AmBank M-Gold MasterCard credit card

AmBank M-Gold MasterCard

Complete insurance protection for you and your loved one when you travel abroad! Enjoy free medical check up every year for lady cardmembers.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM225.00 annual fee
  • Earn up to 3x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Spend once, earn double! Collect both AmBonus and BonusLink points whenever you swipe with your AmBank credit card. Every RM10 you spend entitles you 3 BonusLink Points.
AmBonus Points
3 points on every RM10on all retail expenses
Your AmBonus Points earned expires in  3 years
Balance Transfer
Stop drowning in a sea of your own credit card debt! Get as low as 4.99% p.a. for up to 24 months repayment period with AmBank AmTransfer.
Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a. and 4.88% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 4.88% one-time upfront handling feefrom RM1000 
36 months0% p.a. and 4.88% one-time upfront handling feefrom RM1000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
Own what you want, when you want it! Enjoy ZERO interest on your favourite items' instalment for up to 6 months when you purchase at participating merchants. Otherwise, you can enjoy instalment interest as low as 3% on all the other purchases.
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
No need to pay for expensive standalone travel insurance plans. Get RM1 million travel insurance coverage for you and your family when you charge full fare of airline tickets on your credit card.
Travel CoverageSum Insured
Personal AccidentUp to RM1000000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1600
Delayed LuggageUp to RM800

Fees & Charges

There are always fees but how much are they?

Annual Fee
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
Contact-less Payment Methods


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
Invitation Only


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.
Cash Advance / Cash Loan
AmBank QuickCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
AmBank AmTransfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank M-Gold MasterCard review

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

Bonus rewards might sound like an oxymoron, but when you combine a MasterCard that gives you rewards and BonusLink points like the one-of-a-kind Ambank M-series credit cards, you’ll feel like the dumb one for not thinking it up yourself!

Presenting the Ambank M-Gold MasterCard that gives you both AmBonus reward points and Bonus Link Points with just one swipe. Cause’ double the rewards was always a good idea from the start! This exclusive credit card is by invitation only.

One Swipe, Double Rewards

BonusLink members will love this Master Card. No more shuffling through an assortment of cards at the counter to get the right discounts, just swipe with your M-Gold credit card! Ambank will reward you with points for every Ringgit that you spend, plus you’ll get an addition 3 BonusLink points for every RM10 in a single receipt.

So yes, you’ll get double the rewards for swiping just once. Redeem your AmBonus points for free gifts from AmBank Spot or use them to pay for select items from Cosway, Courts, Jesley , ESH, SenHeng or Sen. For your other set of points, find what you want from the BonusLink redemption catalogue and go to BonusLink login to claim your gifts.

Free Insurance from Ambank

Stay safe and protected with complimentary insurance protection plans from Ambank, starting with your work and leisure travels. Charge your flight tickets to your M-Gold credit card and your family will get complimentary travel insurance up to RM1,000,000 if you do not return home safely.

Shopping items charged to your credit card will also be protected with the Purchase Protection Plan for up to RM150,000 a year from accidental damage, theft or loss within 15 days from the date of purchase in Malaysia and 30 days for purchases while abroad.

Ambank Balance Transfer

Stuck in a lil’ credit debt? Find out how a balance transfer with Ambank can save you more cash with the special low 4.99% interest p.a. rates for 6 months repayment terms. If you have more than RM1000 outstanding balance with another credit card which is not from Ambank you can transfer it to your M-Gold MasterCard.

All you’ve got to do is visit an Ambank branch near you and fill up some forms. Plan out how much you want to transfer to your Ambank credit card (this amount will add to your credit limit with Ambank), and their representatives will provide a repayment schedule for you. Start paying back what you owe for the month and make sure you settle the balance before the tenure is over!

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