AmBank M-Gold Visa by Ambank

Product Highlights

BonusLink Rewards Program

Earn up to 2X Bonuslink Points whenever you shop, and collect 2 sets of points, one from AMBank, one from BonusLink Merchants!

Exclusive Ladies Privileges

Ladies cardmembers can enjoy exclusive privileges like free yearly health checkups, free car assistance, and free wallet guard coverage against theft!

Complimentary Travel Protection

Receive travel insurance coverage of up to RM 1 Million when you charge your air tickets to your AmBank Visa Signature card

Features

Rewards

Earn	Spent In
3 AmBonus Point Per RM 10	All retail expenses
3 BonusLink Points Per RM 10	All retail expenses

Earn both AmBonus Points and BonusLink points at the same time!
Your AmBonus & BonusLink Points expire in 3 years.

Convert Am Bonus Points Into Air Miles

Convert	Redeem
10,000 AmBonus Points	1,000 Enrich Miles
10,000 AmBonus Points	1,000 AirAsia BIG Points

Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 4.99% one-time upfront handling fee	From RM 1,000
12 Months	0% p.a. with 8.99% one-time upfront handling fee	From RM 5,000
24 Months	0% p.a. with 8.99% one-time upfront handling fee	From RM 5,000

Ambank Easy Payment Plan

Pay Over	With Interest Rate At	When You Spend
3 Months	0% p.a. with no one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
12 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000

Am Bank Am Flexi Pay

Pay Over	With Interest Rate At	When You Spend
6 Months	3% p.a. with no one-time upfront handling fee	From RM 500
12 Months	4% p.a. with no one-time upfront handling fee	From RM 2,000
18 Months	5% p.a. with no one-time upfront handling fee	From RM 4,000
24 Months	6% p.a. with no one-time upfront handling fee	From RM 5,000

Fees and Charges

Annual Fee For Primary Card	RM 225
Annual Fee For Supplementary Card	RM 125
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	By invitation only

Apply for AmBank M-Gold Visa by Ambank