Kredit TRUE sahaja) Semua rekod dan catatan data penyata kad hendaklah dianggap betul dan mengikut Ahli Kad melainkan Ahli Kad memaklumkan Bank secara bertulis tentang kesilapan dalam penyata kad tidak lewat daripada 14 hari tarikh penyata kad. Caj kewangan pada kadar 1.5% sebulan atau 18% setahun dikira atas asas harian ke atas urus niaga pemindahan baki dari tamat Tempoh Kadar Faedah Istimewa akan dikenakan sehingga bayaran penuh diterima dan dikreditkan ke dalam Akaun Kad Kredit. RM5.30 bagi permintaan epenyata tiada caj Nota: Yuran & caj di atas juga terpakai ke atas semua kad kredit MBFC. Kandungan jadual ini adalah tertakluk kepada perubahan dari semasa ke semasa dan sebarang perubahan akan dimaklumkan kepada Ahli Kad. Semua yuran dan caj yang dinyatakan di dalam dokumen ini adalah termasuk Cukai Barang dan Perkhidmatan ( CBP ), kecuali dinyatakan sebaliknya Maklumat yang terkandung di sini adalah sah mulai 1 Dec VerMAY2016 Page 6 of 8
7 Yuran & Caj: Kad Kredit AmBank Islamic (Sah mulai 1 Dec 2016) (Yuran dan caj yang dinyatakan adalah sah untuk kad- kad ini kecuali dinyatakan sebaliknya; Kad Visa Infinite, Kad World MasterCard, Kad Visa Signature, Kad Platinum & Kad Emas, Kad TRUE-i & Kad Klasik) Yuran Tahunan Yuran Pengurusan Tetap (FMF) Kad Utama: Percuma Seumur Hidup tanpa syarat Kad Tambahan: Percuma Seumur Hidup tanpa syarat untuk 3 Kad Tambahan Pertama; Kad Tambahan ke-4 dan seterusnya adalah RM188 setahun untuk kad Infinite / World / Signature / Platinum dan RM75 setahun untuk kad Emas. Dengan Ujrah, Yuran Pengurusan Tetap (FMF) adalah berdasarkan jenis Kad Kredit: Klasik Emas / TRUE Platinum Jenis Kad Visa Signature / World MasterCard / Visa Infinite Yuran Pengurusan Tetap Bulanan RM450 RM900 RM3,750 RM15,000 Yuran Pengurusan Sebenar (AMF) Yuran Pengurusan Sebenar (AMF) bulanan dikira pada kadar harian yang dikenakan ke atas baki tunai bermula daripada tarikh pencatatan transaksi runcit tersebut. Transaksi runcit tidak termasuk Pendahuluan Tunai, Quick Cash, Pindahan Baki dan sebarang pelan-pelan kredit lain. AMF dikenakan pada struktur kadar yuran pengurusan bertingkat yang terpakai bagi semua transaksi runcit daripada tarikh pencatatan transaksi runcit tersebut. Kadar Yuran Pengurusan Bertingkat (Caj ini tidak terpakai bagi transaksi Pendahuluan Tunai, Quick Cash dan Pindahan Baki (Balance Transfer)) Untuk Kad Kredit AmBank Islamic a) 1.25% sebulan atau 15% setahun jika anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk tempoh 12 bulan berturut-turut. b) 1.42% sebulan atau 17% setahun jika anda telah menjelaskan jumlah minimum perlu dibayar tepat pada masanya untuk sekurang-kurangnya 10 bulan dalam kitaran 12 bulan c) 1.5% sebulan atau 18% setahun jika rekod bayaran anda tidak seperti (a) atau (b) di atas. Untuk Kad-i True a) 1% sebulan atau 12% setahun jika anda telah menjelaskan jumlah minimum yang perlu dibayar tepat pada masanya. b) 1.5% sebulan atau 18% setahun jika anda tidak menjelaskan jumlah perlu dibayar bulan sebelumnya tepat pada masanya. Tempoh Tanpa Yuran Pengurusan Rebat (Ibra ) Bayaran Bulanan Minimum 20 hari dari tarikh penyata, dengan syarat tiada baki belum dijelaskan dalam akaun kad kredit. (tidak