AmBank M-Gold Visa Card credit card

AmBank M-Gold Visa Card

Earn more with AmBank and Bonuslink every time you swipe! Redeem great prizes, get free travel insurance, and enjoy yearly medical check-ups.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 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

Earn DOUBLE rewards points everytime you swipe your credit card! - earn both AmBonus and BonusLink Points to redeem great gifts and prizes for your home. Every RM10 you spend will earn you 3 BonusLink Points!
AmBonus Points
3 points on every RM10on all retail expenses
Your AmBonus Points earned expires in  3 years
Easy Payment Plan (EPP)
No longer pay full price for your big ticket items! Enjoy interest free payments for up to 6 months with the AmBank AmTransfer plan 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
Had a bad experience at the luggage collection hall that one time? Get full holiday protection with travel insurance coverage of up to RM1 million when you charge the 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
Spend minimum RM3,000 in a year to enjoy a complimentary Health Check at BP Healthcare Group. Exclusively for ladies only.

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
Interest Rate on Cash Withdrawals
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.

AmBank M-Gold Visa Card review

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

Enjoy more value for your Ringgit with a special ‘by invitation only’ VISA credit card that gives you both Ambank rewards and Bonuslink points. Find out more about the exclusive M-Gold Visa and other Ambank promotions in our review below, including free travel insurance, 0% Installment Plan, complimentary women’s health check and AmBank online banking.

Double The Rewards

Shopping at Bonuslink Malaysia merchants is now twice the fun with the Ambank M-Gold Visa. Each time you swipe you don’t get just get Ambank rewards, you’ll also get 3 Bonuslink points for every RM10 that you spend in a single receipt.

Collect these points and redeem them for exciting gifts at AmBonus, your one stop for Ambank redemption and gifts. Visit the Bonuslink Catalogue to redeem your every BonusLink Point you earn at the Bonuslink checkpoint.

0% EPP with Ambank

Don’t pay credit card interest when you get a 0% Extended Payment Plan on items at your favourite Ambank merchant, including online shopping at XtremeDeals. Repay what you owe in monthly instalments up to 6 months with no additional charges or hidden fees!

If you have enough credit limit on your Ambank credit card, just contact Ambank customer service after you’ve made your purchase to enjoy this EPP service.

Free Travel Insurance

Take advantage of complimentary travel insurance coverage when you charge your airlines tickets to your Ambank M-Gold Visa and your family will be insured for RM1,000,000.

What’s more, your shopping purchases will be protected up to a maximum of RM150,000 per year against damage, theft and loss with the Purchase Protection Plan by Ambank. More info about the complimentary insurance plans will be available when you’re applying for your credit card.

Complimentary Health Check

With a minimum spend of RM3,000 a year women card members get to enjoy complimentary health checks at any BP Healthcare Group Hospitals in Malaysia. Included in the health screening are tumour market tests for ovary and breast, bone mineral density check, breast examination, body consultation and more.

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