AmBank BonusLink Visa Gold credit card

AmBank BonusLink Visa Gold

2-in-1 card that collects BonusLink Points with every swipe of AmBank credit card, and provides travel insurance coverage of up to RM500,000 per year.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM225.00 annual fee
  • Earn up to 30x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

30 BLPs on selected retail transactions, capped at 3,000 BLPs per statement month. Get 2 sets of BLPs when shopping at BonusLink Partners' outlets. Convert 5,700 BonusLink Points to RM50 cash into your credit card account.
BonusLink Points
30 points on every RM20on selected categories: Shell Petrol, Parkson, Dining, Groceries, Online Transactions, Entertainment (movie ticket, bowling, etc)
6 points on every RM20on overseas retail transactions
3 points on every RM20on other local retail transactions
Your BonusLink Points earned expires in  3 years
Easy Payment Plan (EPP)
20-day period isn't flexible enough? You can choose to extend it a little bit longer up to 24 months, with interest rates can start as low as 3%. Just make a minimum transaction of RM500.
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feefrom RM500 
12 months4% p.a. and no one-time upfront handling feefrom RM2000 
18 months5% p.a. and no one-time upfront handling feefrom RM4000 
24 months6% p.a. and no one-time upfront handling feefrom RM5000 
Learn more about AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM200 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about AmBank Easy Payment Plan
Get 30x BonusLink Points when you spend minimum RM20 on your petrol at Shell stations nationwide.
AmBank BonusLink Visa Gold has a travel insurance up to RM500,000 for you and your family members.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1300
Delayed LuggageUp to RM600

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first 2 year and waived when you swipe 12 times per annum for subsequent years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

AmBank BonusLink Visa Gold review

What's so good (or not so good) about it?

30x BonusLink Points at Shell Petrol Stations

Collect faster BonusLink Points when you swipe your AmBank BonusLink Visa Gold at Shell petrol stations nationwide because with every RM20 charged to your AmBank BonusLink Visa Gold on fuel spend, you will get 30x BonusLink Points. 

You can also collect 10 times BonusLink Points from the selected categories below:

  • Parkson
  • Dining
  • Groceries
  • Online Transactions
  • Entertainment: Movie tickets, bowling alleys and more

You just have to look out for stores that bear specific MCC Codes under the BonusLink rewards program to qualify for this upsized reward points, capped at 3,000 BonusLink Point per statement month.

Spend RM20 on retail transactions locally and overseas, you will 3x BonusLink Points and 6x BonusLink Points respectively.

BonusLink Points Redemption

Once you have collected enough BonusLink Points, you can redeem them with BonusLink or at AmBank On-the-Spot Redemption. There is an array of gifts, vouchers, products and merchandises that you can redeem using your BonusLink Points.

Interestingly, you can convert 5,700 BonusLink Points to RM50 cash credit, which will be credited into your credit card account. This redemption can be made in multiples of RM50!

Complimentary Travel Insurance Coverage

Keep your fear of uncertainty at bay the next time you’re planning your budget trip as you will be covered up to RM500,000 personal accident coverage. 

You will also be compensated when you encountered inconveniences during your travel.

This cover will automatically commence the moment you are alighted from any land, water or air operated by any common commercial carriers, provided your total fare has been charged to your BonusLink Visa co-branded card.

Auto BillPay Program

Tired of paying rolled over the amount of the bills you’d forgotten to pay last month? With AmBank Auto BillPay, you will forget no more.

Enroll your AmBank BonusLink Visa Gold in this program and your insurance premium or utility bills or game subscriptions will be taken care of for you.

Flexi payment

With a 0% Easy Payment Plan, you can enjoy a 3 or 6 months’ installment payment plan. AmFlexi-Pay, meanwhile, has more options for repayment periods up to 24 months.

You just have to spend a minimum of RM500 in a single receipt and let the bank know your preference.

Increase your AmBank BonusLink Visa Gold limit

Exceeded your card limit? Don’t worry as you can increase it to enjoy better peace of mind on your next swipe. 

At a small fee, you can subscribe to a higher AmBank BonusLink Visa Gold credit limit via an easy SMS registration.

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