AmBank BonusLink Visa Gold

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

AmBank BonusLink Visa Gold10x BonusLink Points
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn 30 BLPs for every RM20 spent at selected merchants, capped at 3,000 BLPs per statement month. Subsequent spend get you 3 BLPs for every RM20 spend locally and overseas. Get 2 sets of BLPs when shopping at BonusLink Partners' outlets.

BonusLink Points
30 points on every RM20on selected merchants in Groceries, Online, Dining, Entertainment, Shell petrol and Parkson categories
6 points on every RM20on overseas retail transactions
3 points on every RM20on other local retail transactions


AmBank BonusLink Visa Gold has a travel insurance up to RM500,000 for you and your family members.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,300
Delayed LuggageUp to RM600


Convert 5,700 BonusLink Points to RM50 cash into your credit card account. BLP to cash conversion can be made in multiples of RM50!

Easy Payment Plans

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.

AmBank AmFlexi-Pay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% p.a. and no one-time upfront handling feeRM500
12 months4% p.a. and no one-time upfront handling feeRM2,000
18 months5% p.a. and no one-time upfront handling feeRM4,000
24 months6% p.a. and no one-time upfront handling feeRM5,000
Learn more about AmBank AmFlexi-Pay
AmBank Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM200
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about AmBank Easy Payment Plan

Fees & Charges

Annual Fee
  • RM225 primary card

    Free for first 2 year and waived when you swipe 12 times per annum for subsequent years

  • RM125 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
AmBank AmFlexi-Pay
Can't wait till pay day to buy that new laptop or watch? Convert your purchases into affordable monthly instalments as low as RM500 now!
AmBank Easy Payment Plan
AmBank Easy Payment Plan offers up to 24 months of instalment plan at 0% interest rate on hundreds of products available at selected partner stores.


30x BonusLink Points with AmBank BonusLink Visa Gold

For every RM20 spent on selected retail transactions with AmBank BonusLink Visa Gold, you get 30 BonusLink Points (BLPs), capped at maximum 3,000 BLPs per month!

There are many merchants ranging from online, dining, grocery suppliers, entertainment to Shell petrol and all Parkson departmental stores. 

You just have to look out for stores that bear specific MCC Codes under the BonusLink rewards program.

That’s not all, you can also collect 3 BLPs when you swipe RM20 on other non-participating retails, local and overseas.

Stay protected

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.

In fact, you will get 3x BonusLink Points too!

Flexi payment

The card understands your needs for retail therapy. 

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.