AmBank MasterCard Gold credit card

Also available as Visa

AmBank MasterCard Gold

For a credit card that knows no boundaries - the AmBank Gold credit card offers you privileges for travel, insurance coverage and rewards on spending

  • 15% p.a. interest rate
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 

Apply online now for AmBank MasterCard Gold

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for AmBank MasterCard Gold

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to AmBank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

Be awarded when you shop - You will be entitled to 1 AmBonus Point on every RM1 you charge on your AmBank credit card, except for your spending on fuel. You have a wide choice of gifts and vouchers for redemption in the AmBonus Rewards Catalogue. You also have a choice to use your points for cash redemption.
AmBonus Points
1 point on every RM1on all local and overseas expenses
Your AmBonus Points earned expires in  3 years
Balance Transfer
AmBank AmTransfer offers interest rates from 4.99% and payment terms up to 24 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 4.99% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
24 months0% p.a. and 8.99% one-time upfront handling feefrom RM5000 
Learn more about AmBank AmTransfer
Easy Payment Plan (EPP)
AmBank EPP offers zero interest of up to 24 months payment terms on retail purchases from a range of approved merchants. No penalty fee for early payment. Pay 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 RM1000 
Learn more about AmBank Easy Payment Plan
Free Travel Insurance, covering for up to RM2000000 for you and your family.
Travel CoverageSum Insured
Personal AccidentUp to RM500000
Travel InsuranceUp to RM2000000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1300
Delayed LuggageUp to RM600

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for first 3 Supplementary cards
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
RM53.00 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


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


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.
Balance Transfer
AmBank AmTransfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AmBank MasterCard Gold review

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

Free for Life

With AmBank MasterCard Gold, you are not required to pay a single cent for annual fee forever! This benefit is also extended to the first 3 supplementary cards who the applicant is 18 years old and above.

Reward Points

Be rewarded with AmBonus Points when you shop at anywhere. Every RM1 you spent on retail expenses allows you to earn 1 AmBonus Point. The AmBonus Points redemption is available in wide categories such as kitchen appliances, IT gadgets, travels, kids, fashion, personal care, vouchers and air miles.

Bear in mind that the AmBonus Point earned expires in 3 years. Remember to check your rewards and utlitise the points before expiry date.

Free Travel Insurance

Yes, you read it right! You and your family can travel with absolute peace of mind with the travel insurance coverage of up to RM2000000. All you need to do is just to charge the full air tickets expenses on your AmBank MasterCard Gold.

0% EPP

Stretch your payment into affordable monthly repayment for up to 24 months with AmBank Easy Payment Plan.

For the AmBank participating merchants, you can take up 0% p.a. Easy Payment Plan ( EPP) with repayment period of 3 or 6 months. The minimum purchase is RM500. Just visit any outlets of the participating merchants and request for AmBank EPP when you make the payment.

If you want to make purchase from non-participating merchants, you can take up 12, 18 or 24 months’ installment plan with interest rate as low as 3% p.a.

Read More