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.

AmBank M-Gold Visa CardRM1 million Insurance
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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


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 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

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.

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RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
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.


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.