Apply for 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
3 AmBonus Point on every RM10	on all retail expenses
3 BonusLink Points on every RM10	on all retail expenses

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

Ambank Am Transfer Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 months	4.99% p.a. and no one-time upfront handling fee	from RM1000
12 months	8.99% p.a. and no one-time upfront handling fee	from RM5000
24 months	8.99% p.a. and no one-time upfront handling fee	from RM5000

Am Bank Easy Payment Plan

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500

Pay for your purchases in 0% interest instalments!
Only available at participating merchants.

Am Bank Am Flexi Pay

Pay Over	With Interest Rate At	When You Spend
6 months	3% p.a. and no one-time upfront handling fee	from RM500
12 months	4% p.a. and no one-time upfront handling fee	from RM2000
18 months	5% p.a. and no one-time upfront handling fee	from RM4000
24 months	6% p.a. and no one-time upfront handling fee	from RM5000

Pay for your purchases in instalments with interest as low as 3%!
Applies to all merchants who do not fall under the AmBank Easy Payment P

Fees and Charges

Annual fee	RM238.50
Annual Fee for Supplementary Card	RM132.50
Mininum monthly payment	RM50 or 5% of outstanding amount
Late payment fee	RM10 or 1% of outstanding amount, up to maximum of RM100
Cash Withdrawal Fee	RM15.90 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals	18%

*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum	Tier 1: Cardholders with prompt payments for 12 consecutive months.
17% Interest Rate Per Annum	Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum	Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income	RM24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old