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.

AmBank M-Gold MasterCardTravel Protection
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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


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 RM1,000,000
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM800
Missed FlightUp to RM800
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM800


Spend minimum RM3,000 in a year to enjoy a complimentary Health Check at BP Healthcare Group. Exclusively for ladies only.

Easy Payment Plans

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.

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
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

Fees & Charges

Annual Fee
  • RM225 primary card
  • 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RM15 or 5% of withdrawn amount, whichever is higher
Contact-less Payment Methods


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


Easy Payment Plan
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.
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!
Cash Advance / Cash Loan
AmBank QuickCash
Need a hurry cash? Take advantage of the QuickCash Flexi Payment Plan for a competitive upfront fees and flexible repayment periods.


“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.