
AmBonus Rewards
Get rewarded with 1 AmBonus point for each RM 1 you spend!

AmBonus On The Spot Reward Redmption
Redeem anything on the spot for as low as 1,500 AmBonus Points at ESH, Cathay Cineplex, Cosway, Courts, Jesley, Seng Heng, and SenQ!

No Annnual Fee
The AmBank True Visa annual fee is free for life with no strings attached! Additionally, your first 3 supplementary cards have zero annual fee as well!
Features
Rewards

Earn | Spent |
---|---|
1 AmBonus Point on every RM1 | on all local and overseas retail expenses |
- Your AmBonus Points expire in 3 years.
- Petrol expenses do not earn any AmBonus Points.
- Use your points to redeem amazing gifts and rewards from the AmBonus Rewards Programme.
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 | Free for life. |
---|---|
Annual Fee for Supplementary Card | Free for life for first 3 supplementary cardholders. |
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Cash Withdrawal Fee | RM15.90 or 5.30% of withdrawn amount, whichever is higher |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% |
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 |
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