termasuk transaksi Pendahuluan Tunai, Quick Cash dan Program Pindahan Baki) Ahli Kad layak untuk mendapat rebat yuran pengurusan bagi had kredit yang tidak digunakan. Dengan Ujrah, FMF adalah berdasarkan jenis Kad Kredit (Klasik, Emas, atau Platinum) Yuran pengurusan yang dikenakan bagi had kredit yang telah digunapakai merupakan AMF. Rebat akan dikira berdasarkan perbezaan di antara FMF dan AMF pada tarikh penyata yang dikeluarkan. Rebat bulanan tidak diberikan bagi Pendahuluan Tunai, Quick Cash dan program Pindahan Baki. 5% daripada baki belum dijelaskan atau tertakluk kepada bayaran minimum RM50, yang mana lebih tinggi. VerMAY2016 Page 7 of 8
8 Yuran & Caj: Kad Kredit AmBank Islamic (sambungan) Yuran Pendahuluan Tunai Yuran Pengurusan Pendahuluan Tunai Caj Lewat Bayar Yuran Had Lebihan Yuran Pengantian Kad Yuran Tukaran Bagi Transaksi Luar Negara Yuran Cetakan Semula Draf Jualan Yuran Penyata Bulanan Yuran Permintaan Penyata Tambahan Pindahan Baki (setelah tamat tempoh yuran pengurusan istimewa) Yuran tetap sebanyak RM53 akan dikenakan untuk setiap transaksi pendahuluan tunai. Selain daripada Yuran Pendahuluan Tunai, Yuran Pengurusan pada kadar 1.5% sebulan atau 18% setahun yang dikira atas dasar baki harian akan dikenakan pada Amaun Pendahuluan Tunai dari tarikh Pendahuluan Tunai dibuat sehingga bayaran penuh diterima dan dikredit ke dalam Akaun Kad. 1% daripada baki tertunggak yang perlu dibayar atau sekurang-kurangnya RM10; yang mana lebih tinggi, sehingga maksimum RM100. Yuran tetap had lebihan berjumlah RM53. RM25 bagi setiap kad. Urus niaga di luar Malaysia akan ditukarkan kepada Ringgit Malaysia pada tarikh urus niaga diterima dan/ atau diproses. Kadar tukaran mungkin berbeza daripada kadar harian mengikut turun-naik pasaran. Kadar tukaran ditentukan oleh MasterCard International atau Visa International serta tambahan penukaran 1% tukaran mata wang asing (dahulunya dikenali sebagai kos pentadbiran) oleh AmBank Islamic ke atas jumlah Ringgit Malaysia yang ditukar. RM21.20 setiap salinan. Semua rekod dan catatan dalam penyata kad hendaklah dianggap betul dan mengikat Ahli Kad melainkan Ahli Kad memaklumkan Bank secara bertulis tentang kesilapan dalam penyata kad tidak lewat daripada 14 hari dari tarikh penyata kad. Salinan penyata dihantar kepada alamat surat-menyurat: RM12.72 setiap tahun. epenyata: Tiada Caj RM5.30 bagi permintaan pertama. RM10.60 setiap salinan bagi permintaan seterusnya untuk penyata bulanan yang sama. Hanya permintaan bagi penyata untuk 3 bulan lepas akan dilayan. Yuran pengurusan pada kadar 1.5% sebulan atau 18% setahun dikira atas asas harian ke atas urus niaga pemindahan baki dari tamat Tempoh Yuran Pengurusan Istimewa akan dikenakan sehingga bayaran penuh diterima dan dikreditkan ke dalam Akaun Kad. Nota: Kandungan jadual ini adalah tertakluk kepada perubahan dari semasa ke semasa dan sebarang perubahan akan dimaklumkan kepada Ahli Kad. Semua yuran dan caj yang dinyatakan di dalam dokumen ini adalah termasuk Cukai Barang dan Perkhidmatan ( CBP ), kecuali dinyatakan sebaliknya. Maklumat yang terkandung di sini adalah sah mulai 1 Dec VerMAY2016 Page 8 of 8
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