AmBank M-Signature Visa Card credit card

AmBank M-Signature Visa Card

Stay protected on holiday with travel insurance for the family. Get free health check, car assistance, and stolen card protection for the ladies.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM550.00 annual fee
  • Earn up to 9x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Collect 2 set of rewards point when you swipe with your new Ambank credit card - AmBank reward points and BonusLink points. Every RM10 spent will reward you with 3 BonusLink Points while the same amount overseas will give you 9 BonusLink Points.
Bonuslink Points
3 points on every RM10on local spending
9 points on every RM10on overseas spending
Your Bonuslink Points earned expires in  3 years
Easy Payment Plan (EPP)
Bring home your favourite items at ZERO interest instalment with participating merchants. Have your bill of RM500 and above split into convenient and hassle-free instalment payments. 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
Absolute peace of mind when you and your family are protected with up to RM2 million travel insurance coverage, provided that you charge the full fare of airline tickets to your AmBank credit card.
Travel CoverageSum Insured
Personal AccidentUp to RM2000000
Travel InsuranceUp to RM2000000
Delayed FlightUp to RM1000
Missed FlightUp to RM3000
Lost LuggageUp to RM6000
Delayed LuggageUp to RM3000
Get complimentary access to Plaza Premium Lounge at 17 international airports when you charge at least 3 overseas transaction on your card within 30 days of your lounge visit.

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-Signature Visa Card review

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

You must be familiar with the saying, "To kill two birds with one stone." This AmBank credit card is just that - rewarding you with both AmBonus and Bonuslink Points whenever you choose to pay for your purchases on credit no matter in Malaysia or abroad! Additionally, enjoy free travel insurance for the family, plus special healthcare and lifestyle benefits for lady cardholders.

Double Rewards

This is a unique reward credit card that will reward you with 2 types of reward points. You can collect both AmBonus Points and BonusLink Points at the same time,  with every swipe on your AmBank credit card. However, both reward systems earn points differently.

Every Ringgit you spend on your AmBank M-Signature Visa credit card will reward you with 1 AmBonus Point, or 5x AmBonus Points when you swipe overseas. On the other hand, BonusLink Points will be collected everytime you spend RM10. Get 3 BonusLink Points for every RM10 you spend in Malaysia, and a maximum of 9 BonusLink Points for the same amount abroad.

Only For The Ladies

AmBank offers 3 exclusive benefits when you're a lady cardmember - get free yearly heath check-up, car assistance, and wallet guard. Your complimentary health check package at BP Healthcare Group includes an ovary tumor test, breast cancer consultation, bone mineral density, and more. All you need is to spend at a minimum of RM3,000 in a year only.

For the first 12 months of owning your card, you can seek for car assistance and be protected with wallet guard coverage when you credit card gets stolen. You can still continue to enjoy these benefits in subsequent years as long as your yearly spending exceed RM6,000. To be eligible for the benefits catered to women , you will be notified by SMS on your card anniversary.

Absolute Peace Of Mind

You and your loved ones will stay protected with travel insurance of up to RM2 million when you charge all flight arrangements to your AmBank credit card. Also, you'll get purchase protection insurance for accidental damage, loss, and theft of your purchased items. The maximum coverage is RM200,000 each year - just submit a claim to Ambank within 15 days of purchase for purchases within Malaysia, and 30 days for overseas.

Unlimited Airport Lounge Access

Dream of VIP treatment when on holiday? No sweat! You'll get free access to domestic and international Plaza Premium lounges. What's the catch? Get this - you will have to swipe only 3 times overseas within 30 days of your lounge visit for it to be free.

Click here to view the list of available airport lounges

Dining and Hotel Room Privileges

Once you're in, you'll be rewarded with a complimentary Hilton Premium Club membership card. When you present your credit card to any Hilton hotel, you will enjoy rewards of up to 50% dining discount and 20% off room rates. The privileges will be extended with a minimum yearly spend of RM30,000 at a Hilton hotel.

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