AmBank MasterCard Gold

No frill basic Gold card that help pay for your purchases and protect you with RM500,000 travel insurance coverage.

AmBank MasterCard GoldNo Annual Fee!
Min. Income
Annual Fee
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.


For every Ringgit charged to AmBank MasterCard Gold on all local retail expenses, earn 1x AmBonus Reward Point. Swipe your for all purchases, collect points and redeem some awesome products available at AmBonus E-Catalogue.

AmBonus Points
1 point on every RM1on all local and overseas expenses


A complimentary travel insurance protection worth RM500,000 and travel compensation up to RM3,000 for inconveniences such as lost/delayed luggage and missed/delayed flight.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,300
Delayed LuggageUp to RM600


Experience worldwide recognition of MasterCard and a variety channel of credit card payments such as Internet Banking, 24-hours e-Banking centers and over 180 branches nationwide.

Easy Payment Plans

AmBank Easy Payment Plan offers 24 months payment terms with 0% interest rate on retail purchases from a range of approved merchants. No penalty fee for early payment. For other purchases, AmFlexi Pay for as low as 3%.

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
  • RM0 primary card

    Free for life

    Free for first 3 Supplementary cards

  • RM - 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
RM50 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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


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.


Free For Life

With AmBank MasterCard Gold, you can enjoy the card privileges at no cost at all. The annual fee is waived for life with no hidden charges. The benefit is also extended to the first 3 supplementary cards.

Travel Protection

Even though it is just a basic credit card, you are covered under a travel insurance protection plan worth RM500,000, whereas RM350,000 and RM150,000 for Spouse and Child respectively.

You can also be indemnified for travel inconveniences up to RM4,000 per cardholder and a combined limit of RM3,000 for Spouse and Child.

On one condition, you must have a proof of transaction of air ticket purchase using AmBank MasterCard Gold and the coverage only effective when you're on board.

AmBonus Reward Points

With AmBank MasterCard Gold, you can earn 1x AmBonus Reward Point when you swiped on all retail expenses locally. Collect as many reward points as you can to redeem a wide array of products, gifts and vouchers in the AmBonus E-Catalogue!

For as low as 1,500 AmBonus Points, you can redeem anything on-the-spot at AmBank's participating partners, namely Courts, ESH, Sen Heng, SenQ, Cosway and Mydin. Upon payment, just inform the cashier that you wish to use your AmBonus Points to pay.

Auto Bill Pay

Electric, water, telco, insurance, you name it. Life would be much easier when you enroll into AmBank Auto Bill Pay Service and let your MasterCard Gold credit card does the payment for you. In a way, you will never forget to pay and have zero outstanding payment on utilities.

If you have monthly commitment with these service providers, then it is highly encouraged to sign up:

  • Tenaga Nasional
  • Telekom Malaysia
  • Astro
  • Allianz Insurance
  • MCIS Insurance
  • Zurich Insurance
  • DiGi
  • Maxis
  • Celcom
  • U Mobile
  • Tune Talk
  • XOX